Gavop's guide to buying homeowners insurance in Lincoln 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.
| Lincoln County, MS - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Azalea Ln NW, Whitewater Ave SE, Pops Ln NW, Kraner Ln, McCullough Rd SE, Crooked Ln NE, Triple B Ln NW, S Washington St NE, S Jackson St, Red Autumn Ln NE | $112,000 | $90,000 | $100,000-$125,000 | $117,000 | $100,000 | $75,000-$100,000 |
| Honey Suckle Dr, Dollahite Aly, Fox Rd SE, C W Trl SE, Union Rd SE, W Highland Dr, Schwem Ave, McGehee Trl NE, Triple J Rd SW, Larry Trl SW | $116,000 | $100,000 | $100,000-$125,000 | $105,500 | $90,000 | $100,000-$125,000 |
| Hazelwood Dr, Shady Grove Rd SE, Mill Creek Ln SW, Lott Smith Rd NW, Wild Hog Trl NW, Brooks St, N 1st St, Gill Dr SE, Peters St SE, Stonewall Ln NW | $144,500 | $120,000 | $150,000-$175,000 | $86,500 | $80,000 | $75,000-$100,000 |
| Mt Zion Rd NW, Pritchard St, Dalton Ln SW, Gateway Ln SE, International Rd NE, S 3rd St, Daughdrill Trl SE, Rolling Meadows Ln SE, Walker Ln NW, Swalm Ave | $116,500 | $110,000 | $75,000-$100,000 | $58,500 | $50,000 | $25,000-$50,000 |
| Orchard Ln SE, Huckaby Ln SW, Josey Ln NW, Fairlawn Trl NE, Fisher Park, Norman Trl NW, Greenview Trl NE, Peavy Trl SE, E Monticello St, Southbrook Ln NE | $82,000 | $70,000 | $75,000-$100,000 | $57,500 | $50,000 | $50,000-$75,000 |
| Jolimar Trl SE, Pipeline Ln NE, Ingram St, Clays Trl NW, Ashley Ln SW, Ruth Dr SE, Beeson Dr NE, Norton Assink Rd NW, Country Club Rd NE, Cress Ln NE | $114,500 | $100,000 | $125,000-$150,000 | $100,500 | $90,000 | $75,000-$100,000 |
| Belt Line Dr NE, Dark Moon Ln SE, Smith Lake Rd NE, Dianne Dr, Ty Ln SE, Old Brook Rd NE, Linfrand Line Rd SW, Jordan Dr SW, St Paul Dr NW, Country Blue Ln SE | $86,000 | $80,000 | $75,000-$100,000 | $89,000 | $80,000 | $75,000-$100,000 |
| Arlington Dr SW, Kenner Trl SE, Hazlewood Dr, Pine Tree Trl SW, S Second St, Port Barry Ln NE, Hines St, Calcote Loop NE, Rutland Ln NE, Junior Trl NE | $143,000 | $130,000 | $150,000-$175,000 | $102,000 | $90,000 | $75,000-$100,000 |
| Moo Moo Trl, Moaks Creek Rd SE, James Dr NW, N Whitworth Ave, Smurr Ave, W Cherokee St, Bailey Dr NW, Fellowship Ln NW, Hux Ln NE, Fauver Rd SW | $111,500 | $100,000 | $100,000-$125,000 | $90,500 | $80,000 | $50,000-$75,000 |
| Henry Trl NE, Stillwood Ln SE, E Friendship Ln NE, Ave A, Pineknot Trl SE, Brookway Blvd Ext NW, Posey Dr NW, Shaw Ln NE, Manufacturers Blvd NE, Roland Dr | $151,000 | $140,000 | $125,000-$150,000 | $65,500 | $60,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$178 | $811 |
| Superior Protection Discount | -$89 | $900 |
| Fire & Security Discount | -$69 | $920 |
| Hail Resistant Roof Discount | -$20 | $970 |
| Newly Constructed Home Discount | -$198 | $792 |
