Corpus Christi Homeowners Insurance

Find affordable homeowners insurance in Corpus Christi


Among the most important aspects of owning a home is homeowners insurance. Fire, vandalism, theft, and wind damage are just a handful of the perils from which homeowners coverage can protect your dwelling and other personal belongings. Incidents like this occur frequently. When paired with the high cost of repairing or rebuilding a house, investing in homeowners coverage can seem like a smart move.

The price of a homeowners insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. 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. Learn more about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance in Corpus Christi, start with shopping around and comparing a variety of different policies. . Take a look at the summary below showing average homeowners insurance premiums in Corpus Christi to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.


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

Home insurance in Corpus Christi by insurance company

Homeowners insurance rates in Corpus Christi vary from one insurance company to another. 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 home insurance 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.


CHEAP HOME 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 prices in Corpus Christi by coverage level

Your chosen amount 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

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Corpus Christi home insurance prices by ZIP code

Not every area of Corpus Christi has equal home insurance premiums. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically influence your home insurance rates.

To find the most affordable homeowners coverage in Corpus Christi, look no further than 78415. In the 78415 area, homeowners coverage usually costs 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 following table.


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, are prone to homeowners insurance premiums that are higher on average. These areas of the city could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. One of the costliest ZIP codes for homeowners coverage 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

Home insurance deductibles in Corpus Christi

One of the multiple decisions available when buying a homeowners insurance policy is the amount of your deductible. The deductible is the dollar amount that the insured must contribute toward a covered loss. Where you choose to set your homeowners deductible is linked to how much you pay in insurance premiums.

When considering your homeowners deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, consider a higher deductible if you aim to secure lower insurance rates. It's worth remembering that a homeowners deductible should only be as high as you can reasonably pay in the case of an actual loss.

The following table reveals the typical premiums affiliated with deductibles offered by most home insurers.


HOMEOWNERS INSURANCE PREMIUMS 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

One way to save on insurance costs is to think about bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in Corpus Christi leads to average annual savings of 7%.


CHEAPEST CAR INSURANCE RATES WITH HOME 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

Bundling your homeowners and auto policies can be a great way to save some money on insurance.


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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 been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.