Mississippi insurance premium discounts for homes mitigated to IBHS standards

How it works

The Mississippi Insurance Department says state law requires insurance companies to give discounts to people who mitigate their home to IBHS standards. The department also says insurers have filed discounts with MID ranging from 15 percent to 30 percent for fortified homes.

What the discount covers

The official page ties the discount to homes mitigated to IBHS standards, and elsewhere on MID’s mitigation pages it points homeowners to the FORTIFIED Home standard. The captured source does not list every qualifying construction measure, insurer-by-insurer requirements, or whether the discount is automatic versus applied on request.

Amounts

• MID says filed discounts range from 15% to 30% for fortified homes.
• No dollar cap is stated because this is a premium discount, not a grant.

How to apply

The captured page does not provide a step-by-step application process. Homeowners would generally need to work with their insurer and provide proof of mitigation, but that process detail is not stated on the source captured here.

Timing and deadlines

The page does not state deadlines; it describes an ongoing statutory discount requirement.