Corpus Christi, TX Home Insurance Made Easy: We Shop. You Save.
How Much Does Corpus Christi Home Insurance Cost?
Home insurance in Corpus Christi costs an average of $1,573 per year among TGS Insurance Agency customers. This average includes windstorm and hail coverage with a 2% deductible and is based on policies with an average home value of $242,495. While every policy is different and dependent on multiple factors, including your home’s value and the type of coverage you get, we have been able to save our Texas customers an average of $870 per year on their home insurance premiums when they switch to us. Finding out how much you can be saving is as easy as providing your address above for an instant quote- really!
Comparing Homeowners Insurance Premiums in Corpus Christi by Home Value
Below is a comparison of the average home insurance quote from TGS Insurance Agency in Corpus Christi, by home value. Home value is one of many factors that influences your home insurance rate. Below, home values are rounded to the nearest $25,000 so $200,000 includes homes in the $175,000 to $225,000 range, etc.
Home ValueAverage Annual Premium (incl. Wind Coverage) $200,000$1,384 $250,000$1,593 $300,000$1,815 $350,000$2,002 $400,000$2,352 $450,000$2,386 $500,000$2,599 $550,000$2,906 $600,000$3,283 $650,000$3,134
Common Home Insurance Endorsements in Corpus Christi, TX
Jewelry, Fine Arts & Collectibles:
This type of policy can be used to protect one or multiple pieces of jewelry, art, or collectibles. Your homeowners insurance may offer little to no coverage for these valuable items, so adding this endorsement to your policy will ensure they are protected should their value exceed your policy limits.
Wind/Hail Insurance:
Damage caused by wind and hail are two of the most common claims filed in Texas. Since Corpus Christi, TX is located on the coast of the Gulf of Mexico, it’s extremely important for homeowners in this area to have the proper amount of wind/hail coverage so you aren’t left paying out of pocket for costly repairs. At TGS Insurance we automatically include a 2% hail/wind deductible into every policy we write so you are always fully protected!
Flood Coverage:
Did you know that 43% of homeowners think that flood insurance is covered by their homeowners insurance policy? Unfortunately, this is untrue. Corpus Christi, TX homeowners need to purchase a separate flood insurance policy to ensure their home and personal belongings are protected by flood damage caused by hurricanes, tropical storms, or even heavy rainfall. The average TGS Insurance customer pays $528 per year for flood insurance and when compared to the average flood claim of $43,000, we think it’s a worthy investment!
Common Home Insurance Questions from Our Customers in Corpus Christi, TX
Are appliances considered personal property in homeowners insurance?
Since appliances are usually considered personal property, the standard homeowners insurance policy will protect your appliances from fire, wind, hail, falling objects, and other listed perils. Homeowners insurance will not cover normal wear and tear.
How much will a security system lower my homeowners insurance?
Installing a home security system in your home can reduce your homeowners insurance policy by up to 20%. This is because it lessens the chance of you filing a claim for theft or vandalism. Always talk to your insurance agent to see if you qualify for any discounts!
Is foundation repair covered under homeowners insurance?
The foundation of your home is protected under your homeowners insurance unless your insurance provider explicitly excludes it. For example, if your home’s foundation cracks or sinks because of a broken plumbing issue, then your homeowners insurance policy will cover you. Be sure to check with your insurance agent to see what foundation repairs would qualify under your home insurance policy.
Zip Codes in Corpus Christi, TX That We Insure:
783367840478410784167846078469 783627840578411784177846378472 783737840678412784187846578480 7840178407784137841978466 7840278408784147842678467 7840378409784157842778468
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