Best Corpus Christi Homeowners Insurance Quotes (2024)
Progressive Home offers some of the cheapest homeowners insurance policies in Corpus Christi, with annual premiums averaging $1,018.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Updated September 20, 2024
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Table of contents
Corpus Christi sits on the southeastern Texas coastline. Although beautiful, this means it’s prone to hurricanes and flooding.
Homeowners in Corpus Christi pay an average of $5,081 per year for a home insurance policy with a $1,000 deductible and $300,000 in dwelling coverage. This is much higher than the national average of $2,377 per year for the same coverage. The good news is you can find affordable home insurance coverage in the area.
The best way to find affordable home insurance is to compare multiple companies, discounts, and policies. Here’s what you need to know about homeowners insurance in the Sparkling City by the Sea.
Quick Facts
Progressive Home, Farmers, and USAA offer the cheapest home insurance in Corpus Christi.
Corpus Christi residents pay more than the Texas average of $4,456 per year for a $300,000 policy.
A home insurance policy in Corpus Christi with a $500 deductible and $300,000 in dwelling coverage costs an average of $5,154 per year.
Best home insurance companies in Corpus Christi
Several top homeowners insurance companies serve Corpus Christi homeowners. The right home insurer for you will depend on your unique budget, insurance needs, and preferences. To help you narrow down your search and find the lowest rate, below are four of the best home insurance companies in Corpus Christi.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Average Annual Premium ▲▼ | Best For ▲▼ |
|---|---|---|---|
| Progressive Home | 8.2 | $1,018 | Cheapest rates |
| USAA | 8 | $1,737 | Veterans |
| Farmers | 8.4 | $1,118 | Green homes |
| Travelers | 7.8 | $2,953 | Private flood insurance |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest rates: Progressive Home
ProgressiveCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 4.1/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
Formerly American Strategic Insurance, Progressive Home offers some of the lowest home insurance rates in Corpus Christi. If you bundle your homeowners insurance policy, you may be able to further your savings. Plus, independent insurance agents in the area can provide a more personalized customer service experience.
Pros
Cheapest premiums in the city
Flood insurance available
Cons
Limited add-ons and endorsements
Doesn’t underwrite all of its insurance policies
Best insurer for veterans: USAA
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 880 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $281/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $412/mo |
About 8.1% of Corpus Christi residents are veterans.[1] If you’re a veteran or part of the military community, you can score a great deal on home insurance through USAA. Even standard home insurance coverage includes personal property replacement cost coverage. After a covered peril, it’ll kick in and pay for damage to the possessions in your home.
Pros
Added benefits and coverages for military members
Network of contractors for repairs
Cons
Only available to military personnel and their families
Guaranteed replacement coverage not available
Best insurer for green homes: Farmers
FarmersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 815 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $131/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $199/mo |
Green and energy-efficient homes are common in Corpus Christi. If you live in one, you might be able to secure a discount on a home insurance policy through Farmers. The home insurer offers discounts to homeowners of properties with certifications from Energy Star, Leadership in Energy and Environmental Design (LEED), or the Environmental Protection Agency.
Pros
Many advertised discounts
Renters and condo insurance available
Cons
More expensive rates than other companies
Low J.D. Power score for customer satisfaction
Best insurer for private flood insurance: Travelers
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 829 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $251/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $409/mo |
Flooding is common in Corpus Christi, so homeowners should consider additional flood protection. Travelers offers flood insurance as an add-on policy through its partner, Neptune Flood. Private flood insurance offers higher limits and more coverage than the National Flood Insurance Program. Most major insurers don’t offer private flood insurance, so Travelers might be a great option if you have a high-value property.
Pros
Specific coverage for swimming pools
Up to $4 million in building coverage
Cons
Below-average J.D. Power customer satisfaction rating
Higher rates compared to competitors
Cheapest home insurance in Corpus Christi
If you’re looking for the lowest premiums on home insurance in Corpus Christi, Progressive Home, which used to be American Strategic Insurance, should be on your radar. On average, Corpus Christi policyholders who choose Progressive Home pay $1,018 per year for $300,000 in dwelling coverage.
Here’s a look at the cheapest home insurance companies in Corpus Christi. The average annual premiums reflect the cost for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Insurance Company ▲▼ | Average Annual Premium ▲▼ |
|---|---|
| Progressive Home | $1,018 |
| Farmers | $1,118 |
| USAA | $1,737 |
| Republic Indemnity | $1,993 |
| Armed Forces Insurance Exchange | $2,639 |
| Travelers | $2,953 |
| Texas Fair Plan Association | $3,163 |
| Foremost | $3,727 |
| Texas Farm Bureau Group | $4,057 |
| State Farm | $4,433 |
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Cost of homeowners insurance in Corpus Christi
The average cost of homeowners insurance with $300,000 in dwelling coverage in Corpus Christi is $5,081 for a policy with a $1,000 deductible and $5,154 with a $500 deductible. A number of factors affect the price of your home insurance, such as the size of your property, preferred coverage level, the value of your personal belongings and valuable assets, your deductible, and your history of home insurance claims.[2]
Additionally, the location of your home will affect your premiums. Corpus Christi is a coastal area that’s prone to tropical storms and flooding. This is a big reason why your home insurance in Corpus Christi is more expensive than other areas in Texas.
Cost of homeowners insurance by dwelling coverage amount
If your Corpus Christi home sustains damage from a covered loss, you’ll want to make sure you have enough dwelling coverage to rebuild it. To find the right dwelling coverage amount, consider factors like your home’s age, square footage, number of stories, and interior features. Keep in mind that higher dwelling coverage will lead to higher home insurance rates.
