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.
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.
Example: A tree falls on your house, and rain ruins your 60" Samsung TV.
Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.
Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
(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."
Below are two examples of risk facing the state of Mississippi.
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.
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.
An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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!
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.
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.
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.
Our agency's staff is great, they treat you like a hometown insurance agent should.
Always good customer service and nice people to deal with.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
This agency has helped me tremendously over the years. Their rates are great, and the staff is excellent.
Great place to purchase insurance. The people there go beyond the call of duty to help you. Thank you!
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.
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.
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.
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.
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.
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.
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.
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.
My agent and his team are awesome. They are ready to help when you call and they are always friendly.
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.
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.
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.
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.
Service is always prompt and professional at this location. The staff always has a wonderful, friendly, helpful attitude. Everyone makes you feel at home!!
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Brandon gives its residents a small-town feel while providing easy access to all the amenities of a larger city. As a low-crime city is a great place to set roots and raise a family. A Trusted Choice agent can help you find a suitable and affordable Brandon home insurance policy to protect your investment.
Residents in Kosciusko take pride in the small city’s southern charm, proactive civic spirit and proud history. If you are among the proud homeowners in this community-oriented city, you will want to be sure to protect your investment from risks such as storms, floods and fires, with a suitable Kosciusko home insurance policy. A Trusted Choice agent can help you find the right policy.
Gautier is a small bedroom community that features amenities such as resorts, and golf courses, as well as a number of historic properties and stately homes. If you have purchased a home in this growing southern city, a suitable Gautier home insurance policy can help you protect your investment from disasters such as fires, severe weather, and property crimes. Let an independent insurance agent help you find the best policy.
If you own a house in this in this area, you can make sure your investment is protected by investing in a suitable Laurel homeowners insurance policy. Trusted Choice Independent agents can help you find an affordable policy that suitably protects you against financial losses related to such hazards as tornados, severe thunderstorms, and fires. Talk to a local agent to learn more.
Filled with southern hospitality and friendly neighbors, many find Clarksdale to be an ideal place to call home. However, living in here doesn’t come without risks. The relatively high crime rate and volatile summer storms can lead to financial losses if you are not properly insured. A Trusted Choice agent can help you secure reliable and affordable Clarksdale homeowners insurance policies so you can protect the investment you have made in your home.
This Gulf Coast city features a vibrant downtown with hundreds of restaurants, shops, and galleries, and many locals are proud to call it home. The only downside is the weather, which can be very unpredictable and damaging. It is therefore important that homeowners cover their property with a reliable Ocean Springs home insurance policy. Trusted Choice agents specialize in helping residents find the best rates on coverage.
Often referred to as the “Birthplace of Mississippi,” the beautiful city of Natchez, MS features historic landmarks, modern museums and an exciting nightlife. The only downside is the frequently-damaging weather and the high-risk of tornadoes. Fortunately, a solid Natchez homeowners insurance policy can cover your property and protect you from large financial losses. Let a local Trusted Choice agent help you find a comprehensive Natchez home insurance policy that works within your existing budget.
Located on the edge of the Mississippi Delta, the vast majority of Greenwood is in a flood plain. While this means rich vegetation and plentiful wildlife, it also poses a risk to local homeowners, so you will want to make sure your Greenwood homeowners insurance is supplemented with a flood insurance policy. A local Trusted Choice agent can help you navigate the maze of home insurance options so you can find the best and most affordable coverage.
In Forest, you’ll find small town charm and a refreshing sense of southern hospitality. If you are among the proud residents of this city, you will want to make sure your home is covered against loss and damage by a reliable Forest homeowners insurance plan. A local Trusted Choice agent can provide one-on-one support and help you find the best and most competitively-priced policy.
Because of its excellent school system, friendly neighborhoods, and low cost of living, many find Cornith an ideal place to call home. Unfortunately, this city can face severe storms and occasional tornadoes during the summer months. Therefore, residents are strongly advised to cover their property with appropriate insurance. Local Trusted Choice agents can help area homeowners secure suitable Corinth home insurance at an affordable rate.
Hernando, Mississippi is a rapidly-growing city that has seen its population more than double in the past decade. Many people are moving here to take advantage of this city’s many offerings including a thriving local economy, exceptional schools and low crime. The only drawback to life in Hernando is the unpredictable weather, which can often by quite damaging to area property. Make sure your house is covered with a reliable Hernando homeowners insurance policy. A local Trusted Choice Agents can offer personalized support and find the best and most affordable coverage.
In 2005, many residents of Moss Point, Mississippi experienced property damage when the city was hit by the east side of Hurricane Katrina. The volatile weather that this part of the county is susceptible to is one of the many reasons that it is so important to cover your property with the right insurance. A local Trusted Choice agent can help you secure a solid Moss Point homeowners insurance policy as well as a supplemental flood insurance policy so that you can have peace of mind when disaster strikes.
Officially on the Mississippi Blues Trail, Canton has a rich blues history as well as a strong sense of civic pride. If you are among the many proud homeowners in this vibrant Southern city, you will want to be sure that your home is covered with reliable Canton homeowners insurance. A local Trusted Choice agent can answer your insurance-related questions and help you find a competitively priced policy.
Grenada offers the slower pace of a small town life with all the amenities of a large city just a short drive away. Unfortunately, residents are a risk for property damage caused by severe weather events like tornados and hurricanes, so you will want to make sure have a reliable Grenada homeowners insurance plan. Trusted Choice agents take the guesswork out of choosing home insurance by providing one-on-one assistance, multiple rate quotes, and total support from start to finish.
If you are among the many people that happily call McComb your home, you want to be sure to protect your property against loss and damage that may result due to tornados, hurricanes, floods, and property crimes. Your local Trusted Choice agent is familiar with the risks you face and can assist you finding a solid and competitively-priced McComb home insurance policy as well as a supplemental flood insurance policy.
