Get Kilmichael, MS Home Insurance Rates!

Would you like to easily compare up to 12 competitive rates in Kilmichael, MS without the hassle of having to speak to different home insurance agents all at once? At GetHomeInsuranceQuotes.com, we provide superior home insurance shopping services when it comes to finding cheaper rates with better coverage options. The majority of our carrier options are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more home/auto carriers that are very competitive in Kilmichael.

Getting multiple home insurance quotes in Kilmichael doesn't have to be a burden. Our online quoting process makes it easy for you to get the quotes you need fast so you have time to review, compare and save up to 40% or more on your new homeowners policy. Please visit our home insurance discounts page to find out how you can save additional money on your insurance premium. Our process will run multiple estimates to help you apply all the discounts available so we can help you bundle and package your home insurance coverage together. This process makes it easy for you to get the home insurance shopping done right the first time.

Our Process for Quoting Homes in Kilmichael, MS

Easily save time and money by shopping your policy with us. Cheaper rates are available for homeowners living in Mississippi so it's important to work with a specialized Kilmichael homeowners insurance agent that knows the best carrier that's right for you. Our process is simple and thousands of homeowners just like you enjoy our fast, free shopping service. Once you complete our quoting application, we will present up to 12 rates. We will also assign one licensed home insurance professional to help answer any questions that you may have. Enter your zip code and get your quotes today!

Homeowners Insurance Rates in Kilmichael

Our most frequently asked question usually has to do with a comparision request of what Kilmichael homeowners are currently paying per year and what other homeowners in Montgomery County are also paying. Mississippi may not be considered the most expensive state in the country to buy home insurance, it does rank higher than average at a nationwide rank of 6. Residents of Kilmichael, MS are currently paying $1,674 for homeowners insurance coverage on average, where the majority of the United States home insurance premiums are around $1,311 per year. When we compare quotes, you can expect more affordable premiums at an average range of $1,339.20 to $2,008.80 for the cost of a standard homeowners policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Homeownership in Kilmichael, MS

It's no secret that Kilmichael, MS has now reached over 9,995 residents in population size with 4,195 homes within the city of Kilmichael. The average number of homes per zip code in Kilmichael is around 839. With population density increasing, it's important to make sure your home has the proper coverage within your local neighborhood or district.

Compare Homeowners Insurance Rates in Kilmichael, MS!

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Average Rates Nearby Kilmichael

Are you looking for homeowners insurance in a city near Kilmichael? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Kilmichael, MS

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Kilmichael.

39747,     

Kilmichael, MS Home Insurance Average Premiums

$1028 /yr.

For the city of Kilmichael, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

What is the average home insurance cost for a home in Kilmichael, MS?

What does it cost on average per month for home insurance in Kilmichael, MS?

Kilmichael, MS - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Kilmichael home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Get up to 12 competitive Kilmichael, MS homeowners insurance rates all in one place!

Saving Money Tips on Kilmichael Home Insurance

A great way to save money on Kilmichael homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Are you shopping for the best rate near or wihin the Kilmichael area? Check out what homeowners are paying on average for Mississippi homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Mississippi flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Kilmichael, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Montgomery County.

Mississippi Homeowners Insurance News & Information

Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Kilmichael, MS Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Kilmichael so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Kilmichael, MS?

- The average square footage in Kilmichael is around 655 Sq. Ft. which would cost you around $62,900 to replace the home if you base the home on the price to build per square foot of $96.

Minimum Replacement Cost Total: $62,900

Location: Kilmichael, Mississippi (Montgomery County)

Average Building Cost Per Square Foot in Kilmichael: $96 (low end)

Average Square Footage in Kilmichael: 655 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($96) in Kilmichael, Mississippi times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $300,000 (Media price to build of $120 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.

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