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Covington County, MS Homeowners Insurance Quotes

Are you looking for a quick comparison of Covington County, MS homeowners insurance quotes to review and compare the best rates today? We can provide up to 12 or more competitive home insurance rates with different coverage options from a basic HO-3 standard homeowner policy to a bundle / packaged discount policy that would include your home and auto grouped together. A basic policy for homeowners living in Covington County includes protection against most major perils. If you are in need of earthquake or flood insurance, then we can help you find additional coverage. As you may know, a flood policy is separate from a standard HO-3 policy.

Affordable Covington County Rates

Homeowners living in Covington County, pay on average around $1674 per year or $139.50 a month for home insurance. Let us help you shop multiple coverage options and provide up to 40% off in discount savings for your home in Covington County. Online rate quotes can be easily reviewed by entering your zip code of the property you would like to insure or give us a call now at 1-855-976-2656

For all Covington County, MS residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Covington County? Simply enter your zip code to get your Mississippi homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Covington County, MS Housing Demographics

With 19,568 residents living within the Covington County area there are over 8,496 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 5,222 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Covington County.

DemographicValues
Total Occupied Households7,430
Family Households (families)5,222
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units8,496

Covington County, MS Home Insurance Average Premiums

Local Covington, MS homeowners insurance quotes comparison

$1,309 /yr.

Mississippi's Average Home Insurance Rates Overall

For the state of Mississippi, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 6 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$907 /yr.
Current Average Cost:$1,309 /yr.
Maximum Range:$1674 /yr.

Mississippi Homeowners Insurance News & Information

  • Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025

    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

Discounts For Homeowners in Covington County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Mississippi homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Covington County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Covington County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Covington County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Covington County Housing & Real Estate Data

Details:Statistics
Total Housing Units8496
Occupied Housing Units7430
Vacant Housing Units1066
Vacant Housing Units for Rent90
Vacant Housing Units Rented Not Occupied5
Vacant Housing Units For Sale48
Vacant Housing Units Sold Not Occupied13
Vacant Housing Units For Seasonal Occasional Use183
Vacant Housing Units All Other Vacants727
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units7430
Housing Tenure Occupied Units Owner Occupied6143
Housing Tenure Occupied Units Owner Occupied Population16082
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied1287
Housing Tenure Occupied Units Renter Occupied Population3246
Housing Tenure Occupied Units Renter Occupied Average Household Size3