There are several ways to protect your belongings when it comes to personal and business property. You've worked hard to accumulate your keepsakes, and coverage matters. Mississippi homeowners or commercial policies will have limits to insure your contents.

A Mississippi independent insurance agent will do all the heavy lifting and find a policy that suits your needs and budget. Since they do the shopping for you at no cost, it's a no-brainer. Connect with a local expert for custom quotes to get started. 

What Is Contents Coverage Insurance?

In Mississippi, you'll want coverage for your personal and business property, and each is insured differently. Check out how contents can be covered under your policies below:

• Personal property: This coverage is found under your homeowners policy and is a percentage of the dwelling amount listed. Limits can be adjusted and cover the replacement or repair of the belongings in your home.
• Business property: This policy covers anything from office furniture to structures. It will provide replacement or repair limits.
• Business inventory: Inventory for your business is a separate coverage that insures the replacement or repair of your merchandise, food, and products.
• Personal articles floater: This policy pays for your more valuable personal items such as an engagement ring or fine art. A deductible usually doesn't apply, and it replaces a scheduled item at the appraised value.
• Inland marine: This policy is often used to pay for replacing or repairing business equipment in transit. 

US imports of business machines and equipment in recent years (in billion US dollars)

While you may not own content that's as big as commercial machinery, everyone owns something. Whether you have personal or business property that needs insuring, the right coverage is necessary. 

What Does Contents Coverage Insurance Cover in Mississippi?

When it comes to protecting your contents, standard coverages are included under your property policies. The type of policy will depend on the kind of belongings you're insuring. Let's look at common coverages for your contents:

• Coverage for damage caused by a fire
• Coverage for damage caused by a natural disaster
• Coverage for mysterious disappearance
• Coverage for theft and vandalism
• Coverage for damage caused by water 

What Does Contents Coverage Insurance Cost in Mississippi?

Your commercial insurance premiums will be specific to the property you're insuring. Carriers use certain risk factors when calculating your costs. Take a look at the factors companies consider when quoting Mississippi contents coverage:

• Loss history
• Replacement cost values
• Protection measures in place
• Location
• Local crime rate
• Local weather patterns

Will My Location Impact My Rates in Mississippi?

Insurance companies in Mississippi will use your location to set your rates. They use local crime patterns, severe weather losses, and structure values to determine your costs. 

Number of natural disasters worldwide in one recent year (by type)

A natural disaster can wreak havoc on your belongings. Damage can be extensive, and the right policy is necessary to avoid financial distress.

How an Independent Insurance Agent Can Help in Mississippi

Coverage for your contents, whether personal or commercial, should be reviewed by a professional. There are numerous factors when setting limits, making it difficult to know what's best. Fortunately, you won't have to find coverage on your own.

A Mississippi independent insurance agent will have access to several carriers at once, saving you time and premium dollars. They'll even do the shopping for you at no additional cost. Get connected with a local expert on TrustedChoice.com for free.