Best Corpus Christi Homeowners Insurance Quotes (2025)

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.

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.

Cheapest rates: Progressive Home

Best insurer for veterans: USAA

Best insurer for green homes: Farmers

Best insurer for private flood insurance: Travelers

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.

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.

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.

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.

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.

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: