The best home insurance companies in Mississippi are State Farm, Nationwide, Mississippi Farm Bureau, Allstate, and Foremost Insurance. State Farm leads in both affordability and customer service, while Nationwide excels in coverage options. Compare all our top picks below.
Best Homeowners Insurance in Mississippi
Updated: June 20, 2025
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Key Takeaways
Our 2025 study found Mississippi's top three home insurance companies: State Farm, Nationwide, and Mississippi Farm Bureau.
State Farm offers the best overall home insurance for most homeowners in Mississippi. For those with older homes, it's also the top choice.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Mississippi?
| State Farm | 94 | 1 | 1 | 3 |
| Nationwide | 82 | 3 | 2 | 1 |
| Mississippi Farm Bureau | 76 | 2 | 4 | 5 |
| Allstate | 67 | 5 | 3 | 3 |
| Foremost Insurance | 64 | 4 | 5 | 1 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what's best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 94 | Overall |
| State Farm | 94 | Older Homes |
| State Farm | 94 | Newer Homes |
| State Farm | 94 | High-Fire-Risk Areas |
| State Farm | 94 | Bad Credit |
| State Farm | 94 | With Claims History |
Best Mississippi Home Insurance Reviews
Discover the top home insurance providers in Mississippi, spotlighting those who excel in affordability, customer service, and offering a range of coverage options.
State Farm: Best for Affordability and Customer Service
State Farm is the most affordable home insurance provider for most Mississippi homeowners. It also ranks as the top option for customer service in our study, placing seventh in customer satisfaction according to J.D. Power. Also, State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $166 | $1,997 |
| Newer Homes | $166 | $1,997 |
| Older Homes | $290 | $3,482 |
| Older Homes in High-Fire-Risk Areas | $290 | $3,482 |
Nationwide: Best for Coverage
Nationwide is the third most affordable option for home insurance in Mississippi and the top option for coverage in the state. Its extensive coverage includes unique add-ons like Better Roof Replacement for stronger materials after a loss, Brand New Belongings® to replace items without depreciation, and a Smart Home Program with free monitoring devices to help prevent water damage. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $209 | $2,506 |
| Newer Homes in High-Fire-Risk Areas | $214 | $2,570 |
| Older Homes | $367 | $4,401 |
| Older Homes in High-Fire-Risk Areas | $376 | $4,514 |
How to Find the Best Home Insurance in Mississippi
Finding the right insurance can be tricky, so we've provided a simple guide to help you choose the best coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value, your personal belongings and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in Mississippi to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Mississippi. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through online estimates and by contacting brokers or agents over the phone.
- 5
Review and finalize your coverage
After selecting a provider, thoroughly review your policy details. Check that your coverage limits, deductibles and terms are aligned with your needs.
Best Homeowners Insurance in Mississippi: Bottom Line
State Farm, Mississippi Farm Bureau and Nationwide are the best-rated homeowners insurance providers in Mississippi. While we recommend these options, researching and comparing providers can help you find the best fit for your needs.
Best Home Insurance in Mississippi: FAQ
To help you choose wisely, we've answered common questions about selecting a home insurance provider in Mississippi.
Which company is best for home insurance in Mississippi?
State Farm is the best homeowners insurance provider in Mississippi, offering great affordability, customer service, and robust coverage options. Nationwide, Mississippi Farm Bureau, Allstate and Foremost also receive high ratings in the state.
Who has the most affordable homeowners insurance in Mississippi?
Affordable homeowners insurance in Mississippi varies by your housing profile and insurance needs. However, Mississippi's average homeowners insurance cost is $3,340 annually.
How do you get the best homeowners insurance in Mississippi?
To find the best home insurance in Mississippi, evaluate your coverage essentials, review costs and insurers and solicit multiple quotes for comparison.
How We Decided the Best Home Insurance in Mississippi: Our Methodology
We rated the best homeowners insurance providers in Mississippi using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.