Best cheap homeowners insurance in Corpus Christi

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Corpus Christi is located in Texas – one of the most expensive states in the country for home insurance – with more than half of its residents owning their homes. However, the average cost of Corpus Christi Texas home insurance is $1,888 per year for a policy with $250,000 of dwelling coverage. This makes it slightly more costly than the national average of $1,477 per year.

To help you determine the best homeowners insurance Corpus Christi has for you, we have compared providers by reviewing 2021 average premium rates, third-party customer service ratings, policy offerings and discounts.

Best cheap home insurance companies in Corpus Christi

Bankrate narrowed down a list of insurance providers to determine the five best cheap home insurance companies in Corpus Christi, Texas. Factors include the average policy cost, customer satisfaction ratings and coverages that regularly work for residents.

Home insurance company Average annual premium for $250K liability J.D. Power customer satisfaction score
USAA $531 889/1,000
Progressive $592 797/1,000
Nationwide $795 808/1,000
Farmers $1,044 814/1,000
State Farm $1,048 829/1,000

USAA

USAA provides insurance to members only (military and their eligible family) and gets high scores on customer satisfaction surveys regularly. USAA offers all the basic types of coverage and flood insurance, which is not generally included in a typical homeowners insurance policy. With the lowest average annual cost and the highest J.D. Power Score, USAA is an obvious top contender if you are eligible.

Learn more: USAA Insurance review

Progressive

While Progressive is not ranked quite as high as some other providers on the J.D. Power survey, it is one of the best options for homeowners insurance in Corpus Christi. The average annual premium for a $250,000 dwelling coverage is $592 per year, which is one of the lowest available.

Learn more: Progressive Insurance review

Nationwide

Nationwide is one of the best cheapest homeowners insurance options in Corpus Christi with an average annual premium of $795 and a J.D. Power Score of 808/1,000. Nationwide offers a few additional benefits such as Better Roof Replacement, which upgrades the materials used when it’s time to replace the roof which may prove to be helpful in this windy city.

Learn more: Nationwide Insurance review

Farmers

Farmers offers three tiers of coverage – standard, enchanted or premiere – so almost everyone can find a policy that fits their needs. Additional discounts are available such as green certifications, security devices and the age of the home.

Learn more: Farmers Insurance review

State Farm

State Farm is a well-known insurance provider with affordable, accessible coverage and many discounts. Because State Farm offers multiple insurance products, it often is not too difficult to save money with multi-policy discounts.

Learn more: State Farm Insurance review

Corpus Christi home insurance coverages

Home insurance is not required by law in Corpus Christi, or anywhere in Texas, although your lender will usually require it if you have a mortgage. Regardless of if your mortgage is paid off, obtaining home insurance provides financial liability for your property and belongings from natural disasters or theft. Some people opt for add-ons like the following to add more protection:

  • Flood insurance: Flood insurance is not included in a standard homeowners policy. Due to the chance of a hurricane, many Corpus Christi consider this coverage.
  • Guaranteed replacement cost: With this coverage, policies will reimburse you for the replacement of property after deducting depreciation. If something is damaged or stolen, guaranteed replacement cost usually allows you to buy a new version.
  • Wind and hail: Corpus Christi is one of the windiest cities in the country. If windstorm damage is excluded from your policy, you may want separate windstorm insurance. The Tennessee Windstorm Insurance Association (TWIA) offers windstorm insurance in Corpus Christi, but applicants must have been rejected by at least one private insurer.
  • Personal property endorsement: If you own valuables such as antiques or jewelry, adding an endorsement for those items will guarantee replacement.

Home insurance discounts in Corpus Christi

The good thing about insurance is that there are usually always discounts. Some of the best ways to save on Corpus Christi home insurance are:

  • New home discount: Purchasing a new-build home? You may be eligible for a home insurance discount.
  • Home safety discount: Carbon monoxide detectors, smoke alarms and home security systems may count as equipment that could get you a discount.
  • Bundling: Bundling your insurance policies is a great and easy way to obtain a discount on your insurance premiums.

Frequently asked questions

What is the best home insurance company?

The best home insurance company in Corpus Christi depends on what your top priorities are. The way to answer this question for you is to examine which coverage options are most important to you and what discounts you might be eligible for.

How much does home insurance in Corpus Christi cost?

The average cost of Corpus Christi, Texas home insurance is $1,888 per year for a home insurance policy with $250,000 in dwelling coverage.

How much home insurance do I need in Corpus Christi?

Determining the correct amount of home insurance you need in Corpus Christi will depend on the replacement value of your home. This cost in addition to the cost of replacing your possessions will determine your home insurance costs. Consult with your agent to find the best home insurance policy for your needs.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2021 Quadrant Information Services data.

Written by
Ashley Hubbard
Personal Finance Contributor
Ashley Hubbard has two years of experience in writing for insurance domains such as Bankrate.com, including auto and homeowners insurance. She has also worked in the industry as a collision estimator and in several auto body shops.
Edited by
Loans Editor