Biloxi, MS Home Insurance - Analysis On Quotes, Rates & Agents
Biloxi Insurance Rates:
Biloxi, MS homeowners insurance is roughly $815 to $1,110, about $67-$92/month. Our comprehensive research shows customers can save upto $384 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Different Ways to Reduce your Home Insurance in Biloxi, MS
The average cost of homeowners insurance in Biloxi, MS, is $1423. Your home is likely your most valuable asset, so it’s important to protect it with proper insurance. Homeowners insurance can help cover the cost of repairs or rebuilding if your home is damaged by fire, wind, hail, water damage, theft, or other covered events. It can also help cover the cost of medical bills and legal fees if someone is injured on your property. While homeowners insurance is essential, it can also be expensive. The cost of your premium will depend on several factors, including the value of your home, the amount of coverage you need, and the deductible you choose.
Here are a few factors to take into account when looking for homeowners insurance in Biloxi, Mississippi.
By Choosing a Higher Deductible
One way to reduce the cost of homeowners insurance is to choose a higher deductible. A deductible is an amount you must pay out of pocket before your insurance policy kicks in. Choosing a higher deductible will lower your monthly premium, but you will be responsible for more money out of pocket if something happens to your home. Make sure you have enough savings to cover the deductible if you need to make a claim. In Biloxi, MS, homeowners with deductibles of 1500 and 2000 pay $1197 and $1087 in premiums, respectively. However, homeowners who pay a 500 or 1000 dollar deductible pay $1406 and $1272, respectively. As a result, Therefore, the higher the deductible, the lower the premium in Biloxi, MS.
See the table below to learn how much homeowners in Biloxi, Mississippi, have paid for various deductibles.
By Choosing Multi-Policy Insurance
Multi-policy insurance plans are often cheaper than buying separate policies for each type of coverage. This is because insurance companies offer discounts for customers who bundle their policies. In addition, having both homeowners and auto insurance with the same company can make it easier to manage your coverage and make claims. Homeowners in Biloxi can get insurance for $1195 after bundling.
By Installing Security Features
Installing security features is just one way to lower your homeowners insurance costs. Security features can include things like security alarms, security cameras, and deadbolt locks. These features deter burglars and help to keep your home and belongings safe. As a result, your homeowners insurance company may offer you a discount on your premium. In Biloxi, MS, homeowners that install security measures like deadbolts and smoke alarms pay $1309 in premiums. In Biloxi, MS, homeowners with sprinkler and fire alarm systems pay $1280 and $1294 for homeowners insurance.
Biloxi, MS Homeowners Insurance By Home Value
| Biloxi, MS Home Value | Total Homes | % of Total | Average Biloxi, MS Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 810 | 9.0% | $153 |
| $50,000 to $59,999 | 172 | 1.0% | $327 |
| $60,000 to $69,999 | 109 | 1.0% | $404 |
| $70,000 to $79,999 | 247 | 2.0% | $471 |
| $80,000 to $89,999 | 496 | 5.0% | $529 |
| $90,000 to $99,999 | 326 | 3.0% | $596 |
| $100,000 to $124,999 | 1,049 | 12.0% | $692 |
| $125,000 to $149,999 | 1,309 | 15.0% | $865 |
| $150,000 to $174,999 | 1,268 | 14.0% | $1019 |
| $175,000 to $199,999 | 641 | 7.0% | $1183 |
| $200,000 to $249,999 | 916 | 10.0% | $1414 |
| $250,000 to $299,999 | 730 | 8.0% | $1731 |
| $300,000 to $399,999 | 652 | 7.0% | $2202 |
Top Home Insurance Agents Near Biloxi, MS
| Home Insurance Company Near Biloxi, MS | Homeowners Insurance Agency Near Biloxi, MS | Address |
|---|---|---|
