Fulton Homeowners Insurance

Fulton, Mississippi is home to Itawamba Community College. Bass fishing tournaments and camping take charge in this historic city. If you own a home in Fulton, you'll need to get homeowners insurance. Click here insurance agent to get matched with a local independent insurance agent in no time. 

Do You Need Liability Insurance in Fulton, MS?

Your homeowners insurance policy is your refuge in time of loss. If you have a claim, your home policy is likely to respond with the right coverage. It's essential to know what liability insurance will cover in the event of a loss. 

What your homeowners liability covers:

Liability insurance : Protects against a lawsuit if you or a member of your household cause damage to a person or their property. 

Example of a liability claim: 

A rather common liability claim is falling trees. If you have mature trees on your property and one gets knocked over in a storm and falls on your neighbor's roof, you're liable. It's not unusual for these kinds of claims to cost upwards of tens of thousands of dollars. Unless you want to pay that cost out of pocket, liability insurance is necessary. 

Do Property Crimes in Fulton, MS Affect Home Insurance?

The long and short of it: Yes. The crime rate in any city will affect your homeowners insurance premium. Since you are transferring your risk to the carrier, they have to go off the facts. If you live in a high-crime city, you have more of a chance to file a crime-related claim.

Burglary rate averages per 1,000 households:

• National average: 4.69
• Mississippi average: 7.81
• Fulton average: 0.36

On average, the 4,011-resident town of Fulton has a low property crime rate. This puts Fulton well below the state and national averages. Fulton has a rich history and is known for being on the multi-state Underground Railroad Bicycle Route. This community takes pride in its long history and preserves it accordingly, providing a perfect example of how a more connected community tends to have lower crime rates overall.

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When Disaster Strikes in Fulton, MS, Will Your Insurance Respond?

Fulton, MS, is known for a few frequent natural disasters. Every part of the country has a weather pattern that may be more common. If you have the proper home insurance coverage in place, you'll have the protection you need. 

Top 5 claims reported in Mississippi:

1.  Severe Storms and lightning 
2. Burglary and other property crimes
3. Hurricanes and tropical storms
4. Tornadoes
5. Flooding and water damage

Top 3 natural disasters in Fulton, MS:

1. Storms
2. Tornadoes
3. Floods

Your independent insurance agent should be discussing all of these potential claims and how your policy will respond With a reported 1,427 claimants helped in 2016 alone, your policy needs to be right.

What Does Home Insurance Cost in Fulton, MS?

Your home is a place of refuge and safety, and protecting it is vital to keeping a good quality of life. Cost is always a factor, but proper coverage doesn't have to be expensive. With an independent insurance agent, you have choices on both coverage and price. 

Home insurance premium annual averages:

• National average: $1,173
• Mississippi average: $1,508
• Fulton average: $1,059

Fulton's low crime rate, location, and overall property factors keep the average home insurance rates low. The average premium is more competitive than both the state and national averages. 

How a Local Fulton, MS Agent Can Help

An independent insurance agent can help you find what you're looking for. These agents can provide options. They work with multiple carriers, ensuring that you'll find the best coverage and price. Connect with an independent agent today and put your insurance needs in a trusted adviser's hands.