Gulfport Insurance Rates:

Gulfport, MS home insurance is nearly $802 to $1,089, about $66-$90/month. Our complete research indicates shoppers can save upto $378 by comparing multiple quotes

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Read Gulfport, Mississippi Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Gulfport Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $640/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Baths 1330 sqft Vacation Property Constructed In 1985 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2230/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Bath 2540 sqft Rental Property Constructed In 1970 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $410/5 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1230 sqft Rental Property Constructed In 2001 with Wood Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $350/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 1740 sqft Primary Residence Constructed In 1965 with Linoleum, Membrane Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $430/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 2560 sqft Primary Residence Constructed In 2006 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1460/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2070 sqft Rental Property Constructed In 1983 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2660/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 3120 sqft Seasonal Residence Constructed In 1975 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Divorced Female who is Retired with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2270 sqft Primary Residence Constructed In 2011 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $2700/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Baths 3150 sqft Rental Property Constructed In 1960 with Linoleum, Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Gulfport, MS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
39501 $89,500 $920
39503 $148,300 $970
39507 $143,700 $960

Gulfport Rates & Quotes Analysis:

Gulfport Area Estimated House Insurance
Boyce Rd, Dills Rd, Pecan Haven Ln, Lampkin Rd, Park Blvd, Rd 240, Old Savannah Dr, Cypress Dr, Bert Cir, Hughes Rd$964
Tux River Dr, Trippe Rd, Dudley St, Baywood Cir, N Counrty Hills Dr, Palm Ridge Dr, San Souci Dr, Greenwood Ave, Bayou View Dr, Turtle Ridge Rd$966
Beach Dr, Courthouse Rd, Valentine Dr, Jay Dr, C Ave, Sandy Hook Ln, Fox Run Cove, White Plains Rd, Oleander Dr, Audubon Pt$977
Pine Dr, N Seal Ave, Cody Dr, Lucky Mays Rd, Mennonite Rd, Jennifer Ln, Kathy St, Oneal Rd, 46th Ave, S Forest Ave$951
Brenda Dr, Kimball Dr, W River Vue, Barrone St, Kentucky Ave, Martys Ln, Michigan Ave, Christopher Dr, Monica Dr, E Ave$956
Sunridge Park, Orange Ct, 30th Ave, Arthur Ct, Whitney Dr, Clearview Rd, Longwood Cir, Lake Vista Dr, Pineland Dr, Summerwood$926
Robinson Rd, Gould Rd, Glendale Pl, Laguna St, Bayou Bernard Rd S, Ponderosa St, Winsor Cv, Pine Hills Dr, Fortson St, Gentry Dr$943
Ashley Ln, Breland Rd, Beachwood Cove, 54th Ave, N Cypress Dr, Bob White Dr, Robert Dr, Vision Oaks Blvd, Reichold Rd, Texas Ave$966
James Dr, Creek Ln, E Dogwood Dr, Evans St, Shalimar St, Parkwood Dr S, 24th Ave, 36th Ave, River Trail Ct, Paula Dr$972
Glascock Dr, Beeson St, Maple Cv, Morgan Ave, Lehmann Ct, Big Horn Dr, Hummingbird Ln, Switzer Rd, Smith Rd, 51st Ave$936

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,378 Homes (13% of total homes ) built between 1990 to 1999 in Gulfport are paying home insurance between $1,365-$1,379. Places close to Gulfport, MS such as Harrison County, Long Beach, Biloxi are more expensive by $14, $30, $23 respectively while Lyman and St. Martin are cheaper by $24 and $12 respectively for similar homes.
  • Bedrooms: 15,636 3 bedrooms homes (50% of total homes ) in Gulfport are paying about $928 and varies from Harrison County (+$9), Long Beach (+$20), Biloxi (+$15), Lyman (-$16) and Kiln (-$11).
  • Auto Insurance Bundling: 3,408 Households (22% of all households) in Gulfport have 3 or more vehicles available and when it is bundled with home insurance you can save $236. Discounts for similar bundling in close by locations such as Harrison County, Long Beach, Lyman come to $239, $241, $232 respectively.
  • Senior Discounts: 7,881 seniors (more than 55 years) occupied housing units (53% of total) in Gulfport get discounts between $141 to $144. The comparative concessions in proximate regions such as Harrison County, Long Beach and Lyman are $143, $145 and $139 respectively.
  • New Homes discounts: New homes such as the 15,076 homes built between 2000 to 2009 in Gulfport can save $189 and similar new home insurance discounts in nearby towns and cities like Harrison County, Long Beach and Lyman are $191, $193 and $186 respectively.

