Gavop shows you how to buy homeowners insurance in Oxford, MS by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $68,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $175,500 | $160,000 | $150,000-$175,000 |
| 3 Bedroom | $153,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $336,500 | $300,000 | $350,000-$400,000 |
| 5 Bedroom | $436,500 | $390,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $831 |
| Superior Protection Discount | -$100 | $901 |
| Fire & Security Discount | -$100 | $901 |
| Hail Resistant Roof Discount | -$20 | $981 |
| Newly Constructed Home Discount | -$220 | $781 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Lafayette County | $1,000 | $1,368 | $2,368 | $994 | $1,994 | $374 |
| Oxford, MS | $700 | $989 | $1,689 | $719 | $1,419 | $270 |
| Sardis, MS | $300 | $923 | $1,223 | $671 | $971 | $252 |
| Hickory Flat, MS | $700 | $914 | $1,614 | $664 | $1,364 | $250 |
| Ecru, MS | $400 | $1,073 | $1,473 | $780 | $1,180 | $293 |
| Tate County, MS | $700 | $805 | $1,505 | $585 | $1,285 | $220 |
| Darling, MS | $300 | $685 | $985 | $498 | $798 | $187 |
| Grenada County, MS | $1,000 | $874 | $1,874 | $635 | $1,635 | $239 |
| Quitman County, MS | $500 | $689 | $1,189 | $501 | $1,001 | $188 |
| Lambert, MS | $2,500 | $649 | $3,149 | $472 | $2,972 | $177 |
| Moscow, TN | $2,000 | $809 | $2,809 | $588 | $2,588 | $221 |
| Home Insurance Company Oxford, MS | Homeowners Insurance Agency Oxford, MS | Address | Popularity Score | Distance from Oxford (miles) |
|---|---|---|---|---|
| Allstate | William Stevenson Jr | 7164 Hacks Cross Rd Ste 111, Olive Branch, MS, 38654 | 44.4 | |
| State Farm | Jimmy Carr | 2627a West Oxford Loop, Oxford, MS, 38655-5442 | 2.5 | |
| State Farm | Nathan Burnett | 316 Sunset Dr, Grenada, MS, 38901-4434 | 43.9 | |
| Allstate | Justin Roberts | 115 State Highway 15 S, New Albany, MS, 38652 | 31.2 | |
| State Farm | Rich Potter | 71 S Thomas St, Tupelo, MS, 38801-4352 | 45.3 | |
| State Farm | Marti Stark | 1007 N Lamar Blvd Ste 4, Oxford, MS, 38655-2864 | 1.4 | |
| Allstate | Milton Cushman | 9356 Goodman Rd Ste 102, Olive Branch, MS, 38654 | 44.7 | |
| State Farm | Ronnie Darby | 157 Highway 6 W, Batesville, MS, 38606-2508 | 24.1 | |
| State Farm | Kathy Voyles | 1903 City Ave N, Ripley, MS, 38663-1114 | 43.2 | |
| State Farm | Andi Epes | 410 N Main St, Water Valley, MS, 38965-2506 | 15.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Mississippi | $109,300 | $1,158 | $800 | $1,590 | $790 |
| Lafayette County, MS | $177,300 | $1,384 | $1,010 | $1,900 | $890 |
| Oxford, MS | $245,400 | $1,001 | $680 | $1,390 | $710 |
| Sardis, MS | $76,000 | $934 | $680 | $1,320 | $640 |
| Hickory Flat, MS | $74,700 | $925 | $670 | $1,270 | $600 |
| Ecru, MS | $98,200 | $1,086 | $750 | $1,500 | $750 |
| Tate County, MS | $107,400 | $815 | $590 | $1,120 | $530 |
| Darling, MS | $44,300 | $693 | $490 | $990 | $500 |
| Grenada County, MS | $93,200 | $885 | $590 | $1,230 | $640 |
| Quitman County, MS | $51,400 | $698 | $480 | $990 | $510 |
| Lambert, MS | $39,800 | $657 | $470 | $910 | $440 |
| Moscow, TN | $87,700 | $819 | $580 | $1,140 | $560 |