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Mississippi Homeowners Insurance Quotes

Mississippi has an above average homeowners insurance premiums then the other states, the state is usually ranked in the top 10 for highest home insurance cost in the country. And has ranked on average 5.7 in the country for the past 10 years. That's why shopping for insurance online makes finding affordable coverage easier for homeowners living in the "The Magnolia State". You can compare coverage and cost per carrier to help you narrow down the process on which policy works best for protecting your most valuable investment.

One of the reasons the premiums for Mississippi are higher is because of the lower elevation areas near Gulfport that are on the Gulf Coast which increases the risk of floods and hurricane or wind damage. As a homeowner, it's very important to know that a home insurance policy and a flood insurance policy are separate, the flood insurance policy is not part of a standard homeowners insurance policy so it's important that you speak with your home insurance agent about flood insurance coverage if you are in a flood zone area. Parts of Mississippi with higher elevations will have a reduced premium because the risk factor is lower. Other ways you may be able to save 10% to 25% on your homeowners insurance policy is to install a security alarm in your home.

Average Homeowners Insurance Premiums in Mississippi

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Mississippi homeowners are paying on average. Did you know that the average homeowners insurance premium in Mississippi is $1674? Mississippi is now ranked 6 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Mississippi is 27.69% more than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1674 (3.2%)$ 1406
2019$1622 (2.8%)$ 1356
2018$1578 (2.63%)$ 1328
2017$1537 (0.78%)$ 1287
2016$1525 (1.12%)$ 1276

When we combine the state averages over the last decade, the Mississippi overall average is estimated to be around $1,483.60. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Mississippi current state rank compare to the rest of the country is #6. Consider shopping your Mississippi home insurance with us so we can help you save up to 40% or more on your policy.

Mississippi Homeowners Insurance News & Information

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

Mississippi Housing & Real Estate Data

Details:Staticstics
Total Housing Units1274719
Occupied Housing Units1115768
Vacant Housing Units158951
Vacant Housing Units for Rent44735
Vacant Housing Units Rented Not Occupied1920
Vacant Housing Units For Sale16886
Vacant Housing Units Sold Not Occupied4915
Vacant Housing Units For Seasonal Occasional Use28867
Vacant Housing Units All Other Vacants61628
Housing Units Homeowner Vacancy Rate Percent2.1
Housing Units Rental Vacancy Rate Percent11.6
Housing Tenure Occupied Units1115768
Housing Tenure Occupied Units Owner Occupied777073
Housing Tenure Occupied Units Owner Occupied Population2017902
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.6
Housing Tenure Occupied Units Renter Occupied338695
Housing Tenure Occupied Units Renter Occupied Population857431
Housing Tenure Occupied Units Renter Occupied Average Household Size2.53

Understanding Mississippi Homeowners Insurance

When shopping for Mississippi homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Mississippi renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Mississippi, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Mississippi rates and coverage options.