Horn Lake Insurance Rates:

Horn Lake, MS homeowners insurance is nearly $786 to $1,067, about $65-$88/month. Our detailed guide reveals consumers can save as much as $370 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Mostly a franchised organization so people feel like they can get to know their individual broker more personally and not have the awkward interaction
Allstate
Despite being welcoming, helpful people, the citro group can have issues with efficiency. moving from a bigger city, this may just be an adjustment i need to make; the pace is much slower in burlington than that in boston.
Allstate
I found a phone app that they have and is real handy when you are making a claim as you can use it while walking through your home, to make items easier to record a claim.
Progressive
It is user-friendly. I can navigate it easily without little effort. I don't find the graphics that appealing, though.
Safeco Insurance
They can be annoying especially when it's time to pay or if they are offering you another insurance policy. They also send a lot of commercial ads in your email which consumes most of my email space.

Horn Lake, MS Homeowners Insurance By Home Value

Horn Lake, MS Home Value Total Homes % of Total Average Horn Lake, MS Homeowners Insurance
Less than $50,000 390 6.0% $231
$50,000 to $59,999 248 4.0% $490
$60,000 to $69,999 315 5.0% $611
$70,000 to $79,999 683 11.0% $713
$80,000 to $89,999 930 15.0% $805
$90,000 to $99,999 633 10.0% $898
$100,000 to $124,999 1,209 20.0% $1046
$125,000 to $149,999 626 10.0% $1305
$150,000 to $174,999 378 6.0% $1546
$200,000 to $249,999 278 4.0% $2139
$250,000 to $299,999 121 2.0% $2620
$300,000 to $399,999 138 2.0% $3324

Top Home Insurance Agents Near Horn Lake, MS

Home Insurance Company Near Horn Lake, MS Homeowners Insurance Agency Near Horn Lake, MS Address
State Farm Arther Wells 4205 Hacks Cross Rd Ste 116, Memphis, TN, 38125-3198
State Farm Jack Leonard 8110 Highway 51 North, Millington, TN, 38053
Farmers Mark Peacock 7929s Highway 70 Ste 5, Bartlett, TN, 38133
Travelers Smith-Berclair Insurance 855 RIDGE LAKE BLVD STE 400, MEMPHIS, TN, 38120
State Farm Stan Joyner 256 Poplar View Parkway, Collierville, TN, 38017-3112

Cost Of Homeowners Insurance By Street Near Horn Lake, MS

Streets in Horn Lake Area Homeowners Insurance Cost
W E Ross Pkwy W, Woodside Dr, Nickalus Ave, Caitlynn Cir W, S Ridge Dr, Custer Dr E, Boxwood Ln, Woody Dr, White Sands Dr, Nikki Dr$932
Northbrook Dr, Meadowbrook Dr, Old Star Landing Rd, Hickory Crest Dr, Southridge Cove, Lenox Cove, Tyler Dr, Cedar Lake Dr, Hughey Meadows Cove, Kalian Cove$958
Wayne Cove, Primrose Ln, Manchester St, Fairmeadow Dr, Carriage View Ln, Latimer Rd, Wills Way Cir S, Jennifer Dr, Shadow Hollow Dr, Vaught Cir$941
Brakeman Cove, Holbrook Cove, Man of War Dr, Tall Tree Dr, Pollard Dr, Trolley Ln, Winningham Dr, Cedar Cir E, Bent Grass Loop W, Pimlico Dr$968
Echo Ln, Brentwood Cove, Conrail Cir, Collinwood Rd, Joy Blvd S, Sweet Flag N, Old Hwy 61, Cresthill Dr, Coral Meadows Dr, Walnut Grove Rd$917

Horn Lake, MS Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Horn Lake$138 to $141
Lynchburg$142
Southaven$143
DeSoto County$144

Horn Lake, 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
Lynchburg CDP, Mississippi $143 $190 $285
Southaven city, Mississippi $143 $190 $285
DeSoto County, Mississippi $144 $192 $288

Horn Lake, 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
Horn Lake, MS7.7%23.5%
Lynchburg6.38%17.17%
Southaven6.28%23.95%
DeSoto County6.07%21.81%

Horn Lake Renters Insurance as a Percentage of Rent

Horn Lake Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 50 1.0% $807
$300 to $499 213 7.0% $1257
$500 to $749 262 9.0% $1932
$750 to $999 1,279 48.0% $2682
$1,000 to $1,499 806 30.0% $3807
$1,500 or more 53 1.0% $5457

Horn Lake, MS Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Horn Lake Homeowner Insurance Premium Example $3,800$3,300
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $12,900$12,400
Net Savings to Horn Lake Home Owner from High Deductible Plan $500

Horn Lake, MS Home Insurance Costs With Home Replacement Value Scenarios

Scenario Horn Lake, MS Home Replacement Value MORE than Home Value Horn Lake, MS Home Replacement Value LESS than Home Value
Replacement Value $146,000 $92,500
Insurance Premium based on Replacement Value $1,875 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $27,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $350/year

Example Horn Lake Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateNationwide Insurance
Monthly Premium 87107362
Year Built 200120121987
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $50000-$75000$125000-$150000$250000-$300000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Horn Lake, MS from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2004 100,000 Wood Shake Roof 1,850 3 $2500-$5000 Deductible 970 12 Stone Siding yes
1992 225,000 Tile Roof 4,080 5 > $10,000 Deductible 1180 9 Wood siding yes
1987 275,000 Membrane Roof 3,850 5 $1000-$2500 Deductible 1820 8 Fiber-Cement Siding No
2005 315,000 Composition Roof 4,490 5 > $10,000 Deductible 1660 10 Vinyl siding yes
1982 240,000 Asphalt Shingles Roof 3,290 5 $1000-$2500 Deductible 810 4 Brick siding yes
1988 70,000 Tile Roof 1,310 3 $2500-$5000 Deductible 410 7 Fiber-Cement Siding No
1998 100,000 Asphalt Shingles Roof 1,520 3 $2500-$5000 Deductible 850 7 Stucco siding No
2002 315,000 Metal Roof 4,420 5 > $10,000 Deductible 1600 7 Stone Siding yes
2012 190,000 Asphalt Shingles Roof 2,440 4 $500 Deductible 2350 12 Stucco siding No
2013 120,000 Wood Shake Roof 2,130 3 $500- $1000 Deductible 1320 9 Wood siding yes
2011 205,000 Slate Shingles Roof 2,480 4 $500 Deductible 830 3 Stone Siding yes
2012 130,000 Membrane Roof 1,830 4 $500- $1000 Deductible 2160 12 Wood siding yes
1994 310,000 Metal Roof 4,830 5 $5000 to $10,000 Deductible 1290 5 Stucco siding yes
2009 210,000 Asphalt Shingles Roof 3,290 4 $500- $1000 Deductible 1580 7 Stone Siding yes
1980 185,000 Shingles Roof 2,770 5 $500 Deductible 220 1 Vinyl siding No
2001 225,000 Shingles Roof 3,140 4 $500- $1000 Deductible 2280 12 Wood siding No
2006 160,000 Tile Roof 1,970 4 $1000-$2500 Deductible 580 4 Vinyl siding yes
2009 100,000 Membrane Roof 1,760 4 $500 Deductible 380 4 Brick siding No