Mississippi homeowners pay rates well below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Mississippi.
Best Homeowners Insurance Companies in Mississippi
Updated: August 14, 2026
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Mississippi's Top Home Insurance Companies: Key Takeaways
State Farm is the best home insurance provider in Mississippi with a score of 4.6 out of 5 from our review team.
USAA, Allstate, Nationwide and Foremost rank high for homeowners insurance in Mississippi based on affordable rates, strong customer service and reliable coverage.
The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.
What Are the Best Home Insurance Companies in Mississippi?
State Farm is the top pick for Mississippi homeowners, with the state's lowest premiums and above-average customer satisfaction scores. USAA, Allstate, Nationwide and Foremost round out the top five, each with strengths in military-focused service, quality coverage options and strong local agent networks.
State Farm | 4.6 | $4,349 | Most Mississippi homeowners |
USAA | 5.0 | $2,811 | Military families |
Allstate | 4.3 | $5,123 | Claims protection |
Nationwide | 4.3 | $4,786 | Digital tools |
Foremost Insurance | 4.3 | $2,558 | Cheapest rates |
*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 profile.
**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.
State Farm
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.3/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$4,349Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
USAA
MoneyGeek Rating
5.0/ 5
5/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$2,811Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Allstate
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
3.9/5Customer Experience
3.9/5Coverage
J.D. Power Customer Satisfaction Score
633/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$5,123Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Nationwide
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.2/5Customer Experience
2.9/5Coverage
J.D. Power Customer Satisfaction Score
641/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$4,786Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Foremost
MoneyGeek Rating
4.3/ 5
5/5Affordability
3.3/5Customer Experience
3.5/5Coverage
J.D. Power Customer Satisfaction Score
N/AFrom the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$2,558Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Best Mississippi Home Insurance by City
State Farm offers the most affordable home insurance across Mississippi's major cities, with annual premiums ranging from $4,291 to $4,369. The less than 2% rate spread between cities reflects similar risk profiles statewide.
| Biloxi | State Farm | $4,291 |
| Coffeeville | State Farm | $4,369 |
| Edwards | State Farm | $4,369 |
| Jackson | State Farm | $4,348 |
| Pearl | State Farm | $4,369 |
Cheapest Mississippi Home Insurance Companies
Mississippi homeowners pay $5,161 annually for home insurance, 49% more than the national average of $3,467. Foremost offers the state's most affordable home insurance at $2,558 annually, 50% below the state average. USAA ranks second at $2,811 per year, though it restricts coverage to military members, veterans and their families. Premiums vary. Travelers represents the expensive end, charging 227% above the national average.
Guide to Finding the Best Mississippi Home Insurance Company
Compare multiple providers based on your coverage needs, budget and service preferences.
Compare Quotes StrategicallyGet quotes from at least three to five insurers. Premiums among top Mississippi providers range from $2,558 to $5,123 annually. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.
Check Customer Satisfaction MetricsReview J.D. Power scores, which range from 633 to 737 among Mississippi's top providers, compared to the 642 industry average. Focus on recent customer reviews that detail claims handling during Mississippi's tornado season rather than just policy purchase experiences.
Evaluate Coverage NeedsBase your coverage around replacement cost rather than market value, especially important in Mississippi, where construction costs surge after hurricanes and tornadoes. Review extended or guaranteed replacement cost options alongside additional protections like wind/hail coverage, flood insurance and extended replacement cost that address your home's specific risks
Match Service Preferences to Provider StrengthsDigital-first insurers like Lemonade, Hippo and Root work well if you prefer online policy management, while State Farm, Allstate, and Farm Bureau offer strong local agent networks for face-to-face support. Avoid paying premium prices for features you won't use.
MISSISSIPPI HOME INSURANCE RISKS
Nineteen hurricanes hit Mississippi between 1851 and 2020, making it one of the most hurricane-prone states according to the National Oceanic and Atmospheric Administration. Mississippi insurers can add hurricane deductibles to homeowners policies, usually 2% to 5% of your home's insured value. Standard homeowners insurance covers hurricane wind damage but excludes flooding. You'll need separate flood coverage through your insurer or the National Flood Insurance Program.
Top-Rated Home Insurance Companies in Mississippi: FAQ
Replacement cost coverage pays to rebuild your home or replace belongings at current prices without deducting for depreciation. Actual cash value coverage subtracts depreciation from claim payments. You receive less money based on your property's age and condition. Actual cash value policies cost less up front but leave you covering more expenses out of pocket after a loss.
Yes, standard homeowners insurance in Mississippi excludes flood damage, so you need separate flood coverage through your insurer or the National Flood Insurance Program.
Mississippi insurers can add hurricane deductibles to homeowners policies, typically 2% to 5% of your home's insured value. For example, if your home is insured for $200,000 with a 3% hurricane deductible, you'd pay $6,000 out of pocket before coverage kicks in after hurricane damage.
You can get home insurance with a trampoline or swimming pool, though insurers consider these features liability risks. Most companies require higher premiums or additional liability coverage of at least $300,000. Safety compliance is mandatory: trampolines need nets and padding, while pools require fencing and self-closing gates.
Our Methodology: Determining the Best Mississippi Home Insurers
Mississippi homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.
We scored insurers across three factors:
- Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.
- Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback show how each insurer handles claims after storm damage.
- Coverage options (15%): Add-on availability, including water backup protection and inland flood options, determined the remaining 15%.
Our Sample Profile
Rates reflect a homeowner aged 41 to 60 with good credit and no prior claims, insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.
Your rates will vary based on your home's age, location, claims history and credit score.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- NOAA. "Storm Events Database." Accessed August 14, 2026.