Gavop's guide to buying homeowners insurance in Laurel, 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 | $45,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $121,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $88,500 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $149,000 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $248,000 | $230,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $690 |
| Superior Protection Discount | -$72 | $730 |
| Fire & Security Discount | -$72 | $730 |
| Hail Resistant Roof Discount | -$16 | $786 |
| Newly Constructed Home Discount | -$217 | $586 |
| 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 |
| Jones County | $700 | $949 | $1,649 | $690 | $1,390 | $259 |
| Laurel, MS | $2,000 | $793 | $2,793 | $576 | $2,576 | $217 |
| Sharon, MS | $300 | $1,008 | $1,308 | $732 | $1,032 | $275 |
| Bay Springs, MS | $1,000 | $925 | $1,925 | $672 | $1,672 | $253 |
| Petal, MS | $400 | $933 | $1,333 | $678 | $1,078 | $255 |
| Richton, MS | $700 | $886 | $1,586 | $644 | $1,344 | $242 |
| Montrose, MS | $500 | $871 | $1,371 | $633 | $1,133 | $238 |
| Bassfield, MS | $2,500 | $880 | $3,380 | $640 | $3,140 | $241 |
| Lamar County, MS | $200 | $1,330 | $1,530 | $967 | $1,167 | $364 |
| Lake, MS | $1,500 | $960 | $2,460 | $698 | $2,198 | $262 |
| New Hebron, MS | $300 | $1,081 | $1,381 | $785 | $1,085 | $295 |
| Forest, MS | $1,000 | $742 | $1,742 | $539 | $1,539 | $203 |
| Home Insurance Company Laurel, MS | Homeowners Insurance Agency Laurel, MS | Address | Popularity Score | Distance from Laurel (miles) |
|---|---|---|---|---|
| State Farm | Jason Wesley | 6106 Us Hwy 98 W, Hattiesburg, MS, 39402-8530 | 29.3 | |
| State Farm | Shuff Mauldin | 1514 W 10th St Ste 6, Laurel, MS, 39440-2678 | 0.4 | |
| State Farm | Tyler Ellis | 306 Hill St, Ellisville, MS, 39437-2522 | 6.9 | |
| Travelers | Roseberry Insurance Agency | 6668 Hwy 98 W Ste H, Hattiesburg, MS, 39402 | 31.0 | |
| State Farm | Ted Cannon | 2 Professional Pkwy, Petal, MS, 39465-2952 | 24.9 | |
| Allstate | Bryan White | 114 N 40th Ave Ste I, Hattiesburg, MS, 39401 | 27.9 | |
| State Farm | Jim Clark | 96 Hal Crocker Rd, Ellisville, MS, 39437-2089 | 6.9 | |
| Liberty Mutual Independent | Southern Insurance Group Llc | 418 Sumrall Rd Ste 5, Columbia, MS, 39429 | 50.0 | |
| Allstate | Deborah Brugoto | 6668 U S Highway 98 Ste B, Hattiesburg, MS, 39402 | 31.0 | |
| Allstate | David Niezgoda | 103b W Holly St, Ellisville, MS, 39437 | 6.9 |
| 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 | $1,610 | $810 |
| Jones County, MS | $85,600 | $961 | $700 | $1,330 | $630 |
| Laurel, MS | $78,900 | $802 | $550 | $1,110 | $560 |
| Sharon, MS | $88,300 | $1,020 | $740 | $1,450 | $710 |
| Bay Springs, MS | $76,300 | $936 | $680 | $1,340 | $660 |
| Petal, MS | $137,600 | $944 | $690 | $1,340 | $650 |
| Richton, MS | $70,900 | $897 | $650 | $1,250 | $600 |
| Montrose, MS | $68,800 | $882 | $640 | $1,240 | $600 |
| Bassfield, MS | $70,000 | $891 | $610 | $1,270 | $660 |
| Lamar County, MS | $169,000 | $1,346 | $970 | $1,900 | $930 |
| Lake, MS | $81,400 | $972 | $670 | $1,380 | $710 |
| New Hebron, MS | $99,400 | $1,094 | $800 | $1,550 | $750 |
| Forest, MS | $70,500 | $751 | $510 | $1,040 | $530 |