Shop Quotes For Corpus Christi Texas Home Insurance Rates

How Much Does Corpus Christi, TX Homeowners Insurance Cost?

In Corpus Christi, TX the standard cost for homeowner’s insurance is about $1,180 a year, which is $2,250 less than the Texas standard of $3,430. At Freedom Insurance Group, our clients see a significant saving each year on their home insurance.

POPULAR PROPERTY COVERAGE LIMITS IN CORPUS CHRISTI TEXAS

Coverage Level Average Annual Rate
$200,000 Home Value $1,098
$250,000 Home Value $1,224
$400,000 Home Value $1,602
$500,000 Home Value $1,852
$600,000 Home Value $1,965
$750,000 Home Value $2,108

 

*Information retrieved from the Texas Department of Insurance from Help Insure and averaged with internal data.

Corpus Christi, TX Auto and Homeowners Insurance Bundling Discounts Average rates

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Corpus Christi Texas $129 $218 $318

 

Most companies consider these things when deciding on your premium:

  • Your home’s age and condition. Companies can’t turn you down just because of your home’s age or value, but they can charge you more.
  • Your home’s replacement cost. Houses with higher replacement costs have higher premiums.
  • Construction materials. Premiums are higher for houses built completely of wood. They’re lower for houses built of brick or stone.
  • Where you live. Premiums are higher in areas that have more storms or crime.
  • Availability of local fire protection. Premiums are lower for houses that are close to fire stations.
  • Your claims history. Your premiums might be higher if you’ve had claims in the past.
  • Your insurance score. Some companies use your credit score to decide what to charge you. Your premiums will be lower if you have good credit.

Home Insurance Discounts Available in Corpus Christi, TX

Home Discount Name Home Discount Description Discount Amount
New Home New Construction Recently Purchased up to 40%
Age of home 5 Years Old up to 26%
Bundle Home And Auto up to 25%
Upgrades Electrical, plumbing, heating, roof full updates up to 20%
Age of home 10 Years Old up to 13%
Construction type Fire Resistive up to 11%
Advance Purchase 7 Days Advance Purchase up to 8%
Loyalty 10+ Years Renewal up to 8%
Construction type Masonry up to 7%
Paid in Full Paid in Full up to 7%
Loyalty 5 Years Renewal up to 6%
Fire Sprinklers Sprinklers up to 9%
Claims Free 5 Year Claims Free up to 5%
Claims Free 10+ Year Claims Free up to 5%
Hail Resistant Roof Hail Resistant Roof (class 1,2,3,4) up to 12%
Loyalty 3 Years Renewal up to 5%
Fire Alarm Central Station up to 2%
Gated Community With Patrol up to 2%
Burglar Alarm Police Department up to 4%
Burglar Alarm Central Station up to 4%
Age of home 15 Years Old up to 4%
Water Safety System Water Leak Detection – Shut Off And Alarm up to 4%
Water Safety System Water Leak Detection – Shut Off up to 3%
Gated Community Without Patrol up to 2%
Water Safety System Water Leak Detection – Alarm up to 3%
Automatic payments Electronic Fund Transfer up to 3%
Burglar Alarm Local up to 1%
Fire Alarm Local up to 1%
Age of home 20 Years Old up to 2%
Smoke Detector Smoke Detector up to 1%
Fire Extinguisher Fire Extinguisher up to 1%
Storm Shutter Storm Shutters up to 1%
Deadbolt Deadbolt up to 1%

 

What does the standard Home Insurance Policy in Corpus Christi, TX Include?

Homeowners insurance offers coverages with the goal of protecting your home, personal belongings, and your liability in case your home becomes damaged to a peril/loss including a visitor’s medical fee, fire, robbery /vandalism, etc. Policies vary, but take a look at some of the most usual coverage choices below:

