Bellevue Insurance Agency
16 Keystone Dr, Ste B, Hattiesburg, MS 39402
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16 Keystone Dr, Ste B, Hattiesburg, MS 39402
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140 Mayfair Rd, Suite 510, Hattiesburg, MS 39402
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5019 W 4th St, Hattiesburg, MS 39402
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Learn about insurance coverage options specific to Hattiesburg residents.
Hattiesburg home insurance averages $3,723/year. Learn about hurricane, flood, and tornado coverage in this university town with unique weather risks.
General Insurance EducationComplete insurance guide for Hattiesburg covering flood risk, auto requirements, severe weather protection, and coverage for USM students and military families.
Car InsuranceGet the facts on Hattiesburg auto insurance: Mississippi's 25/50/25 minimums, average costs of $75-156/month, and why you need more than minimum coverage.
Your standard home insurance typically covers wind damage from hurricanes, including roof damage and broken windows. However, some insurers in southern Mississippi exclude or limit wind coverage, requiring a separate windstorm policy. Flood damage from hurricanes is never covered by standard home insurance—you need a separate flood insurance policy for that. Always check your policy declarations to confirm what's actually covered.
Hattiesburg's location creates a perfect storm of risk factors that drive up costs. You face hurricane exposure from the Gulf Coast about 70 miles south, tornado threats from severe thunderstorms, and significant flood risk. Mississippi ranks as the 6th most expensive state for home insurance, with premiums running 49-81% above the national average. Hattiesburg's specific weather history—including catastrophic flooding and hurricane damage—means insurers charge higher premiums to cover these elevated risks.
Yes, you should strongly consider it. Hattiesburg has experienced major flooding that inundated over six square miles of the city with water up to 15 feet deep, affecting areas well beyond designated flood zones. Standard home insurance never covers flood damage regardless of the source. Flood insurance costs less for properties outside high-risk zones—often $400-$700 annually—which is a small price compared to tens of thousands in uninsured flood damage.
Choosing a $2,000 deductible instead of $500 reduces your annual premium by about 15.4% in Hattiesburg. For a $300,000 home paying $3,723 annually, that's roughly $574 in savings each year. However, you'll pay the first $2,000 of any claim out of pocket, so only choose a higher deductible if you have emergency savings to cover that amount. The savings are real, but so is the financial risk if you need to file a claim.
You need landlord insurance (also called dwelling fire or rental property insurance), not standard homeowners insurance. Landlord policies cover the dwelling structure and your liability as a property owner, but they don't cover your tenants' belongings. Your tenants need their own renters insurance to protect their personal property. Make sure your landlord policy includes adequate liability coverage, as rental properties face higher liability risks than owner-occupied homes.
Yes, standard home insurance covers tornado damage including roof destruction, broken windows, and structural damage. However, you must have sufficient dwelling coverage to fully rebuild your home if it's destroyed. Insuring your home for less than its replacement cost to save on premiums means you'll be underinsured when you need it most. Make sure your dwelling coverage equals what it would actually cost to rebuild your home at current construction prices, not just what you paid for it.
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