Mississippi Home Insurance Quotes
Finding competitive, low cost Home Insurance quotes in Mississippi just got a whole lot easier. At HomeInsurance.com, you can fill out one form and get multiple quotes. Get a new, low rate on comprehensive Mississippi home insurance coverage. Rest assured knowing our team of Mississippi licensed insurance consultants are standing by to give you top notch advice to coverages and rates in your area.
Our team of licensed agents will shop for your Mississippi home insurance policy and help you get the best rate on the most comprehensive coverage. You'll get access to bundle discounts and apples-to-apples comparisons for multiple MS insurance providers.
Home insurance rates in Mississippi
Homeowners in Mississippi are paying around $961.00 for home insurance as of October of 2013. Rates have decreased since September when Mississippi homeowners insurance premiums were approximately $972.00. The rate of $961/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.
Average Premiums for Home Insurance In Mississippi
|Oct 2013||Sep 2013||Aug 2013||Jul 2013||Jun 2013|
Homeowners insurance discounts are one of the best ways to get a low insurance rate while also maintaining great coverage. Though average home insurance rates in Mississippi decreased it is important to qualify for all the discounts you can to make sure you aren't overpaying. Bundling your home and auto insurance with one insurance provider can get you savings between 15 and 25 percent. Likewise, you may qualify for additional savings if you haven't filed any claims in the past, or if you've got additional home protection (fire and burglar alarms) for your Mississippi home.
Enter your ZIP code in one of the forms above or call 1-877-295-3422 now to start getting Mississippi home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your MS policy. They'll also get every available discount they can for you. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
Insurance Rates by County
Do homeowners in your area pay more for home insurance than the state average? Use the chart below to see how average insurance premiums in your county stack up against the average rates in your state.
See what your neighbors in Mississippi are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Mississippi by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,074†||$1,713†||$1,122†||$761†||$891|
|Carrier||Liberty Mutual||Liberty Mutual||Liberty Mutual||Liberty Mutual||Liberty Mutual|
|Foundation type||Slab||Slab||Crawl Space||Crawl Space||Slab|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Gas||Central Electric||Central Electric|
Standard Mississippi Home Insurance Coverages
Dwelling: A standard Mississippi homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Mississippi home insurance policy
Contents/Personal Property: A Mississippi home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.
Loss of Use: If your Mississippi home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.
Personal Liability Protection: In Mississippi, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.
Medical Payments: Medical Payments coverage, or Mississippi MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.
Mississippi Homeowners Insurance News
Engineers reinforcing levees as flood season approachesMonday, April 09, 2012
Mississippi House passes bill requiring some insurance discountsWednesday, March 14, 2012
2011 flood damage could increase risks for 2012Tuesday, January 31, 2012
Economic effects of Missouri storms severe Wednesday, June 15, 2011
Officials say spring storms made them more prepared for hurricanes Monday, June 06, 2011
Other Mississippi Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Mississippi home insurance policy? Quiz yourself!
- Homeowners Insurance Calculator- How much Dwelling Coverage do you need? Get average dwelling costs in Mississippi.
- Mississippi Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Mississippi city:
Customer Reviews in Mississippi
For additional information about specific insurance laws in Mississippi, visit the Mississippi Insurance Department website.