Better Insurance Starts Here

Mississippi Homeowners Insurance

Your Complete Home Insurance Guide for Mississippi

Full analysis of INSURANCE COSTS, CRIME RATES  and  WEATHER PATTERNS in your city and state.

simple divider

Popular Questions About Mississippi Home Insurance

simple divider

How Much Does Mississippi Home Insurance Cost?

The national yearly premium average for homeowners insurance is $1,132, but Mississippi homeowners pay an average yearly premium of $1,447. It may be a bit higher than you'd like, but keep in mind the specific risks you face in the Magnolia State.

What Does My Mississippi Home Insurance Do for Me?

Think of homeowners insurance as your financial backup plan for the times when bad things happen to your home unexpectedly. It gives you peace of mind to know that you'll be financially and emotionally stable in the event your property is damaged or stolen.

homowners insurance graphic

Pays for repairs to your home and your belongings

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

homowners insurance graphic

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.

homowners insurance graphic

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.

What Are the Top 5 Mississippi Home Insurance Claims?

2
Wind & Hail Damage
2
Water Damage & Freezing
3
Property Damage
1
Theft
2
Fire & Lightening Damage
simple divider

$344,033,000

Spent by insurance companies on homeowners claims in Mississippi in 2016.

(That's a lot of unfortunate events happening to Mississippi homeowners.)

simple divider

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."

Below are two examples of risk facing the state of Mississippi.

Crime

Crime

Most Mississippi communities are safe places, but metro areas can bring worse crime rates, and criminals can strike without warning. Consider these statistics and how much they can impact your homeowners insurance rates and coverage limits.

  • National average of burglaries: 37,814

  • Mississippi number of burglaries: 24,995
weather

Weather

Weather in Mississippi can be especially disastrous for homeowners. Consider the state's gulf side location; hurricanes, intense storms and unsuspecting flooding can happen without warning.

  • Number of tornadoes: 61

  • Number of catastrophes: 469

  • Property damage from weather: $212,070,000

Top Insurance Companies in Mississippi

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget.

travelers
selective
safeco
state auto

Find the Best Mississippi Homeowners Insurance Today

Unlike a specific carrier or an agent who works for a specific company, an independent agent can quote with multiple companies to make sure you receive the best coverage for your needs at a price you can afford.

homowners insurance graphic

257

Agents in Mississippi are ready to help.

homowners insurance graphic

1,427

Mississippi residents have already been helped by one of our agents.

find an agent button

Find the Best Insurance in Your City

simple divider

Jackson

simple divider

What Affects the Cost of Jackson Home Insurance?

2015 Natural Disasters in Jackson

1 | Storms - 6

2 | Tornadoes - 6

3 | Floods - 4

« End of box »

The proximity of your neighborhood to the ocean is an important factor in calculating the cost of your homeowners insurance. Because Jackson is prone to experiencing harsher weather than other areas in Mississippi, your home insurance rate will likely be higher than average. Keep this in mind when you're looking at home insurance options.

Common Homeowners Claim in Jackson

simple divider
Theft or Burglary
theft

As a metropolitan area, Jackson can see a lot of crime. Your property and personal possessions can be damaged or stolen when you least expect it. That's why you need proper homeowners insurance to protect you against the worst of scenarios.

arrow

« End of box »

Find the Best Jackson Home Insurance

Don't you want insurance that is comprehensive, affordable and customized? We thought so. Partner up with a Trusted Choice® Independent Insurance Agent to receive homeowners insurance that fits the bill.

homowners insurance graphic

14

Agents in Jackson are ready to help.

homowners insurance graphic

14

Jackson residents have already been helped by one of our agents.

See what others are saying about our Jackson agents …

simple divider
The staff is very friendly and take customer service to a whole different level. They take their time to explain your policy to you and make sure that you have the coverage you need. They treat you like a person, not just a policy.Kim H.
Google Review
I had a very pleasant experience with this agency. I got great rates on my auto and home insurance when I relocated to Jackson, Mississippi. I would highly recommend to any family member or friend.Steven S.
Online Review
find an agent button

Gulfport

simple divider

What Affects the Cost of Gulfport Home Insurance?

