Moss Point Homeowners Insurance

Our Moss Point, MS, homeowners insurance guide will help you better understand what coverages make for a solid home policy. Plus, you’ll discover the best way to save on homeowners insurance premiums. Let us remind you to tap into the free professional resources within your neighborhood by contacting an independent insurance agent.  

Homeowners Insurance for Your Moss Point, Mississippi, Home

In recent years, Mississippi home insurers paid more than $400,000,000 in annual property claims. Weather damage is the most common reason for a Mississippi homeowner to file a claim. That makes sense because Jackson County itself has more than the nationwide average of tornadoes and floods. So it’s critical that you are insured and ready when those storm clouds roll into town. 

You’ll want homeowners insurance that protects against losses from: 

• Theft
• Fire
• Lightning

Although tornado damage is typically covered by a homeowners insurance policy, any damage caused by flood waters will not be covered. Instead, you’ll want to talk with your independent agent about getting a stand-alone flood insurance plan considering you’re living in a flood prone county. 

Protection for Your Personal Belongings in Moss Point, MS

Stop by your local insurance agent’s office to chat about how your home insurance can help cover personal belongings that are stolen or ruined because of a covered loss. That means belongings that you keep in your home, like:

• Computers
• Televisions
• Tools
• Lawn equipment
• Sports gear

These items will be protected by your Moss Point homeowners policy. In fact, you may even be reimbursed for groceries that are spoiled as the result of a covered event. Your neighborhood agent can discuss this benefit with you in more detail. 

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Protecting Yourself against Liability in Moss Point, MS

Have you ever known an accident was going to happen? Were you aware of a mistake before it was made? The answer to both questions is probably “no.” And that’s why it makes financial sense to get a homeowners insurance policy that protects you from unexpected accidents.  

Safeguard your personal liability by insuring against things like this:

• Your child breaks the neighbor’s front window.
• Your dog runs out the front door and bites someone. 
• A friend accidentally breaks their nose at a get-together on your property.

Check out your home policy’s liability limits to be sure the policy limits are high enough to keep you secure. Your independent insurance agent may recommend you buy an affordable umbrella policy for an extra layer of protection. 

Pricing for Homeowners Insurance In Moss Point, Mississippi 

Most homeowners aren’t sure how they can go about finding the most property coverage for the least amount of money. In fact, Mississippi citizens usually pay more for homeowners insurance than those in other states.

• US average yearly premium: $1,173
• Mississippi average yearly premium: $1,508
• Moss Point, MS, average yearly premium: $1,589

Insurance costs are specific to each home, owner, and area. In Moss Point, the average home value is $91,329. Insurance companies are often more competitive in certain areas of the country than others. Your local independent agent knows which companies have the lowest premiums for Moss Point. They also know the best carriers and rates for car insurance and life insurance too. 

Reach Out to Your Moss Point, Mississippi, Agent

Your home is your biggest investment. It’s where you enjoy your family and dream of the future. That’s why you need to safeguard yourself and your home from unforeseen challenges. 

Life is busy and you may not have time to shop for the right home policy and the right premium. That’s why you should rely on an independent insurance agent for free assistance. 

A Moss Point, MS, independent agent will answer your questions, identify your most critical risks, gather several insurance quotes, and get your application submitted. Should the day come when you need to file a claim, that’s another time your independent agent will step up to help.