Paige Cerulli Last Updated On: October 17, 2023

How to Find the Best Homeowners Insurance in Mississippi

Your home is a major investment, and a quality home insurance policy can help you to protect that investment. But shopping for home insurance can be tricky, especially if you’ve just bought your first home and are shopping for insurance for the first time.

We’ve outlined some of the must-know information that will help you to find the best home insurance in Mississippi for your coverage needs and your budget.

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Table of Contents

The Average Cost of Home Insurance in Mississippi

The average cost of home insurance in Mississippi is $1,900 per year for $250,000 of dwelling coverage. That rate is nearly $500 more than the national average home insurance rate of $1,428. Mississippi’s high home insurance rates may be because of the fact that the state is affected by many tornadoes, as well as tropical storms and hurricanes, meaning insurance companies have to pay for costly claims and significant damage.

That statewide average insurance cost can also vary depending on your location within the state. Cities that have higher crime rates or are at an increased risk of serious natural disasters have higher average insurance rates. In contrast, cities with lower risk factors have lower average rates.

Mississippi City

Average Cost of Home Insurance Per Year

Little Rock




Mc Lain







Other factors, like your home’s age and condition, as well as your proximity to a fire station, will also impact your home insurance rates. Since rates can vary so much, you’ll get the most accurate idea of your costs by getting a personalized quote. You can get free home insurance quotes in Mississippi from ConsumerCoverage today to start comparing your options and rates.

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Coverage Options for Homeowners Insurance in Mississippi

As you shop for home insurance in Mississippi, it’s important to understand what’s included in your quote. Most standard base home insurance policies will include these coverage types:
  • Dwelling coverage applies to your home’s structural elements, like the roof, walls, and porch.
  • Other structures coverage applies to detached structures that are on your property, like a shed or barn.
  • Personal property coverage helps to protect the belongings inside your home, like your personal furniture or electronics.
  • Personal liability coverage helps to protect you from expenses, like lawyer fees and lawsuits, that you might face if another person is hurt while on your property.
  • Medical payments coverage helps to pay for any medical expenses that might result if another person is injured while on your property.
  • Loss of use coverage helps to pay for expenses you might face if you can’t live in your home while it’s being repaired. Expenses might include a rental property or hotel room.
These base coverages are a good starting point, but if you want more complete coverage, you might want to add on some optional policies:
  • Flood insurance: Base insurance policies usually don’t include flood insurance. If you live in a flood zone or are near a body of water, you may want to invest in flood insurance to make sure that your home is fully protected.
  • Valuable items coverage: While your personal property coverage protects your possessions up to a certain limit, that limit may be too low to replace more expensive items, like jewelry or artwork. Purchasing valuable items coverage increases that limit, so even your more expensive items are protected.

How to Save on Home Insurance in Mississippi

When you shop for home insurance in Mississippi, look for discounts that can help you to save money. Many insurance providers offer a discount when you insure your home and vehicle through the same company. You may also be able to keep your premiums down by choosing a high deductible plan. If you go this route, make sure that you’re prepared to pay that higher deductible if you ever have to file a claim.

You may also be able to save money by shopping around and comparing quotes to find the best price. To get started, request a free homeowners insurance quote from ConsumerCoverage and start comparing your rates and coverage options.

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