2015 Natural Disasters in Gulfport

1 | Hurricanes - 12

2 | Floods - 6

3 | Storms - 5

« End of box »

It's obvious that hurricanes and strong ocean storms can damage your home. But do you have the right kind of protection to insure you can properly bounce back after your home or property is damaged? If not, you should take another look at your homeowners insurance, and make sure it has enough protection and limits for whatever may come your way.

Common Homeowners Claim in Gulfport

simple divider
Wind Damage
wind

 

Located right on the water, Gulfport sees its fair share of weather-related damage. Hurricanes and ocean storms can bring intense and strong winds, damaging property and causing financial harm. Ensure your homeowners insurance protects specifically against these scenarios so you can have peace of mind.

arrow

« End of box »

Find the Best Gulfport Home Insurance

A Trusted Choice agent will make sure you receive the best home insurance for your needs. 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.

homowners insurance graphic

9

Agents in Gulfport are ready to help.

homowners insurance graphic

44

Gulfport residents have already been helped by one of our agents.

See what others are saying about our Gulfport agents …

simple divider
I've been with this agency for over 8 years and am completely happy with the level of service I have gotten. They found me the best car, home and life insurance for my budget and have gone above and beyond what I had come to expect from businesses.Tabatha S.
Google Review
I went in for a homeowners insurance quote and 30 minutes later came out with a new policy 60% less expensive than the old policy I had. Knowledgeable and helpful staff. Mayra S.
Google Review
find an agent button

Southaven

simple divider

What Affects the Cost of Southaven Home Insurance?

2015 Natural Disasters in Southaven

1 | Floods - 4

2 | Storms - 3

3 | Tornadoes - 3

« End of box »

Your home insurance could be less or more, depending on factors like your house's size, building materials and proximity to a fire station. It's also important that you take into account the very real effects that Mother Nature can throw your way. Storms, floods and tornadoes can cause serious damage and warrant big repairs and associated costs. That's why you need a financial backup plan.

Common Homeowners Claim in Southaven

simple divider
Theft or Burglary
theft

Southaven is a suburb of Memphis, TN, which means there's a greater risk for theft and crime in the area. Your insurance should protect you against damage to property like windows and doors, as well as theft of property like electronics and jewelry.

arrow

« End of box »

Find the Best Southaven Home Insurance

Did you know that an independent agent has the freedom and flexibility to show you numerous quotes from multiple companies? That way, you'll receive something you truly need at a price you want.

homowners insurance graphic

5

Agents in Southaven are ready to help.

homowners insurance graphic

10

Southaven residents have already been helped by one of our agents.

See what others are saying about our Southaven agents …

simple divider
Our agent is great, and someone who you'll love doing business with. He knows what he's doing, and he's committed to making sure you feel heard and listened to. Best agent in town!Chris B.
Google Review
Our family has had insurance with this agency for 22 years and they have always been there to help us. I wouldn't have insurance anywhere else!A Southaven Resident
Online Review
find an agent button

Hattiesburg

simple divider

What Affects the Cost of Hattiesburg Home Insurance?

2015 Natural Disasters in Hattiesburg

1 | Hurricanes - 8

2 | Floods - 4

3 | Storms - 4

« End of box »

Your home insurance should take into account not only your home's age and location but also the type of weather risks in the area. Your property can be severely damaged, if not depleted, by hurricanes, tornadoes and strong storms. Talk to a Trusted Choice agent to learn more about what kind of coverages will give you complete coverage.

Common Homeowners Claim in Hattiesburg

simple divider
Physical Damage
physcial damage

Whether it's from weather or vandalism, property damage can be a financial and emotional burden to deal with. Proper homeowners insurance will step in and cover the cost of rebuilding or repairing your property so you can get your home back on track.

arrow

« End of box »

Find the Best Hattiesburg Home Insurance

Imagine having a friend who just so happens to sell you insurance. That's what you'll get from a Trusted Choice agent. We will get to know you and your family, as well as your personal living situation, to find you a homeowners policy that gives you 360 degrees of protection.

homowners insurance graphic

11

Agents in Hattiesburg are ready to help.

homowners insurance graphic

85

Hattiesburg residents have already been helped by one of our agents.

