Silveus Southeast
516 Browns Cove Rd, Ste J, Ridgeland, SC 29936
View this agency's profile to learn more about their services.
Loading...
City directory
Ridgeland households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
516 Browns Cove Rd, Ste J, Ridgeland, SC 29936
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Ridgeland residents.
Ridgeland auto insurance guide: Mississippi's 25/50/25 requirements, I-55 corridor risks, high uninsured driver rates, and why minimum coverage isn't enough.
Yes, you should strongly consider it even if you're not in a designated flood zone. The reservoir has very limited flood storage capacity with only a three-foot buffer between normal pool (297 feet) and emergency spillway activation (300 feet). Standard homeowners insurance doesn't cover flood damage, so you'll need a separate policy through the National Flood Insurance Program (NFIP) to protect your investment.
Ridgeland falls in Madison County, which is classified as a very high-risk tornado area. Mississippi homeowners overall pay 49% more than the national average, with rates increasing 11.2% in 2024 alone. The combination of severe weather exposure, historical tornado activity including a catastrophic F5 in 1966, and recent EF1 touchdowns drives these higher premiums.
Most Ridgeland homeowners pay between $3,000 and $3,400 annually, or roughly $250-$280 per month for standard coverage on a $300,000 home. Your actual rate depends on your home's age, construction type, proximity to the reservoir, claims history, and the coverage limits and deductibles you choose. Newer homes in developments may qualify for lower rates.
Probably not adequately. Most standard homeowners policies have limited coverage or exclusions for detached structures like docks, boathouses, and boat lifts. You'll typically need to add specific endorsements or schedule these structures separately to ensure they're fully covered. Always ask your insurer about sublimits for detached structures.
Yes, several discounts are available. Bundling home and auto insurance typically saves 15-25%. Installing monitored security systems, impact-resistant roofing, or storm shutters can reduce premiums by 5-20%. If your home is newer or you've made recent upgrades to electrical, plumbing, or HVAC systems, make sure your insurer knows. Being claims-free for 3-5 years and increasing your deductible can also lower your rates.
Always choose replacement cost coverage for your dwelling in Ridgeland. Actual cash value factors in depreciation, meaning you'd receive less money to rebuild after a total loss. With construction costs fluctuating and the area's severe weather risks, replacement cost ensures you can actually rebuild your home to its current state without paying the difference out of pocket.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network