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.
Latest Home Insurance Reviews
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.
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.
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 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |