Corpus Christi, TX Homeowners Insurance

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How to find cheap home insurance in Corpus Christi


Home insurance should be a critical consideration for every homeowner. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, a homeowners insurance policy is a solid investment.

The cost of homeowners insurance coverage depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils likefrozen pipes, hail, windstorms, or wildfires, home insurance rates may be higher to account for the extra risk. Discover more info about the specifics of home insurance coverage.

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 rates in Corpus Christi to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


Corpus Christi, Texas, homeowners insurance — contents:
  1. Rates by insurer
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible level
  5. Bundling discounts

Homeowners insurance in Corpus Christi by company

Corpus Christi homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Corpus Christi comes from Texas Farmers, which offers average annual rates of just $354 per year. This is more favorable than the city’s average homeowners premium of $4,054.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Corpus Christi, Texas.


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

Average homeowners insurance rates in Corpus Christi by coverage levels

Your chosen level of homeowners coverage impacts the insurance premiums you pay . 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 $4,326 per year.


HOMEOWNERS INSURANCE RATES IN CORPUS CHRISTI — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,452
$200K Dwelling$2,890
$250K Dwelling$2,837
$400K Dwelling$4,326

Corpus Christi homeowners insurance rates by ZIP code

Depending on the part of Corpus Christi you live in, you may see vastly different 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.

To find the cheapest home insurance rates in Corpus Christi, look no further than 78415. In the 78415 area, homeowners policies typically cost just $3,985 per year — a full $69 less than the Corpus Christi average. Find the best places to live in Corpus Christi for cheap home insurance by looking at the table below.


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

Other parts of Corpus Christi, however, have home insurance premiums that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $4,154 makes 78418 the most expensive ZIP code in Corpus Christi for homeowners coverage.


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

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous Texas cities:

  1. Arlington
  2. Austin
  3. Dallas
  4. El Paso
  5. Fort Worth
  6. Garland
  7. Houston
  8. Irving
  9. Laredo
  10. Lubbock
  11. Plano
  12. San Antonio

Homeowners insurance deductibles in Corpus Christi

One of the decisions to be made when shopping for a homeowners policy is how high or low to set your deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. The deductible that you choose can impact your insurance rates directly.

When thinking about your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those seeking lower rates will want to think about getting a higher homeowners deductible. Remember that your homeowners deductible should not be so high that you would struggle to pay it in the event of a loss.

Take a look at some of the standard deductibles offered by insurers and an estimate of average insurance costs.


HOMEOWNERS INSURANCE COSTS BY DEDUCTIBLE TIER IN CORPUS CHRISTI
Deductible LevelAverage Annual Home Insurance Rate
$500$2,991
$1,000$2,837
$1,500$2,742
$2,000$2,588
$5,000$2,219

Looking for a money-saving tip for insurance in Corpus Christi? Try bundling

If saving money is your primary concern, you might purchase insurance for your home and auto through the same insurance company. Bundling home and auto insurance can be a good money-saving option. By bundling your policies, Corpus Christi homeowners could see annual savings of 7% on average.


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

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.


Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.