Mississippi Homeowners Insurance

Discover how A Plus Insurance can simplify homeowners insurance in Mississippi. Contact us for a free quote and experience unparalleled policy service today.

Does Mississippi require homeowners insurance?

When considering the protection of your home and peace of mind in Mississippi, understanding Mississippi homeowners insurance policies is crucial. While the state itself does not mandate homeowners insurance by law, most mortgage lenders require it to secure a loan. This essential safeguard ensures that both you and your lender are protected against potential losses or damages to your property. Opting for homeowners insurance not only meets lender requirements but also provides you with a safety net against unforeseen events such as natural disasters, theft, or vandalism.

To guide you through your options, here’s a concise comparison chart reflecting average annual premiums for Mississippi homeowners insurance from leading carriers we work with. It’s important to note these are estimates and can vary based on numerous factors including the value of your home, location, and the coverage level chosen.

Insurance CarrierAverage Annual Premium
Progressive$1,200
National General$1,150
Assurance America$1,100
  • Progressive: Known for competitive rates and comprehensive coverage.
  • National General: Offers a range of customizable options for homeowners.
  • Assurance America: Provides affordable options with valuable protection.

Remember, selecting the right policy involves more than just comparing rates. It’s about finding comprehensive coverage that meets your specific needs, providing you peace of mind knowing your home is well-protected. Reach out to us for personalized guidance and quotes tailored to your situation.

Mississippi Homeowners Insurance: Discounts Available

Who doesn’t love to save money? There several ways you can save on your homeowners insurance. Ranging from purchasing a new home, to paying your insurance premium in full. Below are some other ways you can save on your home owners insurance premiums.

Discounts for Mississippi Homeowners Insurance
New Home Discount
Upgraded Plumbing
EFT
Upgraded Wiring
Claims Free
Upgraded Roof
Married Discount
Bundling Multiple Polices
Auto Water Shut Off or Leak Detection
Paid in Full
Gated Community
Non-Smoking Discount
Loyalty
Smoke Detector (Monitored)

Mississippi Homeowners Insurance: Who Has The Lowest Price?

Budgets are very important when factoring your expenses every month. Be sure that having cheap insurance may not give you all the coverage you are needing. Make sure to price out coverage vs expenses as well.

Let this chart below show you which companies offer the lowest prices on your homeowners insurance premium.

CompanyRank
Farmers Insurance1
Allstate Corp.2
Progressive3
USAA4
MetLife Inc.5
American International6
Travelers7
American Family8
Nationwide9

Which Companies Offer Homeowners?

While searching for insurance, make sure you take a look at a few companies. Several companies will have the same coverage but have very different prices in premiums.

Here is a list of companies who offer great coverage in homeowners insurance for Mississippi.

CompanyHomeowners Offered
American Familyyes
Liberty Mutualyes
Nationwideyes
Chubbyes
Hartfordyes
MetLife Inc.yes
Progressiveyes
Auto-Ownersyes
Travelersyes
USAAyes
Farmers Insuranceyes
Allstate Corp.yes
State Farmyes
American Internationalyes

Mississippi Homeowners Insurance: Best Rates by Company

We always strive for the best, so that’s what we deserve when it comes to covering our home. Having the right protection as well as great customer service should leave you feeling like your home is well protected.

Here are the best homeowners insurance companies ranked for Mississippi.

CompanyAM Best
TravelersA++
Liberty MutualA
American InternationalA-
MetLifeA-
Farmers InsuranceA
ProgressiveA+
State FarmA++
Hartford FinancialA+
AllstateA+
ChubbA
USAAA++
American FamilyA

Mississippi Homeowners Insurance: Bundling Options

Who doesn’t like to save money? Here are some ways you can get lower Mississippi homeowners insurance premiums by bundling coverage for your other items such as Auto, Motorcycle and even and Umbrella policy. Besides saving money this will help you keep all of your insurance policies in one place.

Below are some items we can bundle together for you.

