Popular QuestionsPopular Questions About Mississippi Home Insurance

How Much Does Mississippi Home Insurance Cost? $1,508

The average American homeowner pays $1,173 per year for home insurance, but in Mississippi, the average annual premium is $1,508, making it among the most expensive states in which to buy home insurance. Even though insurance is more expensive for homes in Mississippi, having insurance is vitally important because the severe weather and other hazards in this state can cause serious damage to area homes each year.

mississippi home insurance cost chart
What Does My Mississippi Home Insurance Do for Me?

Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Mississippi homeowners insurance policy. 

Pays for repairs to your home and your belongings

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
Will I actually use my Mississippi homeowners insurance?

We can’t be 100% certain, but in 2016, insurance companies spent more than $414 million on home insurance claims in Mississippi. That's a lot of unfortunate events happening to Mississippi homeowners.

How Is My Mississippi Homeowners Insurance Calculated?

Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Mississippi is compared to the rest of the US?

Crime:

The burglary rate in Mississippi is much higher than the national average. Be sure to protect your property by securely locking doors and windows, keeping entryways unobstructed from view and well lit, and leaving a few lights on or putting lights on timers when you are out of town.

  • Average number of burglaries per 1,000 homes in MA: 7.81
  • Average number of burglaries per 1,000 homes in the U.S.: 4.69

Weather:

Severe storms, hurricane force winds, and tornados can all wreak havoc on property in this state. Be sure that your home insurance provides the coverage you need before disaster strikes.

  • Number of federally declared disasters since 1953: 68
  • Most common cause of disasters in the state: Severe Storms
  • Average number of tornados per year in the state: 45.1
  • Amount paid in home insurance claims in 2016: $414,262,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Mississippi, the average home value much lower than the national average, This helps to keep insurance rates from skyrocketing despite the many weather-related risks.

  • Average home value in MA: $113,900
  • Average home value in the US: $188,900
Are there any independent agents in Mississippi?

Yes! There are currently 208 Trusted Choice agents in Mississippi who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.

What’s the best insurance company in Mississippi?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in Mississippi: 

Travelers
selective
safeco insurance
state auto insurance companies

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Monthly Cost of Home InsuranceAvg. Yearly Cost of Home InsuranceAvg. Home ValueNumber of Burglaries per 1,000 Homes
Jackson$109$1,303$88,50017.12
Gulfport$140$1,676$118,1008.78
Oxford$216$2,586$245,0416.39
Columbus$116$1,390$109,91314.21
Southaven$127$1,530$142,6382.40
Hattiesburg$123$1,473$110,5827.96
Biloxi$186$2,234$151,47017.52
Meridian$108$1,293$90,90715.26
Tupelo$139$1,673$142,0849.87
Leland$79$951$76,93911.19
Olive Branch$142$1,706$169,95810.51
Horn Lake$95$1,144$97,8208.85
Clinton$153$1,837$153,3326.61
Pearl$118$1,414$116,3186.74
Pass Christian$179$2,145$159,9028.26
Long Beach$159$1,902$146,1873.95
Fulton$91$1,097$103,2323.41
New Albany$116$1,391$130,1712.60
Flowood$168$2,011$176,5017.00
Pascagoula$132$1,579$105,10611.43
Brandon$163$1,951$171,7471.72
Kosciusko$79$942$82,2197.72
Gautier$150$1,796$119,48813.99
Laurel$102$1,219$82,35411.47
Clarksdale$108$1,299$66,91834.33
Ocean Springs$168$2,021$152,3786.39
Natchez$120$1,437$107,0048.20
Greenwood$106$1,269$92,02518.43
Forest$72$863$74,4613.23
Cornith$111$1,336$99,78417.32
Hernando$166$1,987$177,3256.85
Moss Point$132$1,589$86,09622.83
Canton$150$1,804$126,47325.41
Grenada$113$1,351$106,03414.47
McComb$104$1,250$94,39616.10
Brookhaven$103$1,236$113,1464.62
Cleveland$110$1,323$110,23610.68
Byram$130$1,555$127,7447.19
Yazoo City$97$1,162$76,07722.21
West Point$91$1,088$92,6729.02
Indianola$101$1,216$78,55523.49
Bay St. Louis$181$2,173$162,4998.17
Booneville$102$1,225$110,5605.58
Senatobia$141$1,691$141,27011.25
Amory$116$1,393$117,7799.83
Aberdeen$72$864$77,2626.63
Madison$197$2,362$249,5640.72
Ridgeland$150$1,805$181,1011.30
Starkville$170$2,040$179,3096.84
Vicksburg$118$1,414$100,64615.72

Jackson, MS Home Insurance

The average monthly cost of homeowners insurance in Jackson is $109. Your actual cost may be significantly higher or lower than this average since it will depend on a variety of factors such as the size, age, and construction of your home, the amount of coverage you are purchasing, and oftentimes, even your credit score.

