The MFP’s Community Home Insurance Survey uses Mississippi homeowners opinions and recommendations for home insurers, agents, and brokers. We display premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Mississippi Own Homeowners >>
- Mississippi Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in Mississippi
- Best Home Insurance Discounts in Mississippi
- How to Find the Best Cheap Home Insurance in Mississippi
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in Mississippi?
- Extra Coverage Options in Mississippi
- FAQ: Home Insurance in Mississippi
Mississippi Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Mississippi are Amica, Chubb, and USAA.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| Amica | 5 | 5 | 4 | 4 | 92% |
| State Farm | 4 | 4 | 3 | 3 | 85% |
| USAA | 5 | 5 | 4 | 4 | 90% |
| Allstate | 4 | 3 | 3 | 3 | 80% |
| Liberty Mutual | 3 | 3 | 4 | 4 | 78% |
| Nationwide | 4 | 3 | 3 | 3 | 82% |
| Chubb | 5 | 5 | 2 | 2 | 88% |
| Kin | 4 | 4 | 5 | 5 | 86% |
| Mississippi Farm Bureau | 3 | 4 | 3 | 3 | 84% |
| Travelers | 3 | 2 | 3 | 3 | 75% |
Mississippi average home insurance for a $1,000 deductible:
- Mississippi average premiums for a $300K Home is $3,384 (while it’s $1,568 nationally).
- Mississippi average premiums for a $400K Home is $4,268. It’s $2,088 nationally.
- Mississippi average premiums for a $600K Home is $6,248 (and it’s $2,906 nationally).
Best Insurance in Mississippi Cities
Jackson, Gulfport, Southaven, Hattiesburg, Biloxi, Olive Branch, Tupelo, Meridian, Greenville, Oxford
Recommendations are gathered from 2,993 local Mississippi members who got a quote(s), filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Mississippi Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Mississippi Best Mortgage Lenders from Community Recommendations
Mississippi Best Refinance Lenders from Community Recommendations
More Resources for Mississippi Homeowners.
Jackson Home Insurance Cost
Compare Jackson 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Jackson average annual cost for a $300K home with a $500 deductible is $3,885. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.7% in Jackson for a $300K home.
Jackson’s $600K home insurance cost is 10.8% higher than the Mississippi average of $6,900. The Jackson average annual cost for a $600K home with a $500 deductible is $7,642.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,147 | $1,038 | $995 | $967 | $909 |
| $200K Home | $2,156 | $1,952 | $1,870 | $1,818 | $1,710 |
| $300K Home | $3,885 | $3,517 | $3,370 | $3,275 | $3,081 |
| $400K Home | $5,205 | $4,712 | $4,515 | $4,388 | $4,128 |
| $600K Home | $7,642 | $6,918 | $6,629 | $6,442 | $6,060 |
Jackon Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Jackson’s area are Acceptance Insurance, Amica, and State Farm.
- Acceptance Insurance (89%): Homeowners appreciate the quick quotes and budget-friendly options.
- Amica (85%): Members highlight excellent customer service and comprehensive coverage options.
- State Farm (82%): Users value the local agent availability and claims handling process.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Acceptance Insurance | Broker | 4 | 4.5 | 4.5 | 4.5 | 89% |
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 85% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 82% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 81% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 80% |
| Nationwide | Agents | 4 | 4 | 3.5 | 3.5 | 78% |
| Chubb | Insurer | 5 | 4.5 | 3 | 3 | 77% |
| Liberty Mutual | Agents | 3.5 | 3.5 | 4 | 3.5 | 75% |
| Travelers | Agents | 4 | 3.5 | 3.5 | 3 | 72% |
| Mississippi Farm Bureau | Insurer | 4 | 4 | 3.5 | 4 | 80% |
See also:
Jackson Best Refinance Lenders
Jackson Best Home Loan Lenders
Gulfport Home Insurance Cost
Compare Gulfport 2026 annual home insurance cost across different home values and deductible
In Gulfport, the average annual insurance cost for a $300K home with a $500 deductible is $3,730. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.5% in Gulfport for a $300K home.
Gulfport’s $600K home insurance cost is 0.8% lower than the Mississippi average of $6,900. The Gulfport average annual cost for a $600K home with a $500 deductible is $6,847.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,159 | $1,047 | $1,006 | $980 | $923 |
| $200K Home | $2,172 | $1,962 | $1,885 | $1,836 | $1,730 |
| $300K Home | $3,730 | $3,369 | $3,237 | $3,152 | $2,971 |
| $400K Home | $4,672 | $4,220 | $4,055 | $3,948 | $3,721 |
| $600K Home | $6,847 | $6,184 | $5,942 | $5,786 | $5,453 |
Gulfport Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Gulfport’s area are Amica, USAA, and Allstate.
- Amica (87%): Members praise the claims handling and customer loyalty programs.
- USAA (85%): Homeowners value the military-focused benefits and affordable rates.
- Allstate (83%): Users appreciate the local agent network and hurricane coverage options.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 87% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 85% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 83% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 82% |
| Chubb | Insurer | 5 | 4.5 | 3 | 3 | 80% |
| Nationwide | Agents | 4 | 4 | 3.5 | 3.5 | 78% |
| Liberty Mutual | Agents | 3.5 | 3.5 | 4 | 3.5 | 76% |
| Travelers | Agents | 4 | 3.5 | 3.5 | 3 | 73% |
| Mississippi Farm Bureau | Insurer | 4 | 4 | 3.5 | 4 | 81% |
| Acceptance Insurance | Broker | 4 | 4.5 | 4.5 | 4.5 | 84% |
See also:
Gulfport Best Refinance Lenders
Gulfport Best Home Loan Lenders
Southaven Home Insurance Cost
Compare Southaven 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Southaven, the average annual insurance cost for a $300K home with a $500 deductible is $3,717. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.4% in Southaven for a $300K home.
Southaven’s $600K home insurance cost is 1.3% lower than the Mississippi average of $6,900. The Southaven average annual cost for a $600K home with a $500 deductible is $6,810.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,139 | $1,032 | $992 | $963 | $907 |
| $200K Home | $2,153 | $1,951 | $1,875 | $1,821 | $1,714 |
| $300K Home | $3,717 | $3,369 | $3,237 | $3,145 | $2,960 |
| $400K Home | $4,653 | $4,217 | $4,052 | $3,937 | $3,705 |
| $600K Home | $6,810 | $6,172 | $5,930 | $5,762 | $5,423 |
Southaven Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Southaven’s area are Holland Insurance Inc, Amica, and State Farm.
- Holland Insurance Inc (88%): Members highlight personalized service and local expertise.
- Amica (85%): Homeowners appreciate the comprehensive coverage options.
- State Farm (83%): Users value the consistent service and local agent availability.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Holland Insurance Inc | Broker | 4.5 | 5 | 4 | 4 | 88% |
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 85% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 83% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 82% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 84% |
See also:
Southaven Best Refinance Lenders
Southaven Best Home Loan Lenders
Hattiesburg Home Insurance Cost
Compare Hattiesburg 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Hattiesburg, the average annual insurance cost for a $300K home with a $500 deductible is $3,723. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.4% in Hattiesburg for a $300K home.
Hattiesburg’s $600K home insurance cost is 1.1% lower than the Mississippi average of $6,900. The Hattiesburg average annual cost for a $600K home with a $500 deductible is $6,827.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,147 | $1,038 | $997 | $971 | $914 |
| $200K Home | $2,164 | $1,958 | $1,881 | $1,831 | $1,724 |
| $300K Home | $3,723 | $3,369 | $3,237 | $3,151 | $2,966 |
| $400K Home | $4,669 | $4,225 | $4,059 | $3,952 | $3,720 |
| $600K Home | $6,827 | $6,178 | $5,936 | $5,778 | $5,439 |
Hattiesburg Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Hattiesburg’s area are Acceptance Insurance, Amica, and State Farm.
- Acceptance Insurance (87%): Homeowners appreciate the affordable rates and local agent knowledge.
- Amica (85%): Members highlight the excellent customer service and claims handling.
- State Farm (82%): Users value the consistent service and policy options.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Acceptance Insurance | Broker | 4 | 4.5 | 4.5 | 4.5 | 87% |
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 85% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 82% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 83% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 81% |
See also:
Hattiesburg Best Refinance Lenders
Hattiesburg Best Home Loan Lenders
Biloxi Home Insurance Cost
Compare Biloxi 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Biloxi, the average annual insurance cost for a $300K home with a $500 deductible is $3,727. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.3% in Biloxi for a $300K home.
