Protect Your Home & Peace of Mind
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Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
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Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
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Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Discounts available in Mississippi
The average cost of home insurance has increased to $1,907 per year in Mississippi, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security and fire alarms.
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We've got Mississippi covered.
We help Mississippians find coverage across the entire Magnolia State!
We sell policies in every county in Mississippi, including in these major cities:
- Biloxi
- Gulfport
- Hattiesburg
- Jackson
- Meridian
- Olive Branch
- Oxford
- Southaven
- Tupelo
Frequently asked questions about Mississippi home insurance
Is homeowners insurance expensive in Mississippi?
Yes. Due to hurricane risk and severe weather patterns, Mississippi homeowners insurance tends to cost more than the national average, especially in coastal areas.
Does homeowners insurance cover sinkholes?
No. Earth movements, such as sinkholes, are typically excluded in standard homeowners insurance policies. A sinkhole coverage endorsement or separate policy may be available from some insurance providers.
What is the Strengthen Mississippi Homes grant for 2026?
It’s a state-supported and funded program that provides up to $10,000 to eligible homeowners to upgrade their roofs and improve storm resistance by complying with the IBHS FORTIFIED roof standards.
How does a 5% hurricane deductible work in MS?
A 5% hurricane deductible means you pay 5% of your home's insured value out of pocket in the event of an approved claim. Insurance would help cover the rest of the damage, up to your policy limit. For example, if your home is insured for $300,000, your deductible would be $15,000.
Can I appeal a nonrenewal under the 2026 45-day law?
Yes. Contact your insurance company as soon as possible to discuss the reasons for nonrenewal and provide supporting documentation for the appeal. It’s still a good idea to shop for new insurance, as there is no guarantee your insurer will reinstate your policy.
Is flood insurance required if I don't live on the coast?
Flood insurance is usually required if you live in a high-risk flood zone and have a mortgage, regardless of whether your home is inland or on the coast. It’s optional otherwise, but strongly recommended. Flooding can happen anywhere, and standard homeowners insurance does not cover it.
