If you're renting a home in Mississippi, you'll want adequate protection. Your property and liability need proper coverage to avoid financial loss. Fortunately, Mississippi homeowners insurance can help with a renters policy.

A Mississippi independent insurance agent has access to several markets so that you're fully covered within your budget. They do the shopping at no additional cost, making it easy. Connect with a local expert for tailored quotes in minutes. 

What Is Renters Insurance?

There are Mississippi home policies that protect renters. When you don't own a place but still need coverage for your liability and belongings, a renters policy can help. Take a peek at how renters insurance is purchased:

Home and renters insurance purchase channels in the US, by generation

There are basic policy limits that will come on most renters policies. You'll be able to adjust the amounts based on your needs.

• Personal liability: This is financial coverage for your negligence in bodily injury or property damage.
• Personal property: Aka personal belongings coverage, this is coverage for all your non-permanently attached items such as furniture, clothing, and more. 
• Additional living expenses: This is coverage if you have to move out of your rental home because of a claim, and it will help pay for that stay.
• Theft and vandalism: This is coverage for stolen or damaged property due to theft or vandalism.

What Doesn't Renters Insurance Cover in Mississippi?

Every Mississippi renters insurance policy will come with exclusions. It's crucial to understand what's covered under each limit for proper protection. Take a look at what's not included in a renters policy:

What your renter's policy won't insure:

• Dwelling coverage for the structure: This is coverage for the actual property itself and is determined by running a replacement cost estimator. The owner of the structure is responsible for obtaining this.
• Additional structures: This coverage provides insurance for detached garages or sheds. This is the responsibility of the owner of the building.

Is Renters Insurance Really Necessary in Mississippi?

There are numerous exposures no matter where you reside. When you're insured correctly, you won't have to worry about losses that might come your way. Take a look at some of the most common perils that you'd want your Mississippi renters insurance to cover:

• Fire
• Theft and vandalism
• Storm damage
• Flooding
• Bodily injury
• Property damage

Where Can I Purchase Renters Insurance in Mississippi?

When you're looking for accurate coverage that won't break the bank, a licensed adviser can help. A local independent insurance agent works with several A-rated carriers so that you have a lot of choices. Reputable companies are crucial when you're shopping for renters coverage. All carriers have their own flavor of protection, and some may be more suited for your situation than others. Review your policies to ensure you're with the right one.

The Cost of Renters Insurance in Mississippi

Renters insurance in Mississippi is typically inexpensive compared to other policies. Carriers look for specific risk factors when calculating your costs. Your premiums will be based on the following:

• The value of your personal property
• The limits you select 
• The location of where you rent
• Prior claims
• Insurance score

Average renters insurance premiums in the US

All policies and premiums are different and will depend on your personal data. For exact quotes, consider working with a trained agent.

How a Mississippi Independent Insurance Agent Can Help

Renters insurance in Mississippi can be challenging if you're not a licensed professional. You'll have multiple options and limits to select when choosing your coverage. Fortunately, a trusted adviser can review your policies for free.

A Mississippi independent insurance agent will help you find coverage that's sufficient and accurate. They work with several carriers, giving you affordable choices. Connect with a local expert on TrustedChoice to get started in minutes.