Mississippi Renters Insurance From Effective Coverage Protects You Across The Magnolia StateMississippi gets its name from the Mississippi River, given to it by Native Americans. It was used on maps of the area as early as the late Seventeenth Century, such as on a map produced by French explorer René-Robert Cavelier Sieur de La Salle. The original word means “father of waters” or “large river” in the Chippewa tongue.
Mississippi has a number of state nicknames. The most commonly known is the “Magnolia State.” That one is pretty self-explanatory, given the abundance of magnolia flowers and trees in the state.
Mississippi is also known as the Eagle state, probably in the context of the eagle on the state flag. The “Mud-Cat State” is probably attributable to the catfish the state is known for. The “Bayou State” owes to the coastal regions. Mississippi is home to many large cities. Jackson, the state capital, is home to almost 200,000 people. Gulfport is a booming coastal city. Hattiesburg is home to the University of Southern Mississippi. Meridian, Tupelo, Greenville, and Olive Branch are also important cities.
If you’re looking for an apartment in Mississippi, you have your choice of great locations. Waters Mark apartments in Gulfport offer easy access to the multitude of jobs this region has to offer. In Meridian, you’ll find quiet and peaceful living at Landmark Apartments or Stratford Manor. If you’d rather rent a home in northern Mississippi just outside of Memphis, Progress Residential offers single-family rentals that might be perfect for your lifestyle.
Mississippi primarily offers a humid subtropical climate. You’ll find long summers, and short winters that rarely drop below freezing. Many people prefer this weather, but in the southern part of the state the climate also means hurricane risk. It’s important to ask if your Mississippi renters insurance covers windstorm losses because of this – they may be excluded in certain parts of the state.
Mississippi has a strong economy, though it’s still very much based in agriculture. A solid third of the state’s labor force works in agriculture. This is down from previous years, as the state slowly changes. Manufacturing is another important industry in the state, and fishing is a solid third place. Gambling is coming back, though it took a hit during the recession. Oil and gas have potential, but the long-range outlook on fossil fuels may be changing due to other recent innovations.
The politics of Mississippi tend to lean solidly to the right. This is largely due to the impact of religion on the state and its history. Mississippi was an important part of the Civil Rights movement. Mississippi has also contributed much to the nation with authors such as Faulkner. In Mississippi, the population is less concentrated in urban centers than in other states, largely because of the influence of agriculture on the economy.
When you get a new apartment, Mississippi renters insurance should be the first thing you think about. Renters insurance in Mississippi is quite affordable, around $187.00 for a year’s worth of coverage. That coverage protects you whether you set a box on top of the stove while moving in and it catches fire, or someone steals your stuff a year from now. It’s the most comprehensive protection you can get for your family, and more affordable than you think.
Effective Coverage works to educate people about the coverage available to them, because most people don’t realize how affordable renters insurance in Mississippi can be. Our mission is providing solutions for those buying and requiring insurance, because insurance is our world and we want you to get back to yours. You can start the process of getting coverage online, and a friendly insurance expert is just a quick phone call away. We also offer efficient solutions for landlords who want Mississippi insurance tracking solutions. Tracking renters insurance and ensuring compliance with commercial insurance requirements for vendors has never been easier.
Whether you need renters insurance in Mississippi or you need easy Mississippi certificate tracking solutions, Effective Coverage has the answers. We make it easy and let you get back to the rest of your life. We’re easy to reach, online, by web chat, or by calling a friendly insurance expert at (800)892-4308.
2021 Mississippi Renters Insurance Guide Table Of Contents
- What Should I Know About Mississippi Renters Insurance In 2021?
- What Risks Does Renters Insurance In Mississippi Protect Me Against?
- Does Mississippi Renters Insurance Cover Windstorms?
- Can My Landlord Require Mississippi Renters Insurance?
- Can I Get Mississippi Renters Insurance If I Have A Claim?