Gulfport Homeowners insurance Facts

  • Gulfport, MS has 14,870 owner occupied houses which is 57.0% of all units whereas Harrison County, Long Beach and Lyman have 63.32%, 67.03% and 82.14% respectively.
  • Gulfport, MS homeowners yearly insurance price at $946 is 0.75% of the typical house value of $126,700 which is in contrast with 0.66% in Harrison County, 0.61% at Long Beach & 0.9% in Lyman.
  • Homeowners in Gulfport, MS pay 5.41% of their income ($15,000 to $19,999) in insurance whereas homeowners in Harrison County, Long Beach and Lyman pay 5.46%, 5.53% and 5.31% respectively.
  • Gulfport, MS’s insurance is 6.8% of monthly housing costs of $1,164/month, for owners with a mortgage compared to 6.24% in Harrison County, 5.55% at Long Beach & 6.12% in Lyman. But, for households without a mortgage, insurance is 19.9% of costs ($396 in Gulfport, MS) in contrast with 20.86% in Harrison County, 19.75% at Long Beach & 12.75% in Lyman.

Gulfport, MS Home Values & Insurance rates

For example, insurance for 686 Homes (4.0% of total homes ) valued between $70,000 to $79,999 in Gulfport, MS is about $558. Rates in nearby areas in such as Harrison County, Long Beach, Biloxi are cheaper by $61, $114, $87 respectively while St. Martin and Kiln are costlier by $51 and $68 respectively for similar homes.

Gulfport, MS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,164 8.0% $179
$50,000 to $59,999 366 2.0% $387
$60,000 to $69,999 584 4.0% $482
$70,000 to $79,999 686 4.0% $558
$80,000 to $89,999 1,069 7.0% $633
$90,000 to $99,999 1,151 8.0% $700
$100,000 to $124,999 2,272 16.0% $813
$125,000 to $149,999 2,166 15.0% $1021
$150,000 to $174,999 1,671 11.0% $1210
$175,000 to $199,999 748 5.0% $1390
$200,000 to $249,999 1,032 7.0% $1674
$250,000 to $299,999 646 4.0% $2052
$300,000 to $399,999 371 2.0% $2610

Renters Insurance in Gulfport

  • Average Renters Insurance in Gulfport :  $197($16/month)

  • Median Gross Rent in Gulfport :  $836

  • Gulfport Renters Insurance to Median Rent Ratio:  1.91%

  • Average household size of renter-occupied unit :  2.54

Gulfport Renters Insurance as a Percentage of Rent

Gulfport Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 195 1.0% $349
$200 to $299 226 2.0% $799
$300 to $499 498 4.0% $1249
$500 to $749 2,725 26.0% $1924
$750 to $999 3,657 35.0% $2674
$1,000 to $1,499 2,631 25.0% $3799
$1,500 or more 463 4.0% $5449

Rent Affordability in Gulfport:

Approximately 55.0% (6,210) of households are spending more than 35% of their income on gross rent in Gulfport

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 898 8.0%
15.0 to 19.9 percent 849 7.0%
20.0 to 24.9 percent 1,334 11.0%
25.0 to 29.9 percent 1,054 9.0%
30.0 to 34.9 percent 879 7.0%
35.0 percent or more 6,210 55.0%

Protective device discount in Gulfport Up to :  $29

Claims-free discount in Gulfport Up to :  $39