Pearl Homeowners Insurance

Your Complete Guide to Pearl, MS Homeowners Insurance

(Find the best homeowners insurance policy for you.)

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One in 51 people will fall victim to property crime in Pearl. With over 26,000 residents, this suburb of Jackson is home to 10,000 homeowners. If you have a house in Pearl, it's 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 Pearl home. Find an insurance agent near you to learn more and to start comparing a customized homeowners insurance quotes.

How Much Does Homeowners Insurance Cost in Pearl, MS?

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

  • National average: $1,192
  • Mississippi average: $1,525
  • Pearl average: $1,414

Your actual rate in Pearl 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. 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 Pearl, MS Homeowners Insurance Cover?

Disaster in this area can come from a variety of events such as residential fires, hurricanes, tornadoes and severe storms. There are many other different ways in which your Pearl home may sustain damage.

 Extreme Weather Events in Pearl from 1950-2010

  • Thunderstorm Winds: 2,430 counts
  • Hailstorms: 1,320 counts
  • Strong Winds: 16 counts

It is important for Pearl 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 Pearl

The burglary rate in Mississippi usually leans higher than the national average. However, Pearl tends to be much lower than the state and national averages.

  • 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 Pearl: 1.72

While the risk of burglary in this city is quite low, 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 or otherwise.

What about Flood Damage in Pearl, MS?

Residents in Pearl saw how quickly the Pearl River crested to one of its highest depths this past year. Structures were damaged throughout the area due to the flooding. Unfortunately, your homeowners insurance won't 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 Pearl 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 Pearl, MS Homeowners Need Liability Protection?

One of the most crucial parts of your homeowners insurance policy is the homeowners liability. 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 judgment 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 you will be protected.

Why Work with an Independent Agent in Pearl, MS? 

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

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