Starkville Insurance Rates:

Starkville, MS homeowners insurance is roughly $805 to $1,103, about $67-$91/month. Our comprehensive analysis reveals consumers can save as much as $381 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Our agent is great. any time there's a problem he's quick to solve it. the couple times my husband forgot to pay the payment he was good about getting with us so there was no penalty.
Allstate
When i first started with the insurance company the people in the office were really mean and eager to leave for break
Farmer's Insurance
Their agents are all over the nation. it gives a good discount for good students and it provides online services
Farmer's Insurance
The company's website is pretty easy to use. I haven't had any trouble navigating it so far.
Nationwide
Our communication has been limited, but with what we have needed it has been fine.
Travelers
I would like to say they communicate or interact pretty much on like other insurances. It is easy to reach them over the phone any time of the day.
Allstate
I feel I pay a little more than some of my neighbors, but when the hurricane came through a few months ago, and hail ruined vehicles and roofs, we had zero issues with USAA and the deductible was less than theirs

Starkville, MS Homeowners Insurance By Home Value

Starkville, MS Home Value Total Homes % of Total Average Starkville, MS Homeowners Insurance
Less than $50,000 521 14.0% $162
$50,000 to $59,999 42 1.0% $352
$60,000 to $69,999 142 4.0% $438
$70,000 to $79,999 99 2.0% $505
$80,000 to $89,999 164 4.0% $572
$90,000 to $99,999 204 5.0% $639
$100,000 to $124,999 464 13.0% $744
$125,000 to $149,999 376 10.0% $934
$150,000 to $174,999 374 10.0% $1106
$175,000 to $199,999 167 4.0% $1268
$200,000 to $249,999 432 12.0% $1535
$250,000 to $299,999 316 8.0% $1869
$300,000 to $399,999 217 6.0% $2385

Top Home Insurance Agents Near Starkville, MS

Home Insurance Company Near Starkville, MS Homeowners Insurance Agency Near Starkville, MS Address
NA Meek Ins Agcy 62 North Dunn, Eupora, MS, 39744
State Farm Bert Parish 231 E Walnut Ave, Eupora, MS, 39744-2099
Allstate Custom Coverages Ins. Agency Llc 123 S Newburger Ave, Bruce, MS , 38915
Travelers Hardy Insurance Services Inc 2203 Highway 45 N, COLUMBUS, MS, 39705
Travelers Insurance Associates Of Starkville 807 Hwy 12 W, Starkville, MS, 39759

Cost Of Homeowners Insurance By Street Near Starkville, MS

Streets in Starkville Area Homeowners Insurance Cost
P D Fulgham Rd, Bulldog Cir, Azalea Ln, Barr Rd, Colony Rd, Thompson Rd, Mockingbird Ln, Pike Rd, S Lake Rd, Scales St$937
Crigler Rd, Campus View Dr, Maxwell St, Butler Rd, Russell St, Fellowship St, McKenzie Rd, Frye Rd, Hurst Ln, E Bound St$949
Runt Rd, Mohawk St, Talley Ho Rd, Pat Station Rd, Oktibbeha Dr, Robindale Rd, Jackson St, Old Hwy 12, Kenney Rd, Edgewood Dr$946
Cedar Ln, Meadowlark Dr, Ridge Rd, Johnny B Ln, Sturgis-West Point Rd, Bass Cove, W Williamsburg Dr, Ward Dr, Ofahoma St, Logan Dr$927
Livingston Dr, Bell Oaks Dr, Middle Ct, N McKinnon St, McCool Rd, Hickory Ridge Rd, Tidewater Ln, House Dr, Railroad Spur Rd, Carver Dr$922
Dawkins Rd, Shasta St, Vaughan Rd, Stark Rd, Janelle St, Phillips Rd, Pine Cir, Barron Rd, Strange Rd, Jeff Peay Rd$931
2nd Ave, E Gillespie St, Robinhood Rd, Hill Top Rd, Penny Ln, Old W Point Rd, Oak St, Josie Allen Rd, Old Hwy 82 W, Blackjack Rd$932
E J Rd, Lakeshore Dr, Lyndale St, Magnolia St, Sand Wedge Dr, Watershed Rd, Brown Rd, Redbud Rd, Bent Brook Dr, Hwy 389$921
Hill Rd, E Lee Blvd, S Jackson St, Nottingham Rd, Sharon Rd, Sagewood Dr, US Hwy 82, Peoples St, Kirck Cauldy Dr, Hardy Blvd$899
Hwy 82 E, E Williamsburg Dr, N Apache Dr, Setter St, Reed Rd, Worley St, Whitfield St, Hillbrook St, Riviera Rd, Beaver Creek Rd$935

Starkville, MS Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Starkville$142 to $144
Oktibbeha County$141
Artesia$135
Clay County$137

Starkville, 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
Oktibbeha County, Mississippi $141 $188 $282
Artesia town, Mississippi $135 $180 $270
Clay County, Mississippi $137 $183 $275