| Travelers | Bancorpsouth Ins Services Inc | 213 PORTER AVE, BILOXI, MS, 39533 |
| Allstate | Betsy Mcarn | 207 Tanner Williams Ct Ste A, Mobile, AL, 36608 |
| Liberty Mutual Independent | Burkholder Insurance Inc | 115 University Blvd., Mobile, AL, 36608 |
| Nationwide | James Poulos | 831 Jackson St, Biloxi, MS, 39530-4235 |
| Travelers | Mattina Insurance Agency Inc | 11010 HWY 49 STE 1, GULFPORT, MS, 39503 |
Biloxi, MS Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Biloxi, MS
| Streets in Biloxi Area | Homeowners Insurance Cost |
|---|---|
| Mulberry Dr, John Morris St, Vee St, Regency Dr, Windrush Ct, Walker Rd, Covenant Square Dr, Summer Lane Rd, Executive Pl, Beverly Dr | $965 |
| Dogwood Dr, Walda Dr, Whitney Dr, Phantom St, E St, Natchez Ln, Lantana Cove, Woodland Hills Dr, Mary Ct, Bayview Ave | $953 |
| Saint Jude St, Pecan Rd, Quail Cove, Eastview Dr, Heron Cove, Somerset Ct, Longwood Cir, River Oaks Ct, Eisenhower Dr, Leisure Ln | $986 |
| Rd 122, Carter Rd, Reed Ave, Rodenberg Ave, Dukate St, Clearview Dr, Pringle Cir, Larkin Pl E, Knox St, Violet St | $971 |
| Clifton Ln, Carlisle Ln, Paul David Dr, Midway St, Clay St, Pecan Hill Dr, Pearl St, Lanfair Rd, Parkway Rd, Longwood Ct | $978 |
| Keesler Cir, McNarney Dr, Bay Vw, Kellogg Rd, Third St, Old Bay Rd, Dunvegan Dr, Snug Harbor Rd, Jim Lee Rd, Sabrina Dr | $979 |
| Oakridge Cir, Oaklawn Rd, Canterbury Dr, Curtis St, Gould Rd, Collier St, Hudson Krohn Rd, Georgia Dr, W Wortham Rd, Alden Cir | $977 |
| Merry Ln, Teal Cove, Percy St, Shell St, Donwood Pl, Country Ln, Woodlands Hill Dr, Brighton Cir, A St, Rd 244 | $966 |
| Rd 106, Lasalle Dr, Camelia Pl, Holly Bluff Cir, Joachim Pl, Oakridge Pl, Buddleia Cove, Bay Shore Dr, Balboa St, Division St | $964 |
| Jam Ln, Barton Rd, Aster Cir, Summer Field Dr, Porter Ave, Delauney St, St Paul St, River Walk Cir, Woolmarket Rd, Gill Ave | $979 |
Biloxi, MS Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Biloxi | $143 to $145 |
| D'Iberville | $141 |
| St. Martin | $140 |
| Latimer | $143 |
Biloxi, MS Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| D'Iberville city, Mississippi | $118 | $157 | $236 |
| St. Martin CDP, Mississippi | $117 | $156 | $234 |
| Latimer CDP, Mississippi | $119 | $159 | $238 |
Biloxi, MS Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Biloxi, MS | 5.9% | 20.5% |
| D'Iberville | 7.41% | 20.53% |
| St. Martin | 5.95% | 22.14% |
| Latimer | 6.4% | 21.31% |
Biloxi Renters Insurance as a Percentage of Rent
| Biloxi Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 116 | 1.0% | $342 |
| $200 to $299 | 243 | 3.0% | $792 |
| $300 to $499 | 683 | 8.0% | $1242 |
| $500 to $749 | 1,979 | 24.0% | $1917 |
| $750 to $999 | 2,747 | 34.0% | $2667 |
| $1,000 to $1,499 | 2,027 | 25.0% | $3792 |
| $1,500 or more | 269 | 3.0% | $5442 |
Biloxi, MS Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $3,900 |
| Yearly Biloxi Homeowner Insurance Premium Example | $2,700 | $2,200 |
| Out of Pocket Expense During Claim | $900 | $3,900 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $19,800 | $19,300 |
| Net Savings to Biloxi Home Owner from High Deductible Plan | $500 | |
Biloxi, MS Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Biloxi, MS Home Replacement Value MORE than Home Value | Biloxi, MS Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $198,000 | $114,500 |
| Insurance Premium based on Replacement Value | $3,000 | $1,725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $49,000 | Risk Exposure from Under Insuring Coverage is $34,500 |
| Premium Impact | Insurance cheaper by $525/year | Insurance costlier by $750/year |
Example Biloxi Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Nationwide Insurance | Farmers Insurance | Allstate |
| Monthly Premium | 170 | 332 | 171 |
| Year Built | 1980 | 2013 | 1992 |