Biloxi’s $600K home insurance cost is 0.9% lower than the Mississippi average of $6,900. The Biloxi average annual cost for a $600K home with a $500 deductible is $6,840.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,156 | $1,045 | $1,004 | $979 | $921 |
| $200K Home | $2,178 | $1,969 | $1,892 | $1,844 | $1,736 |
| $300K Home | $3,727 | $3,369 | $3,237 | $3,155 | $2,970 |
| $400K Home | $4,676 | $4,227 | $4,061 | $3,958 | $3,726 |
| $600K Home | $6,840 | $6,183 | $5,941 | $5,790 | $5,451 |
Biloxi Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Biloxi’s area are Amica, USAA, and Chubb.
- Amica (88%): Members praise the hurricane coverage options and claims service.
- USAA (86%): Homeowners value the military-focused benefits and coastal protection.
- Chubb (84%): Users appreciate the high-value home coverage and flood insurance options.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 88% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 86% |
| Chubb | Insurer | 5 | 4.5 | 3 | 3 | 84% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 83% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 82% |
See also:
Olive Branch Home Insurance Cost
Compare Olive Branch 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Olive Branch average annual cost for a $300K home with a $500 deductible is $3,714. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.4% in Olive Branch for a $300K home.
Olive Branch’s $600K home insurance cost is 1.5% lower than the Mississippi average of $6,900. The Olive Branch average annual cost for a $600K home with a $500 deductible is $6,796.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,134 | $1,029 | $989 | $960 | $903 |
| $200K Home | $2,147 | $1,948 | $1,872 | $1,817 | $1,709 |
| $300K Home | $3,714 | $3,369 | $3,237 | $3,142 | $2,956 |
| $400K Home | $4,643 | $4,212 | $4,047 | $3,928 | $3,696 |
| $600K Home | $6,796 | $6,165 | $5,923 | $5,750 | $5,409 |
Olive Branch Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Olive Branch’s area are 1st Alliance Insurance Agency, Amica, and State Farm.
- 1st Alliance Insurance Agency (90%): Homeowners highlight significant savings and personalized service.
- Amica (86%): Members appreciate the comprehensive coverage and customer loyalty.
- State Farm (84%): Users value the local agent availability and consistent service.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| 1st Alliance Insurance Agency | Broker | 4.5 | 5 | 4.5 | 4.5 | 90% |
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 86% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 84% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 85% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 83% |
See also:
Olive Branch Best Refinance Lenders
Olive Branch Best Home Loan Lenders
Tupelo Home Insurance Cost
Compare Tupelo 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Tupelo, the average annual insurance cost for a $300K home with a $500 deductible is $3,719. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.4% in Tupelo for a $300K home.
Tupelo’s $600K home insurance cost is 1.3% lower than the Mississippi average of $6,900. The Tupelo average annual cost for a $600K home with a $500 deductible is $6,813.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,143 | $1,035 | $994 | $967 | $910 |
| $200K Home | $2,157 | $1,954 | $1,877 | $1,825 | $1,717 |
| $300K Home | $3,719 | $3,369 | $3,237 | $3,147 | $2,961 |
| $400K Home | $4,657 | $4,219 | $4,054 | $3,941 | $3,708 |
| $600K Home | $6,813 | $6,172 | $5,930 | $5,765 | $5,425 |
Tupelo Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Tupelo’s area are Amica, State Farm, and USAA.
- Amica (87%): Members praise the tornado coverage options and claims service.
- State Farm (85%): Homeowners value the local agent network and consistent service.
- USAA (84%): Users appreciate the military-focused benefits and affordable rates.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 87% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 85% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 84% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 83% |
| Mississippi Farm Bureau | Insurer | 4 | 4 | 3.5 | 4 | 82% |
See also:
Meridian Home Insurance Cost
Compare Meridian 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Meridian average annual cost for a $300K home with a $500 deductible is $3,718. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.4% in Meridian for a $300K home.
Meridian’s $600K home insurance cost is 1.3% lower than the Mississippi average of $6,900. The Meridian average annual cost for a $600K home with a $500 deductible is $6,809.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,140 | $1,033 | $993 | $965 | $908 |
| $200K Home | $2,159 | $1,956 | $1,879 | $1,827 | $1,719 |
| $300K Home | $3,718 | $3,369 | $3,237 | $3,146 | $2,960 |
| $400K Home | $4,655 | $4,218 | $4,053 | $3,939 | $3,706 |
| $600K Home | $6,809 | $6,170 | $5,928 | $5,762 | $5,421 |
Meridian Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Meridian’s area are Meridian Insurance, Amica, and State Farm.
- Meridian Insurance (88%): Homeowners appreciate the local focus and attentive service.
- Amica (86%): Members highlight the comprehensive coverage and customer satisfaction.
