Horn Lake Homeowners Insurance

Your Complete Guide to Horn Lake, MS, Homeowners Insurance

(Find the best homeowners insurance policy for you)

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With over 27,000 residents, Horn Lake is home to 10,000 homeowners. Many are drawn to this city because of its low crime, good schools, and great environment to raise a family. If you have a house in Horn Lake, it is a great idea to purchase a homeowners insurance policy to protect your investment.

Let an independent insurance agent assist you in finding the best coverage for your Horn Lake 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 Horn Lake, MS?

Residents in Mississippi tend to usually pay more for their homeowners insurance on average than those in other states. Luckily, in Horn Lake, the rates tend to be much lower than the national and state's averages.

  • National average: $1,192
  • Mississippi average: $1,525
  • Horn Lake average: $1,144

Your actual rate in Horn Lake may be higher or lower than this average. Home insurance rates are formulated on a case-by-case basis depending on your home (condo, single-family house, manufactured home). Each insurance company has its own way of calculating rates, so it’s a good idea to request rates from a few different providers. Your cost 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
  • Crime rate and weather risks in your ZIP code

What Kinds of Damage Does Horn Lake, MS, Homeowners Insurance Cover?

Disasters in this area can come from residential fires, hurricanes, tornadoes, and severe storms. There are a variety of ways that your Horn Lake home may sustain damage.

Extreme Weather Events in Horn Lake from 1950 to 2010

  • Thunderstorm winds: 1,123 counts
  • Hail storms: 700 counts
  • Winter storms: 54 counts
  • High winds: 29 counts

It is important for Horn Lake residents to invest in a policy for their property. It will end up saving you huge financial costs that occur after a disaster.

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Burglary Rate in Horn Lake

The burglary rate in Mississippi usually leans higher than the national average, and in Horn Lake, it tends to also be a bit higher than the national average but lower than the state average.

  • 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 Horn Lake: 4.06

The risk in Horn Lake is above the national average. If your house is broken into, your homeowners insurance can reimburse you for your losses as well as any damage the burglar may have caused.

If you own any valuable possessions, you may need to add special endorsements to your homeowners insurance policy. This is to ensure that they will be fully covered in the event of a burglary.

What about Flood Damage in Horn Lake, MS?

Residents in Horn Lake have seen how quickly storms can bring in flash flooding. This year alone, flooding has occurred over a handful of times, and structures were damaged. Unfortunately, your homeowners insurance will not provide coverage for damage from floods. To make sure you are covered, you will need a separate 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 common for Horn Lake residents, it is 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 Horn Lake, MS, Homeowners Need Liability Protection?

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

Examples of times that this insurance provides coverage include:

  • If your pets or children cause injuries or property damage to others
  • If you accidentally injure someone while you are away from home, like in a basketball game
  • If someone is injured on your property and it can be blamed on negligence on your part

Accidents happen, and sometimes these errors in judgments lead to third-party injuries. If you are to blame, you’ll be expected to cover the cost. With homeowners insurance, you can rest easy knowing that you will be protected.

Why Work with an Independent Agent in Horn Lake, MS? 

Independent insurance agents understand the risks you face as a homeowner in Horn Lake. 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 near Horn Lake to get started.

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