Average homeowners insurance cost in Hattiesburg, Mississippi

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In Hattiesburg, homeowners pay an average annual rate of $3,854 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $1,350 more than the national average of $2,504 .

Homeowners insurance rates change from one home to another. The home insurance premium in Hattiesburg depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Hattiesburg, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Hattiesburg.

Key Takeaways

The average cost of homeowners insurance in Hattiesburg is $3,854 per year.
Allstate is the cheapest homeowners insurance company in Hattiesburg with an average annual premium of $2,457 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $946 more a year for home insurance.

Average homeowners insurance cost per month

Residents of Hattiesburg pay an average of $321 per month for homeowners insurance. This is $40 more than the state average of $281 and $112 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Hattiesburg can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Hattiesburg

The average cost of homeowners insurance in Hattiesburg, MS is $2,908 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

Average homeowners insurance cost for a $300,000 house

Hattiesburg residents pay an average of $3,854 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $946 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

Average homeowners insurance cost in Hattiesburg by company

Among the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Hattiesburg. Its average annual rate for homeowners in Hattiesburg is $2,457 , while Southern Farm Bureau ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Hattiesburg and compiled a list of the most affordable home insurance companies.

Below are details of Hattiesburg home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$2,457
Southern Farm Bureau	$3,115
State Farm	$3,296
Nationwide	$4,195
Farmers	$5,440
Travelers	$9,306
USAA*	$2,288

*USAA is only available to military community members and their families.

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Mississippi that can impact your home insurance

Natural disasters are a part of life in Mississippi, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Mississippi is commonly affected by Heat wave.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Pro tip: Review your policy annually

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Hattiesburg for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.