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In Corpus Christi, homeowners insurance averages $5,081 annually for a $300,000 dwelling with a $1,000 deductible and $5,154 with a $500 deductible.
Living on the Texas coast adds to premiums. Corpus Christi’s exposure to hurricanes, tropical storms, and flooding raises the likelihood of damage—making comprehensive protection even more important.
Homes in Corpus Christi face hazards like:
A strong home insurance policy can help you recover financially from these events.
Some homeowners benefit from adding endorsements such as:
To reduce your costs:
Working with an independent agency like Richey Insurance lets you compare quotes from over 100 top-rated carriers. We’ll gather your information, shop the market for you, and explain your options clearly so you can make an informed choice.
Yes, appliances typically fall under personal property coverage. This protects them against fire, wind, hail, and falling objects. Damage from normal wear and tear, however, isn’t covered.
Installing a monitored security system may cut your premium by up to 20%. Fewer theft and vandalism claims make homes with alarms less expensive to insure. Ask an agent which systems qualify for discounts.
Foundation repairs are usually covered if the damage results from a covered peril. For example, a crack caused by a plumbing leak might be eligible for coverage. Your policy may exclude foundation issues related to settling or poor construction, so reviewing the details with an agent is important.
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