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Home Insurance in Jackson, Mississippi

Understanding Home Insurance Costs in Jackson

As the capital and largest city in Mississippi, Jackson faces unique risks that impact home insurance rates. The national average cost of home insurance is $1,428 per year, but in Jackson, the average annual premium is approximately $1,775. Local factors such as severe weather, risk of flooding, and the age of homes contribute to higher insurance premiums in the area.

Local Factors Impacting Home Insurance Costs in Jackson

Home Insurance Rates by Home Age in Jackson

The age of a home significantly impacts insurance premiums. Older homes often have outdated systems, which can increase the cost of repairs and lead to higher premiums.

Home AgeAverage Annual Premium
0-10 years$1,650
11-25 years$1,720
26-50 years$1,800
51+ years$1,950

Home Insurance Rates by Credit Tier in Jackson

Your credit score is an important factor when determining home insurance rates. In Jackson, home insurance premiums vary significantly by credit tier:

Cheapest Home Insurance Providers in Jackson

Despite the high average cost of insurance in Jackson, several companies offer competitive rates. Here are the most affordable providers in the city:

ProviderAverage Annual Premium
State Farm$1,690
Allstate$1,780
Nationwide$1,755
Liberty Mutual$1,800

Home Insurance Rates by Deductible Amount in Jackson

Choosing a higher deductible can reduce your premiums, but it increases the amount you need to pay out-of-pocket when filing a claim.

Types of Homeowners Insurance in Jackson

Additional Coverage Options

Frequently Asked Questions (FAQs) about Home Insurance in Jackson

How does Jackson’s weather impact home insurance costs? Severe weather events such as tornadoes and thunderstorms increase the likelihood of property damage, leading to higher premiums.

Is flood insurance required in Jackson? Flood insurance is not mandatory, but it is highly recommended if you live near a floodplain or in an area prone to heavy rainfall.

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