Average homeowners insurance cost in Jackson, MS

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In Jackson, homeowners pay an average annual rate of $3,517 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,013 more than the national average of $2,504.

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

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

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right 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 cost of your homeowners insurance policy in Jackson can vary based on factors such as your location, the value of your home, and the coverage options you select.
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 pay $802 more, annually for home insurance.

Average homeowners insurance cost in Jackson per month

Jackson homeowners pay an average of $293 a month, based on our rate analysis. It’s $12 more than the state average of $281 and $84 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Jackson may vary depending on where you live, the value of your home, and the coverage you choose.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,715 per year in Jackson, MS. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

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

Average homeowners insurance cost for a $300,000 house in Jackson

As per rate analysis by Insure.com, homeowners residing in Jackson typically pay an average of $3,517 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $802 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Jackson by company

After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in Jackson. It’s average annual rate for homeowners in Jackson is $2,290.

Southern Farm Bureau holds the second position, while State Farm secures the third spot with an average annual home insurance rate of $2,929.

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

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 $1,000 deductible. The data presented are those with a good credit tier alignment.