See what others are saying about our Hattiesburg agents …

simple divider
Our agency's staff is great, they treat you like a hometown insurance agent should.A Hattiesburg Resident
Google Review
Always good customer service and nice people to deal with.Donald L.
Online Review
find an agent button

Biloxi

simple divider

What Affects the Cost of Biloxi Home Insurance?

2015 Natural Disasters in Biloxi

1 | Hurricanes - 12

2 | Floods - 6

3 | Tornadoes - 5

« End of box »

Your home insurance could be less or more than average rates, depending on factors like the types and severity of natural disasters in the area. For Biloxi residents, hurricanes should be a major concern and something your insurance should appropriately cover against.

Common Homeowners Claim in Biloxi

simple divider
Water Damage
water damage

 

It's fairly obvious that one of the biggest types of claims seen in the Biloxi area is water-related damage. Hurricanes can bring not only strong waves and intense winds but unexpected flooding as well. Make sure your homeowners policy covers these unique risks by talking to a Trusted Choice agent.

arrow

« End of box »

Find the Best Biloxi Home Insurance

A local and independent Mississippi Trusted Choice agent can help you determine your needs and compare multiple insurance quotes. Your agent can make sure you file claims correctly and get the best policy for your money now and in the future.

homowners insurance graphic

6

Agents in Biloxi are ready to help.

homowners insurance graphic

62

Biloxi residents have already been helped by one of our agents.

See what others are saying about our Biloxi agents …

simple divider
The customer service rep that answered the phone was able to completely satisfy my requests in a timely fashion. She was polite and spoke well. A Biloxi Resident
Google Review
My agent was able to get me better coverage with a preferred insurance company while saving me over $700.00 a year. I received a great return on my time investment of three minutes. This was much better than saving 15% in 15 minutes.Morgan S.
Online Review
find an agent button

Meridian

simple divider

What Affects the Cost of Meridian Home Insurance?

2015 Natural Disasters in Meridian

1 | Tornadoes - 6

2 | Floods - 5

3 | Storms - 5

« End of box »

Your homeowners insurance should appropriately address the risks you face as a Meridian homeowner. That means hurricanes, strong winds, flooding and more. Take a look at the data, and find a policy that meets your needs.

Common Homeowners Claim in Meridian

simple divider
Lightning
storm

With any bad storm come lightning strikes. Lightning can cause damage to your home whether you like it or not, so it only makes sense to be completely prepared with a home insurance policy that will help you financially if repairs or replacements are needed.

arrow

« End of box »

Find the Best Meridian Home Insurance

It's important to get the best home insurance due to the myriad risks you face as a Mississippi homeowner. Luckily, a Trusted Choice agent can offer you numerous quotes to choose from so you can select something comprehensive and affordable.

homowners insurance graphic

5

Agents in Meridian are ready to help.

homowners insurance graphic

96

Meridian residents have already been helped by one of our agents.

See what others are saying about our Meridian agents …

simple divider
I have had insurance with this agency for over 15 years, and they have always been professional and accommodating. They are prompt in their claims process, and I would highly recommend this company for any of your insurance needs, whether personal or commercial.Tammy M.
Google Review
Not only is my agent a great insurance agent, but she is devoted to our community. She works tirelessly on improving Meridian's downtown through fabulous events with Meridian Main Street.Karen R.
Online Review
find an agent button

Tupelo

simple divider

What Affects the Cost of Tupelo Home Insurance?

2015 Natural Disasters in Tupelo

1 | Storms - 5

2 | Tornadoes - 4

3 | Floods - 3

« End of box »

What are the natural disasters you're more likely to face? Take a look to the left. It's clear that your home insurance needs to address specific weather-related risks like storms, flooding and lightning.

