Gavop's guide to buying homeowners insurance in Monroe 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.
| Monroe 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 | |
| Deyoe Rd, Church St, Appaloosa Dr, Davidson Line Rd, Laredo Trl, Lynn Cove, Brookside Dr, Sipsey Fork Rd, Schoolhouse Rd, Burdine St | $92,000 | $80,000 | $100,000-$125,000 | $91,000 | $80,000 | $75,000-$100,000 |
| Speed Bottom Rd, Blue Bluff Rd, Beulah Ln, Walls Ln, Andrews Rd, Newton Rd, Fairways Dr, Boulevard Dr S, Emanuel Dr, Garden Spot Dr | $88,000 | $80,000 | $75,000-$100,000 | $98,000 | $90,000 | $75,000-$100,000 |
| McDuffie Cemetery Rd, Doster Rd, Old Magnolia Hwy, Otis Cowan Rd, Bishop Dr, Chips Ln, Powell Cove, E Commerce St, S 8th St, Madison St | $151,000 | $130,000 | $125,000-$150,000 | $126,500 | $100,000 | $125,000-$150,000 |
| Old Hwy 6, Burr Rd, Diamond Back Trl, Miller Rd, A Ave, Maple St Exd, Fair Oaks Dr, Dryden Ln, Third Union Rd, Deer Run Rd | $120,500 | $100,000 | $125,000-$150,000 | $103,000 | $90,000 | $75,000-$100,000 |
| Byrd Ln, Arrowhead Point Dr, Hwy 278 E, Little Rd, Hill Rd, Murphree Cir, Walker Ln, Minor Dr, Armstrong Rd, Peartree Dr | $88,500 | $80,000 | $75,000-$100,000 | $82,500 | $70,000 | $75,000-$100,000 |
| Oak Dr, Hwy 278 E, Colburn Rd, Winders Rd, Martin Luther King St, Hwy 25 S, Kevin Ln, Calvary Church Rd, Peacock Aly, Young St | $138,000 | $120,000 | $125,000-$150,000 | $69,000 | $60,000 | $50,000-$75,000 |
| Smith Dr, High Exd, Lackey Rd, Highland St, A Ave, Luker Ln, Athens Quincy Rd, 1st Ave, Diggs Ln, McIntosh Dr | $177,000 | $170,000 | $175,000-$200,000 | $91,500 | $70,000 | $75,000-$100,000 |
| Sipsey Detroit Rd, Tribble Rd, Cedar Ridge Dr, Shepherd Rd, Colonial St, Locust St, Becker Railroad Dr, Coats Rd, Weaver Creek Rd, Richardson Rd | $177,000 | $160,000 | $200,000-$250,000 | $94,500 | $80,000 | $75,000-$100,000 |
| Doss Dr, Metts Rd, Red Hill Rd, Bevs Dr, Williams Dr, Chestnut Dr, Myrtle Ave, Hwy 25 S, 4th Ave NW, Hawkins Rd | $145,000 | $140,000 | $150,000-$175,000 | $56,500 | $50,000 | $50,000-$75,000 |
| Barrs Ferry Rd, 110th St, Booker T Rd, Moccasin Creek Dr, Peacely Ferry Rd, Glen T Rd, N 4th St, Hwy 8 E, Davis Dr, Hollivay Ln | $108,000 | $90,000 | $125,000-$150,000 | $64,000 | $60,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$146 | $826 |
| Superior Protection Discount | -$97 | $874 |
| Fire & Security Discount | -$107 | $865 |
| Hail Resistant Roof Discount | -$29 | $942 |
| Newly Constructed Home Discount | -$262 | $709 |
| 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 |
| Monroe County | $700 | $960 | $1,660 | $698 | $1,398 | $262 |
| Monroe County, MS | $1,500 | $960 | $2,460 | $698 | $2,198 | $262 |
| Shannon, MS | $300 | $981 | $1,281 | $713 | $1,013 | $268 |
| Detroit, AL | $1,000 | $787 | $1,787 | $572 | $1,572 | $215 |
| Bexar, AL | $200 | $973 | $1,173 | $707 | $907 | $266 |
| Saltillo, MS | $1,500 | $1,329 | $2,829 | $966 | $2,466 | $363 |
| Ecru, MS | $1,500 | $1,073 | $2,573 | $780 | $2,280 | $293 |
| Pickens County, AL | $300 | $778 | $1,078 | $565 | $865 | $213 |
| Walthall, MS | $1,500 | $992 | $2,492 | $721 | $2,221 | $271 |
| Home Insurance Company Monroe County, MS | Homeowners Insurance Agency Monroe County, MS | Address | Popularity Score | Distance from Monroe County (miles) |
|---|---|---|---|---|
| State Farm | Amanda Parish | 223 E Madison St, Houston, MS, 38851-2320 | 29.5 | |
| State Farm | Amy Shelton | 617 18th Ave N, Columbus, MS, 39701-2237 | 26.1 | |
| Allstate | Cockerham Insurance | 100 W Commerce St, Aberdeen, MS, 39730 | 5.6 | |
| Liberty Mutual Independent | Lyon Insurance Agency Inc | 325 Commerce Street West Point , West Point, MS, 39773 | 21.8 | |
| Allstate | Oquien Bradley | 960 Barnes Crossing Rd, Tupelo, MS, 38804 | 31.9 | |
| Allstate | Tri-State Insurance | 28 Front St, Belmont, MS, 38827 | 45.6 | |
| State Farm | Frank Chiles | 306 Highway 12 W, Starkville, MS, 39759-3633 | 35.8 | |
| State Farm | Lonnie Harris | 101 Access Rd, Fulton, MS, 38843-8419 | 25.0 | |
| Travelers | Ridgecrest Insurance | 274 West Oxford Street, Pontotoc, MS, 38863 | 39.4 | |
| Allstate | Oquien Bradley | 3189 Highway 45 N Ste N, Columbus, MS, 39705 | 24.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Mississippi | $109,300 | $1,158 | $850 | $1,600 | $750 |
| Monroe County, MS | $87,100 | $972 | $670 | $1,370 | $700 |
| Monroe County, MS | $87,100 | $972 | $670 | $1,390 | $720 |
| Shannon, MS | $84,400 | $993 | $680 | $1,420 | $740 |
| Detroit, AL | $71,400 | $797 | $530 | $1,100 | $570 |
| Bexar, AL | $99,400 | $985 | $710 | $1,400 | $690 |
| Saltillo, MS | $140,600 | $1,345 | $980 | $1,910 | $930 |
| Ecru, MS | $98,200 | $1,086 | $730 | $1,500 | $770 |
| Pickens County, AL | $91,800 | $787 | $570 | $1,080 | $510 |
| Walthall, MS | $86,000 | $1,004 | $670 | $1,420 | $750 |