Mississippi Homeowners Insurance Bundle Products
Motorcycle
Business
Life
ATV
RV
Auto
Health
Umbrella
Boat

Mississippi Homeowners Insurance: Average Cost by City

Curious to know the average cost for the city your home is in? Every city has their own rating factors.

Below you will find the average cost for homeowners insurance.

CityPrice
Kosciusko$1,204.00
Senatobia$1,350.00
Waynesboro$1,286.00
McComb$1,345.00
Aberdeen$1,121.00
Clinton$1,156.00
Ridgeland$1,120.00
Philadelphia$1,300.00
Canton$1,386.00
New Albany$1,140.00
Madison$1,414.00
West Hattiesburg$1,172.00
Waveland$1,148.00
Ocean Springs$1,256.00
Olive Branch$1,401.00
Carthage$1,300.00
Yazoo City$1,164.00
Hattiesburg$1,163.00
Batesville$1,127.00
Booneville$1,331.00
Vancleave$1,344.00
Forest$1,411.00
Columbia$1,328.00
Crystal Springs$1,369.00
Gulf Park Estates$1,118.00
Holly Springs$1,202.00
Southaven$1,411.00
Ellisville$1,396.00
Columbus$1,277.00
Louisville$1,200.00
Byram$1,205.00
Gautier$1,162.00
St. Martin$1,268.00
Long Beach$1,415.00
Gulfport$1,213.00
D’Iberville$1,211.00
Latimer$1,375.00
Corinth$1,129.00
Pascagoula$1,390.00
Horn Lake$1,363.00
Grenada$1,256.00
Jackson$1,299.00
Petal$1,257.00
Pontotoc$1,243.00
Clarksdale$1,189.00
Brookhaven$1,125.00
Pass Christian$1,364.00
Tupelo$1,421.00
Biloxi$1,186.00
Cleveland$1,260.00
Moss Point$1,211.00
Starkville$1,108.00
Greenville$1,214.00
Indianola$1,171.00
Wiggins$1,420.00
Natchez$1,306.00
Amory$1,322.00
Florence$1,409.00
Diamondhead$1,389.00
Picayune$1,313.00
Pearl$1,276.00
West Point$1,191.00
Oxford$1,117.00
Saltillo$1,184.00
Bay St. Louis$1,201.00
Vicksburg$1,325.00
Laurel$1,227.00
Flowood$1,277.00
Meridian$1,169.00
Hernando$1,188.00

Criteria for Determining Eligibility for Home and Auto Insurance Discounts

  • Good Credit Score
    A good credit score is one of the top criteria for determining eligibility for insurance discounts. Insurers often provide lower rates to individuals with strong credit histories, as it indicates responsible financial behavior.
    Key Benefit: Eligible for up to 20% in premium discounts.
    Call us at 1.888.445.2793 to check if your credit score qualifies you for discounts. Text Us
  • Safe Driving Record
    Maintaining a clean driving record is crucial for unlocking auto insurance discounts. Drivers with no accidents or violations in the last three to five years often qualify for reduced rates.
    Key Benefit: Potential savings of up to 30% for safe drivers.
    Call us at 1.888.445.2793 to see how much you could save. Text Us
  • Claims-Free History
    If you have not filed any claims in recent years, you may be eligible for claims-free discounts on both home and auto insurance. Insurers reward customers who have a low risk of filing claims.
    Key Benefit: Save up to 15% on premiums.
    Call us at 1.888.445.2793 to find out if your claims-free status qualifies you for discounts. Text Us
  • Home Safety Features
    Installing safety features such as smoke detectors, burglar alarms, and fire sprinklers can help lower your home insurance premiums. These features reduce the risk for insurers, which translates into discounts for homeowners.
    Key Benefit: Discounts of up to 10% for home safety improvements.
    Call us at 1.888.445.2793 to discuss which safety features qualify. Text Us

Mississippi Homeowners Insurance: Rates by Company

Here are some rates you could expect when shopping for homeowners insurance in Mississippi. These are averages for a $250,000 home. Each company can vary between coverages or additional coverages added into the premium.