- State Farm (83%): Users value the consistent service and local agent availability.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Meridian Insurance | Broker | 4.5 | 5 | 4 | 4 | 88% |
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 86% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 83% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 84% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 82% |
See also:
Meridian Best Refinance Lenders
Meridian Best Home Loan Lenders
Greenville Home Insurance Cost
Compare Greenville 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Greenville, the average annual insurance cost for a $300K home with a $500 deductible is $3,721. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.4% in Greenville for a $300K home.
Greenville’s $600K home insurance cost is 1.1% lower than the Mississippi average of $6,900. The Greenville average annual cost for a $600K home with a $500 deductible is $6,821.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,145 | $1,037 | $996 | $969 | $912 |
| $200K Home | $2,165 | $1,960 | $1,883 | $1,831 | $1,724 |
| $300K Home | $3,721 | $3,369 | $3,237 | $3,148 | $2,963 |
| $400K Home | $4,663 | $4,222 | $4,057 | $3,945 | $3,713 |
| $600K Home | $6,821 | $6,176 | $5,934 | $5,771 | $5,432 |
Greenville Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Greenville’s area are Amica, State Farm, and USAA.
- Amica (87%): Members praise the flood coverage options and claims service.
- State Farm (85%): Homeowners value the local agent network and consistent service.
- USAA (84%): Users appreciate the military-focused benefits and affordable rates.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 87% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 85% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 84% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 83% |
| Mississippi Farm Bureau | Insurer | 4 | 4 | 3.5 | 4 | 82% |
See also:
Greenville Best Refinance Lenders
Greenville Best Home Loan Lenders
Oxford Home Insurance Cost
Compare Oxford 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Oxford, the average annual insurance cost for a $300K home with a $500 deductible is $3,716. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.4% in Oxford for a $300K home.
Oxford’s $600K home insurance cost is 1.5% lower than the Mississippi average of $6,900. The Oxford average annual cost for a $600K home with a $500 deductible is $6,797.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,137 | $1,031 | $991 | $962 | $905 |
| $200K Home | $2,151 | $1,950 | $1,874 | $1,819 | $1,712 |
| $300K Home | $3,716 | $3,369 | $3,237 | $3,143 | $2,957 |
| $400K Home | $4,644 | $4,210 | $4,045 | $3,928 | $3,695 |
| $600K Home | $6,797 | $6,162 | $5,921 | $5,749 | $5,408 |
Oxford Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Oxford’s area are Amica, State Farm, and USAA.
- Amica (88%): Homeowners appreciate the comprehensive coverage and customer service.
- State Farm (86%): Members highlight the local agent network and consistent service.
- USAA (85%): Users value the military-focused benefits and affordable rates.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 3.5 | 88% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 4 | 86% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4.5 | 85% |
| Allstate | Agents | 4 | 4 | 3.5 | 4.5 | 83% |
| Mississippi Farm Bureau | Insurer | 4 | 4 | 3.5 | 4 | 82% |
See also:
Biggest Home Insurance Cost Factors in Mississippi
Weather Risks
Mississippi is one of the most weather-prone states in the country, which heavily influences home insurance premiums. The state frequently experiences hurricanes, tornadoes, flooding, and severe thunderstorms. Gulf Coast areas like Gulfport, Biloxi, and Pascagoula are particularly vulnerable to hurricane-related damage. Inland areas face high tornado risks, especially during spring and early summer. Because of these consistent natural threats, insurers charge higher premiums in high-risk zones to offset potential claims.
Home Construction Age
Older homes in Mississippi tend to have outdated electrical systems, plumbing, and roofing, making them more susceptible to damage and costly repairs. Homes built before modern building codes may also lack the structural resilience required for hurricane or tornado resistance. In coastal towns and older urban centers like Jackson and Vicksburg, insurance for aging properties can cost significantly more.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 20% less |
| 6–10 years | 10% to 5% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 15% more |
| 31–40 years | 20% to 35% more |
| 41–60 years | 40% to 60% more |
| 60+ years | 65% to 90% more |
In Mississippi, this trend is especially visible in historic towns and rural areas where many homes were built before 1970. Homes built within the last 10 years benefit most from modern building codes and hurricane-resistant construction, reducing premiums substantially.
