Popular Questions about Mississippi Home Insurance
In Mississippi, the average cost of home insurance is $1,537 per year, which is higher than the national figure of $1,211 annually. If you want exact costs for your home insurance, you'll have to obtain custom quotes on your specifics.
Mississippi homeowners insurance will have standard limits that protect against fire, theft, vandalism, and severe weather. Here are the automatically included coverages.
- Dwelling value
- Personal property
- Other structures
- Personal liability
- Medical payments
- Additional living expenses
Each home insurance policy will typically cover the most common natural disasters in the area. Here are the top five homeowners risks in Mississippi.
- Severe storms and lightning damage
- Burglary and other property crimes
- Hurricanes and tropical storms
- Tornadoes
- Flooding and water damage
Your Mississippi homeowners insurance rates will be calculated using personal data and local risk factors.
Carriers use past claims reported, coverage selected, property value, local crime rates, and natural disasters to determine your home insurance costs. Exact premiums can be found by obtaining tailored quotes from a trained adviser.
Yes, Mississippi currently has 208 independent insurance agencies that are geared to help with home coverage. They work with multiple markets so that you don't have to. An independent agent can find the best policy that's affordable, making it easy to be protected.
Do You Know What Your Mississippi Home Insurance Covers?
Find the Best Homeowners Insurance in Your City
How does your city measure up to the national average?
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
| City | Annual insurance cost | Avg. home value | Burglaries / 1,000 Residents |
| Amory | $1,393 | $117,779 | 6.6 |
| Bay St. Louis | $2,173 | $162,499 | 8.17 |
| Biloxi | $2,234 | $151,470 | 13.4 |
| Booneville | $1,225 | $110,560 | 9 |
| Brandon | $1,951 | $171,747 | 2.1 |
| Brookhaven | $1,236 | $113,146 | 16.4 |
| Clarksdale | $1,299 | $66,918 | 34.33 |
| Cleveland | $1,323 | $110,236 | 10.68 |
| Clinton | $1,837 | $153,332 | 2.58 |
| Columbus | $1,390 | $109,913 | 14.21 |
| Gulfport | $1,676 | $118,100 | 5.7 |
| Hattiesburg | $1,473 | $110,582 | 5.8 |
| Hernando | $1,987 | $177,325 | 5.8 |
| Jackson | $1,303 | $88,500 | 11.1 |
| Meridian | $1,293 | $90,907 | 12 |
| Natchez | $1,437 | $107,004 | 8.2 |
| Oxford | $2,586 | $245,041 | 3.3 |
| Pascagoula | $1,579 | $105,106 | 7.7 |
| Tupelo | $1,673 | $142,084 | 9.87 |
- $109
- Jackson, MS Monthly average home insurance cost
- Average monthly cost of home insurance premium in Jackson: $109
- Your actual cost may be significantly higher or lower than this average. That's because 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 often, 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 high 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 National Flood Insurance Program (NFIP).
- $140
- Gulfport, MS Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Gulfport: $140
- Insurance companies calculate rates according to a variety of factors that include 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 often, 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 high winds that damage property and cause a great deal of financial damage. Make certain that your homeowners insurance protects specifically against hurricanes so that you aren’t left holding the bag in the wake of a 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 National Flood Insurance Program (NFIP).
- $127
- Southaven, MS Monthly average home insurance cost
- Average monthly cost of home insurance in Southaven: $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 property crimes, residential fires, liability lawsuits, and severe weather. Residents of Southaven are no strangers to the damaging effects of severe storms, high winds, and tornadoes. Having a solid insurance policy in place can provide you with peace of mind when storms roll in.
- $123
- Hattiesburg, MS Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Hattiesburg: $123
- When calculating your rate, insurance companies will take into account factors such as your home's age, size, and value, the crime rate in 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.
- $186
- Biloxi, MS Monthly average home insurance cost
- Average monthly cost of home insurance in Biloxi: $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 expect 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 high 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 too many people discover only when it’s too late that homeowners insurance does not cover flood damage.
- $108
- Meridian, MS Monthly average home insurance cost
- Average monthly cost of home insurance in Meridian: $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 tornadoes. If a twister passes through your community, the damage can range from broken windows and a damaged roof to the 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 in it.
- $139
- Tupelo, MS Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Tupelo: $139
- Insurance companies determine each applicant’s rates according to a variety of factors, including the size, age, and construction of the home, the rates of property crime, severe weather events in the area, and many times, even the applicant’s claims history and credit score. Each company has its own proprietary method for calculating rates, so it pays 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 liability lawsuits, property crimes, accidental fires, and damaging weather events. In Tupelo, where severe storms and tornadoes 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.
- $142
- Olive Branch, MS Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Olive Branch: $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 in 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 brunt of the hurricanes and tropical storms that make landfall along the Gulf Coast. However, severe storms and tornadoes 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.
- $153
- Clinton, MS Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Clinton: $153
- Individual rates for each homeowner are calculated according to a variety of different factors regarding the applicant and the property being insured. Therefore, the average rate should only be used to get a basic idea of what you can expect 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 tornadoes. 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.
- $118
- Pearl, MS Monthly average home insurance cost
- Average monthly cost of homeowners insurance in Pearl: $118
- Your actual cost for home insurance will depend on a number of factors, including 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 have a lot invested in your home. Pearl homeowners insurance is designed to help you protect that investment by covering potential financial losses related to risks such as damage from severe weather, accidental fires, burglaries, and liability lawsuits. Severe storms and tornadoes 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.