Jones County, MS Home Insurance - Analysis On Quotes, Rates & Agents
Jones County Insurance Rates:
Jones County, MS homeowners insurance is approximately $781 to $1,059, about $65-$88/month. Our all inclusive research reveals consumers can save upto $368 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Reduce Home Insurance Costs in Jones County, MS
If you own a home in Jones County, Mississippi, you need to have homeowners insurance. This type of insurance policy will protect your home and belongings in the event of damage or theft. It will also provide liability coverage if someone is injured on your property. Homeowners insurance is an important part of being a responsible homeowner, and it can give you peace of mind in knowing that your home is protected.
In Jones County, MS, homeowners insurance typically costs $1001. Home insurance rates in Lafayette, Iowa, can vary based on a number of factors, such as the level of protection, the deductible, the age of the house, the number of claims in the past, the area where you live, and the materials used to build your home. Therefore, it is essential to comprehend their house insurance requirements before moving forward. Here are some methods to reduce your homeowner's insurance costs in Jones County, MS.
By Choosing a Higher Deductible
Reducing your homeowners insurance costs in Jones County, MS, can be as easy as choosing a higher deductible. By increasing your deductible, you are telling your insurance company that you are willing to pay more out-of-pocket costs in case of a claim. In return, your insurance company may be willing to offer you a lower premium. You should never choose a deductible that you cannot afford to pay. Otherwise, you could be stuck with a large bill and no insurance coverage to help pay for it. But if you can afford to pay a little more out-of-pocket, increasing your deductible could be a smart way to reduce your overall homeowners insurance costs. For deductibles of 1500 and 2000, homeowners in Jones County, MS, pay premiums of $842.24 and $764.56, respectively. On the other hand, homeowners with 500 and 1000-dollar deductibles pay $988.99 and $894.69, respectively. As a result, the higher the deductible in Jones County, MS, the lower the premium.
Install Safety Devices
As Jones County, MS, homeowners insurance policyholders well know, their policy is designed to protect their home and belongings in the event of a covered loss. But many don't realize that their insurance policy also protects against liability exposure. That's why policyholders need to install safety devices in their homes, which can help to lower their insurance costs. Installing safety equipment in your homes, such as smoke detectors, fire extinguishers, and deadbolt locks is one of them. These features might help you save money on insurance by making your home safer. In Jones County, MS, homeowners with fire extinguishers pay $930.93 for homeowners insurance.
Maintaining a Zero Claims History
When it comes to Jones County homeowners insurance, one of the best ways to keep your rates low is to maintain a zero-claims history. Insurance companies view customers with no claims as less of a risk, and as a result, they are often rewarded with lower rates. For instance, in Jones County, Mississippi, homeowners have to pay a premium of $880.88 with no prior claims. In contrast, in Jones County, MS, homeowners with one or two claims must pay $1051.05 and $1121.12 for home insurance.
Jones County, MS Homeowners Insurance By Home Value
| Jones County, MS Home Value | Total Homes | % of Total | Average Jones County, MS Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 4,629 | 26.0% | $257 |
| $50,000 to $59,999 | 1,222 | 6.0% | $552 |
| $60,000 to $69,999 | 1,176 | 6.0% | $690 |
| $70,000 to $79,999 | 1,389 | 7.0% | $791 |
| $80,000 to $89,999 | 996 | 5.0% | $901 |
| $90,000 to $99,999 | 879 | 4.0% | $1012 |
| $100,000 to $124,999 | 1,753 | 9.0% | $1168 |
| $125,000 to $149,999 | 1,026 | 5.0% | $1462 |
| $150,000 to $174,999 | 1,406 | 7.0% | $1729 |
| $175,000 to $199,999 | 793 | 4.0% | $1996 |
| $200,000 to $249,999 | 1,260 | 7.0% | $2401 |