- Mississippi Renters Insurance Fast Facts
- Bonus Section: 2021 Guide To Renting In Mississippi
What Should I Know About Mississippi Renters Insurance In 2021?
- Fewer people than ever have the savings to recover from a disaster.
- Mississippi renters insurance costs about fifteen dollars a month on average.
- Your landlord will require that you have a renters insurance policy.
- Effective Coverage makes it easy to get a policy.
- Your policy protects you against risks to your personal property and also offers liability and other coverage to protect your future.
Many people in Mississippi work very hard for little money in 2021. These are the people who can least afford to solve the problems they have after a theft, a fire, or an accident where they damage someone’s property. All of these problems can be prevented by having Mississippi renters insurance in 2018, and for less money than you think.
The average renters insurance policy in Mississippi costs about fifteen dollars a month. That’s affordable to most families, and it provides protection against the worst happening. Fewer Americans than ever before have savings.
Savings aren’t a replacement for renters insurance, of course, but most people don’t even have that to fall back on. In Mississippi renters insurance is the only thing most families have to protect them from a crisis.
You should also know that your landlord probably will require you to have a policy. The landlord isn’t expecting you to insure the building, of course. That’s the landlord’s job and there are specialized policies for landlord insurance in Mississippi which cover the building. But if you’re responsible for damage to the building, from a fire or water damage caused by your negligence, you’re responsible to pay back the landlord’s insurance company. This is a huge risk. In 2021 Mississippi renters insurance can save you from financial ruin by paying for that loss.
Mississippi renters insurance can be hard to find. Many companies aren’t writing here, and some of the companies that are have hurdles to overcome in their underwriting standards. That’s why Effective Coverage has made it easy to buy renters insurance in Mississippi online. Getting started takes about sixty seconds, and we can send proof of coverage to your landlord instantly.
What Does Renters Insurance In Mississippi Protect Me From?
Mississippi renters insurance has a number of different types of coverage that all work together to protect you from a wide variety of risks. Liability coverage protects you from the cost of bodily injury or property damage that you cause. Personal property coverage protects your stuff against fire, theft, vandalism, and a number of other common perils. Loss of use protects you from the additional costs of living after a covered loss. Medical payments to others protects you when a guest is injured in your home.
Do you really need all this protection? Yes. Lawsuits are filed every day against people who have little or no money, because you bumped into someone and they were injured by the fall or because an apartment fire was your fault. A friend who was over for dinner and helping you clean up gets injured by a dropped glass. The injury could be covered under medical payments or liability coverage on renters insurance in Mississippi, depending on the severity of the injury. Liability coverage even provides you with a lawyer and pays for defense costs against the claim.
Personal property coverage is important because American savings are at an all-time low. That makes it harder than ever before to recover from even a small loss. One small fire, or even one stolen laptop, can be the difference between living paycheck to paycheck and having everything fall apart. On the other hand, if you have renters insurance in Mississippi, you know that your property can be replaced if it suffers a loss from any of the long list of named perils listed in the policy. That brings you peace of mind as well as the ability to easily recover from the things life throws at you.
Does Mississippi Renters Insurance Cover Windstorms?
- In some locations, wind coverage may not be included. Whether you want to seek it out or not depends on your personal risk tolerance.
- Flood is never covered, but burst pipes are.
- Storm severity is expected to increase in 2021, putting you and your family at greater risk.
Whether renters insurance in Mississippi covers wind depends on your location and your policy. In much of the state, wind and hail coverage on renters insurance is part of the policy. The coverage may be excluded in certain parts of the Gulf Coast as well as areas that are at high risk of hurricane damage. There is good news to be found, though. Wind coverage can often be purchased separately from your policy.
Is windstorm coverage on Mississippi renters insurance important? That’s a choice you have to make based on your personal risk tolerance. If you live up in Olive Branch, the coverage is probably included in your policy. In Gulfport, it might not be. The policy and the application should clearly disclose if windstorm and hail coverage is excluded, and that disclosure will also let you know how you can acquire wind coverage. Some people feel that the risk to their property is minimal, and are happy without wind coverage. Some people want to be protected from every possible risk. That’s called your personal risk tolerance.
