Jackson, MS Homeowners Insurance
Find the right homeowners insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Jackson is the capital of Mississippi, and more than half a million people live within its metropolitan area. This “City with Soul” has a lot to offer its residents, including affordable housing, parks, cultural attractions and an abundance of colleges and universities. If you own a home in this state’s largest city, you will need to be sure to protect your investment with a sound Mississippi home insurance policy.
When you are looking for suitable home insurance coverage at a competitive price, you can turn to an independent insurance agent in our network for help. These agents are free to work with a number of highly-rated insurance companies so they can present you with a selection of customized policies and rates from which to choose. This is the fastest and easiest way to compare Jackson homeowners insurance quotes.
- National yearly premium average: $1,034
- Mississippi yearly premium average: $1,314
- 5th most expensive premium in the U.S.
Residents of Mississippi face significantly higher-than-average home insurance rates, so comparison-shopping is an important step in the insurance selection process. Your actual quoted home insurance rates depend on a number of factors, including the following:
- The value of your house and its projected rebuilding costs
- The location of your house: your ZIP code
- The amount of property coverage you are purchasing
- The type of house you are insuring: primary residence, second home or vacation home
- The amount of deductible you choose
- The insurance company you choose
A local agent can help you compare Jackson homeowners insurance rates so you can be sure that you are getting the coverage you need at an affordable price.
Number of Thefts in Mississippi
- National number of burglaries: 37,814
- Mississippi number of burglaries: 24,995
The burglary rate in Mississippi is lower than the national average, but it is quite high in Jackson. In recent years, there were 3,366 burglaries reported by residents of this city. That equates to 1,912 burglaries for every 100,000 households. You can take measures to safeguard your property by investing in theft deterrents such as deadbolt locks, burglar alarm systems and motion-sensitive lighting. Doing so can even earn you discounts on your insurance.
Burglaries are not always preventable, however, so if you are burglarized, your Jackson homeowners insurance can help. Allow an agent to assist you in determining how much coverage you need and whether any of your particularly valuable items need to be covered by special endorsements.
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Number of Catastrophes in Mississippi
- Number of catastrophes in Mississippi: 469
- Number of tornadoes in Mississippi: 61
- Amount of property damage in Mississippi: $212,070,000
- 1 in 15 insured homes has a claim each year
Your Jackson homeowners insurance policy provides you with coverage if your house is damaged by a severe weather event or by other hazards such as fire or vandalism. However, it is important that you review your policy to understand what coverage exclusions may apply. You may need special endorsements for hurricane and tornado coverage, and some hazards may not be covered by your policy at all.
For example, nearly all home insurance policies exclude coverage for damage caused by floods, so supplemental flood insurance is necessary. Your independent insurance agent can help you identify coverage gaps that may exist in your current or potential policies and can recommend and help you obtain the right insurance to mitigate those hazards.
What Are the Risks in Jackson, MS?
While most hurricanes and tropical storms that make landfall along the Gulf Coast are weakened significantly by the time they strike Jackson, this city is prone to severe thunderstorms, heavy winds, hail, and tornadoes. Each of these hazards can lead to significant damage to area homes. It is important that your home insurance policy covers these hazards.
Another risk faced by Jackson residents is that of flooding. The heavy rainstorms that hit this area can saturate the ground and cause area waterways to overflow their banks. There have been nearly 300 floods in the Jackson area since 1950. Be sure to discuss your risk of flood damage with your local agent, who can help you supplement your Jackson homeowners insurance with a flood insurance policy through the National Flood Insurance Program (NFIP).
Save on Home Insurance
Our independent agents shop around to find you the best coverage.
Compare Jackson Home Insurance Quotes
Independent insurance agents in our network can save you both time and money by helping you find high-quality Jackson homeowners insurance at a competitive rate. These agents work with several insurance companies and can gather a variety of quotes for policies that are designed to meet your specific coverage needs. They can then help you review the coverage offered by each insurer so you can make an informed decision about which to buy. There are a number of agents with offices in Jackson and its neighboring communities. These knowledgeable agents can serve as a wonderful resource when you are shopping for any type of insurance.
Find an agent who is located conveniently close to your home to learn more about your coverage options, so you can soon start comparing Jackson home insurance quotes for policies that have been customized to meet your coverage needs.