  • Dwelling Coverage (A): this protects your home’s physical structure, for instance, your home’s foundation, roof, and walls. It can even protect structures that are linked to your home such as a deck, detached garage, or patio. Dwelling coverage is an important coverage for homeowner’s insurance.
  • Other Structures Coverage (B): whereas the principal structure of your home is covered by dwelling coverage, structures that are not linked to your home will require other structures coverage to stay protected. This encloses decks, detached garages, sheds/shops, etc.
  • Personal Property Coverage (C): protects against damaged personal possessions that happen from particular perils including fires, theft, or vandalism. Each policy differs and what is or isn’t covered will depend on your insurance company. For more costly objects such as art or jewelry, you may need extended coverage options.
  • Loss of Use/Additional Living Expenses Coverage (D): should a covered peril generate a circumstance in which your home is unlivable, this coverage aids you pay for where you temporarily live while waiting for your home to be rebuilt to a habitable state.
  • Personal Liability Coverage (E): this coverage is to protect homeowners against possible medical expenses that can accumulate should a visiting party become injured on your property and you are found responsible. Personal liability coverage can also cover possible legal fees related with the injury.
  • Medical Expenses Coverage (F): within your homeowner’s insurance policy, it helps to cover the essential medical bills of a guest in your home should they become hurt while visiting your property. Medical expenses coverage can even help balance costs if you are not responsible.

Supplementing Your Homeowners Insurance Policy in Corpus Christi

There are several perils your home may face that aren’t covered by your standard home insurance policy. Through endorsements, additional coverage options, and changing your homeowner’s insurance policy, you can gain even more protection. Take a closer look at some of the options you have when searching for additional protection and speak with an agent to find the best options for your needs:

  • Flood Insurance- Floods continue to devastate cities across Texas and the United States and you may be surprised to learn that flood damage is not covered by your homeowners insurance. The Dallas, TX, region has a moderate risk of flooding over the next 30 years according to Flood Factor making it a threat to residents in the area. As many as 1 in 4 flood claims come from homeowners who live outside of high-risk areas. Adding flood insurance helps protect against a common threat to your home by helping you restore flood-related losses.
  • Umbrella Insurance- Liability protection is important for every homeowner but for those with more to lose, it is a critical component. In the event of a lawsuit, your assets could become vulnerable without the right protections in place. Avoid losing what you’ve worked hard for by purchasing umbrella insurance that can cover your valuables after you’ve reached your policy limits.
  • Scheduled Personal Property Coverage- Your homeowner’s insurance policy will protect your personal belongings, but there are policy limits. If you are looking to protect valuables like jewelry and fine art with values that exceed your coverage, this endorsement can help protect your high value or unique items
  • Extended Replacement Cost- Although not all losses are completely devastating, some are and can exceed the amount of coverage you have for your home. For example, one of the rarest perils a homeowner may face is also the most expensive, a house fire. If you suffer a total loss and require replacing your possessions and rebuilding your home, extended replacement cost coverage can help you cover losses outside of your homeowners insurance’s coverage.

The Secrets to Saving on Home Insurance in Corpus Christi Texas

If you’re a homeowner, chances are you’re going to want to save money on your home insurance policy. A home is your shelter and your investment. Putting a significant amount of money into your home is a great financial move, but you’ll also need to protect your interest. Home insurance policies differ from homeowner to homeowner. This is due to several reasons including your coverage needs, personal factors which affect your premium, and characteristics of your home, just to name a few. But saving on a home insurance policy is the shared dream of all homeowners. Your dream can be a reality through these easy to follow tips:

  • Compare your rates among a variety of insurance brands. Each insurance brand will assess your risk differently which leads to differing insurance premiums. By shopping around you can find the right company for your needs.
  • Bundling: your home insurance policy with your auto insurance
  • Increase your deductible for a lower home insurance premium.
  • Install improvements to your home that increase its ability to sustain natural disasters, prevent crime, or keep your household safe. (Examples: Hurricane grade storm shutters, security systems, a fire alarm system with sprinklers, etc.)
  • Loyalty discounts: Customers who stay with the same insurance company for a long time are rewarded with discounts.
  • Near a fire hydrant/fire station: The closer you are to a fire hydrant and also the fire station, the faster fires can be put out, earning you a discount.
  • New home: New homes typically are built with stronger safety innovations, making claims less costly.
  • High-quality roof: Hail and wind damage are among the top reasons homeowners file a claim. A sturdy roof can lower your premiums. (Of course, it lowers your heating bill and looks nice, too. Sweet!)
  • Tidy yard: When insurance reps visit your property, they like to see it looking spiffy. Neatly trimmed grass, shrubs, and trees lower fire risk and show the insurance company that you care about your property. Discount!
  • Avoid recreational hazards: A home without a pool or trampoline is at much less of a risk of a claim, earning you a discount on your coverage.

