Gavop's guide to buying homeowners insurance in Pontotoc, MS covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $42,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $100,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $94,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $169,500 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $131,500 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $719 |
| Superior Protection Discount | -$78 | $788 |
| Fire & Security Discount | -$95 | $771 |
| Hail Resistant Roof Discount | -$17 | $849 |
| Newly Constructed Home Discount | -$191 | $675 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,513 |
| Hail Damage | $4,759 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $43,782 |
| Smoke | $16,051 |
| Home Insurance Company Pontotoc, MS | Homeowners Insurance Agency Pontotoc, MS | Address | Popularity Score | Distance from Pontotoc (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Lyon Insurance Agency Inc | 325 Commerce St, West Point, MS, 39773 | 49.2 | |
| Liberty Mutual Independent | Lyon Insurance Agency Inc | 325 Commerce Street West Point , West Point, MS, 39773 | 49.1 | |
| Travelers | Smith & Riles Agency Llc | 1600 West Main St Ste C, Tupelo, MS, 38801 | 15.8 | |
| Allstate | Nathan Dyson | 704 Hillcrest Dr Ste B, Tupelo, MS, 38804 | 16.9 | |
| State Farm | Jimmy Carr | 2627a West Oxford Loop, Oxford, MS, 38655-5442 | 33.1 | |
| State Farm | Lonnie Harris | 101 Access Rd, Fulton, MS, 38843-8419 | 34.6 | |
| State Farm | Robert Gaines | 922 S Gloster St, Tupelo, MS, 38801-6312 | 16.6 | |
| Allstate | Justin Roberts | 115 State Highway 15 S, New Albany, MS, 38652 | 15.8 | |
| Travelers | Ridgecrest Insurance | 274 West Oxford Street, Pontotoc, MS, 38863 | 0.5 | |
| State Farm | Pam Brown | 408 East Bankhead, New Albany, MS, 38652-3911 | 16.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Mississippi | $109,300 | $1,158 | $780 | $1,660 | $880 |
| Pontotoc County, MS | $102,100 | $791 | $530 | $1,120 | $590 |
| Pontotoc, MS | $118,900 | $866 | $580 | $1,190 | $610 |
| Houston, MS | $64,100 | $847 | $570 | $1,170 | $600 |
| Vardaman, MS | $54,900 | $777 | $560 | $1,070 | $510 |
| Baldwyn, MS | $99,300 | $1,094 | $740 | $1,520 | $780 |
| Pittsboro, MS | $62,500 | $835 | $580 | $1,190 | $610 |
| Tippah County, MS | $86,000 | $843 | $620 | $1,190 | $570 |
| Booneville, MS | $104,300 | $801 | $580 | $1,140 | $560 |
| Snow Lake Shores, MS | $88,300 | $1,020 | $690 | $1,410 | $720 |
| Marshall County, MS | $94,300 | $987 | $710 | $1,410 | $700 |
| Hamilton, MS | $115,900 | $1,199 | $880 | $1,710 | $830 |