Average homeowners insurance cost in Hattiesburg, MS

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In Hattiesburg, homeowners pay an average annual rate of $3,854 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,350 more than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Hattiesburg, the cost of home insurance is influenced by several factors, including:

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

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Hattiesburg, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Hattiesburg.

Key takeaways

In Hattiesburg, homeowners insurance costs $3,854 annually.
Allstate offers the most affordable homeowners insurance in Hattiesburg with an average annual premium of $2,457.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $946 higher.

Average homeowners insurance cost in Hattiesburg per month

According to our rate analysis, homeowners in Hattiesburg pay an average of $321 per month. It’s $40 more than the state average of $281 and $112 more than the national average for home insurance across the United States.

In Hattiesburg, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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 amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

According to a rate analysis by Insure.com, homeowners in Hattiesburg pay an average of $3,854 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

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. It would be best to buy enough insurance to cover the full 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 Hattiesburg by Company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Hattiesburg. It’s average annual rate for Hattiesburg homeowners is $2,457. Southern Farm Bureau ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $3,296.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Hattiesburg and prepared a list of the cheapest home insurance providers. You can find below the Hattiesburg home insurance companies and their average annual premium.

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

Methodology

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