Credit Score
Credit score plays a major role in determining your home insurance premium in Mississippi. Insurers view a low credit score as a risk factor, associating it with higher chances of filing claims. This results in significantly higher premiums for homeowners with poor credit. Mississippi is among the states where credit score impact on insurance rates is most pronounced.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
Improving your credit score can make a big difference in lowering insurance costs, especially in cities like Jackson, Southaven, and Hattiesburg, where rates already trend higher due to risk factors.
Location and ZIP Code
Where you live in Mississippi directly affects your insurance cost. Homes in coastal regions—such as Ocean Springs and Bay St. Louis—tend to carry higher premiums due to hurricane risk and flood exposure. Rural homes might have fewer fire stations nearby, raising fire-related insurance costs. Urban locations like Jackson or Gulfport may face higher rates due to increased theft or vandalism claims. Your ZIP code can influence cost significantly even within the same city due to local risk patterns.
Construction Materials
The materials used to build a home in Mississippi affect how well it can resist wind, hail, and flood damage. Brick homes, for example, tend to have lower premiums than wooden-frame homes because they offer better wind resistance. Homes built on stilts or elevated foundations may also receive reduced premiums in flood-prone areas if they meet FEMA guidelines.
Past Insurance Claims
Homeowners in Mississippi who have filed previous claims may face higher premiums. Insurers consider a home’s claim history as an indicator of future risk. A home that has had multiple water damage or wind-related claims—even by past owners—could see significant increases in premiums. This is especially relevant in older neighborhoods with frequent storm-related damage.
Best Home Insurance Discounts in Mississippi
Mississippi insurers offer several common discounts to help reduce your premium:
- Bundling Discount: Save when combining home and auto insurance with the same provider.
- New Home Discount: Homes built within the last 5–10 years qualify for lower rates due to safer construction.
- Claims-Free Discount: Policyholders with no recent claims can receive significant savings.
- Security System Discount: Homes with monitored burglar alarms or fire detection systems often receive discounts.
- Hurricane-Resistant Features: Roof tie-downs, storm shutters, and impact-resistant windows may qualify you for wind mitigation credits.
How to Find Cheap Home Insurance in MS?
To find affordable home insurance in Mississippi, start by comparing quotes from multiple providers. Don’t just focus on price—consider coverage levels, exclusions, customer service, and financial strength. The cheapest policy may not cover key risks like windstorm or flood damage, which are essential in this state. Focus on companies that offer strong discounts, reliable claims handling, and options for additional protection relevant to Mississippi’s weather risks.
6 Ways to Reduce Your Home Insurance Cost
- Raise your deductible (but only if you can afford higher out-of-pocket costs).
- Bundle your home and auto policies with the same insurer.
- Upgrade your roof or add hurricane-resistant features.
- Maintain a claims-free history to qualify for loyalty and no-claim discounts.
- Install fire and security systems to reduce theft and fire risk.
- Improve your credit score to lower insurer risk ratings.
What Does Home Insurance Cover in MS?
A standard home insurance policy in Mississippi typically includes:
- Dwelling Coverage: Repairs or rebuilds your home if damaged by covered events (e.g., fire, windstorm).
- Personal Property: Covers belongings inside the home like furniture and electronics.
- Liability Protection: Pays for legal or medical expenses if someone is injured on your property.
- Loss of Use: Covers additional living expenses if your home is uninhabitable due to a covered loss.
Extra Home Coverage in Mississippi?
Because Mississippi is vulnerable to specific natural disasters, many homeowners need optional endorsements or policies:
- Flood Insurance: Not included in standard policies; essential for homes in flood zones or coastal areas.
- Windstorm Insurance: Sometimes excluded from standard coverage, especially near the Gulf Coast. A separate wind policy may be needed.
- Roof Replacement Coverage: Pays for full replacement value, not just depreciated value.
- Water Backup Coverage: Protects against sewer or sump pump backup—common in older homes.
These extras are crucial in high-risk locations like Biloxi, Hattiesburg, and areas around the Mississippi River. Homeowners should consider these based on their risk exposure and property location.
FAQ: Mississippi Home Insurance
Is flood insurance included in home insurance policies in Mississippi? No. You’ll need to buy a separate flood policy through FEMA or a private insurer.
Why are premiums so high in coastal Mississippi? The Gulf Coast faces frequent hurricanes and flood risk, which drives up insurance costs significantly.
Can I get coverage for hurricane damage? Yes, but windstorm coverage may be separate. Check if it’s included or excluded in your main policy.
Is home insurance required by law in Mississippi? No, but if you have a mortgage, your lender will require it.
How can I lower my premium quickly? Raise your deductible, bundle policies, or install home security features.