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Grace Kim has two years of experience in writing for finance and insurance domains such as The Cheapest Car Insurance Companies in New Jersey at Bankrate and Reviews.com. She has written about auto, homeowners, renters and life insurance. She has spent most of her professional experience writing about finance and tech topics. Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Updated Nov 07, 2022 Find your perfect provider
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Collapse Caret Up Homeowners insurance is not cheap in Mississippi. It is more expensive than the national average of $1,312 per year. Mississippians pay higher rates due to the high cost of losses incurred by insurance providers, which totaled more than in 2020 for all types of insurance. Collapse On This Page
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Homeowners insurance is not cheap in Mississippi. According to Bankrate's 2021 study of quoted annual premiums, the is $1,773 per year in Mississippi for $250,000 dwelling coverage. It is more expensive than the national average of $1,312 per year. Mississippians pay higher rates due to the high cost of losses incurred by insurance providers, which totaled more than in 2020 for all types of insurance. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Homeowners insurance is not cheap in Mississippi. According to Bankrate's 2021 study of quoted annual premiums, the is $1,773 per year in Mississippi for $250,000 dwelling coverage. It is more expensive than the national average of $1,312 per year. Mississippians pay higher rates due to the high cost of losses incurred by insurance providers, which totaled more than in 2020 for all types of insurance. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Homeowners insurance is not cheap in Mississippi. According to Bankrate's 2021 study of quoted annual premiums, the is $1,773 per year in Mississippi for $250,000 dwelling coverage. It is more expensive than the national average of $1,312 per year. Mississippians pay higher rates due to the high cost of losses incurred by insurance providers, which totaled more than in 2020 for all types of insurance. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Best home insurance companies in Mississippi
To choose the best Mississippi home insurance companies, we used & Associates for customer satisfaction scores, 2022 rate data from Quadrant Information Services and our knowledge of coverage options and discounts from the various providers. Home insurance company Average annual premium for $250k dwelling J.D. Power score $2,177 829/1,000 $659 808/1000 $1,444 803/1000 $2,079 829/1,000 $1,178 889/1,000 *USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Allstate ranks sixth in J.D. Power's 2020 U.S. Home Insurance Study with a 829/1000 rating. We particularly like . Eligible policyholders may earn up to a 25% discount when they and up to 20% off if they switch to Allstate after remaining claims-free with another provider. Allstate offers a wide range of insurance products, including auto, business, condo, identity protection, landlord, life, motorcycle and renters coverages, along with investment products and retirement plans. Learn more: Nationwide
Nationwide makes a robust offering for home insurance. You can choose from available ordinance or law insurance, as well as coverage for other structures, loss of use and credit cards. Nationwide also has two signature programs, which includes Brand New Belongings coverage that replaces damaged or stolen personal items and Better Roof Replacement, which uses safer materials if you need to rebuild or repair your roof. Policyholders also have the option to add on extra types of coverage, like identity theft coverage, insurance for valuables and flood insurance. Learn more: Travelers
Travelers offers a whole host of home insurance protections, like insurance for other structures and loss of use coverage. There is also optional special personal property coverage, contents replacement cost, insurance for valuables and water backup and sump pump overflow coverage. Travelers also offers the option for $25,000 worth of identity fraud expense reimbursement coverage. Learn more: State Farm
In J.D. Power's study, State Farm ranks seventh in the nation. The insurer also offers homeowners a few on their premiums, including a possible discount for installing impact-resistant roofing. Besides home insurance, State Farm sells condominium, farm and ranch, manufactured home, rental property and renters insurance, along with term, universal and whole life insurance. The provider also offers banking services, including auto and boat loans, , home mortgages, money market savings accounts and rewards credit cards. Learn more: USAA
consistently received high ratings in J.D. Power's study. While it earned the top score, USAA does not qualify for ranking in the study because it only offers products to . USAA offers replacement cost dwelling and personal property coverages at no additional charge. USAA also provides earthquake coverage in its standard policy. USAA offers its members one-stop shopping for insurance, including auto, condo, flood, landlord, motorcycle, renters and small business policies. The company also offers checking and savings accounts, investment products, home mortgages, retirement plans and VA loans. Learn more: How much is homeowners insurance in Mississippi
Mississippi is significantly cheaper than neighboring states with an of $1,773 each year for home insurance. Other states are much more expensive, with and both hovering between $1,800 and $2,200 per year for $250,000 in dwelling coverage. Mississippi homeowners pay higher than average home insurance rates due to the frequency and severity of storms. Home insurance in Mississippi
Every state has unique factors that may determine certain elements that homeowners are more likely to consider when they purchase insurance. Common causes of loss in Mississippi
Homeowners in Mississippi are subject to several threats: Tornadoes: in the nation for tornadoes. In 2018, 68 tornadoes touched down in the Magnolia State. Unfortunately, frequently plague Mississippi, leaving piles of rubble in their wake and increasing the financial risk insurers must shoulder. Hurricanes: Mississippi’s Gulf Coast also faces the threat of . In 2017, Hurricane Harvey pummeled the Gulf coast causing an estimated in property damages in six states. Mississippi was one of those states. Tropical storms: These storms are similar to hurricanes but a bit more mild. Still, they can bring strong winds and even flooding to your home. An agent can help ensure you have enough coverage based on your address. Home insurance coverage options in Mississippi
Most Mississippi homeowners insurance companies offer optional extra coverages that some homeowners find valuable. These add-ons help fill in the gaps that standard policies do not cover. Business property coverage: If you have a home office, there may be an additional consideration for your policy. The limits of the standard home insurance policy might not offer enough protection. That is where business property coverage can help provide insurance for expensive items such as computers. : Standard policies do not cover flood damage. Some providers offer this coverage directly as an additional endorsement. Otherwise, you can purchase a policy through the . : Fraudulent credit card use and identity theft are rampant. Insurers offer various levels of identity theft coverage. Some policies only help pay expenses related to restoring your identity, while others offer credit monitoring. : Most standard home insurance policies pay actual cash value for totaled homes and personal property. However, if you purchase optional replacement cost coverage, you can file a claim for the non-depreciated cost of repairing or rebuilding your home, or replacing personal belongings, subject to your policy’s deductible and limits. : Standard policies limit the amount of a claim for certain types of personal property, like fine art, firearms and jewelry. So, if you own an expensive wedding ring, the average policy may not be enough. You might consider adding valuable items coverage to protect it. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Frequently asked questions
The in Mississippi is relative to your needs. Many homeowners need a simple, standard policy, while other homeowners have more complex insurance needs. When shopping for home insurance, pay close attention to the details such as liability and personal property limits. If a standard package does not meet your needs, find another insurer or consider adding optional coverages.
Most service Mississippi, and many offer online quotes on their websites. Whether you shop online or visit local insurance agencies, get quotes from several insurers before deciding on a home insurance policy.
On average, Mississippi home insurance rates are 45 percent higher than the national average. Mississippians pay higher homeowners insurance rates due to the frequency and severity of storms.
No. State law does not require you to purchase home insurance, but if you take out a mortgage to buy a home, the lender will likely require it. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Written by Grace Kim Insurance Contributor Grace Kim has two years of experience in writing for finance and insurance domains such as The Cheapest Car Insurance Companies in New Jersey at Bankrate and Reviews.com. She has written about auto, homeowners, renters and life insurance. She has spent most of her professional experience writing about finance and tech topics. Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers.