- Mississippi Homeowners Insurance
- Does Mississippi require homeowners insurance?
- Mississippi Homeowners Insurance: Discounts Available
- Mississippi Homeowners Insurance: Who Has The Lowest Price?
- Which Companies Offer Homeowners?
- Mississippi Homeowners Insurance: Best Rates by Company
- Mississippi Homeowners Insurance: Bundling Options
- Mississippi Homeowners Insurance: Average Cost by City
- Mississippi Homeowners Insurance: Rates by Company
- Most common Causes for Homeowners Loss and Claims (Nationwide)
- Mississippi Homeowners Insurance: Cheapest Rates by City
- Mississippi Homeowners Insurance: Best Rates by Company
- Mississippi Homeowners Insurance: Frequently Asked Questions
- What does Mississippi Homeowners Insurance typically cover?
- How can I save money on my Mississippi Homeowners Insurance?
- How do I file a claim for Mississippi Homeowners Insurance?
- Mississippi Homeowners Insurance: Ready to Bundle with Another Product?
- What We Do at A Plus Insurance
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 Carrier | Average 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.
| Company | Rank |
|---|---|
| Farmers Insurance | 1 |
| Allstate Corp. | 2 |
| Progressive | 3 |
| USAA | 4 |
| MetLife Inc. | 5 |
| American International | 6 |
| Travelers | 7 |
| American Family | 8 |
| Nationwide | 9 |
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.
| Company | Homeowners Offered |
|---|---|
| American Family | yes |
| Liberty Mutual | yes |
| Nationwide | yes |
| Chubb | yes |
| Hartford | yes |
| MetLife Inc. | yes |
| Progressive | yes |
| Auto-Owners | yes |
| Travelers | yes |
| USAA | yes |
| Farmers Insurance | yes |
| Allstate Corp. | yes |
| State Farm | yes |
| American International | yes |
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.
| Company | AM Best |
|---|---|
| Travelers | A++ |
| Liberty Mutual | A |
| American International | A- |
| MetLife | A- |
| Farmers Insurance | A |
| Progressive | A+ |
| State Farm | A++ |
| Hartford Financial | A+ |
| Allstate | A+ |
| Chubb | A |
| USAA | A++ |
| American Family | A |
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.
| City | Price |
|---|---|
| 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 |
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.
| Company | Homeowners ($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.
| City | Price |
|---|---|
| Louisville | Allstate |
| Tupelo | Farmers |
| Waveland | Progressive |
| Pascagoula | Liberty Mutual |
| Pass Christian | Chub |
| McComb | State Farm |
| St. Martin | USAA |
| West Hattiesburg | Travelers |
| Clarksdale | Amica |
| Crystal Springs | American Family |
| Senatobia | Farmers |
| D’Iberville | Liberty Mutual |
| Oxford | Progressive |
| New Albany | State Farm |
| Gulfport | American Family |
| Madison | Travelers |
| Waynesboro | Farmers |
| Byram | Travelers |
| Laurel | Progressive (ASI) |
| Grenada | Chub |
| Moss Point | USAA |
| Philadelphia | Allstate |
| Long Beach | Farmers |
| Gulf Park Estates | Farmers |
| Greenville | Travelers |
| Picayune | USAA |
| Pontotoc | Farmers |
| Indianola | Allstate |
| Olive Branch | Farmers |
| Wiggins | Progressive |
| Cleveland | Amica |
| Southaven | Farmers |
| Amory | Farmers |
| Pearl | Progressive (ASI) |
| West Point | Amica |
| Horn Lake | NationWide |
| Starkville | Allstate |
| Holly Springs | USAA |
| Diamondhead | Liberty Mutual |
| Columbia | Farmers |
| Yazoo City | Progressive |
| Vicksburg | USAA |
| Natchez | Allstate |
| Bay St. Louis | Travelers |
| Ellisville | Travelers |
| Aberdeen | American Family |
| Forest | NationWide |
| Corinth | Farmers |
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.
| Company | AM Best |
|---|---|
| Travelers | A++ |
| Liberty Mutual | A |
| American International | A- |
| MetLife | A- |
| Farmers Insurance | A |
| Progressive | A+ |
| State Farm | A++ |
| Hartford Financial | A+ |
| Allstate | A+ |
| Chubb | A |
| USAA | A++ |
| American Family | A |
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?
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
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For personalized assistance with Mississippi homeowners insurance, call us at 1.888.445.2793.
Last Updated on by Veronica Moss