Jackson is far enough from the Gulf coast that hurricanes and tropical storms do not strike this city with the same force as they do in cities more to the south, but the storms can still pack a punch. If your home is damaged by the heavy winds and rains these storms can bring, you can turn to your homeowners insurance for coverage. Keep in mind, however, that flood damage is not covered. For that, you will need a flood policy through the NFIP. An independent insurance agent can help you obtain this important coverage.

Don't you want insurance that is comprehensive, affordable and customized? We thought so. Partner up with a local independent insurance agent for help finding the right policies to meet all of your coverage and budgetary needs..

Gulfport, MS Home Insurance

The average monthly cost of homeowners insurance in Gulfport is $140. Insurance companies calculate rates according to a variety of factors including the size, age, and construction of your home, the instances of severe weather events in your area, the crime rate in your ZIP code, and many times, even your credit score. You can therefore expect a large variance in rates throughout this city.

Located right on the Gulf Coast, this city sees its fair share of weather-related damage. Hurricanes and tropical storms can bring heavy rainfall and strong winds that damage property and cause a great deal of financial harm. Make certain that your homeowners insurance protects specifically hurricanes so that you aren’t left holding the bag in the wake of storm. It is important to note that even if your policy provides coverage against hurricanes, it will not cover resultant flood damage. For that, you will need supplemental flood insurance through the NFIP.

A local independent insurance agent will be aware of the risks you face as a property owner in this city. Your agent can help you find a comprehensive and well-priced policy that will provide the coverage you need. It's very different from the kind of experience you would receive from a direct or captive agent. Just locate and contact your nearest agent today to find out for yourself.

Southaven, MS Home Insurance

The average monthly cost of home insurance in Southaven is $127. Your actual home insurance rate will depend on a number of factors like your house's size, age, and value; the building materials used in its construction; and even its proximity to a fire station. Depending on these and other factors, as well as how much coverage you are seeking, your quoted costs can vary significantly from this average.

Southaven homeowners insurance is designed to cover you against several different risks that might otherwise cause you serious financial harm. These include such things as property crimes, residential fires, liability lawsuits, and severe weather. Residents of Southaven are no stranger to the damaging effects of severe storms, heavy winds, and tornados. Having a solid insurance policy in place can provide you with peace of mind when storms roll in.

Independent insurance agents have the freedom and flexibility to show you policies and quotes from multiple companies. When you work with a local independent agent, you can be sure that you are obtaining the right policy to meet your specific coverage needs and that you are getting it at reasonable price.

Hattiesburg, MS Home Insurance

The average monthly cost of homeowners insurance in Hattiesburg is $123. When calculating your rate, insurance companies will take into account factors such as your home's age, size, and value, the crime-rate within your ZIP code, and your credit and claims history. It should therefore come as no surprise if your quoted rates vary significantly from the average.

Hattiesburg is located close enough to the Gulf Coast to suffer the damaging effects of hurricanes and tropical storms that make landfall in this state. Often, these storms can lead to hurricanes, which can devastate area property. Fortunately, your Hattiesburg homeowners insurance is designed to protect you against hazards that can lead to large financial losses. It is important to note, however, that flood damage is not covered by home insurance. For that, you will need to purchase a separate flood insurance policy. An independent insurance agent can show you how.

Local independent insurance agents understand the specific coverage needs of Hattiesburg residents, because they own property here too. Your agent can help you compare a variety of policies and rates so that you can be sure you are getting the right coverage at the best price.

Biloxi, MS Home Insurance

The average monthly cost of home insurance in Biloxi is $186. Rates for each homeowner are calculated individually according to a number of different factors regarding you and your property. Because of this, the average rates should only be used to get a general idea of what you might be expected to pay. Your actual rates may be significantly higher or lower.

Given its location along the Gulf Coast, residents of Biloxi frequently endure the damaging effects of hurricanes and tropical storms. The heavy winds that accompany these storms can destroy roofs, topple trees, and wreak havoc in the area. Often, these storms bring flooding to the area, but what too many people discover only when it’s too late, homeowners insurance does not cover flood damage. An independent agent can help you secure a supplemental flood insurance policy so that you are fully covered.

Local independent insurance agents understand the specific coverage needs of the residents in their communities. Find an agent near you for assistance with obtaining and comparing quotes on policies that meet all of your coverage needs.

