Fire Insurance Quotes

 

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Mississippi Fire Insurance Quotes

From Jackson to Gulfport, Mississippi and Southaven to Biloxi we help homeowner's find the cheapest fire insurance online. Home fire insurance quotes from the best companies nationwide allow you to pick the best policy for your family. We simply provide a free tool that anyone can use to compare rates on home insurance in Mississippi.

Fire insurance when paired with auto insurance can save you hundreds of dollars each year. Combining multiple policies with one company usually provides the most savings but here are some more ways to save on homeowner's insurance:

  • Maintain a good credit score
  • No claims filed in the past 5 years
  • Live in a low crime area
  • Install a security system monitored by a third party

There are numerous other ways to save money on insurance so be sure to ask the agent what other discounts you may qualify for.

Does fire insurance only protect my house against fire?

Home fire insurance policies range in coverage from company to company but it is not uncommon to have coverage against other perils like wind, hail, or snow. Just because it is called fire insurance doesn't mean it is the only named peril covered. Be sure to check with your insurance agent to see what is and is not covered on the policy.

If you get a basic home fire insurance policy it may not protect against theft or vandalism. Theft is a very important coverage because if your property is taken from the house or while you are away it is covered. Many people think their auto insurance policy will cover items in the car but it is actually the home insurance policy that does that.

Home Fire Insurance Basics

When you look at getting home insurance in Mississippi many companies will offer package policies that not only insure against fire but other types of losses. The decision to insure a property for only one or two types of losses can be costly if a disaster occurs that is not insured.

Here are a list of home fire insurance policy types:

HO-1: A bare bones policy that protects against theft and most weather losses like wind and hail.

HO-2: Building on the HO-1 policy this also provides coverage for ice/snow, falling objects and water damage directly related to freezing pipes.

HO-3: A very popular choice for homeowners looking to cover all physical losses expect those excluded on the policy. No personal property would be included.

HO-4: Covers personal property and liability for damage caused to the unit which is usually rented by a landlord.

HO-5: Includes all the features of the HO-3 plus personal property coverage. Any exceptions listed on the policy are excluded.

HO-6: It is the policy designed for condo owners which may include personal property and liability limits.

HO-8: Offers cash value instead of replacement cost and covers similar types of losses as an HO-1.

Home Fire Insurance Cities in MS

  • Jackson
  • Gulfport
  • Southaven
  • Hattiesburg
  • Biloxi

 

 

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We offer fire insurance quotes in all 50 states. By partnering with leading insurance companies and agents we are able to find you the best policy at the lowest premium.