Gavop's guide to buying homeowners insurance in Holmes County, 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 | $30,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $58,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $103,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $134,500 | $120,000 | $100,000-$125,000 |
| 5 Bedroom | $228,500 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $594 |
| Superior Protection Discount | -$62 | $629 |
| Fire & Security Discount | -$55 | $636 |
| Hail Resistant Roof Discount | -$21 | $670 |
| Newly Constructed Home Discount | -$180 | $511 |
| 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 |
| Holmes County | $1,000 | $683 | $1,683 | $496 | $1,496 | $187 |
| Holmes County, MS | $1,500 | $683 | $2,183 | $496 | $1,996 | $187 |
| Lexington, MS | $400 | $793 | $1,193 | $577 | $977 | $217 |
| Tchula, MS | $1,500 | $677 | $2,177 | $492 | $1,992 | $185 |
| Durant, MS | $400 | $754 | $1,154 | $548 | $948 | $206 |
| Goodman, MS | $2,500 | $704 | $3,204 | $512 | $3,012 | $193 |
| Yazoo City, MS | $200 | $755 | $955 | $549 | $749 | $206 |
| Winona, MS | $1,000 | $950 | $1,950 | $691 | $1,691 | $260 |
| Ethel, MS | $300 | $839 | $1,139 | $610 | $910 | $229 |
| Schlater, MS | $2,500 | $811 | $3,311 | $589 | $3,089 | $222 |
| Flora, MS | $400 | $1,292 | $1,692 | $939 | $1,339 | $353 |
| Standing Pine, MS | $1,000 | $1,888 | $2,888 | $1,372 | $2,372 | $516 |
| Home Insurance Company Holmes County, MS | Homeowners Insurance Agency Holmes County, MS | Address | Popularity Score | Distance from Holmes County (miles) |
|---|---|---|---|---|
| State Farm | Carl Venable | 737 Highway 51 Ste A1, Madison, MS, 39110-6038 | 47.2 | |
| State Farm | Keith Thompson | 603 Viola B Sanders Dr, Greenwood, MS, 38930-7360 | 28.8 | |
| State Farm | John Dorsa | 398 Highway 51 Ste 45a, Ridgeland, MS, 39157-3430 | 48.6 | |
| Travelers | A R Burt Insurance Agency | 319 Summit St, Winona, MS, 38967 | 32.2 | |
| State Farm | Brett Olson | 1106 Highway 51, Madison, MS, 39110-9088 | 45.4 | |
| Liberty Mutual Independent | Marchetti Robertson & Brickell | 1062 Highland Colony Pkwy #175, Ridgeland, MS, 39157 | 47.2 | |
| Allstate | Brian Caston | 665 S Pear Orchard Rd Ste 114, Ridgeland, MS, 39157 | 49.5 | |
| Nationwide | The Clark Group Insurance Inc | 624 Ridgewood Rd Ste B, Ridgeland, MS, 39157 | 49.4 | |
| State Farm | Ken Jones | 120 W Jackson St Ste 2a, Ridgeland, MS, 39157-2433 | 48.1 | |
| Allstate | Cassandra Williams | 356 Highway 51 Ste G, Ridgeland, MS, 39157 | 48.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Mississippi | $109,300 | $1,158 | $790 | $1,660 | $870 |
| Holmes County, MS | $50,600 | $691 | $500 | $970 | $470 |
| Holmes County, MS | $50,600 | $691 | $460 | $960 | $500 |
| Lexington, MS | $58,300 | $803 | $540 | $1,120 | $580 |
| Tchula, MS | $43,300 | $685 | $490 | $980 | $490 |
| Durant, MS | $53,100 | $763 | $540 | $1,080 | $540 |
| Goodman, MS | $46,800 | $713 | $480 | $990 | $510 |
| Yazoo City, MS | $72,700 | $764 | $550 | $1,060 | $510 |
| Winona, MS | $79,900 | $962 | $690 | $1,340 | $650 |
| Ethel, MS | $64,400 | $849 | $570 | $1,200 | $630 |
| Schlater, MS | $60,700 | $821 | $560 | $1,140 | $580 |
| Flora, MS | $134,200 | $1,308 | $880 | $1,840 | $960 |
| Standing Pine, MS | $264,800 | $1,911 | $1,400 | $2,710 | $1,310 |