Average homeowners insurance cost in Jackson, MS

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Our data shows that the average cost of homeowners insurance in Jackson is $3,517 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $1,013 more than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Jackson depend on several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Jackson, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Jackson.

Key Takeaways

The average cost of homeowners insurance in Jackson is $3,517 per year.
Allstate is the cheapest homeowners insurance company in Jackson with an average annual premium of $2,290 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $802 more a year for home insurance.

Average homeowners insurance cost per month

Residents of Jackson pay an average of $293 per month for homeowners insurance. This is $12 more than the state average of $281 and $84 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Jackson can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $2,715 per year in Jackson. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house

Jackson residents pay an average of $3,517 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 $802 per year.

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

Average homeowners insurance cost in Jackson by company

After comparing several homeowners insurance companies, Allstate offers the lowest rates in Jackson. Its average annual rate for homeowners in Jackson is $2,290 , while Southern Farm Bureau is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Jackson and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Jackson and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$2,290
Southern Farm Bureau	$2,674
State Farm	$2,929
Nationwide	$3,136
Farmers	$4,891
Travelers	$8,601
USAA*	$2,515

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

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Mississippi that can impact your home insurance

Living in Mississippi comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

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.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Jackson for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

How much is home insurance in other cities?

Biloxi

Gulfport

Hattiesburg

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.