| $250,000 to $299,999 | 577 | 3.0% | $2934 |
| $300,000 to $399,999 | 503 | 2.0% | $3726 |
Top Home Insurance Agents Near Jones County, MS
| Home Insurance Company Near Jones County, MS | Homeowners Insurance Agency Near Jones County, MS | Address |
|---|---|---|
| State Farm | Dale Rayborn | 2017 Hardy St, Hattiesburg, MS, 39401-4985 |
| Nationwide | David M. Smith | 6218 U S Hwy 49, Hattiesburg, MS, 39401-4748 |
| Allstate | David Niezgoda | 103B W Holly St, Ellisville, MS, 39437 |
| Allstate | Sammy G Robbins | 262 S High School Ave Ste 3, Columbia, MS, 39429 |
| Liberty Mutual Independent | Southern Insurance Group Llc | 418 SUMRALL RD STE 5, COLUMBIA, MS, 39429 |
Jones County, MS Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Jones County, MS
| Streets in Jones County Area | Homeowners Insurance Cost |
|---|---|
| James Houston Rd, Reedy Creek Rd Exn, Flowers St, Howell St, Capitol St, Dallas Brownlee Rd, Tiger Creek Rd, Lower Myrick Rd, Teresa St, Syamore St | $918 |
| Hallelujah Dr, Holly Rd, Harris Estate Rd, Oil Rd, Overstreet Rd, Triple H Rd, Hopson Trailer Rd, Longhorn Rd, Chantilly St, Dairy Rd | $906 |
| Brett Ridge Rd, College Dr, Reid Dr, Spradley Rd, Karen Walters Rd, Gopher Hill Rd, Walters Loop, Donald Dr, Elizabeth Ave, Ulmer Rd | $932 |
| Dogwood Ave, Bridgewood Ln, Barney Dr, Lawrence Ishee Rd, S 14th Ave, Mullican Rd, N Deason St, Hebron Scarbrough Rd, Mill St, N 16th Ave | $951 |
| Bush Rd, Will Hayes Rd, Beard St, Ned Dillard Rd, Houston Rd, Robins Rd, Bethel Church Rd, N Joe Wheeler Ave, Tommy Robinson Rd, Bill Touchstone Rd | $916 |
| Sanderson Dr, Broadway Dr, Wren-Sam Rd, Clay Taylor Rd, Pampas Dr, Monroe St, Giles Rd, Wallace Dr, Ken Ellzey Camp Rd, Cheyenne Dr | $930 |
| Haddon St, Hobson Traylor Rd, Masonite Rd, N 7th Ave, Moselle Rd, Harrison Blvd, Mays Dr, Bimaka Dr, Calhoun Rd, Shane Dr | $907 |
| Old River Rd, Riley Todd Rd, McVey Rd, Moore Rd, Lilly Ln, S Court St, Gavin Mills Rd, N Eastabutchie Rd, Red Hill Crosssing Rd, Stephen Ave | $918 |
| Sandhill Loop Rd, Hillcrest Dr, Quick Rd, Jim Walters Rd, Mt Williams Rd, Calma Dr, Davidson St, Main St, Johnson Rd, W 16th St | $951 |
| Jackson St, Dick Sumrall Rd, Laurel Dr, E Oak St, Woodbury Dr, Frankie Walters Rd, Butler, Hickory St, Family Cir, Lee Powell Rd | $902 |
Jones County, MS Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Jones County | $137 to $140 |
| Ellisville | $137 |
| Soso | $139 |
| Sandersville | $135 |
Jones County, 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 |
|---|---|---|---|
| Ellisville city, Mississippi | $114 | $152 | $228 |
| Laurel city, Mississippi | $114 | $152 | $228 |
| Soso town, Mississippi | $116 | $154 | $231 |
Jones County, 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 |
|---|---|---|
| Jones County, MS | 7.8% | 24.2% |
| Ellisville | 9.92% | 23.53% |
| Laurel | 8.43% | 22.17% |
| Soso | 7.27% | 24.14% |
Jones County Renters Insurance as a Percentage of Rent
| Jones County Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 200 | 3.0% | $360 |
| $200 to $299 | 439 | 7.0% | $810 |
| $300 to $499 | 1,126 | 20.0% | $1260 |
| $500 to $749 | 1,977 | 35.0% | $1935 |
| $750 to $999 | 1,294 | 23.0% | $2685 |
| $1,000 to $1,499 | 439 | 7.0% | $3810 |
Latest Home Insurance Reviews
AllstateOur insurance company says it won't raise rates if you have a good driving record. but our rates go up every six months now and they won't change it.
AllstateMy branch, in particular, is very helpful and quick to respond. This is true of my car or homeowners insurance. They also send periodic emails asking me if IÃḃ€™d like them to rerun my account to see if any discounts are available.
Liberty MutualSOME FAR I REALLY HAVENT FOUND ANYTHING THAT I DISLIKE ABOUT USAA IN GENERAL. I WOULD LIKE MYT RATE FOR INSURANCE TO BE LOWER, BUT THAT HAS NOTHING TO DO WITH THEIR SERVICE
NationwideI dislike nothing about this company I have been really satisfied with this companies service.
AllstateLarge, well-known company. They handle claims well and I feel like because the company is big I am taken care of. The local agent is very friendly.