It’s important to remember that hurricane damage isn’t just limited to wind and hail. Flooding is a very real risk. Renters insurance in Mississippi doesn’t cover floods, but that’s standard across the country. Flood insurance is a different kind of policy. You can get flood insurance for contents, or personal property, and it’s generally very affordable because you’re not insuring the building.
Hurricane and tropical storm severity can be expected to increase in 2021, based on the last several years. More storms and storms of greater strength means more risk of windstorm damage and flooding. As risk increases, so does the need for insurance. Fortunately, insurance is affordable and easy to get. Effective Coverage works to make renters insurance in Mississippi affordable and accessible to everyone.
Can My Landlord Require Mississippi Renters Insurance?
- Landlords in Mississippi can require renters insurance, as long as it’s in the lease.
- Reading your lease before you sign it is important.
- Your landlord requires coverage that’s designed to protect you, not the landlord.
Yes, Mississippi landlords can require renters insurance. It’s one of many provisions that can be included in your lease, because a lease is just a contract freely entered into between you and the landlord. It is assumed that you have read the contract before signing it and that there is a meeting of the minds leading to the agreement. That means that if the lease requires renters insurance, you’re assumed to have read and understood that part as well.
While you still need to read the lease before you sign it, you may safely assume that any professionally managed apartment is going to require that you have Mississippi renters insurance. They’ll also require that you list the landlord as an additional interest. That doesn’t give them any coverage. It just gives them notice if the policy lapses, non-renews, cancels, or otherwise has a change in status. While you pay your renters insurance bill every month, your neighbor may not. That’s why landlords want to be listed on renters insurance policies.
The policy your landlord requires is designed to protect you, not the landlord. Even a small kitchen fire can cause tens of thousands of dollars in damages to your apartment and smoke damage can permeate the entire building. Liability coverage on Mississippi renters insurance protects you from the costs of those damages.
It also protects you from the cost of defending yourself against the claim. Landlords know that tenants who have renters insurance recover faster, and are better able to handle the costs of the loss quickly which keeps the community stable. Requiring renters insurance in Mississippi benefits everyone who lives in the community.
Can I Get Mississippi Renters Insurance If I Have A Claim?
Some people have trouble getting renters insurance in Mississippi if they’ve had a claim. Effective Coverage works with a number of underwriters who can take on nearly any situation. If you’ve had a claim, you can get renters insurance. It’s just a matter of placing the policy with the correct underwriter whose standards fit your situation. The insurance experts at Effective Coverage can help you get the right policy at the right price for your needs.
The impact of a claim on the price of Mississippi renters insurance depends greatly on the type of the claim and the amount that was paid. A claim that was closed without payment, or with a small payment, might have little to no impact on the price of your policy. Larger claims can have a larger impact, but let’s keep things in perspective. If your renters insurance was $200 a year, and it paid a $50,000 claim and $20,000 of defense costs, it might go up. Perhaps you pay $300 a year for a few years. That’s a small increase for a large amount of protection.
If you’ve had a claim, or if you’re having trouble getting renters insurance in Mississippi in 2021, Effective Coverage can help. Just call (800)892-4308.
Mississippi Renters Insurance Fast Facts
- The average price of renters insurance in Mississippi is about fifteen dollars a month.
- Renters insurance in Mississippi can protect your entire family, including children who can’t contract for their own policy.
- The average fire loss per structure is $20,700 according to the NFPA.
- Just because someone has insurance for the damage you cause doesn’t make you not liable. Their insurance company can sue you for the money they paid to cover the loss. Your policy defends you and pays for the loss up to the policy limit, if you’re liable.
- Renters insurance protects you from liability risk, risk to your personal property, and costs incurred following a covered loss
Bonus Section: 2021 Guide To Renting In Mississippi
Finding An Apartment In Mississippi
Finding an apartment in Mississippi gives you a wide array of choices. Whether you’re looking for a single-family rental away from the city or an apartment in downtown Jackson, there are plenty of options. You’ll find that those options have a variety of price points, as well.
