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Mississippi Homeowners Insurance Quotes
Mississippi has an above average homeowners insurance premiums then the other states, the state is usually ranked in the top 10 for highest home insurance cost in the country. And has ranked on average 5.7 in the country for the past 10 years. That's why shopping for insurance online makes finding affordable coverage easier for homeowners living in the "The Magnolia State". You can compare coverage and cost per carrier to help you narrow down the process on which policy works best for protecting your most valuable investment.
One of the reasons the premiums for Mississippi are higher is because of the lower elevation areas near Gulfport that are on the Gulf Coast which increases the risk of floods and hurricane or wind damage. As a homeowner, it's very important to know that a home insurance policy and a flood insurance policy are separate, the flood insurance policy is not part of a standard homeowners insurance policy so it's important that you speak with your home insurance agent about flood insurance coverage if you are in a flood zone area. Parts of Mississippi with higher elevations will have a reduced premium because the risk factor is lower. Other ways you may be able to save 10% to 25% on your homeowners insurance policy is to install a security alarm in your home.
Average Homeowners Insurance Premiums in Mississippi
With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Mississippi homeowners are paying on average. Did you know that the average homeowners insurance premium in Mississippi is $1674? Mississippi is now ranked 6 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Mississippi is 27.69% more than the national average.
Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
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2020 | $1674 (3.2%) | $ 140 | 6 |
2019 | $1622 (2.8%) | $ 135 | 6 |
2018 | $1578 (2.63%) | $ 132 | 8 |
2017 | $1537 (0.78%) | $ 128 | 7 |
2016 | $1525 (1.12%) | $ 127 | 6 |
When we combine the state averages over the last decade, the Mississippi overall average is estimated to be around $1,483.60. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Mississippi current state rank compare to the rest of the country is #6. Consider shopping your Mississippi home insurance with us so we can help you save up to 40% or more on your policy.
Find Local MS Homeowners Insurance Quotes & Coverage
For more information on homeowners insurance in your area, choose a county below:
- Adams
- Alcorn
- Amite
- Attala
- Benton
- Bolivar
- Calhoun
- Carroll
- Chickasaw
- Choctaw
- Claiborne
- Clarke
- Clay
- Coahoma
- Copiah
- Covington
- Desoto
- Forrest
- Franklin
- George
- Greene
- Grenada
- Hancock
- Harrison
- Hinds
- Holmes
- Humphreys
- Issaquena
- Itawamba
- Jackson
- Jasper
- Jefferson
- Jefferson Davis
- Jones
- Kemper
- Lafayette
- Lamar
- Lauderdale
- Lawrence
- Leake
- Lee
- Leflore
- Lincoln
- Lowndes
- Madison
- Marion
- Marshall
- Monroe
- Montgomery
- Neshoba
- Newton
- Noxubee
- Oktibbeha
- Panola
- Pearl River
- Perry
- Pike
- Pontotoc
- Prentiss
- Quitman
- Rankin
- Scott
- Sharkey
- Simpson
- Smith
- Stone
- Sunflower
- Tallahatchie
- Tate
- Tippah
- Tishomingo
- Tunica
- Union
- Walthall
- Warren
- Washington
- Wayne
- Webster
- Wilkinson
- Winston
- Yalobusha
- Yazoo
Mississippi Homeowners Insurance News & Information
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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 […]
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Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025
Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase? The increasing frequency of […]
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How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025
Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]
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New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025
According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market. Recently, the Office of Insurance Regulation […]
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Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025
According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]
Mississippi Housing & Real Estate Data
Details: | Staticstics |
---|---|
Total Housing Units | 1274719 |
Occupied Housing Units | 1115768 |
Vacant Housing Units | 158951 |
Vacant Housing Units for Rent | 44735 |
Vacant Housing Units Rented Not Occupied | 1920 |
Vacant Housing Units For Sale | 16886 |
Vacant Housing Units Sold Not Occupied | 4915 |
Vacant Housing Units For Seasonal Occasional Use | 28867 |
Vacant Housing Units All Other Vacants | 61628 |
Housing Units Homeowner Vacancy Rate Percent | 2.1 |
Housing Units Rental Vacancy Rate Percent | 11.6 |
Housing Tenure Occupied Units | 1115768 |
Housing Tenure Occupied Units Owner Occupied | 777073 |
Housing Tenure Occupied Units Owner Occupied Population | 2017902 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.6 |
Housing Tenure Occupied Units Renter Occupied | 338695 |
Housing Tenure Occupied Units Renter Occupied Population | 857431 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.53 |
Understanding Mississippi Homeowners Insurance
When shopping for Mississippi homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:
- HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
- H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
- HO-4: If you are looking for Mississippi renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.
While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.
If you are shopping for a new home in Mississippi, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Mississippi rates and coverage options.