Kundert Williams Ins Agcy
122 W Center St, Madison, SD 57042
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Madison households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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122 W Center St, Madison, SD 57042
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Madison residents.
Discover auto, home, and insurance options in Madison, AL. Learn requirements, costs, and local agent insights for this fast-growing tech suburb.
Mississippi requires liability coverage with minimums of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Driving without insurance can result in a $1,000 fine and one-year license suspension. Most Madison residents carry higher limits to protect their assets.
It depends on your location and mortgage requirements. If you're in a FEMA-designated flood zone with a mortgage, it's required. However, given Madison's proximity to Ross Barnett Reservoir and the 2020 flood event, many residents outside flood zones still purchase coverage. Madison participates in FEMA's Community Rating System, offering discounts on flood insurance premiums.
Full coverage auto insurance in Madison averages about $145 per month, while minimum liability coverage costs around $661 annually across Mississippi. Your actual rate depends on your driving record, age, vehicle, credit score, and coverage limits. Shopping with multiple local agents can help you find the best rates.
A standard policy covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable. It protects against fire, wind, hail, lightning, theft, and vandalism. It does not cover floods, earthquakes, or normal wear and tear. Given Madison's higher home values, replacement cost coverage is strongly recommended.
Local agents offer significant advantages: they understand Madison County's specific risks like reservoir flooding, they can provide personalized service, and they're available when you need to file a claim. Agents like Robin Covington and Jason Quin have deep community ties, while independent agencies can shop multiple carriers to find you the best rates and coverage.
Madison participates in FEMA's Community Rating System (CRS), which rewards communities that exceed minimum floodplain management standards. CRS participation allows Madison residents to receive discounts on National Flood Insurance Program policies. The exact discount depends on Madison's CRS rating, but it can reduce premiums by 5% to 25%.
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