The Best Home Insurance in Mississippi for 2025

Amica and Chubb are among the best homeowners insurance companies in Mississippi, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Mississippi. Below are the insurers that earned 4.5 stars or more in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

» MORE: The best home insurance companies

The best homeowners insurance companies in Mississippi

Here’s a closer look at the home insurance companies in Mississippi that earned a 5-star rating in our analysis.

Amica stands out for its broad range of coverage options. You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

» READ MORE: Amica homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

If you insure a secondary or seasonal home in Mississippi with Chubb, you can sign up for the company’s Property Manager service at no charge. With this service, a Chubb representative will inspect your home after a hurricane, report its condition to you, submit a claim on your behalf and help prevent further damage.

» READ MORE: Chubb homeowners insurance review

USAA sells homeowners insurance to veterans, active military and their families. If you fall into one of those groups, you might want to look into USAA’s offerings. The company’s homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity theft.

USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

» READ MORE: USAA homeowners insurance review

How much does homeowners insurance cost in Mississippi?

The average annual cost of home insurance in Mississippi is $3,475. That’s 81% more than the national average of $1,915.

In most U.S. states, including Mississippi, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Mississippi, those with poor credit pay an average of $6,775 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 95% more than those with good credit.

» MORE: How your credit score affects homeowners insurance

Average cost of homeowners insurance in Mississippi by city

How much you pay for homeowners insurance in Mississippi depends on where you live. For instance, the average cost of home insurance in Jackson is $3,800 per year, while homeowners in Gulfport pay $5,030 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Mississippi

Here are the insurers we found with average annual rates below the Mississippi average of $3,475.

» MORE: The cheapest homeowners insurance

Common risks for Mississippi homeowners

Here are some of the most common risks you may face as a Mississippi homeowner, along with steps you can take to insure your home against them.

Hurricanes

A standard homeowners insurance policy typically covers wind damage. However, residents of coastal areas may have windstorm exclusions or a separate wind deductible. A wind deductible may be a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for hail or wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

If your policy doesn’t cover wind damage, you may be able to purchase separate wind coverage from the Mississippi Windstorm Underwriting Association.

» MORE: Complete guide to hurricane insurance

Flooding

Flood damage is not typically covered by standard homeowners insurance; you’ll need to buy a separate flood insurance policy. Remember that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect.

» MORE: Why you might want flood insurance — even if it’s not required

Tornadoes and thunderstorms

Standard homeowners insurance will cover tornado damage, but some policies may carry a separate deductible for wind damage, as described in the hurricane section.

Severe thunderstorms can bring hail damage, which home insurance policies generally cover. However, as with wind damage, you may have a separate deductible for hail damage.

» MORE: Home insurance calculator: Estimate your rate

Mississippi insurance department

The Mississippi Insurance Department oversees the state’s insurance industry and provides consumer protection and resources. Its website includes information about homeowners insurance in Mississippi, including tips on shopping for a policy and ways to save on your premiums.

You can file a complaint against your insurance company online, by mail or via fax. If you have questions about filing a complaint or need help, you can send an email to [email protected] or call 800-562-2957.