Mississippi homeowners insurance

Mississippi is one of several Southern states in Dixie Alley vulnerable to devastating tornadoes. In recent years, the state has averaged the most tornadoes in the U.S. Early spring and late fall are when most tornado activity happens. For Mississippi homeowners, safeguarding against severe weather and tornadoes is more important than ever. Be prepared for storm season and beyond with customized, affordable homeowners insurance in Mississippi.

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How you're covered

A typical policy in Mississippi may include the following homeowners insurance coverages:

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Did you know?

The only part of Mississippi that isn't considered to be within the tornado-prone Dixie Alley is the Gulf Coast region, which is vulnerable to hurricanes and tropical storms from June to November each year. For this reason, according to the Insurance Information Institute (iii.org), Mississippi typically has named storm or hurricane deductibles. Learn more about how home insurance typically covers hurricanes.

More ways to stay covered in Mississippi

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Mississippians may want to consider:

Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
Umbrella: An umbrella policy, where available, may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is Mississippi homeowners insurance?

Mississippi homeowners insurance rates are among the top 10 most expensive in the U.S., according to iii.org, with a 12-month average cost of $1,954.33, or $162.86 per month.^* Weather perils play a large role in average homeowners insurance costs in Mississippi, but many non-weather-related factors also affect rates. Learn about the factors that influence homeowners insurance costs.

Helping you save on homeowners insurance in Mississippi

Homeowners can take advantage of discounts to help lower the cost of their Mississippi homeowners insurance. Bundling home and auto insurance is one easy way to receive a discount. Paying a 12-month policy in full can help, too. Learn more about available homeowners insurance discounts.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live, or find a local agent in Mississippi.

Compare homeowners insurance rates in Mississippi

Use Progressive's HomeQuote Explorer® tool for homeowners insurance quotes in Mississippi. With it, you can compare rates and coverages from different companies, making it easy to find the best coverage.

Is homeowners insurance required by law in Mississippi?

There are no Mississippi homeowners insurance laws that require you to have a homeowners policy. But if you want to buy or refinance a home, your lender may make it a condition of securing a mortgage. Talk with your lender about their requirements, including the coverage limits they may require.