Starkville, 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
Starkville, MS7%20.4%
Oktibbeha County7.13%20.91%
Artesia8.65%27.27%
Clay County8.35%20.22%

Starkville Renters Insurance as a Percentage of Rent

Starkville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 112 1.0% $345
$200 to $299 206 3.0% $795
$300 to $499 1,051 17.0% $1245
$500 to $749 2,801 45.0% $1920
$750 to $999 1,332 21.0% $2670
$1,000 to $1,499 494 8.0% $3795
$1,500 or more 120 1.0% $5445

Starkville, MS Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$4,700
Yearly Starkville Homeowner Insurance Premium Example $2,200$1,700
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $19,300$18,300
Net Savings to Starkville Home Owner from High Deductible Plan $1,000

Starkville, MS Home Insurance Costs With Home Replacement Value Scenarios

Scenario Starkville, MS Home Replacement Value MORE than Home Value Starkville, MS Home Replacement Value LESS than Home Value
Replacement Value $105,500 $64,000
Insurance Premium based on Replacement Value $1,425 $850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,000 Risk Exposure from Under Insuring Coverage is $17,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $325/year

Example Starkville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceLiberty Mutual
Monthly Premium 150168515
Year Built 201020041998
Home Details 2 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $125000-$150000$200000-$250000$350000-$400000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1982 100,000 Shingles Roof 1,010 2 $500- $1000 Deductible 260 2 Stucco siding No
1981 115,000 Composition Roof 1,560 2 $500- $1000 Deductible 1520 10 Vinyl siding yes
1982 125,000 Membrane Roof 1,530 3 $500 Deductible 560 3 Vinyl siding No
1998 225,000 Slate Shingles Roof 3,060 5 $1000-$2500 Deductible 1070 6 Brick siding No
1982 135,000 Shingles Roof 1,750 2 $2500-$5000 Deductible 1250 12 Stone Siding yes
1989 105,000 Slate Shingles Roof 1,120 2 $500 Deductible 1150 10 Wood siding yes
1986 270,000 Composition Roof 3,620 5 $500 Deductible 360 1 Fiber-Cement Siding No
1991 95,000 Composition Roof 1,350 3 $2500-$5000 Deductible 840 12 Stucco siding No
2012 215,000 Composition Roof 2,170 4 $5000 to $10,000 Deductible 1290 7 Brick siding yes
1973 100,000 Wood Shake Roof 1,460 2 $1000-$2500 Deductible 710 6 Vinyl siding No
2014 255,000 Composition Roof 2,750 4 > $10,000 Deductible 1210 9 Wood siding No
1999 170,000 Tile Roof 1,810 5 $1000-$2500 Deductible 960 6 Wood siding yes
1991 80,000 Wood Shake Roof 1,040 2 $1000-$2500 Deductible 650 12 Wood siding yes
2001 80,000 Slate Shingles Roof 1,040 2 $500- $1000 Deductible 230 2 Wood siding No
1991 330,000 Wood Shake Roof 3,190 4 $500- $1000 Deductible 3680 12 Wood siding yes
2004 190,000 Asphalt Shingles Roof 2,040 4 $500 Deductible 520 2 Fiber-Cement Siding yes
1999 135,000 Asphalt Shingles Roof 1,490 3 $500 Deductible 1660 9 Brick siding yes
1984 205,000 Metal Roof 2,180 4 $1000-$2500 Deductible 2250 10 Stucco siding No
1972 95,000 Asphalt Shingles Roof 1,130 2 $1000-$2500 Deductible 770 10 Fiber-Cement Siding No
1973 115,000 Membrane Roof 1,330 2 $2500-$5000 Deductible 440 4 Fiber-Cement Siding yes
1974 110,000 Tile Roof 1,460 2 $2500-$5000 Deductible 710 6 Brick siding yes
1975 90,000 Composition Roof 910 2 $2500-$5000 Deductible 500 6 Vinyl siding No
1982 165,000 Asphalt Shingles Roof 1,580 3 $1000-$2500 Deductible 1380 8 Vinyl siding No
2008 345,000 Tile Roof 3,750 5 $5000 to $10,000 Deductible 2970 8 Brick siding No
1993 120,000 Metal Roof 1,710 2 $2500-$5000 Deductible 350 3 Stucco siding yes
2000 300,000 Wood Shake Roof 3,920 5 $500 Deductible 1370 3 Brick siding yes
1976 75,000 Slate Shingles Roof 950 2 $500- $1000 Deductible 130 2 Stucco siding yes
2009 70,000 Wood Shake Roof 960 2 $500 Deductible 220 3 Wood siding No
2014 115,000 Composition Roof 1,190 2 $2500-$5000 Deductible 230 2 Wood siding yes
2014 105,000 Wood Shake Roof 1,190 2 $500 Deductible 1980 12 Wood siding No