Meridian, MS Home Insurance

The average monthly cost of home insurance in Meridian is $108. Your actual cost may be considerably higher or lower than this average since it will depend on a variety of factors such as the size, age, and construction of your home, the amount of coverage you wish to purchase, and frequently, even your credit score.

The most expensive risk faced by homeowners in Meridian is tornado damage. This city sees its fair share of severe storms and sometimes they spawn tornados. If a twister passes through your community, the damages can range from broken window and damaged roofs, to a total loss of your home. Fortunately, when you have a solid Meridian homeowners insurance policy backing you up, you do not need to worry about taking a financial hit. Your insurance can provide the funds you need to repair or rebuild your home and to replace the lost or damaged property within it.

You have invested a lot in your home. It is therefore important that you secure that investment with a solid Meridian home insurance policy. A local independent insurance agent can offer you a selection of policies and quotes that you can review together so that you are sure you are getting reliable coverage at a competitive price.

Tupelo, MS Home Insurance

The average monthly cost of homeowners insurance in Tupelo is $139. Insurance companies determine each applicant’s rates according to a variety of factors including the size, age, and construction of the home, the instances of property crime and severe weather events in the area in which it is located, and many times, even the applicant’s claims history and credit score. Each company has its own proprietary method for calculating rates so it pay to compare multiple quotes.

Tupelo homeowners insurance can cover you against a variety of hazards that you face as a property owner in this city. These include such things as liability lawsuits, property crimes, accidental fires, and damaging weather events. In Tupelo, where severe storms and tornados pose a significant threat, it can be reassuring to know that if your house is damaged by Mother Nature, you have a solid insurance policy backing you up.

Independent insurance agents in your city understand your home coverage needs because, as members of your community, they face the same risks. They can answer your insurance related questions, explain your coverage options, and help you compare policies and quotes from multiple insurance companies. Find an agent near you to get started.

Olive Branch, MS Home Insurance

The average monthly cost of homeowners insurance in Olive Branch is $142. When they calculate your rate to provide a quote, insurance companies will take into account several factors such as your home's age, size, and value; the property crime rate within your ZIP code; and your credit and claims history. It should therefore come as no surprise if your quoted rates vary considerably from the average.

Fortunately for residents of Olive Branch, the city is located far enough north that is does not bear the worst of hurricanes and tropical storms that make landfall along the Gulf Coast. However, severe storms and tornados still pose a significant threat to area homes. Fortunately, your Olive Branch homeowners insurance can provide coverage against these damaging weather events as well as protect you from other hazards such as liability lawsuits, property crimes, and residential fires.

Make the right insurance decisions by working with a local independent insurance agent. These agents work for you instead of for a specific insurance company. This means they can help you compare policies and rates from multiple insurers so that you can select the policy that best meets your coverage and budgetary needs.

Clinton, MS Home Insurance

The average monthly cost of homeowners insurance in Clinton is $153. Individual rates for each homeowner are calculated according to a variety of different factors regarding the applicant and the property being insurance. Therefore, the average rate should only be used to get a basic idea of what you may be expected to pay. Your actual rates can be significantly higher or lower than this amount.

Residents of Clinton are often subjected to the damaging effects of severe storms and tornados. These severe weather events can damage roofs, destroy property, and sometimes even level homes. Fortunately, your Clinton homeowners insurance policy can help you pick up the pieces by providing the funds you need to repair or rebuild. This insurance also protects against other hazards like liability lawsuits, accidental fires, and burglaries. Flood damage, however, is not covered so talk to your independent insurance agent about supplementing your coverage with flood insurance.

Your local independent insurance agent is a resident of your community and understands the specific hazards you face as a homeowner in Clinton. These agents can provide you with quotes from multiple companies so that you can find the best price for your home coverage. 

Pearl, MS Home Insurance

The average monthly cost of homeowners insurance in Pearl is $118. Your actual cost for home insurance will depend on a number of factors including, but not limited to, your house's size, age, and value; the building materials used in its construction; and your credit and claims history. Your quoted costs can therefore vary significantly from this average amount. 

You likely have a lot invested in your home. Pearl homeowners insurance is designed to provide help you protect that investment by covering potential financial losses related to risks such as damaging weather, accidental fires, burglaries, and liability lawsuits. Severe storms and tornados pose the largest risk to area homes. These weather events are covered, but the floods that can accompany them are not. Be sure to supplement your coverage with a flood insurance policy in order to be fully covered. An independent agent can show you how.

Because they live in your community, local independent insurance agents understand the risks you face as a homeowner in Pearl. They can therefore help you find the right coverage to mitigate these risks. By providing you with multiple policies and rates to compare, they can help you be sure that you are getting the right coverage at the best price.