Located about an hour’s drive south of the capital city of Jackson, the small city of Brookhaven, Mississippi is an ideal location to settle down. Unfortunately, Brookhaven homeowners are at risk for property damage caused by the extreme weather that impacts this area. A local Trusted Choice agent can help you find Brookhaven homeowners insurance that will provide coverage against tornados and hurricanes and can assist you with supplementing that coverage with a flood insurance policy.
Cleveland, Mississippi offers its residents the charm of a small town while still providing easy access to the amenities of a larger city. Though a great place to settle in and raise a family, Cleveland is a place where the risk of tornadoes and other damaging weather events are a reality. In fact, this city has seen 123 tornadoes since 1950 alone. As a homeowner, you will want to make sure that your property is covered by a reliable Cleveland home insurance policy. A local independent insurance agent can help you shop around for the best policy at a competitive price.
Over the years, Byram has been repeatedly recognized as a choice community for new homebuyers, even earning recognition on Today in America for being one of America’s best small towns to work, play and relax in. If you own a home in this vibrant Southern city, you will want to be sure to cover your property with a suitable Byram homeowners insurance policy. A local Trusted Choice agent can assist you with finding an affordable and comprehensive policy.
Yazoo City is a perfect place to put down roots and raise a family, but homeowners have to contend with a high risk for tornadoes and severe thunderstorms. That’s why every homeowner needs the protection of a reliable Yazoo City homeowners insurance policy. Trusted Choice agents can help you find reliable and affordable coverage.
West Point is regarded as one of the state's best communities for buying a house, but the weather can pose some challenges. With a high risk for severe storms and damaging tornadoes, homeowners need the coverage of a reliable West Point home insurance policy. Trusted Choice agents can help you find affordable coverage that offers the coverage you need.
This town has had a series of names since it was founded. It has gone from Indian Bayou to Eureka to Belengate, and finally, it was named Indianola. Speaking of change, if you haven’t reviewed your home insurance policy lately, it may be time to update your coverage limits or to switch to a better policy. A local Trusted Choice agent can help you find the best Indianola homeowners insurance policy to meet your needs.
With only about 10,000 residents, Bay Saint Louis is a small city that serves as the county seat for Mississippi’s Hancock County. Many residents are still reeling from the destruction caused by the storm surge when Hurricane Katrina made landfall just west of the city in 2005. Storms of this magnitude highlight the importance of having suitable insurance coverage for your property. Your local Trusted Choice agent understands the risks associated with living along the Gulf Coast and can help you find a competitively-priced Bay Saint Louis homeowners insurance policy as well as supplemental flood insurance.
As one of Mississippi’s 21 certified retirement cities, Booneville has passed a series of criteria that make it a great place to live. As more people move to this charming Southern city, they need to think about how to protect their homes. A local Trusted Choice agent can help you build the most appropriate and affordable policy package.
This city is one of Mississippi’s best communities for buying a home, an new houses are constantly under construction. Unfortunately, severe weather events such as tornados and storms can pose some challenges. That is why a reliable Senatobia homeowners insurance policy is so important. Let a local Trusted Choice agent help you find the right coverage at a great price.
Amory, Mississippi is a small city of under 10,000 people in Monroe County. It is a city that is steeped in arts and culture and that values its tight-knit community. If you are among the homeowners who proudly call this city home, you will want to be sure to cover your property from risks such as tornadoes, storms and fire by investing in a suitable Amory home insurance policy. Local Trusted Choice agents understand the needs of the people in their community and can help you find reliable and cost-effective coverage.
The county seat of Mississippi’s Monroe Count, Aberdeen is a small city with a rich history. With its tree lined streets, thriving business district, abundant recreation, and Southern hospitality, this city is a fantastic place to call home. If you are among the many people who own a house in this picturesque city, you will want to be sure to protect your investment with a solid Aberdeen homeowners insurance policy. Talk to a local Trusted Choice agent for assistance with finding the best and most affordable policy.
Once a small farming-community, Madison, Mississippi is now a thriving city in the Jackson Metropolitan area. Home to such attractions as Simmons Arboretum and Liberty Park as well as a satellite campus of the Tulane University School of Continuing Studies, Madison is an excellent place raise a family. If you are among the many proud home owners in this vibrant Southern city, be sure to talk to a local Trusted Choice agent to learn how you can find suitable and affordable Madison home insurance coverage that is designed to protect your investment.
The small city of Ridgeland, Mississippi is one of the best places in the state to live and raise a family. Close to the amenities of the larger city of Jackson, Ridgeland offers a small-town feel with a tight-knit community. The city has a robust economy, great schools, and plenty of affordable housing, and many are proud to call it home. If you are among them, be sure to protect the investment you have made in your house by purchasing a reliable Ridgeland homeowners insurance policy. A Trusted Choice agent can help you find the best policy at a competitive price.
Home to part of the Mississippi State University campus, Starkville, MS is a thriving community. Residents here enjoy such events as the Cotton District Arts Festival, Super Bulldog Weekend, the Ragtime and Jazz Music Festival and more. If you are one of the many homeowners who call this vibrant Southern city home, you will want be sure to protect your investment with a suitable Starkville home insurance policy. This insurance can cover expensive loss and damages caused by such things as severe weather events, accidental fires, and property crimes. Trusted Choice agents can help you find an affordable policy.
This growing city has a rich and vibrant history and currently offers residents a variety of amenities that make it a great place to call home. If you own a house in this charming Southern city, be sure to purchase a suitable Vicksburg homeowners insurance policy that can cover you against the many risks, such as severe weather, fire, and property crimes, that may otherwise cause you undue financial losses. A local Trusted Choice agent can make shopping for the best coverage easy.