Mississippi renters insurance

Tenants looking for affordable renters insurance in Mississippi can get reliable coverage for less than $1/day^* through Progressive. Learn about coverages, discounts, cost information and requirements for Mississippi renters insurance.

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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:

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

Learn more about all of our renters insurance coverages.

Is renters insurance required in Mississippi?

Renters insurance isn’t required by law in Mississippi, but your landlord or rental company may require you to have a policy before you can move in. Even if it’s not required, renters insurance provides affordable protection for tenants renting apartments, homes, or condos in the Magnolia State.

Pro tip:

Wondering if your belongings are protected while in transit or storage? Learn how renters insurance covers your items when they’re being moved or stored.

Is renters insurance worth it in Mississippi?

Renters insurance provides affordable protection for tenants in a variety of circumstances. For example:

Wind damage to your apartment building requires you to move out while repairs are being made. Loss of use coverage may pay for your temporary lodging while you are out of your home, up to your coverage limit.
Your car is broken into, and your laptop is stolen. Personal property coverage may pay to replace your computer, up to your coverage limit.
Your dog bites a guest. Liability coverage may pay for medical bills and legal costs if you’re sued, up to your coverage limit.

How much is renters insurance in Mississippi?

Progressive renters policies in Mississippi had an average monthly price of $28 or $335.95 for an annual policy, in 2023.^** Remember that your cost for renters insurance is determined by many components, including your location, type of residence, and claims history.

Coverage limits may also affect your renters insurance premium. Generally, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Mississippi?

Take advantage of renters insurance discounts to help lower your rate. Progressive offers savings for bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

BUNDLE YOUR MISSISSIPPI RENTERS WITH AUTO INSURANCE AND SAVE!

You may be able to bundle renters and auto policies to earn a discount. Learn more about bundling insurance at Progressive.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436, or speak with a local agent to help ensure you're getting all applicable discounts.