Cornerstone Insurance Agency
1700 Stieger Lake Ln, Suite 201, Victoria, MN 55386
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1700 Stieger Lake Ln, Suite 201, Victoria, MN 55386
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Victoria residents.
Victoria drivers need more than minimums. Learn about TX 30/60/25 requirements, average rates ($133/mo), and why the US-77/59 crossroads affects your coverage.
Yes, you should strongly consider it. Hurricane Harvey proved that flooding doesn't respect FEMA flood zone boundaries—over 50% of Victoria's damage came from flooding, including areas not designated as high-risk. With flood insurance averaging just $784 annually in Texas, the protection far outweighs the cost, especially near the Guadalupe River.
Victoria homeowners pay approximately $1,400 per year on average for home insurance, significantly less than the Texas state average of $3,851. However, this base policy doesn't include flood coverage, which costs an additional $784 annually on average through NFIP.
A hurricane deductible is a separate, higher deductible that applies specifically to hurricane damage in Texas. It's typically 1-5% of your home's insured value. On a $250,000 home, you could pay between $2,500 and $12,500 out of pocket before your insurance coverage begins.
Homeowners insurance covers wind damage from hurricanes but explicitly excludes flood damage. Since Victoria's biggest hurricane threat is often flooding from heavy rainfall and Guadalupe River overflow, you need both standard homeowners insurance (for wind) and separate flood insurance (for water damage) to be fully protected.
Buy it now, before you need it. NFIP flood insurance policies have a 30-day waiting period before coverage begins, so you can't wait until a storm is approaching. Even if you're closing on a house, make flood insurance part of your closing checklist rather than something you'll "get to later."
Yes. While Victoria starts from a lower base than coastal areas, Texas home insurance rates increased 21% in 2023 and 19% in 2024. Rising construction costs, more severe weather events, and increasing home values are driving rates upward statewide, including in Victoria County.
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