Protect your home with top-rated coverage that could save you money.
When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
Outside of Florida & Louisiana, Kin offers House & Property insurance, which has a base policy that provides coverage similar to landlord insurance. Homeowners who live in their home can add an owner-occupied endorsement to create coverage similar to an HO3 policy.
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Rest easy knowing your coverage protects what matters most.
for the actual structure of your home, inside and out.
for things like your detached garage or shed.
for your personal belongings that make your house a home.
for additional living expenses when a covered loss forces you to temporarily relocate.
if you accidentally cause someone bodily injury or property damage.
if a guest is injured on your property.
Texans can now bundle their home and auto insurance policies with Kin for up to a 20% discount on auto insurance.
The average cost of home insurance has increased to $4,786 per year in Texas, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Home & auto bundling - for Texans who bundle their home and auto insurance policies with Kin.
From small claims to disasters, we're here to help you recover quickly.
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
Our licensed insurance experts are available to help via email, phone, or live chat.
We help Texans find coverage across the entire Lone Star State, including in these major cities.
Home insurance premiums in Corpus Christi tend to be above the Texas state average of $4,786 per year according to the latest data available from the Consumer Federation of America. The city’s exposure to hurricanes, tropical storms, and coastal winds is a key driver of these elevated rates. Exactly how much you pay for home insurance in Corpus Christi will depend on a range of factors, such as your property, local risks, and your coverage preferences.
Premiums in Corpus Christi are influenced by several coastal and property-specific risks:
Hurricane and windstorm exposure from the Gulf Coast
Age and wind resistance of the home’s roof
Construction type and adherence to modern storm-resistant codes
Location within designated windstorm or catastrophe zones
Local fire protection services and emergency access
Claims history for the property or nearby homes
Credit-based insurance score
Dwelling coverage. Should match the full cost to rebuild your home, including coastal building standards.
Other structures coverage. Usually set at 10% of dwelling coverage but can be increased if the replacement value of other structures on your property, like a detached garage, exceeds that limit. needed for structures like piers or detached garages.
Personal property coverage. Typically set to 50–70% of dwelling coverage to protect personal belongings, such as furniture, electronics, jewelry, and appliances. Creating a home inventory can help you determine an accurate limit.
Liability insurance. Should provide enough coverage to protect your assets, including savings, property, and investment accounts.
Medical payments coverage. Offers $1,000 to $5,000 in protection for guest injuries, regardless of liability.
Flood damage, including that caused by storm surges and intense rainfall
Saltwater corrosion or moisture damage not related to a covered peril
Pest infestations like termites or rodents
Foundation cracks from settlement or soil movement unless endorsed
Damage from wear and tear or neglect
Windstorm insurance if limited or excluded from your base policy
Flood insurance
Ordinance or law coverage to meet strict building code requirements
Water backup coverage
Extended replacement cost to address material shortages after major storms
Although Texas law does not require homeowners insurance, nearly all mortgage lenders will insist on it before issuing a loan, especially in coastal cities like Corpus Christi. You may also need to purchase wind or flood insurance, depending on your lending agreement.
Even for homes without a mortgage, a well-rounded insurance policy can offer critical protection against hurricane losses and liability claims.
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