Common Homeowners Claim in Tupelo

simple divider
Theft & Burglary
theft

Tupelo is the seventh-largest city in the state, so residents should expect higher crime and theft. Don't let a burglar cause financial and emotional devastation to you and your family; get insurance with proper protection and higher-than-average coverage limits.

arrow

« End of box »

Find the Best Tupelo Home Insurance

Trusted Choice agents will shop around to find you the best coverage that fits your unique needs — unlike a direct or captive agent. You need to protect your valuable property and home, and an independent agent can make this job much easier.

homowners insurance graphic

5

Agents in Tupelo are ready to help.

homowners insurance graphic

6

Tupelo residents have already been helped by one of our agents.

See what others are saying about our Tupelo agents …

simple divider
This agency has helped me tremendously over the years. Their rates are great, and the staff is excellent. Nathan C.
Google Review
Great place to purchase insurance. The people there go beyond the call of duty to help you. Thank you!Glenn D.
Online Review
find an agent button

Olive Branch

simple divider

What Affects the Cost of Olive Branch Home Insurance?

2015 Natural Disasters in Olive Branch

1 | Floods - 4

2 | Storms - 3

3 | Tornadoes - 3

« End of box »

Mother Nature can strike without warning. A lightning storm can cause trees to fall, a hurricane can cause strong wind gusts, and flooding can be unstoppable. Ensure you're properly insured against the unique risks you face as an Olive Branch homeowner, and get the right amount of coverage for your needs.

Common Homeowners Claim in Olive Branch

simple divider
Fire Damage
fire

A fire at your home, whether by accident or related to criminal activity, is not something you want to encounter. It's a serious financial burden when you go to make repairs or to rebuild. That's why it's essential to have proper coverage to protect you against fire risks.

arrow

« End of box »

Find the Best Olive Branch Home Insurance

Make the right insurance decisions with a Trusted Choice agent. Your local, friendly agent will save you time and money — and give you 360 degrees of protection with the best homeowners insurance on the market.

See what others are saying about our Olive Branch agents …

simple divider
This agent is exceptional. Her customer service is what you dream of! She worked and worked to make sure that we not only had good coverage but that it would also fit into our budget. Olive Branch Resident
Google Review
I have been using this agency for the past 7 years. Life, car and even home insurance has been handled by the staff over the years. If you're looking for the best rates, without sacrificing top notch customer care then look no further.Justin H.
Online Review
find an agent button

Clinton

simple divider

What Affects the Cost of Clinton Home Insurance?

2015 Natural Disasters in Clinton

1 | Storms - 6

2 | Tornadoes - 6

3 | Floods - 4

« End of box »

Not only will your home insurance be less or more than average U.S. rates, based on factors like the size of your house and your credit score, but your rate will also be based on the weather risks you face in your hometown. Clinton sees a high number of storms, high winds, strong rain and tornadoes, so make sure you're covered against them all and the damage they can cause.

Common Homeowners Claim Clinton

simple divider
Wind Damage
wind

It may not be right on the coast, but Clinton can still experience high winds and damaging weather. It's best to be prepared for the worst, so talk to a Trusted Choice agent about how you can purchase enough coverage in case wind damages your home.

arrow

« End of box »

Find the Best Clinton Home Insurance

No two homeowners have the same needs. That's why you should compare quotes and policies with a Trusted Choice agent to find what you need at a price you want.

See what others are saying about our Clinton agents …

simple divider
My agent and his team are awesome. They are ready to help when you call and they are always friendly.James L.
Google Review
Saved big when I moved to Mississippi from Los Angeles and had to switch insurance agents. I found my agent to be so friendly. I really appreciate my agency, and the savings they provide.Clinton Resident
Online Review
find an agent button

Pearl

simple divider

What Affects the Cost of Pearl Home Insurance?

