Mississippi renters insurance

If you're looking for reliable, affordable renters insurance in Mississippi, Progressive can help. With customized protection and numerous discounts, you can find a great price on renters insurance and receive a personalized quote.

3 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

Is renters insurance required in Mississippi?

Although renters insurance isn’t required by Mississippi law, your landlord or the company that manages your apartment building, condo, or house may mandate a renters policy before you can move in. Even if you’re not required to carry renters insurance, a renters policy is generally affordable and may cover your belongings against certain perils. Plus, your renters policy may pay for you to live elsewhere if you’re unable to stay in your residence while it’s being repaired or rebuilt because of a covered loss that has caused it to be unsafe or not suitable to live in.

Mississippi renters insurance coverages

Check out the four standard coverages on nearly all Mississippi renters insurance policies:

Personal property protects your personal belongings, including furniture, clothing, and electronics.
Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments pays for others' medical expenses due to a covered occurrence.

Additional coverages

For tenants renting apartments, condos, or homes, the best renters insurance in Mississippi is always a policy with customized coverage limits. Here are some extra options for when you need more protection:

Certain valuable items, like jewelry, art and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
Personal injury: May pay for legal fees and damages if you’re liable for slander or defamation.
Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about renters insurance coverages.

Common claims in Mississippi

Mississippi has notoriously volatile weather – 82 tornadoes were reported in 2020. Hurricanes and tropical storms are also concerns for the state. Your Mississippi renters insurance policy may pay for damaged personal belongings from a covered peril up to your policy's limits, minus your deductible.

Mississippi sees floods regularly due to the Mississippi River. The river funnels water from 41% of the continental US, making the state vulnerable to heavy rains elsewhere in the country. Although renters insurance policies don't protect against floods, a separate flood insurance policy may help protect your possessions against water damage from heavy rains and rising water levels.

Discounts on Mississippi renters insurance

Progressive offers several discounts to help lower the cost of renters policies in Mississippi, such as:

Multi-policy
Pay in full
Secured/gated community

See more of our available renters insurance discounts.

Pro tip:

Bundle renters with auto insurance and save! We make it simple to get a bundled quote and earn a multi-policy discount, even from your phone.

What does Mississippi renters insurance cost?

You can buy Mississippi renters insurance from Progressive for less than $1/day.^* Many components influence the cost of renters insurance in Mississippi, including your location and coverage limits. Learn more about renters insurance cost factors.