Pascagoula Homeowners Insurance

Your Complete Guide to Pascagoula, MS Homeowners Insurance

(Find the right homeowners insurance policy for you.)

How Much Home Insurance Do I Need

With nearly 21,000 residents, Pascagoula is home to over 8,000 homeowners. Owning a home can be risky because you never know when a disaster will occur. If you have purchased a house in Pascagoula, then it's a smart idea to purchase a homeowners insurance policy to protect your investment.

Let an independent insurance agent help you find the best coverage for your Pascagoula home. Find an insurance agent near you to learn more and to start comparing a customized homeowners insurance policy.

How Much Does Homeowners Insurance Cost in Pascagoula, MS?

Residents in Mississippi usually tend to pay more for their homeowners insurance on average. In Pascagoula, the rates tend to lean even higher than the national average. Yearly averages look like:

  • National average: $1,192
  • Mississippi average: $1,525
  • Pascagoula average: $1,579

Your actual rate in Pascagoula may be higher or lower than this 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 smart idea to get quotes 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 (single-family home, condo, manufactured house, etc.)
  • Crime rate and weather risks in your ZIP code

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

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

Burglary Rate in Pascagoula

The burglary rate in Mississippi tends to be higher than the national average, and Pascagoula tends to lean 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 Pascagoula: 8.62

The chance of becoming a victim of property crime in Pascagoula is 1 in 16. 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.

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What about Flood Damage in Pascagoula, MS?

Mississippi residents pay an average of $728 for yearly flood damage. Unfortunately, your standard homeowners insurance won't provide coverage for damage from floods, even if it results from hurricanes. Much of  Pascagoula is located in designated FEMA Flood Zones. Your flood insurance policy will cover direct losses caused by surface flooding, including the Gulf of Mexico overflowing. It 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 Pascagoula 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 Pascagoula, MS Homeowners Need Liability Protection?

One of the most crucial 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. Pascagoula homeowners liability insurance will ensure that you're covered.

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

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

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