Homeowners Insurance in Mississippi

Finding a homeowners insurance policy shouldn't be confusing. Compare rates by city and company below.

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How to find cheap homeowners insurance in Mississippi


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners insurance policy defends your dwelling, personal property, and other buildings against an array of calamities, including theft, fire, vandalism, or wind damage.

Unlike auto insurance, home insurance isn't priced based on state-level legislation. That said, major differences exist in home insurance rates on a state-by-state basis. Home insurance policy rates in a given state differ based on the number and total value of homeowners policy claims filed in the state, and depend on the value of the belongings and home insured on the policy.

The best way to find cheap home insurance in Mississippi is to compare rates and consider policies from multiple insurance companies. Learn more about how much home insurance costs in Mississippi via the below breakdown. Your rates may vary, depending on your coverage limits.


Mississippi home insurance:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Rates by deductible level
  5. How to bundle home and auto insurance
  6. FAQs

Home insurance rates in Mississippi by insurance company

Prices for home insurance in Mississippi differ based on the insurance company you select. Allstate offers the cheapest home insurance in Mississippi — $1,012 yearly. This compares favorably to Mississippi's average cost of $2,530, offering a $1,518 discount on average statewide homeowners insurance costs.

Begin your search for affordable coverage by viewing average rates from top Mississippi carriers, listed below.


THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN MISSISSIPPI
CompanyAverage 12-Month Rate in Mississippi
Allstate$1,012
Safeco$1,494
Travelers$1,614
Mississippi Farm Bureau$1,919
USAA$2,224

Mississippi homeowners insurance costs: by city

Not all Mississippi cities have the same home insurance rates. Home insurance prices can vary based on local variables such as the number of claims filed in the immediate area, meaning your specific ZIP code impact how much you pay.

The cheapest home insurance in Mississippi is found in Tupelo. A typical home insurance term in Tupelo totals just $2,178 per year — $352 less than the average policy in other Mississippi cities. The below table shows the best places to live in Mississippi if you’re looking for cheap homeowners insurance.


CHEAPEST HOME INSURANCE CITIES IN MISSISSIPPI
CityAverage Annual Home Insurance Rate
Tupelo$2,178
Horn Lake$2,179
Southaven$2,187
Olive Branch$2,192
Columbus$2,215

Average home insurance rates in Mississippi by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay . Homeowners in Mississippi who carry $100,000 of dwelling coverage pay an average of $1,018 per year, while those with dwelling coverage of $400,000 pay around $3,305 per year.


HOMEOWNERS INSURANCE RATES IN MISSISSIPPI — COMMON COVERAGE TIERS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$1,018
$200,000 Dwelling$1,727
$250,000 Dwelling$2,131
$400,000 Dwelling$3,305

Compare Homeowners Insurance Rates

Home insurance deductibles in Mississippi

Homeowners have numerous choices to make when buying a homeowners insurance policy, including how high or low to set their deductible. The deductible is the total amount that the insured contributes toward a covered loss. Where you set your deductible can be a major factor in the cost of your insurance coverage.

In short, a higher deductible translates to cheaper insurance premiums. Therefore, it might make sense to set a higher deductible if your are hoping to lock in lower home insurance premiums. Remember that your deductible should not be so high that you would struggle to pay it in the event of a loss.

Have a look at some of the normal deductibles offered by insurers and an estimate of average homeowners insurance costs.


HOME INSURANCE RATES BY DEDUCTIBLE TIER IN MISSISSIPPI
Deductible TierAverage Annual Home Insurance Rate
$500$2,271
$1,000$2,131
$1,500$2,071
$2,000$1,876
$5,000$1,629

How to bundle home and auto insurance in Mississippi

If you want to save on homeowners insurance, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance in Mississippi can save you a substantial sum each month on car insurance. Bundling home and auto policies in Mississippi leads to yearly savings of $142.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN MISSISSIPPI
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,510$1,368$14210%

You can save money on insurance by bundling your home and auto policies. Get started today!



Mississippi homeowners insurance FAQs


Does GEICO have homeowners insurance in Mississippi?

Yes - GEICO is an option for homeowners insurance if you own a home in Mississippi.

Does Progressive offer homeowners insurance in Mississippi?

Yes - if you own a home in Mississippi, Progressive is an option for insuring your home.





Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.