Mississippi Homeowners Insurance: Finding the best Insurance Rates
Mississippi Homeowners Insurance
Mississippi also known as the Magnolia State, has long hot summers with short, cold winters. Make sure your home is covered with proper insurance. Don’t Let Another Year go by with overpaying your insurance rates…Let A Plus Insurance find you a better deal!
- Mississippi Homeowners Insurance
- Mississippi Homeowners Insurance: Discounts available
- Mississippi Homeowners Insurance: Who has the Lowest price?
- Mississippi Homeowners Insurance: 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: Insurance rates by company
- Mississippi Homeowners Insurance: 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
- Mississippi Homeowners Insurance: Need Your Home Insured In Another State?
- Mississippi Homeowners Insurance: Ready to Bundle with Another Product?
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 comunity |
| 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 |
Mississippi Homeowners Insurance: 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 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: 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 |
Mississippi Homeowners Insurance: 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 zipcode 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 information do I need to provide for a Mississippi homeowners quote?
This will start with Your name, Address of the home, how much coverage you were needing on the home, if you have any dogs, when was the last time the roof was repaired or replaced, if the home is a new purchase or old.
How much does it cost to get Mississippi homeowners insurance?
Prices will vary between coverages, where the home is located and the company you choose to go with. Average cost will be $1,442 for the year.
Are there Mississippi Homeowners Insurance laws?
Homeowners insurance is not required by law in the state of mississipi. However, it is good to have insurance on your home in case of any natural disasters. Should protect your assets, especially if you own your home.
Mississippi Homeowners Insurance: Need Your Home Insured In Another State?
Mississippi Homeowners Insurance: Ready to Bundle with Another Product?
Last Updated on by Alexis Karapiperis