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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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 | $1,688 |
Sandhill | $1,693 |
Mc Lain | $2,140 |
Leakesville | $2,144 |
Diamondhead | $2,161 |
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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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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