Home Insurance in Mississippi
Mississippi is known for its friendly and welcoming atmosphere, living up to its nickname, “The Hospitality State.” The weather, however, can sometimes be anything but. Extreme weather events can strike unexpectedly all year round. That’s why it’s important not only to have
homeowners insurance, but to have the right homeowners insurance. Mississippi can trust The Hartford to help keep their homes covered if a disaster strikes. Through the AARP
® Homeowners Insurance Program from The Hartford,
1 get the homeowners insurance coverage you need to protect your home and belongings.
Top Mississippi Homeowners Insurance Coverages
Standard property coverages for Mississippi homeowners include:
Dwelling coverage to help protect your home and its attached structures. For example, if a tree falls during a storm and lands on your roof, your Mississippi home policy helps to cover your repair costs, up to your dwelling coverage limits.
Personal liability coverage for assistance protecting you if someone sues you and claims you’re responsible for their bodily injury or property damage. So, if you’re pruning a tree and a branch falls on your neighbor’s roof, this coverage can help with their repair costs.
Personal property coverage to help fix or replace damaged or destroyed personal belongings after a covered loss. In other words, this coverage can help pay for the replacement cost if someone breaks into your home and steals your belongings, like a laptop or TV that could be costly to replace.
Other structures coverage to cover your repair costs if things on your property that are not attached to your home get damaged. So, if a car were to crash into your fence, this coverage can help pay to have it repaired.
Medical payments coverage, which helps cover a person’s treatment costs if they get hurt on your property. For instance, if your neighbor slips on your front walkway and twists their ankle, this coverage helps cover any medical expenses.2
Loss of use coverage, which helps cover your living expenses if you can’t live in your home due to damages. For example, if a fire has made your home unlivable, this coverage can help pay your hotel fees, up to your policy limits.
Additional Coverage Recommendations for Homeowners Insurance in Mississippi
Looking to customize your policy to meet your unique needs and increase your home’s protection? The Hartford makes it easy. Other optional home insurance coverages for Mississippi homeowners include:
“New For Old” Protection‡‡ to help pay for new or similar items if your personal belongings are damaged or destroyed by a covered loss. So, if your couch is damaged in a house fire, this coverage will help to cover the cost to replace it with a brand new one of the same kind, even if it wasn’t in the best condition to begin with.
Valuable items blanket coverage to help cover the costs for lost, damaged or stolen valuables such as electronics, jewelry, fine art, golf equipment and many other items.
Reimbursement for replacing locks if you lose your keys or if they’re ever stolen.
Personal injury liability coverage to assist covering damages from a libel or slander claim.
Most standard homeowners insurance policies don’t cover damage from flooding. However, you can purchase
flood insurance as a separate policy if your community is part of the National Flood Insurance Program (NFIP).***
Is Mississippi Homeowners Insurance Required by Law?
Homeowners insurance in Mississippi is not required by law, but most banks require Mississippi homeowners with a mortgage to have home insurance. Having home insurance in Mississippi will help protect you from serious financial risk that can happen if your home suffers damage from unexpected issues, like a fire or burglary. It also helps protect your home by helping cover insurance costs if someone is injured on your property, like a guest visiting who slips on your sidewalk and sprains their elbow.
What Is the Average Cost of Homeowners Insurance in Mississippi?
As of August 2024, home insurance in Mississippi costs $2,820 per year, or $235 per month.
3 The national average for 2,230 per year.
4
Insurance costs are complex and change over time.5 They can vary by state (or even zip code) due to factors like:
- Location
- Property value
- Age of home and replacement cost
- Coverage limits
Not all home insurance companies are the same. At The Hartford, we’re an insurance company with over 200 years of experience, and we offer the only home insurance program endorsed by AARP. Whether you prefer to get your insurance quotes online or on the phone, The Hartford is here to help. Get a homeowners insurance quote online today or call 877-422-2345 and discover the difference for yourself.