Starkville Homeowners Insurance

(How to find the coverage you need at a price you can afford.)


About 25,000 people call Starkville, MS home. Many  young people and retirees are attracted to this college town because of its rich history, diverse population, and cultural Cotton District. Whatever your reasons for living here, if you own a house in Starkville, you can protect it with a comprehensive homeowners insurance policy.

When you are shopping for the best and most affordable coverage for your Starkville home, a local independent insurance agent can help. Find an insurance agent near you to start comparing customized home insurance quotes.

How Much Does Homeowners Insurance Cost in Starkville, MS?

In general, homeowners in Mississippi pay more for homeowners insurance than property owners throughout much of the county. And in Starkville, the average rate is even higher. Let’s look at an average rate comparison:

  • National average yearly premium: $1,311
  • Mississippi average yearly premium: $1,584
  • Starkville, MS yearly premium average: $2,040

Of course, Starkville includes homes with a wide range of sizes and values. As a result, your actual rates may be significantly higher or lower than this average. Home insurance costs are calculated on a case-by-case basis and are based on a variety of factors such as:

  • The age, size, and value of your house
  • The type of home you are insuring (e.g., single-family detached home, townhouse, condo, mobile home, vacation home, etc.)
  • The number of stories in your home and whether it has a basement
  • The crime rate and weather risks in the ZIP code in which your house is located
  • Your claims history and credit score
  • Whether you are bundling your coverage with other policies like car insurance or life insurance

Each insurance company has its own way of calculating rates, so it's a good idea to compare quotes from a few different providers before making a selection. That way, you can be sure that you are not overpaying for your coverage. Independent insurance agents in Starkville make comparison shopping easy.

What Kinds of Damage Does Starkville Homeowners Insurance Cover?

There are a number of ways that your Starkville home may sustain costly damage. These include hazards like fires, property crimes, and severe weather events like hail, windstorms, tornadoes and hurricanes. Fortunately, these hazards are all covered by most homeowners insurance policies.

Catastrophic Events in Mississippi

  • Number of federally declared disasters in Mississippi: 83
  • Most common reasons for disasters in the state:  Severe storms
  • Average number of tornadoes per year in Mississippi:  43
  • Average amount of property damage per year in MS:  $414.3 million
  • 1 in 15 insured homes has a claim each year.

A local independent insurance agent can help you review your dwelling and contents coverage limits so you can be sure that they are high enough to enable you to fully rebuild or replace damaged property following a catastrophic event.

It should be noted, however, that flood damage is not covered by home insurance. Residents near Hollis Creek and Josey Creek are most at risk for sustaining flood damage, but when hurricane season brings heavy rains to the area, flash flooding can happen just about anywhere. That is why you should consider supplementing your home coverage with flood insurance.

Your local insurance agent can help you review your risks and can ensure that your property is fully covered against all of the potential hazards you are likely to face as a homeowner in Starkville.


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Why Do Starkville Homeowners Need Liability Protection?

We are only human, and humans make mistakes. If you are responsible for an accident or mishap that leads to injuries or damage to others, the injured parties can sue, and things can get costly. That is why homeowners insurance also provides you with personal liability coverage.

Homeowners liability insurance is designed to cover court costs, legal fees, and damages if you are responsible for injuries or damage associated with a covered event. Examples of times that this liability coverage can come to your aid include:

  • If a visitor, guest, or delivery person is seriously injured while on your property
  • If your pets or children cause injuries or property damage to others
  • If you accidentally injure someone while away from home, such as while playing a friendly game of basketball at J.L. King Senior Memorial Park.
  • If you are accused of libel or slander

Talk to your insurance agent to learn more about the many ways that the liability coverage included in your Starkville home insurance policy can protect you. If you want even more liability coverage than your policy will allow, your agent can also help you secure an affordable umbrella insurance policy. This is an affordable way to boost all of your liability coverage.

What Is the Burglary Rate in Starkville?

The burglary rate in Mississippi is higher than the national average. In Starkville, the risk is lower than the state average, but still well above the national rate. There are about 300 burglaries reported in this city every year.

  • Number of burglaries per 1,000 homes in the US: 2.28
  • Number of burglaries per 1,000 homes in Mississippi: 2.34
  • Number of burglaries per 1,000 homes in Starkville: 6.84

If your Starkville home is burglarized, the first thing you should do is ensure that you and your family are safe, and then call the authorities. You will need a copy of the police report when you file a claim with your homeowners insurance company.

Your home insurance can provide you with compensation for your losses as well as for the cost of repairing any damage the burglars may have done to your home. If needed, your local insurance agent can offer advice and support throughout the claims process.

While nothing is 100% foolproof against a determined criminal, a home security system can limit the time a burglar spends in your house and therefore reduce the extent of your losses. That is why many insurance companies offer discounts to policyholders who have burglar alarms installed in their homes.

Talk to your local insurance agent to learn more about this and other discounts that may be available to you.

What about Insurance for Second Homes and Vacation Homes?

Maybe you own a vacation home by the Gulf. Or perhaps you own a second home that you rent out to students at Mississippi State University. Whatever your reasons for having them, if you own more than one residential property, there are additional factors to consider when insuring these homes.

Vacation homes that are left unoccupied for long periods often have a high risk of property damage due to hazards such as water leaks, pest infestations, and property crimes. When there is nobody in the house to notice them, these small problems can grow very expensive. Vacant home insurance may therefore be required when these houses are not in use.

Homes that are occupied by tenants have higher liability and property damage risks than homes that are primary residences. These houses also have lower contents coverage needs for the homeowner, since tenants have to secure their own property with renters insurance. Landlord insurance is designed to meet the unique coverage needs of lessors.

An independent insurance agent in Starkville can help you find the right home insurance policies to properly cover all of your residential properties.

Why Work with an Independent Insurance Agent in Starkville?

Independent insurance agents live and work in your community so they understand the risks you face as a homeowner in Starkville. These agents make it easy to find the best home coverage available because they don't work for a specific insurance company. This enables them to shop around to find the policy that offers the best value for your hard-earned money.

Find an insurance agent in or near Starkville to start comparing customized homeowners insurance quotes.

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