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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.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, high 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
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but last year, insurance companies spent more than $414 million on home insurance claims in Mississippi. That's a lot of unfortunate events happening to Mississippi homeowners.
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?
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.
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.
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.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
|City||Annual insurance cost||Avg. home value||Burglaries / 1,000 homes|
|Bay St. Louis||$2,173||$162,499||8.17|