An unexpectedly low price for an apartment might just be an indicator that there’s something else you should know. While rents are fairly low across the state, anything below market rate should be viewed with suspicion. Is there deferred maintenance that will cause problems or habitability issues? Is the property in foreclosure, with a landlord collecting rent but not paying the mortgage?
In Mississippi, apartments are often advertised 30 days before they’re available. The landlord will advertise it when the tenant gives notice that they’re moving out. You’ll need to plan ahead to account for this, but that’s fine – you probably need to give 30 days notice on your own lease. If you’re moving from out-of-state, you might have a little more trouble but Mississippi landlords are often flexible.
Many people move from out-of-state in hopes of finding apartments in Mississippi. It’s a good idea to plan ahead. There are a number of national real estate companies who are used to working with future residents from afar. If you’re looking for apartments in Gulfport or Meridian rentals, work with Sandalwood Management. Further north, consider Progress Residential for single-family home rentals in Mississippi.
Your lifestyle will vary based on the rental you choose, the area it’s located in, and the people around you. Just like anywhere else, it’s important to pay attention to more than just the apartment when considering a place to live. Consider your surroundings, and make sure to see the area during the day and at night before signing a lease. Don’t forget to time your commute during the right time of day, as well.
Mississippi apartments are easy to find, and it’s a great state to live in. One more thing to consider is the rights you have as a tenant. There is more to Mississippi tenants rights than what’s in your lease. There is an entire body of law that protects you and also determines what your lease can and cannot do. Your lease is binding, but your rights also matter.
Mississippi Tenant Rights
Mississippi apartment leases can be for a fixed term, with an end date, or periodic such as month to month. A periodic lease automatically renews unless one party or the other gives the appropriate notice. In general, fixed term leases offer more protection because the details and requirements of the lease can’t be changed during the term. Those details can, of course, be changed at renewal because you’ll be signing a new lease for another fixed term. If you don’t sign the new lease, the tenancy ends at the termination date of the original lease.
Can a landlord be required to make repairs to an apartment in Mississippi? Absolutely. If the lease states that the repairs will be made, that part of the contract is enforceable. Common areas must be kept in good repair, and your landlord is required to comply with all codes and other laws. If there is a dangerous electrical or plumbing condition, the landlord can be required to fix them and comply with codes.
It’s important to note that code compliance reports should probably be a last resort against your landlord. On one hand, the repairs will be forced. But where there is one code violation, there tend to be many. In some cases, one code violation leads to finding many others. The enforcement authority could declare the entire building to be uninhabitable, in which case you’d have to find a new apartment immediately without any warning. Using code compliance is a last resort to get your landlord to fix something.
A tenant must give 30 days written notice of the problem to the landlord. If the landlord doesn’t make the repair after 30 days, the tenant may cancel the lease, repair and deduct, or sue the landlord to force the repairs. There are specific rules that apply to repair and deduct that must be followed, so it’s best to contact a local landlord-tenant organization for advice on how to proceed.
In Mississippi, it’s crucial to read your lease. You live in one of the only states where self-help evictions are allowed when written into the lease. In other words, a Mississippi landlord can change the locks and put you out on the street without going through the courts if your lease says they can. It must be accomplished without breaching the peace, and written notice is still required, but you need to look out for this lease provision. Not only is it deeply concerning, it’s also a strong indication that there may be other unpleasant things written into your lease.
Mississippi is a great place to rent your home. The legal protections you enjoy aren’t the only kind that you need. Once you’ve found the perfect home, make sure you have the right protection. Just call (800)892-4308 or click above to get the Mississippi renters insurance you need with easy payments and coverage you can rely on. Effective Coverage insurance experts are happy to answer your questions and help you to understand what type and amount of coverage may best fit your personal situation.