Mississippi Tornado Insurance

Do You Need Mississippi Tornado Insurance?

Weather conditions in the Deep South reach a certain point each year, creating the perfect blend of hot and cool for a tornado to develop. Although research has come a long way, warning times are still only 2-3 minutes. At that point, the best thing you can do is protect yourself and anyone with you. Before the tornado strikes, make sure you have Mississippi tornado insurance to protect your belongings and your home.

Tornadoes are a common occurrence in MS, with nearly 30 per year on average. Since 1950, the state has experienced almost 2,000 total. Tornadoes create severe damage; are you properly protected? Contact an independent agent in the Trusted Choice® network to find the coverage that you need. Tornadoes occur year round, so the sooner you secure a comprehensive policy, the better.

Facts About An Infamous Mississippi Tornado

On February 10th, 2013, a severe tornado passed through Hattiesburg, destroying homes and businesses as well as part of the University of Mississippi campus. Tornadoes in urban areas can be extremely dangerous due to the increased chances of flying debris causing damage.

  • This was an E-4 tornado. The strongest tornado is an E-5. 
  • Maximum wind speed was 170 mph.
  • It was on the ground for 33 minutes, traveling 21 miles and leaving a path of destruction ¾ mile wide.
  • Fortunately, there were 0 casualties, but 82 people were injured.
  • 184 homes were completely destroyed.
  • 377 homes had major damage.

How Much Mississippi Tornado Insurance is Enough?

You don’t need to purchase a separate policy to have enough coverage. Your standard homeowners insurance plan will cover wind damage, but it’s essential to review the coverage limits that you have in place. Is your home insured at replacement value or actual cash value?

Actual cash value is more affordable, making it initially attractive, but if your home is completely destroyed, it could leave you with high out-of-pocket costs. Replacement value insures your home with enough coverage to handle market inflation and labor costs of rebuilding if your home is leveled. It can be more expensive, but is worth the extra cost.

Covering Personal Belongings with MS Tornado Insurance

Part of rebuilding your life after a tornado requires the purchase of new possessions. Mississippi tornado insurance can help with this aspect of recovery as well, but like home coverage, choosing the right coverage limit is important.

It might be a good idea to use the 200% method to cover your personal possessions. Take an inventory of each room and total up the value, then double it. This number is going to be a safe limit for complete coverage in most cases. Consider scheduling your valuables, which is a process that allows you to set individual coverage limits for certain items and also eliminates typical exclusions.

Protecting Your Car

Mississippi law requires a minimum amount of liability insurance on your car, but that only covers personal injuries and property damages for other people if you cause an accident. If a tornado damages your car, liability-only insurance won't reimburse you for repairs or the purchase of a new vehicle.

Comprehensive coverage will cover any weather related damage, but just make sure that your car has the right coverage limit. If you aren’t sure how much you should purchase, contact an independent agent in the Trusted Choice network.

Finding a Trusted Choice Member Agent

The Trusted Choice network includes 22,000 member agencies in over 27,000 locations throughout the nation. Finding an independent agent in your local area is easy. When you work with an independent agent, you'll receive access to multiple Mississippi tornado insurance quotes, allowing you to find comprehensive coverage at an affordable rate. To find Mississippi tornado insurance, contact an independent agent today.

Make Insurance Work For You.