CompanyHomeowners ($250,000)
Chubb$1,340
Erie Insurance$1,405
Progressive$1,480
Auto-Owners Insurance$1,307
Allstate$1,442
American International$1,321
Hartford Financial Services$1,269
Nationwide Mutual$1,499
USAA$1,463
Farmers Insurance Group$1,468
State Farm$1,386
American Family Insurance$1,508
Travelers Companies Inc.$1,517
Liberty Mutual$1,348

Most common Causes for Homeowners Loss and Claims (Nationwide)

The purpose of insurance is to make sure you are covered for the unknown disaster. Especially being in Mississippi, the vast changes in the seasons can create natural causes to the home that may need insurance. This is why it is so important to get the right and complete coverage for your homeowners insurance.

Wind
Theft
Injuries
Hail
Vandalism
Water Damage
Other Weather related
Fire
Loss of Use
Lightning

Mississippi Homeowners Insurance: Cheapest Rates by City

Your location may depend on how much your home insurance will be. Most of the factors that impact the rates will be if your zip code has more natural disasters than others.

If you live in one of these cities below, here is the list of the cheapest companies that can provide you home owners insurance.

CityPrice
LouisvilleAllstate
TupeloFarmers
WavelandProgressive
PascagoulaLiberty Mutual
Pass ChristianChub
McCombState Farm
St. MartinUSAA
West HattiesburgTravelers
ClarksdaleAmica
Crystal SpringsAmerican Family
SenatobiaFarmers
D’IbervilleLiberty Mutual
OxfordProgressive
New AlbanyState Farm
GulfportAmerican Family
MadisonTravelers
WaynesboroFarmers
ByramTravelers
LaurelProgressive (ASI)
GrenadaChub
Moss PointUSAA
PhiladelphiaAllstate
Long BeachFarmers
Gulf Park EstatesFarmers
GreenvilleTravelers
PicayuneUSAA
PontotocFarmers
IndianolaAllstate
Olive BranchFarmers
WigginsProgressive
ClevelandAmica
SouthavenFarmers
AmoryFarmers
PearlProgressive (ASI)
West PointAmica
Horn LakeNationWide
StarkvilleAllstate
Holly SpringsUSAA
DiamondheadLiberty Mutual
ColumbiaFarmers
Yazoo CityProgressive
VicksburgUSAA
NatchezAllstate
Bay St. LouisTravelers
EllisvilleTravelers
AberdeenAmerican Family
ForestNationWide
CorinthFarmers

Mississippi Homeowners Insurance: Best Rates by Company

Your home is so important to you! As it should be because you’ve worked so hard for it. So make sure you acquire one of these great companies to cover your home in the event something happens. Besides coverage you also pay for the customer service your receive especially when you are dealing with a loss.

CompanyAM Best
TravelersA++
Liberty MutualA
American InternationalA-
MetLifeA-
Farmers InsuranceA
ProgressiveA+
State FarmA++
Hartford FinancialA+
AllstateA+
ChubbA
USAAA++
American FamilyA

Mississippi Homeowners Insurance: Frequently Asked Questions

What does Mississippi Homeowners Insurance typically cover?

Mississippi Homeowners Insurance usually covers the structure of your home, personal belongings, liability for injuries or property damage, and additional living expenses. For specific details, reach out to our experts.

How can I save money on my Mississippi Homeowners Insurance?

To potentially save on your Mississippi Homeowners Insurance, consider bundling with other policies, installing security features, and maintaining a good credit score. For personalized advice, contact our team.

How do I file a claim for Mississippi Homeowners Insurance?

To file a claim for Mississippi Homeowners Insurance, you can visit our online claims portal or call us at 1.888.445.2793. Our claims representatives are available to assist you.


Mississippi Homeowners Insurance: Ready to Bundle with Another Product?

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For personalized assistance with Mississippi homeowners insurance, call us at 1.888.445.2793.

Last Updated on by Marlon Moss

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