There are plenty of ways to save money on your policy and seeing as every homeowner needs this protection, it only makes sense to receive it at the lowest rate. Texas has some of the highest home insurance rates in the country making it imperative for homeowners to take the necessary steps to save money. Shop around, bundle when you can, and do your part in protecting your home for the best results.

The benefits of allying with Freedom Insurance Group for Home Insurance in Corpus Christi:

At Freedom Insurance Group, we are convinced that getting first class home insurance should be easy and inexpensive. We shop 25+ quality Insurance companies to find a policy that suits your necessities and finance without ever bargaining on coverage.

We compare and shop your home insurance with our multiple insurance carriers in pursuit for the best coverage and value.

We want our customers to always save on home insurance, so yearly when it’s time to renew, we’ll re-shop and rate your policy to find the best rate for you. You’ll never overpay for insurance again when you choose Freedom Insurance Group!

Zip Codes in Corpus Christi, TX that we Insure

78336 78404 78410 78416 78460 78469

78362 78405 78411 78417 78463 78472

78373 78406 78412 78418 78465 78480

78401 78407 78413 78419 78466

78402 78408 78414 78426 78467

78403 78409 78415 78427 78468

 

Freedom Insurance Group is Corpus Christi’s Finest Home Insurance Provider

Corpus Christi is a seaside city in the South Texas region, alongside the Gulf of Mexico, and main city of Nueces County. The city’s name signifies the body of Christ in Clerical Latin. This beachside city is homebased to some of Texas most popular coastlines including Padre and Mustang Island as well as the Texas State Aquarium, being a main allure in the area. Corpus Christi, is likewise where history enthusiasts can encounter the USS Lexington, a WW2 airplane carrier turned into a marine aviation exhibition hall. From the stunning beaches and sceneries, to recreational acquatic activities, its easy to see why so many Texas call this city home! At Freedom Insurance Group we are honored to be the main Insurance provider for Corpus Cristi dwellers!

Corpus Cristi clients don’t look beyond Freedom Insurance Group when they need excellence in Homeowners Insurance. We shop 30+ class A insurance companies and find the best homeowner’s policy for Corpus Cristi clients. We also answer all your questions in English and Spanish. Freedom Insurance Group is an autonomous insurance provider helping homeowners through the state of Texas get the best Homeowners Insurance at hand!

Main Home Data in Corpus Christi
326,590

Total Population in Corpus Christi, TX

$183,075

Average Home Value in Corpus Christi, TX

$56,334

Median Household Income in Corpus Christi, TX

34

Median Age in Corpus Christi, TX

 

Trust Freedom Insurance Group in Corpus Christi

Statistics as of January 14th 2022

14,000

Total Customers

$4.28 B

Total Assests Covered Projected

14,000

Total Homes Insured

5,198

Total Vehicles Insured

 

Resident Resources in Corpus Christi

Police Department in Corpus Christi Fire Department in Corpus Christi
321 John Sartain St Corpus Christi, TX 78480

(361)886-2841

6713 Weber Rd Corpus Christi, TX 78413

(361) 851-1580

 

Major Neighborhoods in Corpus Christi

Annaville

Annaville is the ideal neighborhood for inhabitants who love the seaside but don’t want to live on the beach. Slightly more interior than most of Corpus Christi, this community offers residential living for its residents with rapid access to eateries, stores, and I-37.

Flour Bluff

A big neighborhood in Corpus Christi, Flour Bluff is full with abundant shops and eateries. Dwellers can relish the Gulf of Mexico after a short commute or the Humble Channel in their “backyard”.

North Beach

As the name proposes, North Beach is an area on the northside of Corpus Christi where inhabitants can relish food, shops, and abundant of recreational activities on account of the Corpus Christi Bay, Nueces Bay, and Sunset Lake Park. The USS Lexington is also situated here.

