{"id":325240,"date":"2025-11-07T23:50:13","date_gmt":"2025-11-08T04:50:13","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=97171"},"modified":"2025-11-12T14:13:36","modified_gmt":"2025-11-12T19:13:36","slug":"best-in-mississippi","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-mississippi\/","title":{"rendered":"The Best Homeowners Insurance in Mississippi of 2025"},"content":{"rendered":"\n\n\n<p>Based on our latest 2025 review of Mississippi\u2019s property market, Allstate, USAA, Southern Farm Bureau (see note on Mississippi Farm Bureau below) and State Farm remain solid options for many homeowners. Our picks reflect current pricing patterns from statewide rate surveys, independent financial strength ratings, complaint data sources, and breadth of coverage and discounts. Three of these carriers also appear in our <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance companies<\/a> nationwide: Allstate, USAA and State Farm. We also include Mississippi Farm Bureau (policies underwritten by Southern Farm Bureau Casualty) for its competitive inland pricing and local availability in many ZIP codes, per 2025 market guides from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius<\/a>.<\/p>\n\n\n\n<p>Mississippi homes face frequent severe convective storms (tornadoes, hail, straight-line winds) statewide and periodic tropical systems along the Gulf. NOAA has recorded unprecedented counts of U.S. billion-dollar weather disasters in recent years, with Mississippi often included\u2014helping explain rising claims and premiums (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>; <a href=\"https:\/\/www.iii.org\/issue-update\/severe-convective-storms\">Insurance Information Institute<\/a>). In 2025, many MS policies include separate percentage deductibles for wind\/hail or named storms in coastal areas\u2014be sure you understand whether your policy uses a wind\/hail or hurricane\/named-storm deductible (<a href=\"https:\/\/www.iii.org\/article\/what-are-hurricane-deductibles\">III explainer<\/a>). Availability can also vary by roof age, material, and coastal proximity; if private carriers won\u2019t write wind on the Coast, the Mississippi Windstorm Underwriting Association (MWUA) may be an option (<a href=\"https:\/\/www.msplans.com\/mwua\/\">MWUA<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Mississippi<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<ul>\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a> \u2013 Best for New Homebuyers<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a> \u2013 Best for Military-Focused Coverage<\/li>\n\n\n\n<li><a href=\"#southern\" rel=\"nofollow\" class=\"achor-toggles\">Southern Farm Bureau<\/a> \u2013 Best for Coverage Options<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a> \u2013 Best Web Experience <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Compare Mississippi\u2019s Top Insurance Companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>2025 Relative Price Position*<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><strong>J.D. Power Overall Customer Satisfaction**<\/strong><\/td><\/tr><tr><td><strong>Allstate&nbsp;<\/strong><\/td><td>Near the MS statewide average for a standardized 2025 profile (varies by ZIP, roof and wind mitigation)<\/td><td>A+ (verify current rating on <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>)<\/td><td>See 2025 Property Claims Satisfaction study (1,000-point scale)<\/td><\/tr><tr><td><strong>USAA&nbsp;<\/strong><\/td><td>Often below the MS average for eligible members (standardized 2025 profile)<\/td><td>A++ (verify current rating on <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>)<\/td><td>Often excluded from public rankings due to eligibility rules<\/td><\/tr><tr><td><strong>Southern Farm Bureau&nbsp;<\/strong><\/td><td>Mississippi Farm Bureau (under Southern Farm Bureau Casualty): competitive in many inland ZIP codes<\/td><td>A (verify current rating on <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>)<\/td><td>N\/A (not included in J.D. Power rankings)<\/td><\/tr><tr><td><strong>State Farm&nbsp;<\/strong><\/td><td>Often below the MS statewide average for standardized 2025 profiles<\/td><td>A++ (verify current rating on <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>)<\/td><td>See 2025 Property Claims Satisfaction study (1,000-point scale)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information current as of 2025. Relative positions reflect modeled pricing patterns for standardized profiles; your price will vary by location and home characteristics. Sources: <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate 2025<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet 2025<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius 2025<\/a>.<\/em><\/p>\n\n\n\n<p><em>**See the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 J.D. Power U.S. Home Insurance Study<\/a> (1,000-point scale) and the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\">2025 J.D. Power U.S. Property Claims Satisfaction Study<\/a> for current claims satisfaction context.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Allstate<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Allstate\"><\/span>\n    \n\n\n<p>Allstate pairs broad coverage and discount options with strong digital tools, which is helpful in a storm\u2011prone state. In Mississippi\u2019s 2025 market, quotes commonly align near the statewide average for standardized profiles, with substantial variation by ZIP code, roof age\/material and wind mitigation (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>). If you\u2019re coastal, confirm whether your policy uses a separate wind\/hail or named\u2011storm deductible and ask about credits for impact\u2011resistant or FORTIFIED roofs (<a href=\"https:\/\/www.iii.org\/article\/what-are-hurricane-deductibles\">III<\/a>; <a href=\"https:\/\/fortifiedhome.org\">Strengthen Mississippi Homes<\/a>). For complaint comparisons, check the NAIC Consumer Complaint Index for the homeowners line (1.00 = industry average) via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Information Source<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homebuyers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate is available in all 50 states, plus D.C., and offers new\u2011buyer and bundling discounts that can offset 2025 wind and roof surcharges in Mississippi. Its digital quote and coverage guidance make it easier for first\u2011time buyers to understand separate wind\/hail or named\u2011storm deductibles and mitigation credits.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Near MS average (2025)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (verify on AM Best)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 claims study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate is available in all 50 states, plus D.C., and offers new\u2011buyer and bundling discounts that can offset 2025 wind and roof surcharges in Mississippi. Its digital quote and coverage guidance make it easier for first\u2011time buyers to understand separate wind\/hail or named\u2011storm deductibles and mitigation credits.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Discounts that can help offset wind\/roof surcharges<\/li>\n                            <li>Diverse coverage options; strong online tools<\/li>\n                            <li>Broad national availability<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Confirm separate wind\/named\u2011storm deductible terms<\/li>\n                                    <li>Check NAIC homeowners Complaint Index on NAIC CIS<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Early signing discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Homebuyer discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hail-resistant\/impact\u2011resistant roof discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Allstate\u2019s broad discount menu and digital tools can help first\u2011time buyers evaluate wind\/hail or named\u2011storm deductibles and mitigation credits in 2025.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Modeled 2025 averages referenced from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; your rate will vary by ZIP code, roof and coverage.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power reports results on a 1,000-point scale; see the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\">2025 Property Claims Satisfaction Study<\/a> for current claims experience context.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Allstate:<\/h4>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">USAA<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"USAA\"><\/span>\n    \n\n\n<p>USAA frequently prices below Mississippi\u2019s statewide modeled average for standard 2025 profiles among eligible military members, veterans and families (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>). Membership eligibility is required and USAA is often excluded from some public rankings for that reason. For service members, USAA\u2019s homeowners coverage and claims support are designed around military needs; review the current NAIC homeowners Complaint Index (1.00 = average) for the underwriting entity via <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a>, and verify current AM Best FSR on <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA has a long-standing reputation for service and value within the military community. In Mississippi\u2019s 2025 market, eligible members often see quotes below the statewide average for standardized profiles, though location and roof factors still drive results.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Often below MS average (2025)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (verify on AM Best)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 claims study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA has a long-standing reputation for service and value within the military community. In Mississippi\u2019s 2025 market, eligible members often see quotes below the statewide average for standardized profiles, though location and roof factors still drive results.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Military\u2011focused coverage and service<\/li>\n                            <li>Frequently competitive pricing for eligible members<\/li>\n                            <li>Bundling discounts available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Membership eligibility required<\/li>\n                                    <li>Limited third\u2011party rankings due to eligibility<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Save 10% if you bundle with auto\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims-free discounts (varies by underwriting) <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Home security system discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Policies and support tailored to active duty and veterans, including coverage for uniforms for eligible active duty members.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Modeled 2025 averages referenced from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/em><\/p>\n\n\n\n<p><em>**See J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\">2025 Property Claims Satisfaction Study<\/a> (1,000\u2011point scale); USAA may be excluded from some rankings due to eligibility rules.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on USAA:<\/h4>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA Homeowners Insurance Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA Renters Insurance Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Southern Farm Bureau<\/strong><\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"southern\" title=\"Southern Farm Bureau\"><\/span>\n    \n\n\n<p>In Mississippi, Farm Bureau policies are written through Mississippi Farm Bureau Insurance and are underwritten by Southern Farm Bureau Casualty Insurance Company. The carrier offers a modern online account experience and local agents statewide. In 2025 rate guides, Mississippi Farm Bureau is often competitive in inland ZIP codes, while pricing and wind deductibles can differ along the Coast (<a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius<\/a>). Verify current AM Best FSR on <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a> and review the NAIC homeowners Complaint Index for the underwriting entity on <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a> (1.00 = industry average).