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Insurance agencies · Mississippi
Insurance Agencies in Picayune, MS
Local agencies in Picayune for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Picayune
Picayune has 11,900 residents in 4,544 households. We list 3 insurance agencies in Picayune. Here is what the local numbers say about the cover people here need.
Picayune at a glance
- 3insurance agencies listed
- 41.2%of households rentRenters insurance
- $157,100median home valueHome insurance
- 1976median year homes were builtRebuild cost calculator
- 4.3%of households have no carAuto insurance
- 3.8%of homes are mobile homesMobile home insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in Pearl River County
FEMA rates the overall natural hazard risk in Pearl River County, where most Picayune agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:
- Hurricane
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Mississippi
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Car insurance rules in Mississippi
Mississippi requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance in MississippiHow much liability cover do you need?
Source: mid.ms.gov, limits in force since 2006-01-01. Checked 2026-10-24.
Questions
Insurance agencies in Picayune
How do I find an insurance agency in Picayune?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Picayune?
FEMA's National Risk Index rates inland flooding risk in Pearl River County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Picayune?
41.2% of households in Picayune rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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