Insurance Advisory Group: Thompson Russell
900 20th Ave, Meridian, MS 39301
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900 20th Ave, Meridian, MS 39301
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1901 Front St, Suite A, Meridian, MS 39301
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406 Highway 11 & 80, Meridian, MS 39301
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Learn about insurance coverage options specific to Meridian residents.
Meridian homeowners pay $2,270/year for insurance due to tornado risks. Learn what standard policies cover and how to protect your home from severe weather.
Home InsuranceMeridian home insurance averages $1,341-$1,805/year, but rates jumped 21% in 2024. Learn about wildfire risk, earthquake coverage, and how to save.
Home InsuranceMeridian homeowners pay $1,341-$1,805/year for insurance. Learn how new construction, bundling, and credit scores affect your rates in Idaho's fastest-growing city.
Complete insurance guide for Meridian, Mississippi residents. Learn about auto requirements, homeowners costs, flood coverage, and how to save on premiums.
Car InsuranceMeridian drivers need 25/50/25 liability coverage in Mississippi. Learn about insurance requirements, costs averaging $1,782/year, and coverage for I-20/I-59.
Car InsuranceMeridian car insurance averages just $109/month—$589 below national rates. Compare quotes, find discounts, and save 25-50% on coverage in Idaho's fastest-growing city.
Meridian sits in Dixie Alley, where severe tornadoes are common, and the area also experiences impacts from Gulf Coast hurricane remnants. Insurance companies price policies based on risk, and the high frequency of tornado warnings and severe storms in the I-20/I-59 area drives up premiums. Mississippi ranks as the sixth most expensive state for homeowners insurance largely because of these weather-related risks.
Yes, standard homeowners policies in Mississippi cover tornado damage, including wind damage to your home, roof, and belongings. This includes damage from flying debris, collapsed structures, and related storm damage. However, flood damage caused by heavy rains during a tornado requires separate flood insurance, as water damage from outside your home isn't covered by standard policies.
Most of Meridian falls into FEMA Zone X, which means flood insurance isn't mandatory for mortgage holders, but it's still recommended. Between 1978 and 2017, Mississippi ranked sixth nationally for flood insurance claims with $3 billion in damages. If you live near a creek, in a low-lying area, or want comprehensive protection, flood insurance through the National Flood Insurance Program typically costs $400-600 annually for moderate coverage.
Meridian homeowners pay an average of $2,270 per year or about $189 per month for home insurance. This is roughly 1.3% lower than the Mississippi state average but still significantly higher than the national average. Your actual rate depends on your home's age, construction type, coverage amount, deductible, and claims history.
Shop around with multiple insurers like State Farm, Amica, and local brokers, as rates can vary by hundreds of dollars. Increase your deductible to $1,000 or higher, bundle your home and auto policies, install impact-resistant roofing or a monitored security system, and ask about discounts for being claims-free or a long-term customer. These strategies can reduce your premium by 20-30% or more.
Set up multiple weather alert systems including a NOAA weather radio and smartphone alerts, identify your safe room or shelter area, and create a home inventory with photos or video stored in the cloud. Review your insurance coverage to ensure you have enough dwelling coverage to rebuild at current construction costs, and keep your policy documents accessible. Consider increasing your liability coverage to $300,000 or more for better protection.
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