Based on our latest 2025 review of Mississippi’s property market, Allstate, USAA, Southern Farm Bureau (see note on Mississippi Farm Bureau below) and State Farm remain solid options for many homeowners. Our picks reflect current pricing patterns from statewide rate surveys, independent financial strength ratings, complaint data sources, and breadth of coverage and discounts. Three of these carriers also appear in our best homeowners insurance companies nationwide: Allstate, USAA and State Farm. We also include Mississippi Farm Bureau (policies underwritten by Southern Farm Bureau Casualty) for its competitive inland pricing and local availability in many ZIP codes, per 2025 market guides from Bankrate, NerdWallet and Policygenius.
Mississippi homes face frequent severe convective storms (tornadoes, hail, straight-line winds) statewide and periodic tropical systems along the Gulf. NOAA has recorded unprecedented counts of U.S. billion-dollar weather disasters in recent years, with Mississippi often included—helping explain rising claims and premiums (NOAA; Insurance Information Institute). In 2025, many MS policies include separate percentage deductibles for wind/hail or named storms in coastal areas—be sure you understand whether your policy uses a wind/hail or hurricane/named-storm deductible (III explainer). Availability can also vary by roof age, material, and coastal proximity; if private carriers won’t write wind on the Coast, the Mississippi Windstorm Underwriting Association (MWUA) may be an option (MWUA).
The 4 Best Homeowners Insurance Companies in Mississippi
- Allstate – Best for New Homebuyers
- USAA – Best for Military-Focused Coverage
- Southern Farm Bureau – Best for Coverage Options
- State Farm – Best Web Experience
Compare Mississippi’s Top Insurance Companies
| Company | 2025 Relative Price Position* | AM Best Financial Strength | J.D. Power Overall Customer Satisfaction** |
| Allstate | Near the MS statewide average for a standardized 2025 profile (varies by ZIP, roof and wind mitigation) | A+ (verify current rating on AM Best) | See 2025 Property Claims Satisfaction study (1,000-point scale) |
| USAA | Often below the MS average for eligible members (standardized 2025 profile) | A++ (verify current rating on AM Best) | Often excluded from public rankings due to eligibility rules |
| Southern Farm Bureau | Mississippi Farm Bureau (under Southern Farm Bureau Casualty): competitive in many inland ZIP codes | A (verify current rating on AM Best) | N/A (not included in J.D. Power rankings) |
| State Farm | Often below the MS statewide average for standardized 2025 profiles | A++ (verify current rating on AM Best) | See 2025 Property Claims Satisfaction study (1,000-point scale) |
Information current as of 2025. Relative positions reflect modeled pricing patterns for standardized profiles; your price will vary by location and home characteristics. Sources: Bankrate 2025, NerdWallet 2025, Policygenius 2025.
**See the 2021 J.D. Power U.S. Home Insurance Study (1,000-point scale) and the 2025 J.D. Power U.S. Property Claims Satisfaction Study for current claims satisfaction context.
Allstate
Allstate pairs broad coverage and discount options with strong digital tools, which is helpful in a storm‑prone state. In Mississippi’s 2025 market, quotes commonly align near the statewide average for standardized profiles, with substantial variation by ZIP code, roof age/material and wind mitigation (Bankrate; NerdWallet). If you’re coastal, confirm whether your policy uses a separate wind/hail or named‑storm deductible and ask about credits for impact‑resistant or FORTIFIED roofs (III; Strengthen Mississippi Homes). For complaint comparisons, check the NAIC Consumer Complaint Index for the homeowners line (1.00 = industry average) via the NAIC Consumer Information Source.
Best for New Homebuyers
Why we chose it
Why we chose it
Pros
- Discounts that can help offset wind/roof surcharges
- Diverse coverage options; strong online tools
- Broad national availability
Cons
- Confirm separate wind/named‑storm deductible terms
- Check NAIC homeowners Complaint Index on NAIC CIS
Discounts available
- Early signing discount
- Homebuyer discount
- Hail-resistant/impact‑resistant roof discount
Unique features
Allstate’s broad discount menu and digital tools can help first‑time buyers evaluate wind/hail or named‑storm deductibles and mitigation credits in 2025.
*Modeled 2025 averages referenced from Bankrate and NerdWallet; your rate will vary by ZIP code, roof and coverage.
**J.D. Power reports results on a 1,000-point scale; see the 2025 Property Claims Satisfaction Study for current claims experience context.