 

Major Neighborhoods in Corpus Christi

16th/Elizabeth 17th – Morgan 22nd St 5 Points
Academy Heights Acushnet Park Airline Crossing Airline Estates
Alameda Amaryllis Dr Amethyst Annaville
Arcadia Ashland Dr Avenue C Aztec
Baldwin Barrogate – Douglas Bay Club Bayside
Bessar Park Bison Bonasse Court Bordeaux Estates
Brandywine Park Brawner Brighton Heights Calk/Gollihar
Callicoate Estates Camden South Bay Candle Wood Cantera & Graham
Caribbean Park Carroll Woods Casa Linda Casa/Matteson/Holland
Cayo Del Oso Chandlers Mill Sawgrass Cimarron Lake Estates Clarkwood
Cocina Bay Cott St Country Club Country Creek
Creekside Place Cruiser St crps Date Palm Dr
David & Niagra Del Mar Doddridge Dona Park
Don Patricio Dorthy Doughty’s Hill Downtown
Eaglesnest/Hawksnest East Flour Bluff Elizabeth St Embassy
Esperanza Estates Everhart Rd Foley Drive Garden
Gates Gertie Street Gibson Glen Arbor
Golden Oaks Graceland Green Grove/Horne Greenwood
Greystone Gypsy to Cuttysark Hacienda Estates Hamlin Place
Hammerheads Hampshire Highway Village Hillcrest
Holly and Staples Jones King Estates Kings Crossing
Kitty Hawk Laguna Shores Lakeside & Cora Lee Lamar Park
La Molina Lansdown Dr Las Brisas Las Colonias
Lawnview Leopard and Mckinzie Rd Leopard & Lipan Lexington Park/Lakeview
Lindale London Estates Lost Creek Lowman/Herndon
Lum Ave Lyons St Main Drive Manhattan Estates
Man O War Mansions Drive Maple Hills Mariposa
Mcardle McNorton Road Meadowbrook – Saint Pius Middlecoff
Momentum Montclair Morris/Ruth Mt Vernon
Naples St N.A.S. Navigation Point Naylor
New River Hills N Lexington Blvd Nodding Pines – Airline North Beach
North Padre Island Northwest Corpus Christi Nottingham Acres N Staples St
Nueces River Ocean Dr Ocean Shores Old Brownsville
Oregon Trail Osein Packery Woodlands Pecan
Pelican Bay Estates Pharaoh Valley Pope Place Port and Tarlton
Price Field Promenade Quarenta Rancho Vista
Reserves Rio Vista Dr River Ridge River View/Smith Drive
Rodd Field Rodd Place Royal Creek Estates Sacky Drive
Sage Sandcastle Sanders Saratoga / Holly
Saxet Heights Schanen Seamist Shea Parkway
Shoreline Oaks Skipper Lane Snowmass Soledad W24
South Fork IV South Lake Estates South Shores Estates Southside
South Side S Prairie Stampede Dr St. Andrews
Starlight Estates Stonegate Stony Brook Suburban Acres
Sugar Ridge Summer Wind Sunnybrook Sunny Ridge
Tarlton/Cheyenne Terra Mar Texans The Best One
The Bordeaux The Cottages The Harbors The Lakes
The Sterling Thrive Memory Care Tierra Grande Tiger Lane
Tiger Ln Topeka Tropic Isles Turtle Cove
Tuscan Place Up River Rd Vineyard Vista Hermosa
Waldron Walnut Ridge Waverly Estates Weber
Westside Whitecap Willow Wind Song
Windsong Division Windsor Park Windvane Dr Winrock
W Longview St Woodbend Wood Estates Wood River
Wooldridge/Airline Wooldridge Creek 1 Wynnwood Zavala

 

Freedom Insurance Group is Proud to Serve Corpus Christi, Texas

Knowing you’re protected with the right coverages can bring you peace of mind. Finding the right coverages for the lowest price will deliver the protection you deserve while keeping money in your pocket. Freedom Insurance Group understands and helps find homeowners throughout Corpus Christi, Texas, the right coverage options for their needs at the lowest cost possible.

We get to know our clients to better understand their needs. Each homeowner’s needs are different and by creating a custom approach to your insurance needs we can prevent gaps in your coverage while saving you the most amount of money.

Our agents work for you by comparing your coverage needs among more than 25 top-rated insurance companies with strong financial ratings and a range of coverage options. By comparing your coverage among multiple brands, we can build a custom coverage option for you and your home that doesn’t break the bank. Contact us today or get a free home insurance quote with only a few clicks of a button.

Freedom Insurance specializes in the following Texas Insurance Services:

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769

BUSINESS HOURS

M-F: 8:30 am - 6:00 pm
SAT: 10:00 am- 2:00 pm
SUN: closed

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