Gavop shows you how to buy homeowners insurance in Columbia, 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 | $32,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $97,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $85,500 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $176,500 | $150,000 | $175,000-$200,000 |
| 5 Bedroom | $256,000 | $210,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$130 | $682 |
| Superior Protection Discount | -$73 | $738 |
| Fire & Security Discount | -$81 | $730 |
| Hail Resistant Roof Discount | -$16 | $795 |
| Newly Constructed Home Discount | -$170 | $641 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,344 |
| Hail Damage | $4,524 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $16,553 |
| Home Insurance Company Columbia, MS | Homeowners Insurance Agency Columbia, MS | Address | Popularity Score | Distance from Columbia (miles) |
|---|---|---|---|---|
| Travelers | Hunt Insurance Agency | 1910 Hardy Street 1910 Hardy Street, Hattiesburg, MS, 39401 | 30.3 | |
| State Farm | Mike Mckennon | 171 Green St, Monticello, MS, 39654 | 26.1 | |
| State Farm | Samantha Alberson | 428 Broad St, Columbia, MS, 39429-3006 | 0.5 | |
| Allstate | Stone Insurance Agency Inc | 132 South Vardaman St., Wiggins, MS, 39577 | 49.1 | |
| State Farm | Ted Cannon | 2 Professional Pkwy, Petal, MS, 39465-2952 | 33.9 | |
| Travelers | Danny Wilks Insurance Agency | 418 Sumrall Rd, Columbia, MS, 39429 | 1.1 | |
| Travelers | Danny Wilks Insurance Agency | 418 Sumrall Rd Ste 5, Columbia, MS, 39429 | 1.0 | |
| Liberty Mutual Independent | Southern Insurance Group Llc | 418 Sumrall Rd Ste 5, Columbia, MS, 39429 | 1.0 | |
| Liberty Mutual Independent | Insurance & Risk Managers | 315 South Jackson Street, Brookhaven, MS, 39601 | 42.7 | |
| Allstate | David Niezgoda | 103b W Holly St, Ellisville, MS, 39437 | 44.3 |
| 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 | $1,590 | $760 |
| Marion County, MS | $78,500 | $800 | $570 | $1,140 | $570 |
| Columbia, MS | $80,500 | $811 | $580 | $1,130 | $550 |
| Bassfield, MS | $70,000 | $891 | $640 | $1,260 | $620 |
| Angie, LA | $77,000 | $964 | $670 | $1,390 | $720 |
| Prentiss, MS | $104,000 | $1,124 | $810 | $1,540 | $730 |
| Varnado, LA | $47,100 | $555 | $390 | $800 | $410 |
| Silver Creek, MS | $96,000 | $1,072 | $780 | $1,490 | $710 |
| Collins, MS | $94,000 | $1,059 | $770 | $1,490 | $720 |
| Petal, MS | $137,600 | $944 | $690 | $1,340 | $650 |
| Sun, LA | $130,000 | $1,498 | $1,050 | $2,160 | $1,110 |
| Perry County, MS | $81,100 | $815 | $590 | $1,170 | $580 |