Further Reading on Allstate:
USAA
USAA frequently prices below Mississippi’s statewide modeled average for standard 2025 profiles among eligible military members, veterans and families (Bankrate; NerdWallet). Membership eligibility is required and USAA is often excluded from some public rankings for that reason. For service members, USAA’s homeowners coverage and claims support are designed around military needs; review the current NAIC homeowners Complaint Index (1.00 = average) for the underwriting entity via NAIC CIS, and verify current AM Best FSR on AM Best.
Best for Military-Focused Coverage
Why we chose it
Why we chose it
Pros
- Military‑focused coverage and service
- Frequently competitive pricing for eligible members
- Bundling discounts available
Cons
- Membership eligibility required
- Limited third‑party rankings due to eligibility
Discounts available
- Save 10% if you bundle with auto
- Claims-free discounts (varies by underwriting)
- Home security system discount
Unique features
Policies and support tailored to active duty and veterans, including coverage for uniforms for eligible active duty members.
*Modeled 2025 averages referenced from Bankrate and NerdWallet.
**See J.D. Power’s 2025 Property Claims Satisfaction Study (1,000‑point scale); USAA may be excluded from some rankings due to eligibility rules.
Further Reading on USAA:
Southern Farm Bureau
In Mississippi, Farm Bureau policies are written through Mississippi Farm Bureau Insurance and are underwritten by Southern Farm Bureau Casualty Insurance Company. The carrier offers a modern online account experience and local agents statewide. In 2025 rate guides, Mississippi Farm Bureau is often competitive in inland ZIP codes, while pricing and wind deductibles can differ along the Coast (Policygenius). Verify current AM Best FSR on AM Best and review the NAIC homeowners Complaint Index for the underwriting entity on NAIC CIS (1.00 = industry average).
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Local agents and app support
- Multiple property coverage options
Cons
- Fewer third‑party satisfaction benchmarks
- Availability and deductibles vary by ZIP (coastal vs. inland)
Discounts available
- Account and multi‑policy discounts
- New home discounts
- Claims‑free discount (eligibility applies)
Unique features
One of the largest MS property insurers, offering homeowners, renters, landlord, flood (via NFIP or private), and manufactured home coverage options.
*Modeled 2025 positions based on Policygenius, with statewide context from Bankrate and NerdWallet.
**Not included in J.D. Power’s public homeowners rankings; consider NAIC Complaint Index via NAIC CIS (1.00 = industry average).
State Farm
State Farm combines strong financial strength with broad coverage options and one of the more streamlined digital experiences. For many Mississippi standardized profiles in 2025, State Farm often quotes below the statewide average (pricing still varies by ZIP, roof condition/material, and mitigation credits), and its Simple Insights content helps new homeowners understand coverage and deductibles (Bankrate; NerdWallet). Verify NAIC Complaint Index via NAIC CIS and current AM Best rating on AM Best.
Best Web Experience
Why we chose it
Why we chose it
Pros
- Financially strong and widely available
- Excellent web and mobile experience
- Large agent network
- Educational content for new homeowners
Cons
- Separate wind/hail or named‑storm deductibles apply in many areas
- Discounts vary by ZIP and roof age
Discounts available
- Multiple policy discount
- Fire, smoke, or burglar alarms discount
- Impact-resistant roof discount
Unique features
Online quoting and self‑service features help you compare deductibles and mitigation credits in minutes.
*Modeled 2025 averages referenced from Bankrate and NerdWallet.
**J.D. Power results reported on a 1,000‑point scale; see 2025 Property Claims Satisfaction for current claims experience.
Further Reading on State Farm:
Average Cost of Homeowners Insurance in Mississippi
As of 2025, recent statewide surveys place Mississippi’s average homeowners premium in the mid‑$2,000s per year to insure a home at roughly $300,000 in dwelling coverage with $300,000 liability and a $1,000 deductible, good credit and no recent claims (Bankrate; NerdWallet). The latest official benchmark from the Insurance Information Institute (III), which summarizes NAIC data through 2022, is materially lower due to sharp increases since then. Your price will vary by factors such as coastal vs. inland location, roof age/material and wind mitigation, construction type and age, credit tier, prior claims, coverage limits, and whether your policy includes separate wind/hail or named‑storm deductibles.
Home Insurance Add-Ons That May Further Protect You
If you want to protect your home from negative financial impacts, the following additions may be recommended by insurers to round out your insurance plan:
- Flood Insurance: Flood is excluded from standard homeowners policies. Consider coverage through the NFIP (Risk Rating 2.0 risk‑based pricing) or a private flood policy/excess layer where available. You can gauge your address’s exposure using a FEMA flood map. The NAIC notes a growing private flood market that some lenders accept.
- Other Structures insurance: Protects anything else on your property that is not your home, such as a barn, shed, or detached garage. Ensure the limit reflects actual replacement costs.
