Waynesboro Insurance Rates:

Waynesboro, MS home insurance is about $769 to $1,060, about $64-$88/month. Our detailed research indicates shoppers can save as much as $366 by getting different quotes

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Waynesboro Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $130/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Baths 3190 sqft Vacation Property Constructed In 1989 with Stone Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1060/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

5 Beds, 5 Baths 3840 sqft Seasonal Residence Constructed In 1995 with Linoleum, Composition Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who has a Part Time Job 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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1280/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 2110 sqft Primary Residence Constructed In 1975 with Hardwood Flooring, Tile Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1130/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Baths 1780 sqft Seasonal Residence Constructed In 1971 with Carpet over wood flooring, Composition Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 2000 sqft Primary Residence Constructed In 2000 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $820/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 2180 sqft Primary Residence Constructed In 1999 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $450/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 2950 sqft Seasonal Residence Constructed In 2006 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1370/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 3030 sqft Rental Property Constructed In 1976 with Wood Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1080/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Baths 1440 sqft Rental Property Constructed In 1971 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $50/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Baths 1390 sqft Primary Residence Constructed In 2008 with Linoleum, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Waynesboro, MS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
39367 $66,000 $910

Waynesboro Rates & Quotes Analysis:

Waynesboro Area Estimated House Insurance
Charles St, Wells St, Dura Dyess Rd, E Fairview Dr, Hampton St, Luke Dr, Mill St, Fagan St, Patton Creek Rd, Norton Dr$904
Joe Jordan Dr, Copeland Rd, Leroy Singley Dr, Horseshoe Dr, Gretna Dr, Franklin Jordan Dr, Walter Jordan Dr, Eastwood Dr, Coyt Rd, Oak St$897
New Saint Paul Church Dr, Mangum Pitt, Clark Dr, Briarwood Dr, Central Lake Dr, McGay St, Tatum Rd, Southwood Dr, Tommy Conner Dr, Bracy St$906
Hwy 510, Rankin St, State Hwy 184, Delta Dr, Rainwater Dr, First St S, Barnett St, Duncan Hill Rd, Shana St, Cecil Andrews Dr$907
Slater West Dr, Frost St, Ben Fleming Dr, Joe Pugh Dr, William Plamer Dr, Millers Trailer Park Dr, E Robinson Junction Rd, Mason Annex St, Beach Pitts Dr, US Hwy 84$901

Insurance rates are influenced by a number of factors including:

  • Year Built: 609 Homes (27% of total homes ) built between 1970 to 1979 in Waynesboro are paying home insurance between $1,483-$1,497. Places close to Waynesboro, MS such as Millry(AL), Gilbertown-Toxey(AL), Toxey(AL) are more expensive by $37, $12, $42 respectively while Wayne County and Clara are cheaper by $14 and $10 respectively for similar homes.
  • Bedrooms: 249 4 bedrooms homes (11% of total homes ) in Waynesboro are paying about $1,262 and varies from Jones County (+$7), Greene County (+$6), Enterprise (+$15), Wayne County (-$12) and Clara (-$9).
  • Auto Insurance Bundling: 276 Households (20% of all households) in Waynesboro have 3 or more vehicles available and when it is bundled with home insurance you can save $228. Discounts for similar bundling in close by locations such as Wayne County, Clara, Buckatunna come to $226, $227, $220 respectively.
  • Senior Discounts: 650 seniors (more than 55 years) occupied housing units (48% of total) in Waynesboro get discounts between $135 to $138 and varies from Wayne County ($135), Clara ($136), Buckatunna ($132).
  • New Homes discounts: New homes such as the 741 homes built between 2000 to 2009 in Waynesboro can save $183 and similar new home insurance discounts in nearby towns and cities like Wayne County, Clara and Buckatunna are $181, $181 and $176 respectively.

Waynesboro Homeowners insurance Facts

  • Waynesboro, MS has 1,334 owner occupied houses which is 69.3% of all units whereas Wayne County, Clara and Buckatunna have 84.27%, 100.0% and 100.0% respectively.
  • Waynesboro, MS homeowners yearly insurance price at $915 is 1.16% of the typical house value of $78,800 which is in contrast with 1.4% in Wayne County, 1.33% at Clara & 3.64% in Buckatunna.
  • Homeowners in Waynesboro, MS pay 4.07% of their income ($20,000 to $24,999) in insurance whereas homeowners in Wayne County, Shubuta and Millry pay 4.03%, 4.0% and 4.17% respectively.
  • Waynesboro, MS’s insurance is 8.0% of monthly housing costs of $952/month, for owners with a mortgage compared to 8.65% in Wayne County, 12.75% at Buckatunna & 10.12% in Shubuta. But, for households without a mortgage, insurance is 23.7% of costs ($322 in Waynesboro, MS) in contrast with 22.47% in Wayne County, 16.01% at Buckatunna & 26.5% in Shubuta.

Waynesboro, MS Home Values & Insurance rates

For example, insurance for 14 Homes (1.0% of total homes ) valued between $175,000 to $199,999 in Waynesboro, MS is about $2,168. Rates in nearby areas in such as Millry, Toxey, Jones County are cheaper by $236, $298, $172 respectively while Wayne County and Silas are costlier by $450 and $1,731 respectively for similar homes.

Waynesboro, MS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 467 37.0% $283
$50,000 to $59,999 50 3.0% $603
$60,000 to $69,999 74 5.0% $750
$70,000 to $79,999 86 6.0% $869
$80,000 to $89,999 62 4.0% $979
$90,000 to $99,999 58 4.0% $1098
$100,000 to $124,999 133 10.0% $1271
$125,000 to $149,999 113 8.0% $1592
$150,000 to $174,999 109 8.0% $1884
$175,000 to $199,999 14 1.0% $2168
$200,000 to $249,999 79 6.0% $2616
$300,000 to $399,999 14 1.0% $4062

Renters Insurance in Waynesboro

  • Average Renters Insurance in Waynesboro :  $251($20/month)

  • Median Gross Rent in Waynesboro :  $570

  • Waynesboro Renters Insurance to Median Rent Ratio:  3.51%

  • Renter occupied housing units in Waynesboro :  591

Waynesboro Renters Insurance as a Percentage of Rent

Waynesboro Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 25 4.0% $362
$200 to $299 106 20.0% $812
$300 to $499 85 16.0% $1262
$500 to $749 249 47.0% $1937
$750 to $999 50 9.0% $2687
$1,000 to $1,499 8 1.0% $3812

Rent Affordability in Waynesboro:

Approximately 64.0% (383) of households are spending more than 35% of their income on gross rent in Waynesboro

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 11 1.0%
15.0 to 19.9 percent 81 13.0%
20.0 to 24.9 percent 42 7.0%
25.0 to 29.9 percent 12 2.0%
30.0 to 34.9 percent 62 10.0%
35.0 percent or more 383 64.0%

Waynesboro Renters Insurance Discounts:

Waynesboro Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Waynesboro, MS Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 296 50.0% $25.1
2 vehicles available 151 25.0% $37.65
3 or more vehicles available 11 1.0% $50.2

Protective device discount in Waynesboro Up to :  $37

Claims-free discount in Waynesboro Up to :  $50