2015 Natural Disasters in Pearl

1 | Floods - 5

2 | Storms - 5

3 | Tornadoes - 5

« End of box »

Do you know what the biggest weather-related threats you face as a Pearl homeowner are? Now you do — and now you can properly protect yourself against them. When you're looking at a new homeowners insurance policy, make sure it will compensate you against damage that Mother Nature may cause.

Common Homeowners Claim in Pearl

simple divider
Crime & Theft
theft

Pearl is generally a safe community, but a break-in or burglary can happen without warning since it's so close to a metropolitan area. Your homeowners policy should cover property damage and stolen property at the appropriate coverage limits so you can have peace of mind if something occurs.

arrow

« End of box »

Find the Best Pearl Home Insurance

Don't bother contacting multiple insurance companies for a homeowners insurance quote; just reach out to your local Trusted Choice agent. You'll be able to obtain and compare multiple plans, companies and rates so you can choose something comprehensive and affordable.

See what others are saying about our Pearl agents …

simple divider
Service is always prompt and professional at this location. The staff always has a wonderful, friendly, helpful attitude. Everyone makes you feel at home!!Paul B.
Online Review
I have a wonderful agent and his team works hard for their customers! Our family has had insurance with them for 22 years and they have always been there to help us. I wouldn't have insurance anywhere else!Horn Lake Resident
Google Reviewer
find an agent button

What Affects Home Insurance Costs in Each Mississippi City?

dividers

Oxford

dividers

Oxford residents should know the unique weather risks they face. Tornadoes, storms and flooding can all easily happen in the area and easily damage your property. Ensure that your coverage protects you against these risks and that it will fairly compensate you if something happens.

Columbus

dividers

If you're looking at purchasing homeowners insurance, you need to know what you're up against. A good place to start is with the weather-related risks you face, like tornadoes, storms and hurricanes. These incidents may or may not be covered in your policy, so it's a good idea to double-check.

Leland

dividers

Do you know what things are and are not covered by your homeowners insurance? If bad weather and property damage are not included, you may need to either reconsider your carrier or add coverages to your policy. Since natural disasters and bad weather can easily impact your Mississippi home, you should take this part seriously.

Horn Lake

dividers

If you're a Horn Lake homeowner, do you know what risks can impact you and your property? While fires, accidents and thefts can happen, all Mississippi residents need to be wary of weather like storms, flooding and tornadoes. If you're unsure of what you need protection against, talk to a Trusted Choice agent.

Pass Christian

dividers

Natural disasters can happen whether you like it or not. You may have a bit of warning when it comes to hurricanes and storms, but flooding can become a big problem for you and your property. Don't let Mother Nature cause emotional and financial stress; find an insurance plan that gives you 360 degrees of protection.

Long Beach

dividers

When you live in a coastal state, you should know what kind of weather can come your way. A hurricane can bring strong winds and heavy rains, as well as subsequent flooding. If your current homeowners policy doesn't cover these risks, chat with a Trusted Choice agent to get protection.

Fulton

dividers

Storms, hurricanes and flooding can not only impact your home but also increase how much you pay for homeowners insurance. But take note: Some specific types of weather and certain damage are not covered in your policy, and you may need to purchase additional coverages or higher limits. Learn the details, and find insurance designed for you and your Fulton home.

New Albany

dividers

The New Albany area can experience a variety of weather, from hurricanes to summer storms to unexpected flooding. But do you know what is and isn't covered under your current homeowners insurance policy? You should learn now before it's too late and purchase the types of coverages you need, along with appropriate limits, to be fully protected.

Flowood

dividers

What would you do if hurricane-related weather caused damage to your home? It's a reality you have to accept and face as a Flowood homeowner. And if you don't have the right homeowners insurance, you could suffer serious financial harm. Protect yourself, your family and your residence by teaming up with a Trusted Choice agent.

Pascagoula

dividers

When you buy a home in Pascagoula, you should know exactly what kind of risks you're facing. Damage from storms, hurricane and flooding happen often to properties in the area. Have peace of mind and 360 degrees of financial protection when you find an insurance plan that covers all of these risks and more.

Get Multiple Quotes