Corpus Christi Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Corpus Christi


Home insurance is a hugely important part of owning a home. Along with personal property, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, homeowners coverage is a solid investment.

The cost of homeowners insurance coverage is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more about what is covered by a homeowners insurance policy.

If you want to find cheap homeowners insurance in Corpus Christi, start with looking around and comparing different policies. Have a look at the summary below comparing average homeowners insurance premiums in Corpus Christi to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Corpus Christi, Texas, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Corpus Christi by insurance company

Homeowners insurance rates in Corpus Christi vary from one insurance company to another. Texas Farmers offers the most affordable home insurance in Corpus Christi, at just $354 per year. This compares favorably to the city’s average homeowners premium of $4,054.

Start your search for a home insurance policy by reviewing the cheapest companies in Corpus Christi, Texas, listed below.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN CORPUS CHRISTI
CompanyAverage Annual Rate
Texas Farmers$354
United$684
ASI Lloyds$820
Allstate$1,514
USAA$4,015

Average homeowners insurance costs in Corpus Christi by coverage level

How much you spend on home insurance coverage is greatly affected by the level of coverage you choose. Homeowners in Corpus Christi who carry $200K in dwelling coverage pay an average of $2,890 per year, while those with coverage up to $400K pay around $5,166 per year.


HOMEOWNERS INSURANCE RATES IN CORPUS CHRISTI — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,890
$400K Dwelling$5,166

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Corpus Christi home insurance rates by ZIP code

Depending on which part of Corpus Christi you live in, you could see a big difference in your home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

The cheapest home insurance rates in Corpus Christi are available in 78415. In 78415, the typical home insurance policy costs $3,985 per year — $69 less than the citywide average in Corpus Christi. If you’re looking for the areas with the most affordable homeowners insurance in Corpus Christi, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN CORPUS CHRISTI
ZIP CodeAverage Annual Home Insurance Rate
78415$3,985
78408$3,992
78414$3,996

Other areas of Corpus Christi, however, face homeowners rates that are higher than the city average . Fire risks, crime rates, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up area rates. One of the costliest ZIP codes for home insurance in Corpus Christi is 78418, with an annual average rate of $4,154.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN CORPUS CHRISTI
ZIP CodeAverage Annual Home Insurance Rate
78418$4,154
78419$4,087
78417$4,080



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Money-saving tip for home and auto insurance in Corpus Christi: bundling

If saving money is your primary concern, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Corpus Christi leads to average annual savings of 7%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN CORPUS CHRISTI
CompanyAvg. Annual Auto Insurance Rate (Bundle)
State Farm$1,071
USAA$1,162
Progressive$1,545
Allstate$1,870
GEICO$2,580

Bundling your homeowners and auto policies can be a great way to save some money on insurance. Call 855-493-9728 to speak with an insurance specialist today.


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