| Home Details | 5 Beds, 4 Baths | 4 Beds, 3 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $125000-$150000 |
| Deductible | > $10,000 Deductible | $500 Deductible | $1000-$2500 Deductible |
Sample Home Insurance Rates for Biloxi, MS from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1993 | 155,000 | Wood Shake Roof | 1,440 | 2 | $500- $1000 Deductible | 930 | 6 | Vinyl siding | No |
| 2005 | 130,000 | Tile Roof | 1,350 | 3 | $500- $1000 Deductible | 2560 | 12 | Fiber-Cement Siding | yes |
| 1973 | 130,000 | Shingles Roof | 1,440 | 2 | $1000-$2500 Deductible | 270 | 2 | Stone Siding | yes |
| 1973 | 330,000 | Asphalt Shingles Roof | 3,040 | 4 | $5000 to $10,000 Deductible | 560 | 2 | Brick siding | yes |
| 1975 | 125,000 | Membrane Roof | 1,230 | 2 | $1000-$2500 Deductible | 990 | 10 | Fiber-Cement Siding | yes |
| 1987 | 210,000 | Composition Roof | 2,020 | 5 | $5000 to $10,000 Deductible | 900 | 5 | Vinyl siding | No |
| 2000 | 130,000 | Asphalt Shingles Roof | 1,530 | 2 | $500- $1000 Deductible | 300 | 2 | Wood siding | No |
| 1971 | 385,000 | Wood Shake Roof | 3,740 | 5 | $1000-$2500 Deductible | 520 | 1 | Stucco siding | yes |
| 1992 | 195,000 | Membrane Roof | 1,750 | 5 | $1000-$2500 Deductible | 1370 | 8 | Brick siding | No |
| 1985 | 275,000 | Wood Shake Roof | 3,490 | 5 | $1000-$2500 Deductible | 4480 | 12 | Vinyl siding | yes |
| 1987 | 150,000 | Shingles Roof | 1,750 | 5 | $2500-$5000 Deductible | 1320 | 10 | Fiber-Cement Siding | yes |
| 2011 | 270,000 | Asphalt Shingles Roof | 2,560 | 5 | $5000 to $10,000 Deductible | 750 | 4 | Stucco siding | No |
| 1974 | 455,000 | Slate Shingles Roof | 4,610 | 5 | $500- $1000 Deductible | 7080 | 12 | Fiber-Cement Siding | yes |
| 2003 | 105,000 | Tile Roof | 1,140 | 2 | $500 Deductible | 430 | 3 | Wood siding | No |
| 1973 | 105,000 | Tile Roof | 1,290 | 3 | $1000-$2500 Deductible | 1070 | 10 | Stucco siding | yes |
| 1992 | 145,000 | Membrane Roof | 1,690 | 3 | $1000-$2500 Deductible | 1220 | 7 | Vinyl siding | No |
| 1972 | 335,000 | Asphalt Shingles Roof | 3,370 | 5 | $500 Deductible | 4070 | 8 | Stone Siding | No |
| 2011 | 155,000 | Membrane Roof | 1,690 | 3 | $2500-$5000 Deductible | 580 | 4 | Stucco siding | No |
| 1984 | 180,000 | Asphalt Shingles Roof | 2,080 | 3 | $500 Deductible | 2310 | 9 | Stone Siding | No |
| 2010 | 125,000 | Asphalt Shingles Roof | 1,490 | 3 | $1000-$2500 Deductible | 790 | 6 | Stucco siding | No |
| 2013 | 155,000 | Tile Roof | 1,750 | 2 | $5000 to $10,000 Deductible | 270 | 2 | Wood siding | yes |
| 2013 | 120,000 | Metal Roof | 1,080 | 2 | $2500-$5000 Deductible | 740 | 7 | Brick siding | yes |
| 2012 | 150,000 | Wood Shake Roof | 1,700 | 3 | $1000-$2500 Deductible | 890 | 7 | Fiber-Cement Siding | No |
| 1982 | 140,000 | Asphalt Shingles Roof | 1,260 | 2 | $2500-$5000 Deductible | 230 | 2 | Fiber-Cement Siding | No |
| 2005 | 185,000 | Wood Shake Roof | 2,130 | 4 | $2500-$5000 Deductible | 1300 | 8 | Stone Siding | yes |
| 2013 | 150,000 | Membrane Roof | 1,610 | 2 | $500 Deductible | 890 | 4 | Brick siding | yes |
| 1971 | 130,000 | Asphalt Shingles Roof | 1,620 | 5 | $1000-$2500 Deductible | 1850 | 9 | Wood siding | yes |
| 1975 | 235,000 | Composition Roof | 2,310 | 5 | $2500-$5000 Deductible | 1160 | 6 | Brick siding | yes |
| 2012 | 175,000 | Slate Shingles Roof | 1,640 | 5 | $2500-$5000 Deductible | 1440 | 8 | Wood siding | yes |
| 1987 | 105,000 | Membrane Roof | 1,020 | 2 | $500- $1000 Deductible | 280 | 3 | Fiber-Cement Siding | yes |
| 2014 | 225,000 | Composition Roof | 2,300 | 3 | $500- $1000 Deductible | 3480 | 12 | Fiber-Cement Siding | No |
| 2005 | 170,000 | Tile Roof | 2,130 | 3 | $2500-$5000 Deductible | 1030 | 9 | Vinyl siding | yes |
| 2007 | 135,000 | Metal Roof | 1,240 | 3 | $1000-$2500 Deductible | 710 | 4 | Wood siding | yes |
| 1993 | 275,000 | Membrane Roof | 2,890 | 4 | $5000 to $10,000 Deductible | 2820 | 12 | Brick siding | yes |
