Life Insurance Agencies in Mississippi

Mississippi at a glance

• 114life insurance agencies listed
• 30%of households rentRenters insurance
• $169,800median home valueHome insurance
• 1986median year homes were builtRebuild cost calculator
• 6.3%of households have no carAuto insurance
• 14.4%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 across Mississippi

How many of Mississippi’s 82 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Lightning15 of 82 counties

  Very High in Harrison County.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Mississippi
• Tornado11 of 82 counties

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Mississippi
• Strong wind10 of 82 counties

  Very High in Hinds County.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Mississippi
• Hurricane4 of 82 counties

  Very High in Harrison County.

  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
• Coastal flooding3 of 82 counties

  Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

  Flood insurance in every state
• Hail3 of 82 counties

  Very High in Hinds County.

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Mississippi

Source: FEMA National Risk Index, December 2025 release.

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.