The proper protection from a storm could mean the difference between you paying for a claim out of pocket and the carrier covering it. When it comes to your home, there are numerous limits you'll want to obtain to avoid financial ruin. Fortunately, Mississippi homeowners insurance can have coverage for damage to your home after a tornado. 

A Mississippi independent insurance agent has access to multiple markets so that you get the best options on policy and price. Since they do the shopping for free, you'll save big time. Connect with a local expert to get started in minutes. 

What Is Tornado Insurance?

Most Mississippi homeowners policies will come standard with severe weather coverage. Tornado damage is typically included. Take a look at how tornado insurance can help in the event of a loss:

• Tornado insurance: This type of property insurance covers a structure for losses due to a storm. Tornadoes, hurricanes, severe winds, lightning, hail, and more can cause damage to your property.

Estimated overall losses due to natural disasters in the US in one recent year, by type (in million US dollars)

You'll want to be fully protected from all disasters in Mississippi. When you understand what's covered, you'll be better prepared for a tornado.

What Does Homeowners Insurance Cover in Mississippi?

Home insurance in Mississippi comes with limits that make up a basic policy. The majority of homeowners policies have the following coverages:

• Dwelling limit: Pays for the replacement or repair of your home itself when a covered claim occurs.
• Personal property: Pays for the replacement or repair of your personal belongings.
• Personal liability: Pays for claims of bodily injury, property damage, or slander against a household member.
• Additional living expenses: Pays for your temporary stay at another property when a claim renders your home uninhabitable. 
• Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.

Catastrophes That Occur in Mississippi

In Mississippi, 414,262,000 homeowners claims were paid last year alone. Some of the common ones you'll want protection for are:

• Severe storms and lightning
• Burglary and other property crimes
• Hurricanes and tropical storms
• Tornadoes
• Flooding and water damage

Number of tornadoes in the US

There are numerous risk factors you'll have to account for when it comes to protecting your home. Tornadoes can wreak havoc on your property and create a devastating loss.

Is All My Property Protected from a Tornado in Mississippi?

In Mississippi, your homeowners policy will insure most aspects of your property. Check out what your insurance will cover when a tornado loss occurs:

• Electrical and plumbing systems
• Foundational elements
• The structure itself
• Detached garages
• Well water tanks and pumps  
• Personal belongings

Does Homeowners Insurance Cover Tornado Damage in Mississippi?

Your homeowners policy in Mississippi will come with tornado damage coverage automatically. How it's covered is another story. Check out the different values used for replacement of your property:

• Replacement cost: Pays to replace your property to like kind and quality when a claim occurs, including storm damage.
• Actual cash value: Pays to replace or repair your property to the current market value. This typically only applies to roofs, but can apply to the actual home itself if old enough.

How a Mississippi Independent Insurance Agent Can Help

The place that you want protection for can mean more to you and your family than just a place to live. Your Mississippi homeowners insurance should come with coverage for all the what-ifs. Fortunately, a licensed professional can help for free.

A Mississippi independent insurance agent does the shopping for you at no additional cost. They have a network of carriers so that you get options on policy and price. Connect with a local expert on TrustedChoice.com for tailored quotes in minutes.