Gavop's guide to buying homeowners insurance in Simpson 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 | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $107,500 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $131,500 | $120,000 | $150,000-$175,000 |
| 4 Bedroom | $121,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $240,000 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$136 | $713 |
| Superior Protection Discount | -$85 | $764 |
| Fire & Security Discount | -$76 | $772 |
| Hail Resistant Roof Discount | -$17 | $831 |
| Newly Constructed Home Discount | -$204 | $645 |
| 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 |
| Simpson County | $1,500 | $838 | $2,338 | $609 | $2,109 | $229 |
| Simpson County, MS | $700 | $838 | $1,538 | $609 | $1,309 | $229 |
| Terry, MS | $300 | $1,206 | $1,506 | $877 | $1,177 | $330 |
| Brandon, MS | $1,500 | $991 | $2,491 | $720 | $2,220 | $271 |
| Monticello, MS | $500 | $1,110 | $1,610 | $806 | $1,306 | $303 |
| Pearl, MS | $2,000 | $851 | $2,851 | $619 | $2,619 | $233 |
| Hazlehurst, MS | $300 | $994 | $1,294 | $722 | $1,022 | $272 |
| Byram, MS | $2,000 | $924 | $2,924 | $671 | $2,671 | $252 |
| Flowood, MS | $200 | $975 | $1,175 | $708 | $908 | $266 |
| Raymond, MS | $700 | $1,202 | $1,902 | $874 | $1,574 | $329 |
| Soso, MS | $300 | $971 | $1,271 | $706 | $1,006 | $265 |
| Montrose, MS | $700 | $871 | $1,571 | $633 | $1,333 | $238 |
| Home Insurance Company Simpson County, MS | Homeowners Insurance Agency Simpson County, MS | Address | Popularity Score | Distance from Simpson County (miles) |
|---|---|---|---|---|
| State Farm | Carl Venable | 737 Highway 51 Ste A1, Madison, MS, 39110-6038 | 39.0 | |
| State Farm | Hal Lusk | 5600 I 55 S Ste C, Byram, MS, 39272-5558 | 27.9 | |
| Liberty Mutual Independent | Eastover Insurance Group | 1867 Crane Ridge Dr Ste 250a, Jackson, MS, 39216 | 32.3 | |
| Travelers | Roseberry Insurance Agency | 6668 Hwy 98 W Ste H, Hattiesburg, MS, 39402 | 49.6 | |
| Allstate | Angel Garrison | 200 Riverwind Dr Ste 105, Pearl, MS, 39208 | 28.2 | |
| State Farm | Rodney Stokes | 7720 Old Canton Rd, Madison, MS, 39110-9000 | 40.0 | |
| State Farm | Don O'Harroll | 1587 Simpson Highway 149, Mendenhall, MS, 39114-3564 | 4.9 | |
| State Farm | Kay Venable | 2648 Ridgewood Rd Ste C, Jackson, MS, 39216-4903 | 32.4 | |
| Allstate | Cassandra Williams | 356 Highway 51 Ste G, Ridgeland, MS, 39157 | 37.8 | |
| Travelers | Danny Wilks Insurance Agency | 418 Sumrall Rd Ste 5, Columbia, MS, 39429 | 45.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Mississippi | $109,300 | $1,158 | $830 | $1,640 | $810 |
| Simpson County, MS | $86,800 | $848 | $620 | $1,210 | $590 |
| Simpson County, MS | $86,800 | $848 | $620 | $1,200 | $580 |
| Terry, MS | $119,500 | $1,221 | $840 | $1,720 | $880 |
| Brandon, MS | $169,900 | $1,003 | $720 | $1,410 | $690 |
| Monticello, MS | $103,800 | $1,123 | $810 | $1,560 | $750 |
| Pearl, MS | $118,000 | $862 | $580 | $1,190 | $610 |
| Hazlehurst, MS | $86,200 | $1,006 | $670 | $1,380 | $710 |
| Byram, MS | $135,400 | $935 | $640 | $1,340 | $700 |
| Flowood, MS | $185,100 | $987 | $680 | $1,360 | $680 |
| Raymond, MS | $118,800 | $1,217 | $890 | $1,670 | $780 |
| Soso, MS | $83,000 | $983 | $710 | $1,410 | $700 |
| Montrose, MS | $68,800 | $882 | $640 | $1,210 | $570 |