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.

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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

PlaceSavings For Senior Occupied Homes
Biloxi$143 to $145
St. Martin$140

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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Biloxi, MS5.9%20.5%
St. Martin5.95%22.14%

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 DeductibleHigh Deductible
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 InsuranceFarmers InsuranceAllstate
Monthly Premium 170332171
Year Built 198020131992
Home Details 5 Beds, 4 Baths4 Beds, 3 Baths3 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

Progressive 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 Farm
I 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.
I 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 Farm
They 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.
I'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 Farm
Small 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 Insurance
I think I would recommend it to others as it is reasonably priced and has caused me no problems this far.
Liberty Mutual
Liberty 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 Farm
My 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 Insurance
It 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.
I pay a very low deductible compared to my neighbors despite having a low deductible
I 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.
Overall, allstate has excellent customer service when you need to make a claim. they are responsive and quick to come out and check the damages.
I also love how personal it is to talk to my insurance agent.
Customer 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 Farm
I 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.
Progressive 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.
Allstate's customer service is very friendly and professional. The take the time to understand my problem and work to quickly resolve it.
I 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.
I would recommend because overall your not going to find a better company out there who offers what they do.
never seems to cover anything and issue and after issue. call and call and never answeres aND THE ANSWERES I GET DONT MAKE SENSE.
I am very satisfied with my insurance company allstate. They have been really great and always providing me with the best customer service ever.

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