Compare quotes for your home in 39422! Compare the best 12 carriers in minutes.
39422 Home Insurance Quotes & Rates
Currently, the 2,001 homes within the 39422 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Mississippi is around $1,247 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Bay Springs, MS, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 39422.
Mississippi is now ranking #6 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Bay Springs home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Mississippi has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 39422 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Bay Springs, Mississippi home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Bay Springs, MS Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
39422 Home Insurance Average Premiums
$997 /yr.
Shows Zip Code: 39422 lowest rates with discounts applied on average.
For the 39422, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $997 /yr. |
| Average Coverage: | $1247 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1547 /yr. |
What is the average home insurance cost for a home in 39422?
- • The average homeowners insurance premium paid annually for a home in 39422 is around $1247 per year.
What does it cost on average per month for home insurance in 39422?
- • Homeowners in 39422 pay a monthly average cost per month around $104.00.
What kind of discount could I get if I combine my home and auto insurance together in 39422?
- • Autoowners in 39422 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Bay Springs area, check out other zip codes nearby 39422.
Review average rates in another zip code:
39422 homeowners insurance rates
Home Replacement Cost Coverage in 39422
Average Building Cost Per Square Foot in 39422: $96
Location: Bay Springs, Mississippi (Jasper County)Average Square Footage in 39422: 875 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 39422 before you start any project. Bay Springs homeowners pay on average around $96 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 39422 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 39422 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 875 sq. ft. and the average cost to rebuild the home in this area is around $96 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Bay Springs area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $96 | 875 | $84,000 |
| Additional Upgrades & Added Features | $120 | 875 | $105,000 |
| Major Home Updates or Advancements | $144 | 875 | $126,000 |
It's important to understand that when you estimate your replacement cost of your home in the 39422 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 39422
Graves Lindsey Mclaurin &
Address: 11 N Third St Bay Springs, MS 39422Phone: (601)764-2232
Website:
Best Home & Auto Insurance Agencies in 39422
Graves Lindsey Mclaurin &
Address: 11 3rd St N Bay Springs, MS 39422Phone:
Website:
Info:
Southgroup Insurance & Fin Service
Address: 11 3rd St S Bay Springs, MS 39422Phone:
Website:
Info:
William Roy Rogers Agency
Address: 2774 Highway 15 Bay Springs, MS 39422Phone:
Website: http://www.royrogersinsurance.com
Info:
Nationwide Insurance
Address: 2772 Highway 15 Bay Springs, MS 39422Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
Start saving on car insurance today when you get a free online auto insurance quote or call (888)890-4630. Enjoy the ease of working with Nationwide for your auto insurance needs and our competitive auto insurance rates. car insurance, auto insurance, online auto insurance, auto insurance rates, car insurance quote
Brown J R Insurance Agency
Address: 2807 Highway 15 Bay Springs, MS 39422Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards
Housing Demographics for 39422
Population Review for 39422 Zip Code
For the city of Bay Springs, the population within 39422 has increased to over 4,322 residents in population size. The current population total is 5,071. We have broken down the population based on race below. In 39422, there are over 2427 in male population and 2644 females.
| Population | Values |
|---|---|
| Total Population | 5,071 |
| White Population | 2497 |
| Black Population | 2389 |
| Hispanic Population | 83 |
| Asian Population | 3 |
| Hawaiian Population | 1 |
| Indian Population | 8 |
| Other Population | 32 |
| Male Population | 2427 |
| Female Population | 2644 |
| Population Estimate | 4322 |
Household Data for 39422
The average number of homes in 39422 is around 2,001, there are an average of 2.47 per household. The average house value according to local real estate values is around $84,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,001 |
| Persons Per Household | 2.47 |
| Average House Value | $84,000 |
| Income Per Household | $43032 |
| Median Age | 42.4 |
| Median Age Male | 40.2 |
| Median Age Female | 44.7 |
| 39422 Details | Values |
|---|---|
| State | MS |
| State Full Name | Mississippi |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 601/769 |
| City | Bay Springs |
| City Alias Name | BAY SPRINGS |
| County | Jasper |
| County FIPS | 061 |
| State FIPS | 28 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 279 |
| CBSA | 29860 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Laurel, MS |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | East South Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 114 |
| Number Of Employees | 2797 |
| Business First Quarter Payroll | 31906 |
| Business Annual Payroll | 136459 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 84823 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 12754.48 |
| Delivery Residential | 1750 |
| Delivery Business | 22 |
| Delivery Total | 2588 |
| Preferred Last Line Key | Y13223 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Hattiesburg-Laurel, MS |
| CBSA_DIV_Name | |
| City State Key | Y13223 |
| Land Area | 140.456000 |
| Water Area | 0.268000 |
| City Alias Code | |
| City Mixed Case | Bay Springs |
| City Alias Mixed Case | Bay Springs |
| Box Count | 598 |
| SFDU | 1640 |
| MFDU | 49 |
| State ANSI | 28 |
| County ANSI | 061 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 270468 |
| Unique ZIP Name | |
| SSA State County Code | 25300 |
| Medicare CBSA Code | 99925 |
| Medicare CBSA Name | Rural Areas in MS |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 6 |
| County Mixed Case | Jasper |
Mississippi Homeowners Insurance News & Information
-
2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
-
Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
-
Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]