Greenwood, MS Homeowners Insurance

This guide to homeowners insurance is exactly what you need, whether you’re a first-time homeowner or a current homeowner wanting to save some cash. Homeowners insurance includes a few different coverages that you really don’t want to go without. Plus, there are many ways to save on premiums that you’ll want to know. 

Your local independent insurance agent will be happy to guide you to the best home insurer for your community. By working with an experienced Greenwood agent, you’ll find everything you want without all the extra stress of figuring it out on your own. 

Homeowners Insurance Premiums in Greenwood, Mississippi 

Homeowners insurance premiums are unique to each applicant. Insurance companies will gather lots of information about you, your home, and your location before developing a final price. In Greenwood, the average home value is $92,025, and the pricing is higher than in other states.  

• US average yearly premium: $1,173
• Mississippi average yearly premium: $1,508
• Greenwood, MS average yearly premium: $1,269

Home insurers are usually more competitive in some zip codes than others. You’ll want an insurance expert in your community to guide you toward the best home coverage for the lowest price. Your local independent insurance agent can do that for you. Plus, your independent agent can also let you know which life insurance and car insurance companies are best in the region. 

Greenwood, Mississippi Homeowners Insurance Overview

In Leflore County, residents are impacted by storms and tornadoes more than in other states. In fact, most of Mississippi’s homeowners claims are weather-related. In 2016 alone, Mississippi home insurers paid out $414,000,000 in claims that were directly related to severe weather conditions. Considering all these facts, it’s no wonder Greenwood citizens need to secure a robust homeowners insurance plan. 

Under a comprehensive home insurance policy, you’ll be protected from a variety of risks like: 

• Hail
• Ice storms
• Rainstorms
• Lightning strikes
• Fires
• Power failures
• Wind
• Fallen trees
• Frozen pipes
• Tornadoes

Did you know that flooding is not covered under any homeowners insurance plan? That’s important to understand, because Leflore County definitely has a history of flood water damage. Give your local independent insurance agent a call to discuss buying a stand- alone flood insurance policy.  

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Personal Property Coverage for Your Possessions

Not only does homeowners insurance safeguard your home’s structure, it also protects the contents of your home. Under the personal property benefit of your insurance, any of your personal belongings that are stolen or damaged because of a covered loss will be taken care of. That means personal possessions that you keep in your home are insured by your Greenwood homeowners policy, too, including:

• Cameras
• Laptops
• Jewelry
• Furniture
• Appliances
• Garden tools

In fact, you can even be reimbursed for spoiled groceries caused by a power outage. Give your Greenwood insurance agent a call to better understand this benefit. 

Liability Insurance to Protect Yourself against Accidents

Your homeowners policy has personal liability to protect your assets should a visitor get injured. This benefit will pay out if someone else’s property is damaged because of an accident caused by you or a mistake you made. 

Personal liability insurance helps take care of these sort of situations: 

• Your next door neighbor’s garage is damaged by a tree in your yard.
• Your cousin breaks his ankle when he slips on your staircase.
• A delivery driver hurts her arm when she slips on your icy driveway.

Your homeowners insurance will pay for these claims items as they relate to a covered loss: 

• Legal costs
• Medical bills for injured visitors
• Lost wages
• Pain and suffering
• Death benefits

Remember, your home insurance plan will only pay up to a set amount of money. Your policy will clearly state the personal liability limit. Of course, it’s best if this is a generous amount, because you’ll be responsible for paying any liability debts that exceed your policy’s limits. 

Or you could buy an optional umbrella policy that will take care of extra costs that surpass your home policy limits. Your Greenwood insurance agent will be more than glad to talk with you about this option. 

Call Your Independent Agent Today and Save Money Right Away

Your life is busy with work, family, friends, and hobbies. Who has the time or energy to shop for homeowners insurance? 

Smart homeowners should ask their local independent insurance agent to do the shopping for them. Your local agent will be happy to discuss your risks, provide you with free quotes, discuss each policy’s features, and help you through the application process. Working with a Greenwood insurance agent is like working with a friend that cares about your home too.