Gautier Homeowners Insurance

Your Complete Guide to Gautier, MS Homeowners Insurance

(Find the best homeowners insurance policy for you.)

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Gautier is home to nearly 7,000 homeowners and over 18,400 residents. Being located on the Gulf of Mexico can make owning a home risky, because you never know when a disaster will happen. If you have bought a house in Gautier, you should seriously consider purchasing a homeowners insurance policy to protect your investment, if you haven't already.

Let a local independent insurance agent help you find the best option for your Gautier home. Find an insurance agent near you to learn more and to start comparing customized homeowners insurance quotes.

How Much Does Homeowners Insurance Cost in Gautier, MS?

On average, residents in Mississippi tend to pay more for their homeowners insurance. In Gautier, the rates are usually much higher than the state and national averages:

  • National average: $1,192
  • Mississippi average: $1,525
  • Gautier average: $1,796

Your actual rate may be higher or lower than the average. Home insurance rates are formulated on a case-by-case basis. Each insurance company has its own way of calculating rates. It’s a good idea to ask for quotes from a variety of providers. Your rate for coverage will be based on factors like:

  • The amount of coverage you are purchasing
  • Your credit score and claims history
  • The size, age, building materials and value of your home, condo, manufactured home, single-family home, etc.
  • Crime rate and weather risks in your ZIP code

What Kinds of Damage Does Gautier, MS Homeowners Insurance Cover?

Your Gautier homeowners insurance policy provides coverage against most of the disasters you are likely to face. Hazards like severe storms, hurricanes and tornadoes have all happened in the state. With a homeowners insurance policy, you won’t face a huge financial loss. As a homeowner, it is important to make sure that your property is protected by investing in coverage.

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Burglary Rate in Gautier

The burglary rate in Mississippi tends to be higher than the national average, and Gautier tends to be even higher.

  • Number of burglaries per 1,000 homes in the US: 3.76
  • Number of burglaries per 1,000 homes in Mississippi: 6.98
  • Number of burglaries per 1,000 homes in Gautier: 6.19

Gautier crime rates are 33% higher than the national average. Your homeowners insurance can reimburse you for your losses as well as any damage the burglar may have caused.

What about Flood Damage in Gautier, MS?

Mississippi residents pay an average of $728 for yearly flood damage. Your standard homeowners insurance won't provide coverage for damage from floods, even if it results from hurricanes. Because Gautier is located on the Gulf,  it's important to make sure that you are covered when heavy rains strike. Invest in a flood insurance policy that will cover things like:

  • Your home and its foundation
  • Electrical and plumbing systems
  • Kitchen appliances like your refrigerator, stove and dishwasher
  • Debris removal

With floods so frequent for Gautier residents, it's important to get covered sooner rather than later. Flood insurance can take up to 30 days to go into effect, so don’t wait for flooding to be imminent.

Do Gautier, MS Homeowners Need Liability Protection?

One of the most important parts of your homeowners insurance policy is the personal liability section. This homeowners liability insurance is designed to cover court costs, legal defense fees and financial damages if you are held liable.

Accidents can happen that may lead to third-party injuries. If your pet causes injuries or property damage, or if you are playing a sport and cause harm to someone while you're away from your home, if you are to blame, you’ll be expected to pay for the costs. Gautier homeowners liability insurance has you protected.

Why Work with an Independent Insurance Agent in Gautier, MS? 

Independent insurance agents understand the risks you face as a homeowner in Gautier. These agents will make it easy to find the best coverage option available for you. They contact insurance companies and do the comparison shopping for you. Find an insurance agent in or near Gautier to get started.

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