<\/p>\n\n\n                                                \n\n\n<section id=\"southern-farm-bureau\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Southern Farm Bureau<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Mississippi Farm Bureau (under Southern Farm Bureau Casualty) combines local agent support with a range of coverage options and a digital app. While not scored by J.D. Power, 2025 market guides cite competitive inland pricing and multiple property policy types, including homeowners, renters, landlord, and mobile home.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=308284-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Competitive inland vs. MS average (2025)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A (verify on AM Best)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not rated by J.D. Power**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Mississippi Farm Bureau (under Southern Farm Bureau Casualty) combines local agent support with a range of coverage options and a digital app. While not scored by J.D. Power, 2025 market guides cite competitive inland pricing and multiple property policy types, including homeowners, renters, landlord, and mobile home.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local agents and app support<\/li>\n                            <li>Multiple property coverage options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer third\u2011party satisfaction benchmarks<\/li>\n                                    <li>Availability and deductibles vary by ZIP (coastal vs. inland)<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Account and multi\u2011policy discounts<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New home discounts<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims\u2011free discount (eligibility applies)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">One of the largest MS property insurers, offering homeowners, renters, landlord, flood (via NFIP or private), and manufactured home coverage options.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Modeled 2025 positions based on <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius<\/a>, with statewide context from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/em><\/p>\n\n\n\n<p><em>**Not included in J.D. Power\u2019s public homeowners rankings; consider NAIC Complaint Index via <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a> (1.00 = industry average).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">State Farm<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"State Farm\"><\/span>\n    \n\n\n<p>State Farm combines strong financial strength with broad coverage options and one of the more streamlined digital experiences. For many Mississippi standardized profiles in 2025, State Farm often quotes below the statewide average (pricing still varies by ZIP, roof condition\/material, and mitigation credits), and its Simple Insights content helps new homeowners understand coverage and deductibles (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>). Verify NAIC Complaint Index via <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a> and current AM Best rating on <a href=\"https:\/\/ratings.ambest.com\/\">AM Best<\/a>.<\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Web Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm\u2019s digital experience and broad coverage options make it easy to tailor policies and understand separate wind\/hail or hurricane deductibles\u2014key issues for 2025 Mississippi buyers.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Often below MS average (2025)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (verify on AM Best)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 claims study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm\u2019s digital experience and broad coverage options make it easy to tailor policies and understand separate wind\/hail or hurricane deductibles\u2014key issues for 2025 Mississippi buyers.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Financially strong and widely available<\/li>\n                            <li>Excellent web and mobile experience<\/li>\n                            <li>Large agent network<\/li>\n                            <li>Educational content for new homeowners<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Separate wind\/hail or named\u2011storm deductibles apply in many areas<\/li>\n                                    <li>Discounts vary by ZIP and roof age<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Multiple policy discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fire, smoke, or burglar alarms discount<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Impact-resistant roof discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Online quoting and self\u2011service features help you compare deductibles and mitigation credits in minutes.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Modeled 2025 averages referenced from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power results reported on a 1,000\u2011point scale; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\">2025 Property Claims Satisfaction<\/a> for current claims experience.