In the table below, you’ll see how different dwelling coverage levels in Texas may affect annual home insurance premiums for policies with a $1,000 deductible.
Coverage Limit ▲▼ | Average Annual Premium ▲▼ |
|---|---|
| $100,000 | $1,186 |
| $200,000 | $3,207 |
| $300,000 | $4,456 |
| $400,000 | $5,581 |
| $500,000 | $6,757 |
Cost of homeowners insurance by deductible
Your home insurance deductible refers to your out of pocket costs after a covered loss. Once you pay your deductible, your policy will go into effect and cover the rest. A higher deductible means cheaper premiums, but you’ll have to make sure you have the funds saved to pay for the higher out-of-pocket costs.
Here’s how deductible amounts affect annual home insurance rates in Corpus Christi for policies with $300,000 in dwelling coverage.
Deductible Amount ▲▼ | Average Annual Premium ▲▼ |
|---|---|
| $500 | $5,154 |
| $1,000 | $5,081 |
How to get cheap homeowners insurance in Corpus Christi
Home insurance is expensive, but you have many ways to save on your premiums. Follow these tips to lock in competitive rates on home insurance in Corpus Christi:[3]
Shop around. While it may be tempting to choose the first home insurer you find, it’s well worth it to shop around and get home insurance quotes from at least three insurance companies. Compare coverage options, premiums, deductibles, and customer service to zero in on the right coverage and homeowner’s insurance policy.
Bundle home coverage. If you need another type of insurance product — such as car insurance, condo insurance, renters insurance, or life insurance — bundle it with your homeowners insurance to get the best value. Many homeowners insurance companies offer discounts to people who choose them for multiple policies and want to save money.
Explore discounts. Most home insurance companies offer discounts that can lead to savings on home insurance policies. Some examples of common discounts are a new home discount, green home discount, and security system discount.
Increase your deductible. A higher deductible will lower your home insurance costs. If you have a substantial emergency fund and feel confident you can cover higher out-of-pocket expenses after you file a claim, increasing your deductible may make sense.
Texas homeowners insurance rates by city
Your city and ZIP code within Texas will affect your home insurance quotes. This is because different cities have different weather, crime rates, and proximity to fire stations. For example, if your own home is in a flood zone, you can expect higher rates than a Corpus Christi homeowner in a low-risk flooding area.
The table below highlights how rates compare in some other Texas cities.
City ▲▼ | Average Annual Premium ▲▼ |
|---|---|
| Austin | $2,842 |
| Dallas | $4,585 |
| El Paso | $2,102 |
| Fort Worth | $5,106 |
| Houston | $5,511 |
How much homeowners insurance do you need in Corpus Christi?
The state of Texas and the Texas Department of Insurance don’t require homeowners insurance. But if you have a mortgage on your property in Corpus Christi, your mortgage lender or company might mandate it.
Before you commit to a home insurance policy, read the terms carefully so you understand what your homeowners policy covers. This can protect you from unwanted expenses in the future.
Even if you no longer have a mortgage, home insurance is still a good idea to protect all your assets in the event of disaster.
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What are some of the biggest risks when owning a home in Corpus Christi?
As a Corpus Christi homeowner, it’s important prepare yourself for a few risks and natural disasters that might affect your home, such as:
Floods
About 16% of Corpus Christi is located within the Special Flood Hazard Area (SFHA) on FEMA flood maps. Since a standard homeowners policy won’t cover flood damage, you’ll need to look for flood insurance through the National Flood Insurance Program (NFIP) or a private insurance agency.[4]
Earthquakes
Unfortunately, the Corpus Christi area is no stranger to earthquakes. If you’d like to protect your home from earthquakes, it’s a good idea to find a separate earthquake policy.
Theft
Crimes like property theft happen in Corpus Christi. Fortunately, a standard home insurance policy with personal property coverage pays for theft-related damages and can give you peace of mind.
Corpus Christi homeowners insurance FAQs
Buying homeowners insurance is a big and important financial decision. Here’s some additional information about home insurance in Corpus Christi.
How much is home insurance in Corpus Christi?
On average, homeowners insurance in Corpus Christi costs $5,081 per year for a $300,000 policy with a $1,000 deductible. Corpus Christi is vulnerable to tropical storms and hurricanes, so homeowners might also want to consider flood insurance from the NFIP or through a private insurer.
Which company has the cheapest homeowners insurance in Corpus Christi?
Progressive Home, formerly known as American Strategic Insurance, offers the cheapest homeowners insurance in Corpus Christi, at $1,018 per year.
Does Corpus Christi require homeowners insurance?
No. Corpus Christi or the state of Texas don’t require homeowners insurance, but your mortgage lender may require you to carry a policy.
Even if you don’t have a mortgage, having homeowners insurance is still a good idea. Insurance can support you financially if your home is destroyed in a storm or your property is stolen. Without it, you’re on the hook for all costs.
What is the average monthly cost of homeowners insurance in Texas?
The average monthly cost for home insurance in Texas is $371, or $4,456 per year, for a $300,000 policy with a $1,000 deductible. This is much higher than the nationwide average of $2,377 for the same coverage level.
Related articles
More cities in Texas
Sources
- Census.gov. "Explore Census Data."
- National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
- Insurance Information Institute. "How to save money on your homeowners insurance."
- City of Corpus Christi. "Flood Facts."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
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