Latest Home Insurance Reviews
ProgressiveProgressive is always frindly to help us in all our doubts and also the team members are happy to help us always by clarifying our doubts
State FarmI would definitely reccomend this company for home or renter's insurance as well as life and auto. They have been around a long time and have the experience and backing to put your mind at ease.
GeicoI would recommend this company to all of my friends, in fact I have recommended them. After filing a claim, I was so impressed with the service we received that I have recommended this policy to everyone I know.
State FarmThey are moderatly responsive. I think they make it hard to electronically connect with them to just make it difficult. I wish they would spend less money on ads and more on their policy holders.
AllstateI'm very happy with Allstate.They are friendly and helpful.I feel like they are very honest and even told me when I didn't need an extra policy. They have great prices when you bundle your auto insurance with your home insurance.
State FarmSmall local office where people care and a top notch professional that has everything you need. Small town meets the future. Best insurance company there is , my family has had state farm for over 50 years.
Farmer's InsuranceI think I would recommend it to others as it is reasonably priced and has caused me no problems this far.
Liberty MutualLiberty Mutual has a great customer service department for their home owners insurance. I had to make a claim due to weather damage to my roof. They were excellent.
State FarmMy company is one of the few that will write policies for rural properties in this area. As such there is not much to pick from and prices are high. Never have had any issues with underwriting.
Farmer's InsuranceIt has been very great honestly. They are always checking in and doing a great job overall. I wish I would have applied for their company a long time ago.
NationwideI pay a very low deductible compared to my neighbors despite having a low deductible
ProgressiveI would say that on a scale from 1-5, I would be at a 4 with my home owner's insurance company's offerings as I am very satisfied. My insurance offerings are pretty much the same as every other insurance company.
AllstateOverall, allstate has excellent customer service when you need to make a claim. they are responsive and quick to come out and check the damages.
AllstateI also love how personal it is to talk to my insurance agent.
AllstateCustomer service is very good. When I call my agent he usually takes my call and if he can't he returns my call very quickly and always finds the answers I need.
State FarmI recently had a claim due to a weather-related event. I was paid really fast and without having to haggle. I am very satisfied thus far with State Farm.
ProgressiveProgressive is slightly less a rip off than many other insurance companies I have had over the last 40 years. What I hate most is the annual premium always is going up. Even though I NEVER make claims like asshole neighbors seem to like doing.
AllstateAllstate's customer service is very friendly and professional. The take the time to understand my problem and work to quickly resolve it.
AllstateI don't like the fact that they are going to more automated services. There are competitors that are cheaper that are all automated. I pay this company because they used to provide personal service. If that leaves, I may switch.
ProgressiveI would recommend because overall your not going to find a better company out there who offers what they do.
Geiconever seems to cover anything and issue and after issue. call and call and never answeres aND THE ANSWERES I GET DONT MAKE SENSE.
AllstateI am very satisfied with my insurance company allstate. They have been really great and always providing me with the best customer service ever.