1st Priority Insurance Agency, LLC
1309 S Haugh Ave, Picayune, MS 39466
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1309 S Haugh Ave, Picayune, MS 39466
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117 Hwy 11 N, Picayune, MS 39466
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1703 Hwy 11 North, Suite C, Picayune, MS 39466
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100 Highway 11 N, Picayune, MS 39466
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Learn about insurance coverage options specific to Picayune residents.
Complete guide to insurance in Picayune, Mississippi. Learn about auto rates, flood coverage, wind insurance, and top local agencies in Pearl River County.
Home InsurancePicayune home insurance costs $1,674-$5,161/year. Learn about wind coverage, flood risks, and Pearl River County rates. Get quotes and save with mitigation.
Pearl River County's coastal location puts Picayune in a high-risk zone for hurricanes, windstorms, and flooding. Many homeowners need three separate policies—homeowners, wind, and flood—with combined costs reaching nearly $10,000 annually. Wind coverage alone can account for 70% of your premium because the area falls under the Mississippi Wind Pool service area, which covers the six southernmost coastal counties.
Mississippi's 25/50/25 minimum liability coverage is legally sufficient but widely considered inadequate. With over 22% of Mississippi drivers uninsured and the potential for serious accidents along I-59, most insurance professionals recommend at least 100/300/100 coverage. Medical bills from even moderate injuries can exceed the $25,000 per-person minimum, leaving you personally liable for the difference.
If you have a mortgage and your home is in a FEMA-designated flood zone, flood insurance is mandatory regardless of your exact location. Even outside high-risk zones, it's worth considering—Picayune's position between the Gulf Coast and New Orleans means the area is vulnerable to flooding from major weather systems. Flood insurance averages $784 annually in Mississippi, and 30% of flood claims come from outside high-risk zones.
Common discounts include bundling auto and home policies (typically 15-25% savings), installing home security systems, maintaining good credit, completing defensive driving courses, and being claims-free for several years. For Pearl River County homeowners, making storm-mitigation improvements through programs like Strengthen Mississippi Homes can both qualify you for grants and reduce insurance premiums.
Daily commutes along I-59 increase your annual mileage and highway driving exposure, both of which can affect rates. Most insurers ask about your typical commute distance and frequency when calculating premiums. However, the impact is usually moderate—much less significant than factors like your driving record, age, and coverage limits. Be honest about your mileage; underreporting can lead to claim denials.
Local agents offer significant advantages in Pearl River County because they understand the specific challenges of insuring property in a coastal area with complex coverage needs. They can help you navigate the three-policy requirement for homeowners, wind, and flood insurance, ensure you have no coverage gaps, and provide personalized service when filing claims after storms. For complex situations like Picayune's insurance landscape, the expertise is often worth it.
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