| 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 |
| Lincoln County | $1,000 | $978 | $1,978 | $710 | $1,710 | $267 |
| Lincoln County, MS | $700 | $978 | $1,678 | $710 | $1,410 | $267 |
| Summit, MS | $400 | $1,050 | $1,450 | $763 | $1,163 | $287 |
| Copiah County, MS | $2,000 | $877 | $2,877 | $637 | $2,637 | $240 |
| Meadville, MS | $100 | $998 | $1,098 | $725 | $825 | $273 |
| Georgetown, MS | $2,500 | $958 | $3,458 | $696 | $3,196 | $262 |
| New Hebron, MS | $500 | $1,081 | $1,581 | $785 | $1,285 | $295 |
| Liberty, MS | $2,500 | $1,036 | $3,536 | $753 | $3,253 | $283 |
| Jefferson County, MS | $400 | $659 | $1,059 | $479 | $879 | $180 |
| Fayette, MS | $1,000 | $808 | $1,808 | $587 | $1,587 | $221 |
| Simpson County, MS | $500 | $838 | $1,338 | $609 | $1,109 | $229 |
| Learned, MS | $2,500 | $1,138 | $3,638 | $827 | $3,327 | $311 |
| Home Insurance Company Lincoln County, MS | Homeowners Insurance Agency Lincoln County, MS | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| State Farm | Hal Lusk | 5600 I 55 S Ste C, Byram, MS, 39272-5558 | 46.7 | |
| State Farm | Jane Klinck | Hwy 18 At 200 Forest View, Raymond, MS, 39154 | 49.7 | |
| Liberty Mutual Independent | Davis Insurance Agency Inc | 331 W Cherokee St, Brookhaven, MS, 39601 | 3.1 | |
| Travelers | Danny Wilks Insurance Agency | 418 Sumrall Rd, Columbia, MS, 39429 | 42.8 | |
| State Farm | Don O'Harroll | 1587 Simpson Highway 149, Mendenhall, MS, 39114-3564 | 45.2 | |
| Liberty Mutual Independent | Insurance & Risk Managers | 315 South Jackson Street, Brookhaven, MS, 39601 | 3.0 | |
| Travelers | Walton Insurance Agency Inc | 207 E Main St, Florence, MS, 39073 | 46.7 | |
| Liberty Mutual Independent | Insurance & Risk Managers | 315 S Jackson St, Brookhaven, MS, 39601 | 2.9 | |
| State Farm | Alex Brabham Jr | 444 E Monticello St, Brookhaven, MS, 39601-3431 | 3.1 | |
| Allstate | Tahida Peyton | 625 W Congress St, Brookhaven, MS, 39601 | 3.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Mississippi | $109,300 | $1,158 | $800 | $1,610 | $810 |
| Lincoln County, MS | $94,800 | $990 | $680 | $1,360 | $680 |
| Lincoln County, MS | $94,800 | $990 | $660 | $1,380 | $720 |
| Summit, MS | $94,700 | $1,063 | $710 | $1,510 | $800 |
| Copiah County, MS | $93,800 | $888 | $630 | $1,220 | $590 |
| Meadville, MS | $86,800 | $1,010 | $740 | $1,390 | $650 |
| Georgetown, MS | $81,100 | $970 | $710 | $1,370 | $660 |
| New Hebron, MS | $99,400 | $1,094 | $800 | $1,560 | $760 |
| Liberty, MS | $92,500 | $1,049 | $710 | $1,450 | $740 |
| Jefferson County, MS | $57,100 | $667 | $480 | $950 | $470 |
| Fayette, MS | $60,300 | $818 | $580 | $1,170 | $590 |
| Simpson County, MS | $86,800 | $848 | $580 | $1,180 | $600 |
| Learned, MS | $108,300 | $1,152 | $820 | $1,620 | $800 |