Long Beach Homeowners Insurance

(Find the right homeowners insurance policy for you)

Written by Christina Palermo
Written by Christina Palermo

Christina is a freelance writer and licensed insurance agent. She has worked in many facets of the insurance industry, from entry-level assistant to account manager/sales rep to vice president of operations.


Our guide to homeowners insurance is exactly what first time homeowners and current homeowners need who are looking to save a few dollars. There are specific coverages you’ll definitely want to have and there are ways to save on premiums that you’ll want to know. 

Your local independent insurance agent will be glad to direct you to the best insurers for your neighborhood. By working with a knowledgeable, local agent, you’ll get everything you need without having to figure it out alone.

Breaking Down Long Beach, Mississippi, Homeowners Insurance

Most Mississippi home insurance claims are weather related. During the course of one year, Mississippians received $414,000,000 in claims caused by serious weather events. In Harrison County, residents most often deal with tornadoes and storms. That’s why it makes sense that Long Beach residents would want the most robust homeowners insurance possible. 

Under a comprehensive homeowners insurance plan, you’ll be protected from a variety of risks like: 

  • Lightning strikes
  • Tornadoes
  • Fires
  • Power failures
  • Hail
  • Wind
  • Ice storms
  • Rainstorms
  • Fallen trees
  • Frozen pipes

Considering damage from floods is frequent in Harrison County yet isn’t covered under most homeowners insurance policies, it's a good idea to talk with your local independent agent about getting flood insurance too. 

Personal Liability Coverage Pays to Defend You in Long Beach, MS

Your home policy’s personal liability benefit is meant to protect your assets should someone become injured while visiting you. This benefit further helps cover you if someone else’s property is damaged because of a mistake you made or an accident you caused. 

Personal liability coverage helps take care of these types of scenarios: 

  • Your neighbor’s window is broken by a tree branch from your yard
  • Your friend breaks her ankle when she slips on your front staircase
  • A delivery driver hurts his arm when he slips on your icy sidewalk

Your homeowners insurance will pay for the below types of losses as they relate to a covered personal liability claim: 

  • Medical bills for injured visitors
  • Pain and suffering
  • Lost wages
  • Death benefits
  • Legal costs

Keep in mind, your home insurance will only pay up to a specified amount of money. Your policy will clearly state the personal liability limit. Of course, you want this to be a generous amount because you’ll be responsible for paying any liability debts that exceed your policy’s limits. 

Or you could buy umbrella insurance, an optional coverage that will take on any of those extra costs that go beyond your home policy limits. Your Long Beach insurance agent will be more than glad to go over all of this with you.


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Personal Property Coverage Pays to Replace Your Belongings in Long Beach, MS

Your homeowners insurance also covers the contents of your home and its detached structures (e.g., garage, shed). Any of your personal belongings that are ruined or stolen can be repaired or replaced by your homeowners insurance plan. Wouldn’t it be a relief to know that if you experience a covered loss, you won’t have to pay out of pocket for a replacement item? 

Talk with your Long Beach insurance agent about how your home insurance will cover personal belongings that you keep in your home, like:

  • Laptop
  • Musical instruments
  • Televisions
  • Cameras
  • Lawn mower
  • Furniture 
  • Jewelry

Your neighborhood agent can discuss this benefit with you in more detail. You might want to talk about getting additional personal property insurance to cover things like your priceless engagement ring or special collectible items. 

Get a Great Priced Long Beach, Mississippi, Homeowners Policy 

Homeowners insurance premiums are specific to the ZIP code, home, and owner. In Long Beach, the average home value is $175,830, and the pricing is usually higher than in other parts of the state.  

  • US average yearly premium: $1,173
  • Mississippi average yearly premium: $1,508
  • Long Beach, MS, average yearly premium: $1,902

Home insurers are usually more competitive in certain areas of the country versus others. Your local independent agent knows which insurance company has the best property coverage for the lowest premium. Your neighborhood agent also knows about which life insurance and car insurance companies are best within the area. 

Save Time and Money with an Independent Insurance Agent in Long Beach, MS

You’ve explored all the basics of homeowners insurance and pricing through our guide. Now it’s time to take action and start saving on a comprehensive homeowners insurance policy. To get started, ask your local independent insurance agent to gather your free homeowners quotes, explain each policy's benefits, and help with the application process. 

Remember, your local agent is part of your community, and for that reason is highly motivated to make sure your property is protected. Why wait another day to get an affordable and reliable homeowners policy? Call your Long Beach, MS, insurance agent today. 

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