Homeowners Insurance in Hattiesburg, Mississippi
Protect Your Home. Preserve Your Peace of Mind.
Your home is more than a structure — it’s where life happens. At The Howlett Insurance Agency, we help homeowners across Hattiesburg, Forrest County, Lamar County, Perry County, and beyond secure personalized, affordable homeowners insurance.
As your local, independent agency, we pair deep Mississippi knowledge with real, human service — no call centers, no fluff, just coverage that works when you need it most.
What Does Homeowners Insurance Cover?
A standard homeowners insurance policy offers a broad package of protections — combining property coverage with personal liability. It’s designed to shield your home, belongings, and finances from unexpected losses such as fire, theft, storms, and more.
Here’s what your policy typically includes:
Dwelling Coverage
Helps pay to repair or rebuild your home after damage from covered perils like fire, wind, or vandalism.
Other Structures
Covers detached buildings on your property, like garages, fences, and sheds.
Personal Property
Protects your belongings — including furniture, electronics, and clothing — whether they’re damaged or stolen.
Liability Protection
Covers legal expenses and damages if someone is injured on your property or if you’re responsible for property damage elsewhere.
Loss of Use / Additional Living Expenses
Helps cover temporary housing and living expenses if your home becomes uninhabitable due to a covered claim.
Custom Coverage Available: Need protection for jewelry, high-value items, identity theft, or storm-related risks? We offer policy add-ons to make sure you’re fully covered.
Why Choose Howlett Insurance Agency?
Local. Personal. Transparent.
We’re not a call center — we’re your neighbors. Here’s why Hattiesburg homeowners trust us:
Local Knowledge
We understand regional risks — like Gulf Coast weather — and tailor your policy accordingly.
Real Agents, Real Help
No robots, no runaround. When you call, a licensed Mississippi agent answers.
Independent Advantage
We work with multiple top-rated insurance carriers to offer competitive pricing and better coverage options.
Straight Talk & Honest Advice
We explain coverage in plain English and never push what you don’t need.
Claims Advocacy
If you file a claim, we stay involved — from documentation to resolution — to ensure you're treated fairly.
Common Questions About Homeowners Insurance
Is homeowners insurance required in Mississippi?
While it’s not required by state law, most lenders require it to protect your mortgage. Even if your home is paid off, it’s crucial for protecting your investment.
How much coverage do I need?
You should insure your home for its full replacement cost — not its market value. We’ll calculate that based on size, materials, labor, and any special features or upgrades.
What’s not included in a typical policy?
Standard policies don’t cover floods, earthquakes, sewer backups, or routine wear and tear. We’ll help you explore additional policies or endorsements if needed.
Can I bundle my home and auto for a discount?
Absolutely! Bundling is one of the easiest ways to save money and simplify service by keeping everything under one agency.
What happens if I need to file a claim?
You’ll contact us or your insurance carrier, and an adjuster will be assigned. We guide you through every step to ensure prompt, fair handling.
Get Peace of Mind — Locally
Whether you're a first-time buyer or reassessing your current plan, we'll help you choose coverage that fits your life, your home, and your budget — with the service you only get from a hometown agency.