- Earthquake Add-on: Mississippi sits near the New Madrid seismic zone. Standard homeowners policies exclude earthquake; adding an endorsement or standalone policy can provide protection. Some carriers also offer parametric options for rapid liquidity (learn more).
- Extreme weather: Many MS policies include separate percentage deductibles for wind/hail or named storms/hurricanes in coastal areas—confirm how yours works and what it covers (III explainer). Ask about credits for impact‑resistant shingles or a FORTIFIED Roof through Strengthen Mississippi Homes.
The Cheapest Homeowner Insurance Companies in Mississippi
| Homeowner Insurance Companies | 2025 Relative Price Position* |
| Nationwide | Typically near-to-above MS average; sensitive to roof age/material and coastal proximity (2025 profile) |
| Mississippi Farm Bureau | Often among the most competitive in inland ZIP codes; availability varies (2025 profile) |
| USAA | Frequently among the lowest for eligible members (2025 profile) |
| Travelers | Near-to-above MS average; wind‑mitigation and smart‑home discounts can help (2025 profile) |
| Allstate | Near the MS average; bundling and newer roofs may lower quotes (2025 profile) |
| State Farm | Often below the MS statewide average for standard profiles (2025 profile) |
*Modeled relative positions for a standardized 2025 profile (e.g., $300,000 dwelling, $300,000 liability, $1,000 deductible; good credit, claims‑free). Sources: Bankrate 2025, NerdWallet 2025, Policygenius 2025.
Top 3 Cheapest Homeowners Insurance Companies in Mississippi
- USAA (for eligible military members, veterans and families) — often below the statewide average for standardized profiles (Bankrate; NerdWallet)
- State Farm — frequently below statewide averages for many standard profiles (Bankrate)
- Mississippi Farm Bureau — competitive in many inland ZIP codes; availability varies (Policygenius)
Top 3 Most Expensive Homeowners Insurance Companies in Mississippi
- Allstate — commonly near the statewide average; quotes can run higher in coastal ZIP codes without mitigation credits (NerdWallet)
- Travelers — often near-to-above average without wind mitigation; discounts can improve pricing (Bankrate)
- Nationwide — commonly near-to-above average; pricing is sensitive to coastal risk and roof age (Policygenius)
Resources Helpful for Mississippi Homeowners
Understanding how homeowners insurance works, current pricing and deductibles, and your rights as a property owner helps you get more value from your policy. If private carriers won’t write wind along the Coast, the Mississippi Windstorm Underwriting Association (MWUA) can be an option; statewide last‑resort coverage is available via the FAIR Plan, and coastal homeowners may qualify for FORTIFIED roof grants (MWUA; FAIR Plan; Strengthen Mississippi Homes).
- Mississippi’s Insurance Department: The website includes helpful guides to understand homeowners insurance, prepare for natural disasters, fire safety and a home inventory checklist, among other subjects. Also see coastal wind coverage via the Mississippi Windstorm Underwriting Association and last‑resort property coverage via the Mississippi FAIR Plan; mitigation grants for FORTIFIED roofs are available in coastal counties through Strengthen Mississippi Homes.
- Mississippi Homeowners Association (HOA) Laws and Resources: This group provides information about laws, regulations, government agencies, legal resources, information and documents that every homeowner should know about.
Homeowners Insurance FAQ
Methodology
We evaluated companies using 2025 market surveys for pricing patterns, independent financial strength ratings, complaint data sources, and coverage breadth relevant to Mississippi’s wind and severe-storm exposure.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings: We reviewed current J.D. Power research for homeowners claims experience; see the 2025 U.S. Property Claims Satisfaction Study (1,000‑point scale).
- Coverage: We emphasized companies offering endorsements and clear terms for separate wind/hail or named‑storm deductibles, plus mitigation credits.
- Confidence: We prioritized insurers with strong AM Best Financial Strength Ratings; verify company FSRs via the AM Best Ratings Center (A− and above generally indicate strong capacity).
- Customer Experience: We considered complaint activity using the NAIC Consumer Complaint Index (1.00 = industry average) and linked to the NAIC CIS consumer portal.
Pricing context draws on 2025 modeled statewide averages from Bankrate, NerdWallet and Policygenius. These are sample averages for standardized profiles and should be used for comparative purposes only; your quotes may be different.
The coverage limits for home insurance rates reflect the following profile:
- Coverage A, Dwelling: $300,000
- Coverage B, Other Structures: $30,000
- Coverage C, Personal Property: $150,000
- Coverage D, Loss of Use: $60,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and often a separate wind/hail or hurricane/named storm deductible (if required). Learn more about these deductibles from the Insurance Information Institute.