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Further Reading on State Farm:<\/strong><\/h4>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Mississippi Homeowners Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Mississippi<\/h2>\n\n\n\n<p>As of 2025, recent statewide surveys place Mississippi\u2019s average homeowners premium in the mid\u2011$2,000s per year to insure a home at roughly $300,000 in dwelling coverage with $300,000 liability and a $1,000 deductible, good credit and no recent claims (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>). The latest official benchmark from the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-insurance\">Insurance Information Institute (III)<\/a>, which summarizes NAIC data through 2022, is materially lower due to sharp increases since then. Your price will vary by factors such as coastal vs. inland location, roof age\/material and wind mitigation, construction type and age, credit tier, prior claims, coverage limits, and whether your policy includes separate wind\/hail or named\u2011storm deductibles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That May Further Protect You&nbsp;<\/h2>\n\n\n\n<p>If you want to protect your home from negative financial impacts, the following additions may be recommended by insurers to round out your insurance plan:<\/p>\n\n\n\n<ul>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">Flood Insurance:<\/a> Flood is excluded from standard homeowners policies. Consider coverage through the <a href=\"https:\/\/www.fema.gov\/flood-insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NFIP<\/a> (Risk Rating 2.0 risk\u2011based pricing) or a private flood policy\/excess layer where available. You can gauge your address\u2019s exposure using a <a href=\"https:\/\/msc.fema.gov\/portal\/home\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">FEMA flood map<\/a>. The <a href=\"https:\/\/content.naic.org\/cipr-topics\/flood-insurance\">NAIC<\/a> notes a growing private flood market that some lenders accept.<\/li>\n\n\n\n<li>Other Structures insurance: Protects anything else on your property that is not your home, such as a barn, shed, or detached garage. Ensure the limit reflects actual replacement costs.<\/li>\n\n\n\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/is-earthquake-insurance-worth-it\/\">Earthquake Add-on:<\/a> Mississippi sits near the New Madrid seismic zone. Standard homeowners policies exclude earthquake; adding an endorsement or standalone policy can provide protection. Some carriers also offer parametric options for rapid liquidity (<a href=\"https:\/\/www.genevaassociation.org\">learn more<\/a>).<\/li>\n\n\n\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-to-protect-your-home-from-extreme-weather\/\">Extreme weather: <\/a>Many MS policies include separate percentage deductibles for wind\/hail or named storms\/hurricanes in coastal areas\u2014confirm how yours works and what it covers (<a href=\"https:\/\/www.iii.org\/article\/what-are-hurricane-deductibles\">III explainer<\/a>). Ask about credits for impact\u2011resistant shingles or a FORTIFIED Roof through <a href=\"https:\/\/fortifiedhome.org\">Strengthen Mississippi Homes<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Mississippi&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Homeowner&nbsp; Insurance Companies<\/strong><\/td><td><strong>2025 Relative Price Position*<\/strong><\/td><\/tr><tr><td>Nationwide<\/td><td>Typically near-to-above MS average; sensitive to roof age\/material and coastal proximity (2025 profile)<\/td><\/tr><tr><td>Mississippi Farm Bureau<\/td><td>Often among the most competitive in inland ZIP codes; availability varies (2025 profile)<\/td><\/tr><tr><td>USAA<\/td><td>Frequently among the lowest for eligible members (2025 profile)<\/td><\/tr><tr><td>Travelers<\/td><td>Near-to-above MS average; wind\u2011mitigation and smart\u2011home discounts can help (2025 profile)<\/td><\/tr><tr><td>Allstate<\/td><td>Near the MS average; bundling and newer roofs may lower quotes (2025 profile)<\/td><\/tr><tr><td>State Farm<\/td><td>Often below the MS statewide average for standard profiles (2025 profile)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Modeled relative positions for a standardized 2025 profile (e.g., $300,000 dwelling, $300,000 liability, $1,000 deductible; good credit, claims\u2011free). Sources: <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate 2025<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet 2025<\/a>, <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius 2025<\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Mississippi<\/h2>\n\n\n\n<ul>\n<li>USAA (for eligible military members, veterans and families) \u2014 often below the statewide average for standardized profiles (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>)<\/li>\n\n\n\n<li>State Farm \u2014 frequently below statewide averages for many standard profiles (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>)<\/li>\n\n\n\n<li>Mississippi Farm Bureau \u2014 competitive in many inland ZIP codes; availability varies (<a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius<\/a>)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Mississippi<\/h2>\n\n\n\n<ul>\n<li>Allstate \u2014 commonly near the statewide average; quotes can run higher in coastal ZIP codes without mitigation credits (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>)<\/li>\n\n\n\n<li>Travelers \u2014 often near-to-above average without wind mitigation; discounts can improve pricing (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>)<\/li>\n\n\n\n<li>Nationwide \u2014 commonly near-to-above average; pricing is sensitive to coastal risk and roof age (<a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius<\/a>)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Resources Helpful for Mississippi Homeowners<\/h2>\n\n\n\n<p>Understanding how homeowners insurance works, current pricing and deductibles, and your rights as a property owner helps you get more value from your policy. If private carriers won\u2019t write wind along the Coast, the Mississippi Windstorm Underwriting Association (MWUA) can be an option; statewide last\u2011resort coverage is available via the FAIR Plan, and coastal homeowners may qualify for FORTIFIED roof grants (<a href=\"https:\/\/www.msplans.com\/mwua\/\">MWUA<\/a>; <a href=\"https:\/\/www.msplans.com\/mrpiua\/\">FAIR Plan<\/a>; <a href=\"https:\/\/fortifiedhome.org\">Strengthen Mississippi Homes<\/a>).<\/p>\n\n\n\n<ul>\n<li>Mississippi\u2019s Insurance Department: The website includes helpful guides to <a href=\"https:\/\/www.mid.ms.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">understand homeowners insurance<\/a>, <a href=\"https:\/\/www.mid.ms.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">prepare for natural disasters<\/a>,<a href=\"https:\/\/www.mid.ms.