Corpus Christi ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Corpus Christi, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Corpus Christi, TX is $2029. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Corpus Christi, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Corpus Christi, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $812 |
| $200,000 | $1,380 |
| $300,000 | $1,704 |
| $400,000 | $2,597 |
| $500,000 | $3,267 |
Home insurance costs in Corpus Christi can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 078404 | $2,670 |
| 78415 | $2,651 |
| 78409 | $2,642 |
| 78417 | $2,667 |
| 78407 | $2,657 |
| 78416 | $2,606 |
| 78401 | $2,582 |
| 78408 | $2,598 |
| 78406 | $2,729 |
| 78405 | $2,580 |
| 78414 | $2,795 |
| 78418 | $2,804 |
| 78413 | $2,753 |
| 78402 | $2,743 |
| 78410 | $2,740 |
| 78412 | $2,701 |
| 78411 | $2,694 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Corpus Christi, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,080 |
| $1000 Deductible | $1,861 |
| $1500 Deductible | $1,755 |
| $2500 Deductible | $1,583 |
| $5000 Deductible | $1,339 |
| Home Insurance Company Near Corpus Christi, TX | Homeowners Insurance Agency Near Corpus Christi, TX | Address |
|---|---|---|
| GEICO | Ariel Garcia | 6349 South Padre Island Drive, Corpus Christi, TX, 78412 |
| Farmers | Delma Tamez | 5622 Mcardle Rd Ste A, Corpus Christi, TX, 78412 |
| Allstate | Gsm Insurors | 1102 E LAUREL ST, ROCKPORT, TX, 78382 |
| Allstate | Joshua D. Crow | 5333 Yorktown Blvd Ste E, Corpus Christi, TX, 78413 |
| Travelers | Whitney-Vaky Company Insurance Services Inc | 1102 E LAUREL ST, ROCKPORT, TX, 78382 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Port Aransas CCD, Nueces County, Texas | $169 | $225 | $338 |
| Ingleside on the Bay city, Texas | $158 | $211 | $317 |
| Ingleside city, Texas | $153 | $204 | $306 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Corpus Christi, TX | 6.2% | 17.8% |
| Port Aransas | 4.19% | 14.65% |
| Ingleside on the Bay | 6.31% | 14.51% |
| Ingleside | 6.78% | 16.77% |
| Corpus Christi Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 1,366 | 3.0% | $352 |
| $200 to $299 | 1,423 | 3.0% | $802 |
| $300 to $499 | 3,301 | 7.0% | $1252 |
| $500 to $749 | 10,732 | 24.0% | $1927 |
| $750 to $999 | 13,996 | 31.0% | $2677 |
| $1,000 to $1,499 | 10,107 | 22.0% | $3802 |
| $1,500 or more | 3,265 | 7.0% | $5452 |
| Streets in Corpus Christi Area | Homeowners Insurance Cost |
|---|---|
| E Co Rd 2130, Co Rd 2206, E Corral Ave, Co Rd 2327 E, FM 628, Co Rd 2140, E Co Rd 2100, W Co Rd 2170, Co Rd 1070, E Pr Rd 2112 | $1,013 |
| Co Rd 1060 S, N Armstrong St, FM 772, Co Rd 2290 E, Hernandez Rd, Co Rd 2320 E, N Co Rd 1012, Farm Rd 1717, Co Rd E 2160, Moffett Ave | $1,014 |
| W Poplar Ave, Co Rd 2163 W, N Co Rd 1045, W FM 772, W Escondido Rd, W Cr 2140, Hermandez Rd, Co Rd 2250, Co Rd 1110S, N Co Rd 1015 | $1,018 |
| Co Rd 2215 E, FM 2510 E, S 7th St, S Creek St, Co Rd 1043 N, E Pecan, 8th St, N FM 772, E Co Rd 2090, Nimitz Ave | $1,003 |
| Co Rd 2240, Co Rd 2300 E, E FM 628, Willow St, E Co Rd 2270, Co Rd 2155, W Co Rd 2000, Ellyson St, W Co Rd 2195, W Co Rd 2165 | $1,015 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Corpus Christi | $153 to $156 |
| Port Aransas | $168 |
| Ingleside on the Bay | $158 |
| Ingleside | $153 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Corpus Christi Homeowner Insurance Premium Example | $1,200 | $1,000 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $10,300 | $9,700 |
| Net Savings to Corpus Christi Home Owner from High Deductible Plan | $600 | |
| Scenario | Corpus Christi, TX Home Replacement Value MORE than Home Value | Corpus Christi, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $91,500 | $60,500 |
| Insurance Premium based on Replacement Value | $850 | $550 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $22,500 | Risk Exposure from Under Insuring Coverage is $8,500 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $225/year |
| Insurance Company | Allstate | Liberty Mutual | GEICO Insurance |
| Monthly Premium | 41 | 187 | 105 |
| Year Built | 2002 | 1978 | 1969 |
| Home Details | 2 Beds, 1 Baths | 5 Beds, 1 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $50000-$75000 | $250000-$300000 | $150000-$175000 |
| Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible |