Gianetta Palmer

By 

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Updated May 1, 2022

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Corpus Christi, Texas is an ideal place to settle down if you’re looking to get away from the crowded and congested Texas cities, but still want the convenience that comes with city life. While Corpus Christi has beautiful weather throughout most of the year, it also faces a high risk of tropical storm damage once hurricane season rolls around. Despite the risk of damage from the hurricanes that can target the Gulf Coast, the cost of homeowners insurance is slightly more affordable than the rest of the state.

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The average cost of homeowners insurance in Corpus Christi is $2,742 per year or $228 a month. This is around 11% lower than the statewide average of $3,080 per year, but nearly 30% higher than the national average of $1,899 per year. 

However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Corpus Christi, TX.  

Best homeowners insurance companies in Corpus Christi

Of the companies we analyzed, Farmers has the lowest rate, with an average annual policy cost of $435 — well below the city average of $2,742. Average rates for State Farm, USAA, Nationwide, and Texas Farm Bureau also came in below the city average. 

While policy cost is important, you’ll also want to look at customer and claims satisfaction ratings with entities like J.D. Power to see if the company can deliver when it comes time to use your coverage.

Policygenius analyzed thousands of quotes from the 5 largest Corpus Christi insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Corpus Christi residents to find the best homeowners insurance in Corpus Christi.

Company

Average yearly cost

J.D. Power Rating

State Farm

$1,727

835

USAA

$696

882

Farmers

$435

813

Nationwide

$1,180

812

Texas Farm Bureau Insurance

$893

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State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm features some of the best customer satisfaction ratings in the industry thanks to its affordable rates, customizable coverage options, and ease of billing and claims. This makes State Farm an excellent company for Corpus Christi homeowners. 

How to get a quote

Online through State Farm

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

USAA, an insurance company only available to members of the military and their families, has excellent coverage options, great customer service ratings, and several available discounts for Corpus Christi residents. USAA’s basic policies include numerous coverages that are considered “add-ons” at other companies, making this a great option for anyone looking for a little more from their insurance provider.

How to get a quote

Online through USAA

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

Teachers, nurses, and first responders in Corpus Christi have the opportunity for special discounts through Farmers. Its three coverage packages allow homeowners in Corpus Christi to personalize their policy to meet their budget and coverage needs.

How to get a quote

Online through Farmers

Nationwide

Nationwide logo

Nationwide offers flexible home insurance policy options for every home type and income level. And we love its slew of discounts for everything from having a newish roof to living in a gated community.

Pros

  • Offers lots of coverage add-ons, including flood and earthquake insurance

  • Option to rebuild roof with stronger, safer materials after a covered loss

  • Score discounts for living in a gated community, making home renovations, having a newer roof, and more

  • Seamlessly submit claims online or through its mobile app

  • Above-average claims satisfaction rating

Cons

  • Below-average customer satisfaction ratings

  • Water backup coverage is more expensive than with other insurers

Why Nationwide tops our best list

Nationwide offers many discounts and policy options for every income level and style of home. It even offers flood insurance, something that beach-adjacent Corpus Christi homeowners should consider. Nationwide’s numerous policy add-ons, including better roof replacement and enhanced coverage for expensive valuables, allow Corpus Christi residents to truly personalize their policies.

How to get a quote

Online through Policygenius or Nationwide

Texas Farm Bureau Insurance

Texas Farm Bureau Insurance logo

On top of its stellar customer satisfaction ratings, Texas Farm Bureau Insurance offers everything from home, auto, and life insurance to ranch, farm, and commercial coverage — allowing you to keep all of your policies under one roof.

Pros

  • Offers home, farm, ranch, commercial, life, and auto insurance — letting you keep all of your policies with one company

  • High customer satisfaction ratings for 10 years running

  • File claims online — with 24/7 customer support

Cons

  • Farm Bureau membership required for coverage

  • Minimal information about coverages and discounts available online

Why Texas Farm Bureau Insurance tops our best list

All Texas homeowners, including those in Corpus Christi, can benefit from Texas Farm Bureau Insurance. While membership is required for coverage, you can keep all of your policies with one company, including ranch, farm, and commercial coverage alongside home, life, and auto insurance. 

How to get a quote

By calling Texas Farm Bureau Insurance

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Cheapest homeowners insurance companies by ZIP code in Corpus Christi

Looking at average home insurance costs for the popular companies in Corpus Christi, we found that the cheapest home insurance in the city can be found in the 78401 ZIP code, an area of Corpus Christi with many low-value properties. The average rate with Farmers in this area is $395 per year, which is significantly less than the city average of $2,742 per year. 

Homeowners in every Corpus Christi ZIP code will likely find that Farmers or State Auto is their cheapest home insurance option.

ZIP code

Company

Average yearly cost

78401

Farmers

$395

78402

Farmers

$395

78404

Farmers

$433

78405

Farmers

$444

78406

Farmers

$473

78407

Farmers

$473

78408

Farmers

$473

78409

Farmers

$473

The most affordable areas for homeowners insurance in Corpus Christi

With an average home insurance rate of $2,494 per year, the 78417 ZIP code is the most affordable area for home insurance in Corpus Christi. Home prices are lower than average in this neighborhood, which may also be the reason for the lower home insurance premiums.

ZIP code

Average yearly cost

78417

$2,494

78410

$2,499

78406

$2,501

78409

$2,505

78415

$2,544

The most expensive areas for homeowners insurance in Corpus Christi

With an average home insurance rate of $3,424 per year, the 78418 ZIP code (Flour Bluff) is the most expensive area for home insurance in Corpus Christi. This area is on the Encinal Peninsula which is surrounded by water on all sides, putting this area at higher risk of tropical storm damage.

ZIP code

Average yearly cost

78418

$3,424

78419

$3,261

78402

$2,958

78412

$2,951

78411

$2,858

Shopping for homeowners insurance in Corpus Christi

When shopping for homeowners insurance, make sure the coverage amounts in your quotes reflect your actual coverage needs. This will allow for a more accurate coverage and rate comparison. A Policygenius expert can help guide you through the process of comparing quotes.

Corpus Christi residents will need to make sure their homes are properly covered against all of the elements of a hurricane, including wind and flood damage. Homeowners with a wind exclusion on their home insurance policies will likely need separate windstorm insurance, and those in high-risk flood zones will need separate flood insurance

Corpus Christi home insurance costs by coverage amounts

Dwelling coverage is the section of your homeowners insurance policy that protects your home from covered losses, such as fire or storm damage. Your dwelling coverage limit should be equal to the replacement cost of your home, which is determined by things like its square footage and construction costs in your area — not the home’s sale price or market value. 

As the table below indicates, the more dwelling coverage you need, the higher your annual premium will be. In Corpus Christi, for every $100,000 in dwelling coverage, the average insurance premium increases approximately $700 per year. 

Dwelling coverage amount

Average yearly cost

$100,000

$1,219

$200,000

$1,981

$300,000

$2,742

$400,000

$3,554

$500,000

$4,380

Liability coverage is the section of your policy that covers legal, medical, and repair bills if someone is injured or their property is damaged and you are legally responsible. This covers instances such as dog bites, pool or trampoline-related injuries, or if a visitor falls down your stairs. 

You should have enough coverage to cover the value of all of your assets in the event that the victim decides to sue. That means you’ll want to consider the value of your home, automobiles, future earnings, and anything else that holds value. 

As seen in the table below, more liability coverage doesn’t always mean higher average home insurance rates. In this case, $200,000 in liability coverage has a higher average than $500,000 of liability coverage in Corpus Christi. While your premiums will differ slightly from the average, opting for high liability coverage limits is a great value add for any policy.

Liability coverage amount

Average yearly cost

$100,000

$2,868

$200,000

$3,151

$300,000

$2,742

$400,000

$2,658

$500,000

$2,811

Corpus Christi home insurance costs by deductible amount

Your deductible is the amount that you will need to pay toward a loss when you file a claim. That means if you file a claim for $5,000 and you have a $1,000 deductible, your insurer would pay you $4,000 for the loss. 

A higher deductible means lower premiums, but there is a risk in doing this. You’ll want to make sure it’s set to an amount you can afford in the event of a loss. Living on the Gulf Coast presents a risk, but homeowners who are ready for that risk can enjoy substantial short-term savings.

As seen in the table below, Corpus Christi residents can save around $2,000 on home insurance by choosing a $2,000 deductible over the $500 option. 

Deductible amount

Average yearly cost

$500

$3,590

$1,000

$2,963

$2,000

$1,521

Home insurance discounts in Corpus Christi

If you protect your home with safety features, you will see a small discount in your insurance premiums. Insurance companies incentivize homeowners to be proactive about protecting their home, including installing deadbolts, smoke alarms, and security systems. 

