Mississippi Independent Agents

Mississippi Insurance: All Your Needs In One Place

Get help from one of our Mississippi independent agents

They understand your risks and will find you the coverage you need.

Most popular insurance coverages in Mississippi

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

Why Choose an Independent Insurance Agent in Mississippi?

Frequently Asked Questions about Insurance in Mississippi

We've gone ahead and compiled a list of the best insurance companies in Mississippi, so you can skip right to the carriers that have your best options. Find the coverage you need starting with our top five recommendations.

  • The Hanover: The Hanover holds an "A" rating for excellent financial strength by AM Best as well as an overall "A+" rating by the Better Business Bureau (BBB). Founded in 1852, the carrier sells both personal and business products. The Hanover's catalog includes umbrella insurance, auto insurance, condo insurance, home business insurance, commercial auto insurance, commercial property insurance, and much more.
  • Nationwide: Nationwide also has excellent ratings by AM Best and the BBB, both of "A+." Founded in 1925, the carrier sells both business and personal products. Nationwide's catalog includes specialty products, life insurance, auto insurance, flood insurance, and property insurance. 
  • Stillwater Insurance: Stillwater Insurance has an excellent financial strength rating of "A-" by AM Best and an overall rating of "A+" by the BBB. Founded in the year 2000, the carrier sells both personal and business products. Stillwater's catalog includes renters insurance, landlord insurance, auto insurance, business insurance, and condo insurance.
  • Travelers: Travelers holds AM Best's highest possible rating for financial strength of "A++." Founded in 1864, the carrier also sells both personal and business products. Travelers' extensive catalog includes commercial auto insurance, home insurance, condo insurance, snowmobile insurance, RV insurance, workers' comp, and cyber liability insurance. 
  • Progressive: Progressive has an excellent financial strength rating of "A+" by AM Best. Founded in 1937, the carrier also sells both personal and business products. Progressive's huge coverage catalog includes home insurance, flood insurance, boat insurance, auto insurance, business insurance, commercial auto insurance, professional liability insurance, and much more.

Car insurance in Mississippi costs more, on average, than in other states in the US. The current national average for car insurance is $1,311 annually, but Mississippi drivers pay an average of $1,584 per year for their coverage. Mississippi overall ranks 12th-highest in the country for car insurance costs.

Small businesses in Mississippi paid out $3.12 billion in commercial claims last year. Business insurance in Mississippi is critical for allowing businesses to recover financially after lawsuits and other disasters, including property damage. Business insurance covers a business's property and inventory, commercial vehicles, liability, electronic data, and revenue in case of prolonged closures. Without this essential coverage, businesses could be forced to go bankrupt by paying out of pocket for many different disasters, such as fires, theft, vandalism, and more.

All businesses in Mississippi with at least five regular employees must have worker's compensation insurance, by state law. Workers' comp in Mississippi helps cover the costs of employee injury, illness, or death as a result of the job or workplace. In return, businesses that offer this coverage are exempt from employee lawsuits for related incidents.

Restaurant insurance in Mississippi includes the basics provided by business insurance in Mississippi, with a couple of specialty coverages added on top. These are:

  • Spoilage coverage: Covers inventory like food if it spoils due to a covered peril like an extended power outage.
  • Equipment breakdown coverage: Covers large appliances like boilers used by a restaurant if they get damaged or destroyed by a covered peril like a fire.

Commercial vehicle insurance in Mississippi covers incidents impacting company vehicles, or vehicles used for business purposes. This includes lawsuits, physical damage caused by collisions, and more. Depending on the extent of the coverage you select, a commercial vehicle insurance policy may include reimbursement for company or business vehicle theft, vandalism, damage due to storms or floods, and more.

Homeowners insurance in Mississippi offers a handful of standard protections needed by homeowners throughout the US. The core coverages in Mississippi home insurance policies are:

  • Structural coverage: Covers your home's structure or dwelling if it needs to be repaired or rebuilt after a covered disaster like a fire, lightning strike, act of vandalism, etc. 
  • Personal property coverage: Covers the costs of repairing or replacing your personal property like silverware if it gets stolen, lost, damaged, or destroyed by a covered peril like theft, fire, etc.
  • Personal liability coverage: Covers the costs of a lawsuit if a third party, like a neighbor, sues you for bodily injury or personal property damage.
  • Additional living expenses coverage: Covers costs if your home becomes temporarily uninhabitable after a huge covered disaster like a fire, and includes possible reimbursement for hotel rooms, extra gas, takeout meals, etc.

Umbrella insurance in Mississippi works to extend your liability coverage for an existing policy like auto insurance, boat insurance, business insurance, or home insurance. Coverage extends your liability protection to a limit of $1 million or more, depending on how much umbrella insurance you buy. Adding umbrella insurance to an existing policy can greatly increase your chances of having enough coverage to fully cover a hefty lawsuit's expenses. 

Renters insurance in Mississippi is kind of like a homeowners insurance policy without the structural coverage, since the building you live in is covered by the landlord's insurance policy. But renters insurance still includes the coverage you need for personal liability and your belongings. These coverages are:

  • Personal property coverage: Covers your personal property like furniture if it gets stolen, lost, damaged, or destroyed by a covered peril.
  • Liability coverage: Covers lawsuit expenses if you get sued by a third party for bodily injury or personal property damage.
  • Additional living expenses: Covers extra costs if you must live somewhere else while your unit undergoes extensive repairs after a huge disaster like a fire.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

Mississippi independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in Mississippi to find you the right coverage at a great price.

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