Corpus Christi, TX Home Insurance Made Easy: We Shop. You Save.
The Cost of Corpus Christi, TX Home Insurance
Homeowners insurance is tailored to your home’s specific needs which is why every homeowner has a different rate that they pay. Let’s take a closer look at the average home insurance rates each year in Corpus Christi, TX:
Your home insurance rates may be different from the national and Texas averages, but it’s helpful to compare rates to see if you need to make any changes to your policy. Each insurance provider has their own way of calculating your premium but it always boils down to how much risk they would take on to insure your home. Some factors you have no control over, while some you do. Let’s review some of the most common things home insurance providers look at.
- Location of your home (Ex: homes on the coast are a higher risk for hurricanes)
- Local crime rates (Higher crime rates = higher premium)
- The year, material type, and square footage of your home
- How much coverage you need
- If you qualify for any discounts
- Your claims history
- Your credit score (Higher score = lower premium)
The TGS Insurance team will find you a policy tailored to your needs and will strive to find you the best rate so you don’t have to compromise on coverage! We’ll shop your policy with our bank of 35+ A-rated carriers and will narrow down the best option for you to find you the best policy without all the hassle. Getting home insurance has never been easier!
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:
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!