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> fire safety<\/a> and a <a href=\"https:\/\/www.mid.ms.gov\/consumers\/pdf\/home-inventory-checklist.pdf\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">home inventory checklist<\/a>, among other subjects.&nbsp;&nbsp;Also see coastal wind coverage via the <a href=\"https:\/\/www.msplans.com\/mwua\/\">Mississippi Windstorm Underwriting Association<\/a> and last\u2011resort property coverage via the <a href=\"https:\/\/www.msplans.com\/mrpiua\/\">Mississippi FAIR Plan<\/a>; mitigation grants for FORTIFIED roofs are available in coastal counties through <a href=\"https:\/\/fortifiedhome.org\">Strengthen Mississippi Homes<\/a>.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.hopb.co\/mississippi\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Mississippi Homeowners Association (HOA) Laws and Resources<\/a>: This group provides information about laws, regulations, government agencies, legal resources, information and documents that every homeowner should know about. <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_6166eaba5472b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Mississippi?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Homeowners in Mississippi are not required by state law to carry homeowners insurance. If you have a mortgage or other loan against your home, your lender will typically require homeowners insurance and may impose force-placed coverage if you do not maintain it \u2014 which is usually more expensive and primarily protects the lender\u2019s interest. In practice, homeowners insurance helps mitigate the risk of large financial loss after storms, fires, or other covered disasters. Confirm any separate wind\/hail or named\u2011storm deductibles with your agent.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6166ead35472c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Mississippi?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There\u2019s no single cheapest company for everyone. As of 2025, statewide averages for a standardized profile (about $300,000 in dwelling coverage, $300,000 liability, a $1,000 deductible, good credit, claims-free) land in the mid\u2011$2,000s annually in Mississippi. Among large carriers, State Farm and USAA often price below the statewide average for standard profiles, while Allstate, Travelers and Nationwide tend to be near or slightly above average \u2014 but quotes vary widely by ZIP code, roof age\/material, wind mitigation and coastal proximity (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius<\/a>). <\/span><span style=\"font-weight: 400;\">To find your best price, compare multiple quotes, verify any separate wind\/hail or named\u2011storm deductible, and ask about mitigation credits (e.g., FORTIFIED or impact\u2011resistant roofs). For complaint comparisons, check the NAIC homeowners Complaint Index (1.00 = average) on <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a>.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<p>We evaluated companies using 2025 market surveys for pricing patterns, independent financial strength ratings, complaint data sources, and coverage breadth relevant to Mississippi\u2019s wind and severe-storm exposure.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings: We reviewed current J.D. Power research for homeowners claims experience; see the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-property-claims-satisfaction-study\">2025 U.S. Property Claims Satisfaction Study<\/a> (1,000\u2011point scale).<\/li>\n\n\n\n<li>Coverage: We emphasized companies offering endorsements and clear terms for separate wind\/hail or named\u2011storm deductibles, plus mitigation credits.<\/li>\n\n\n\n<li>Confidence: We prioritized insurers with strong AM Best Financial Strength Ratings; verify company FSRs via the <a href=\"https:\/\/ratings.ambest.com\/\">AM Best Ratings Center<\/a> (A\u2212 and above generally indicate strong capacity).<\/li>\n\n\n\n<li>Customer Experience: We considered complaint activity using the NAIC Consumer Complaint Index (1.00 = industry average) and linked to the <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a> consumer portal.<\/li>\n<\/ul>\n\n\n\n<p>Pricing context draws on 2025 modeled statewide averages from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/mississippi\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/mississippi\/\">Policygenius<\/a>. These are sample averages for standardized profiles and should be used for comparative purposes only; your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following profile:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $300,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $30,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $150,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $60,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and often a separate wind\/hail or hurricane\/named storm deductible (if required). Learn more about these deductibles from the <a href=\"https:\/\/www.iii.org\/article\/what-are-hurricane-deductibles\">Insurance Information Institute<\/a>.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Based on our latest 2025 review of Mississippi\u2019s property market, Allstate, USAA, Southern Farm Bureau (see note on Mississippi Farm Bureau below) and State Farm remain solid options for many homeowners. Our picks reflect current pricing patterns from statewide rate surveys, independent financial strength ratings, complaint data sources, and breadth of coverage and discounts. Three [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354709,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Mississippi Homeowners Insurance Companies of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"A review of Mississippi&#039;s top homeowners insurnace based on cost, independent third party evaluations, available discounts, and amount and type of policies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-mississippi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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