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Welcome

Dave Waldroup
10076 Central Avenue,
D'iberville, MS 39540
Office: 228 396-8882
Fax: 228 396-5891
Cell: 228 326-2791
Email: Dave@SouthMississippiHomesAndLand.com
"North Bay Neighbor" helping neighbor!

Helpful Info > Insurance Rates    

Mississippi Windstorm Underwriting Association

Rates for Windstorm and Hail Insurance

 

Dwelling (1-4 Family, All Protection Classes) and Mobile Homes 

 

Rates per $100 of Coverage

 

                                (Effective October 1, 2007)

 Frame Construction

 

Named Storm Deductible Amount

 

Location

 

2%

5%

10% 15%

20%

North of Interstate 10

$1.307

$1.137

$1.019 $0.928

$0.850

Mainland South of Interstate 10

$1.505

$1.309

$1.174 $1.069

$0.978


 Masonry Construction

 

Named Storm Deductible Amount

 

Location

 

2%

5%

10% 15%

20%

North of Interstate 10

$1.246

$1.084

$0.972 $0.885

$0.810

Mainland South of Interstate 10

$1.433

$1.247

$1.118 $1.017

$0.931

 

 Named Storm Deductible Amount

2%

5%

10% 15%

20%

Mobile Homes $3.158 $2.747 $2.463 $2.242 $2.053

 

 

* All mobile homes and commercial risks located on an island in the Mississippi Sound will be charged a rate calculated by multiplying the otherwise applicable rate by a factor of 3.50

 

Please contact MWUA Office for dwelling rates of risks located on the Barrier Islands.


Special Dwelling Coverage / Rates

Standard $500 Deductible & 2% Named Storm Deductible

Apply Optional Named Storm Deductible Factors to these rates

Effective October 1, 2007

Wind Resistive Dwelling North of Interstate 10 0.348
Wind Resistive Dwelling South of Interstate 10 0.399
Semi -Wind Resistive North of Interstate 10 0.569
Semi -Wind Resistive South of Interstate 10 0.655
Cloth Awning 22.217
Boat House - Frame 9.675
Boat House - Masonry 1.919
Boat House - SWR 0.726
Boat House - WR 0.486

 

 

Fences, Trellises, Pergolas and Slat Houses; Also Seawall, Property Line and Similar Walls

Brick, Iron, Steel or Reinforced Concrete 1.366
Other Construction 16.956

Greenhouses / Hot Houses

Greenhouses - Hot Houses 34.06
Greenhouse Structure (excluding glass, plant, flowers and all buildings / structures physically connected therewith 3.523
Glass in Greenhouse 19.148
Plants and Flowers in Greenhouse 25.253
Piers 5.856
Radio and Television Equipment (Written specifically including outside antennas) 9.770
Radio and Television Equipment (Written specific with amount placed on antennas only) 33.176
Trees, Shrubbery, Plants and Lawns 9.755
Windmills 44.291

                                                       Farm Property              (Effective April 15, 2007)

Barns, Stables and Implement Sheds Type 3

(Commercial Lines Manual - Division Four)

5.227

 

Commercial Rates

Multiply these rates x's each $100 of coverage

(Effective April 15, 2007)

 

Standard  2% Deductible $750 Minimum

Apply Optional Named Storm Deductible Factors to these rates

 

Commercial other than Habitational

 

Co-insurance Factor

Construction

0%

 

50%

 

80%

 

90%

100%

Wind Resistive (AA)

1.617

.970

.646

.615 .581

Semi-Wind Resistive (A)

2.415

1.450

.966

.917 .869

Masonry (B,S,B-E,B-HT,S-IC)

6.474 3.884 2.589 2.461 2.330
Frame (D,BV,SIC,IC,P,HT,HCB,E)

8.107

4.864 3.243 3.081 2.919

Habitational (Apartments, Rooming Houses, & Motels without Restaurants)

 

Co-insurance Factor

Construction

0%

 

50%

 

80%

 

90%

100%

Wind Resistive (AA)

1.653

.992

.661

.627 .595

Semi-Wind Resistive (A)

3.279

1.967

1.312

1.246 1.181

All Other Construction

6.837 4.102 2.735 2.599 2.461

Above rates apply except where; E Wall charge is applicable, published extended coverage rates and special class extended coverage rates. Refer to the Commercial Lines Manual or the Mississippi State Rating Bureau for such rates.



Special Group II Rates

Click HERE to use our search form to view Special Group II Rates

 

 

 

 

 

 

 

 

 




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