While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in Corpus Christi with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$2,741

Smoke alarm

$2,742

Burglar alarm

$2,674

Home insurance companies in Corpus Christi for dog owners

Insurance companies consider certain dog breeds to be “aggressive”. This is because, statistically, these breeds are responsible for a large percentage of dog bites, and therefore, liability claims. If you own a breed your insurance company considers to be aggressive, you will see an increase in premiums. But shopping around can help you determine the best policy for your home and dog.

With an average rate of $435 per year, Farmers has the cheapest home insurance rates in Corpus Christi for a home with a dangerous dog breed, while State Farm’s average yearly premium of $1,727 is the highest. 

Company

Average yearly cost

Farmers

$435

USAA

$696

Texas Farm Bureau Insurance

$893

Nationwide

$1,180

State Farm

$1,727

Home insurance companies in Corpus Christi for poor credit

Some insurance companies in Texas will factor in your credit score when calculating your insurance premiums. Generally speaking, the lower your credit score, the higher your insurance premiums will be, and vice versa. 

Insurance companies consider homeowners with poor credit to be more likely to file a claim. However, your credit score’s impact on your final premium will vary among insurance companies, and as it improves, some insurers may automatically adjust your rate. 

With an average rate of $921 per year, Farmers has the cheapest home insurance rates in Corpus Christi for a homeowner with poor credit, while State Farm’s average yearly premium of $2,965 is the highest. 

Company

Average yearly cost

Farmers

$921

USAA

$1,003

Texas Farm Bureau Insurance

$1,369

Nationwide

$1,712

State Farm

$2,965

Home insurance companies in Corpus Christi for pool owners

Owning a pool can also result in higher home insurance premiums. Pools are considered a liability risk due to the risk of accidents in and around pools. Additionally, a pool is considered a separate structure that will need coverage under your dwelling coverage in case of damage.

Some insurance companies put more weight on pool ownership than others, and some will offer a discount for additional safety features around your pool, such as a locked gate. 

With an average rate of $435 per year, Farmers has the cheapest home insurance rates for Corpus Christi homes with a swimming pool, while State Farm’s average yearly premium of $1,727 is the most expensive. If you are a pool owner, make sure you compare policies to see who has the best rates.

Company

Average yearly cost

Farmers

$435

USAA

$696

Texas Farm Bureau Insurance

$893

Nationwide

$1,180

State Farm

$1,727

How to buy homeowners insurance in Corpus Christi

Finding the right amount of coverage at the right price may seem like an overwhelming endeavor, but it’s actually fairly easy if you know what to look for in a company and policy. Since Corpus Christi’s average annual premium of $2,742 is below the state average, you will still enjoy lower rates than a lot of Texas residents, but there are other things you should consider when choosing a policy.

Here are a few steps to follow as you shop for homeowners insurance in Corpus Christi: 

  1. Reach out to a licensed Policygenius agent. Our team of licensed insurance experts are waiting to help you figure out how much coverage you need and what company offers it at the best price. Our agents do this for free with no impact to your credit score.

  2. Ask about TFPA — Texas’ FAIR Plan provider. The Texas FAIR Plan Association (TFPA) provides limited coverage for those in one or two-family homes that are unable to obtain home or wind insurance through a traditional company. To become eligible for the Texas FAIR Plan, you’ll have to prove you’ve been denied by at least two insurance companies, and must commit to reapply for private coverage every two years.

  3. Consider purchasing flood and wind insurance. Since most standard home insurance doesn’t cover flooding and wind damage is often excluded from policies in high risk coastal areas, you may need to purchase separate flood insurance or windstorm insurance to ensure your house is fully protected. A Policygenius agent can help you do this, too.

  4. Figure out how low of a deductible you can afford. You’ll want to set this to an amount you can afford to pay in the event you need to file a claim due for loss or damage. 

  5. Compare quotes from a Policygenius agent. Once you’ve nailed down your coverage needs, limits, and deductibles, a Policygenius agent will walk you through your quotes from multiple different companies to help you find the best policy for your coverage and budget needs.

  6. Sign the policy and pay your first premium. After you’ve chosen the policy you want, your Policygenius agent will complete all of the paperwork for you. The only thing left to do is sign on the dotted line and pay your first premium. 

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Frequently asked questions

Why does having a pool increase my insurance premiums?

Having a pool increases your premiums for two reasons. First, owning a pool puts you at a greater risk of filing a liability claim, since accidents in and around pools can be costly. The other reason is because the structure of your pool requires additional structural coverage in the event it’s damaged by a covered loss.

Do all companies use my credit score?

While some companies use your credit score when calculating your premiums, not all companies do. If you have poor credit, it is well worth the additional effort to compare quotes from different companies to find the best homeowners insurance at the right price.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.