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Mississippi Home Insurance

Mississippi home insurance offers property damage protection for your home. In the event of damage caused by any of the following perils, even the most basic policy Mississippi home insurance will cover the costs: fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The more popular policy, called the HO-3 policy, provides bodily injury liability coverage in addition to property damage protection.

Mississippi Home Insurance Rates

In Mississippi the effects of Hurricane Katrina were felt in 2005. The damages in the area forced some insurance companies to retreat. The large payouts and numerous claims hurt their bottom-line. For this reason, Mississippi home insurance has gone up in the past year. The added deductible in some areas for hurricanes has been initiated.

Many found that after Katrina the rates for Mississippi home insurance rose dramatically. Also, many homeowners were shocked that flood damage was not part of their Mississippi home insurance plan. Homeowners must buy additional flood insurance in order to have flood water damage covered. For a state that previously had low rates for home insurance, the hurricane’s damage has changed that for the time being.

Saving Money

The majority of homeowners would like to decrease their Mississippi home insurance premiums. There are a few ways to do this, but some can be easier than others. Review your deductible, if it’s at $500; consider raising it to $1000. This can reduce your Mississippi home insurance premiums tremendously. Also, if you have auto insurance, consider buying both your home and auto insurance through the same company. Many insurance companies offer a discount when you purchase the two policies through them. If you can, get numerous quotes before buying your Mississippi home insurance. You may just save yourself some money.

Mississippi Department of Insurance

Mississippi Insurance Department
1001 Woolfolk State Office Building
501 North West St
Jackson, MS 39201
Phone: (601) 359-3569


For other Mississippi Insurance Resources, See:


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