Home Insurance in Jackson, MS

Enjoy peace of mind when you protect your Mississippi property with home insurance in Jackson, MS, that suits your individual needs. 
Compare, shop and customize quotes from top-rated insurance carriers.

Home Sweet Home in Jackson With Effective Insurance Coverage  

If you recently bought a home in Jackson, Mississippi, then you join the other 145,995 residents who work, play and live in this growing city. Some call Jackson "The City of Soul" because many singers and music artists come from the area, including country music superstar LeAnn Rimes.

Like the other 47.8% of those who own their homes in Jackson,  you may wonder how the area's weather could affect or damage it. The coldest month of the year is February, when temperatures can plummet to 35 degrees. Jackson's climate features little snowfall. 

Jackson is the state capital and offers homeowners a variety of neighborhoods to choose from. Downtown features a vibrant feel that combines history with the area's modern-day art scene. Neighborhoods like Belhaven and Belhaven Heights have older homes with period designs and a surprising array of foodie adventures, including artisan pies, pubs and specialty eateries waiting for you. Protecting the property you come home to at the end of the day with home insurance in Jackson, MS, helps you enjoy a bustling, exciting lifestyle without the worries of ineffective coverage. 

The Possible Risks of Home Insurance Gaps

While home insurance in Jackson, MS, is not required by law, your mortgage lender may insist that you purchase it as a condition of the loan. Not only does this widen your field of lenders, but using VIU by HUB can help you find an insurance provider and coverage that suits your individual needs. 

Insurance gaps or even a lack of a policy overall can put you at serious financial risk. For example, 276 properties in Jackson have a considerable flood risk for the future. Finding a provider that offers protection against outdoor flooding, which is usually not included in a standard policy, can protect you against such a risk. 

The Cost of Jackson Home Insurance 

Nerd Wallet notes that the cost of home insurance for Jackson homeowners is $2,815 on average. However, you may pay more per month depending on a variety of factors, including: 

  • The age of your home 
  • Your credit rating 
  • Your past insurance filing history 

Using VIU by HUB can help you find a provider that offers discounts on your home insurance. Adding safety features to your property, such as carbon monoxide detectors and a wireless security system can net savings on your coverage. 

Understanding Your Risk Factors 

As you search for home insurance you can afford, considering your risk factors may help you keep your budget under control. Depending on your zip code, you may find that some rates are higher depending on home values and crime rates in those areas. 

Jackson's rate of theft and robbery are both higher than the national average. You might suffer considerable loss from the damage caused by a burglary and stolen items. Covering valuable collectibles and jewelry with home insurance add-ons can also provide you with greater peace of mind as a Jackson homeowner. 

No matter your home insurance needs, turning to VIU by HUB helps you make the most informed decisions before you sign off on a policy. Your circumstances and home are unique, so why not find the rates you deserve for the most coverage possible? Using our tool to compare insurance policies and options before you buy home insurance in Jackson, MS, gives you peace of mind as you enjoy your home sweet home. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.


US Census

US Climate Data

Best Places

Risk Factor

Nerd Wallet 


Home insurance in Mississippi by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.