Pasadena Insurance Rates:

Pasadena, TX home insurance is approximately $868 to $1,177, about $72-$98/month. Our all inclusive research reveals consumers can save as much as $408 by getting different quotes

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Pasadena, Texas Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Pasadena Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $1150/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 2230 sqft Primary Residence Constructed In 2001 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $420/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

4 Beds, 4 Baths 1820 sqft Seasonal Residence Constructed In 2010 with Carpet Flooring, Metal Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $150/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Baths 3100 sqft Rental Property Constructed In 1994 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $950/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Baths 3150 sqft Primary Residence Constructed In 1996 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $140/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

4 Beds, 4 Baths 2130 sqft Seasonal Residence Constructed In 1988 with Hardwood Flooring, Tile Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Pasadena, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
77502 $93,700 $1,030
77503 $91,500 $1,020
77506 $75,600 $1,010
77505 $160,000 $1,060
77504 $116,900 $1,040

Pasadena Rates & Quotes Analysis:

Pasadena Area Estimated House Insurance
Camellia Ave, Perla Rd, Lucy Ln, Hamilton Ln, Still Creek Rd, Hays St, Tall Pine Dr, Elbridge Ln, S Spooner St, Plover Dr$1,034
Kappa St, Abbeywood Dr, Colombia Dr, Cherry Ln, E G St, Harriette St, Spring Dr, Marvin Cir, W Plantation, St James St$1,034
Mighty Redwood Ct, Theresa St, Cruse Dr, E Amherst Ln, S Shady Ln, Willowind Dr, Heathfield Dr, Wynd Ave, Regal Pine Trl, E Thomas Ave$1,000
Dry Creek Dr, Brownwind Trl, Dee Dr, Weatherford St, Valley Green Ct, Griffin St, Indigo Pass Ct, Crescent Shores Ln, Sandelwood Dr, Burwood Ct$1,037
Garfield Ave, Darrel St, Dedman St, N Munger St, Bentshire Way, W Jackson St, Glasgow St, Wharton Weems Blvd, Little Redwood Dr, Llano St$1,004
Cape Bahamas Ln, Sens Rd, Boothbay Ln, Valerie Ave, Santiago Ct, Galewood Way, Preston Rd, Egret Dr, Vermillion Dr, S 10th St$1,072
Belshire Rd, Pine Ave, Pinebrook Ct, Elderwood Dr, Green Meadows St, Old Vista Rd, Sioux Dr, Turtle Cove Dr, N Iowa Ave, Bayou Forest Dr$1,036
Wren Ln, Effie Ln, W Richey St, Cherokee Dr, Pinemoor Way, Edgehill Rd, Plainview St, Hargrave Ave, Genadena St, W Pasadena Blvd$1,019
Pauline Ave, Sunlight Way, E Loop S Svc Rd, S Fisher Ct, Spring Cress Ln, Layne St, Forest St, W D St, N Carroll St, Salem Dr$1,018
Willowbend Dr, Desirable Dr, Hillshire Dr, Tatar St, Lakin St, Park Thicket, Bramley Dr, Darling St, Wake Forest Dr, Sullivan Ave$1,034

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,671 Homes (16% of total homes ) built between 1960 to 1969 in Pasadena are paying home insurance between $1,789-$1,805. Places close to Pasadena, TX such as Deer Park, Southeast Harris, La Porte are more expensive by $26, $35, $14 respectively while South Houston and Galena Park are cheaper by $20 and $29 respectively for similar homes.
  • Bedrooms: 21,672 3 bedrooms homes (41% of total homes ) in Pasadena are paying about $798. Areas near to Pasadena such as Southeast Harris, Taylor Lake Village, Shoreacres are costlier by $14, $30, $23 respectively whereas South Houston and La Porte are more economical by $20, $4 respectively for similar homes.
  • Auto Insurance Bundling: 11,792 Households (43% of all households) in Pasadena have 2 vehicles available and when it is bundled with home insurance you can save $204 and differs from Deer Park ($207), South Houston ($202), Southeast Harris ($208).
  • Senior Discounts: 11,374 seniors (more than 55 years) occupied housing units (42% of total) in Pasadena get discounts between $153 to $155 compared to Deer Park ($155), South Houston ($151), Southeast Harris ($156).
  • New Homes discounts: New homes such as the 21,744 homes built between 2000 to 2009 in Pasadena can save $204 and similar new home insurance discounts in nearby towns and cities like Deer Park, South Houston and Southeast Harris are $207, $202 and $208 respectively.

Pasadena Homeowners insurance Facts

  • Pasadena, TX has 27,028 owner occupied houses which is 56.7% of all units whereas Deer Park, South Houston and Southeast Harris have 77.2%, 61.65% and 75.57% respectively.
  • Pasadena, TX homeowners yearly insurance price at $1,022 is 0.98% of the typical house value of $103,800 which is in contrast with 0.79% in Deer Park, 1.21% at South Houston & 0.76% in Southeast Harris.
  • Homeowners in Pasadena, TX pay 1.36% of their income ($75,000 or more) in insurance whereas homeowners in Deer Park, South Houston and Southeast Harris pay 1.38%, 1.35% and 1.39% respectively.
  • Pasadena, TX’s insurance is 6.3% of monthly housing costs of $1,350/month, for owners with a mortgage compared to 5.68% in Deer Park, 7.16% at South Houston & 5.56% in Southeast Harris. But, for households without a mortgage, insurance is 17.9% of costs ($475 in Pasadena, TX) in contrast with 15.49% in Deer Park, 20.33% at South Houston & 15.35% in Southeast Harris.

Pasadena, TX Home Values & Insurance rates

For example, insurance for 2,252 Homes (8.0% of total homes ) valued between Less than $50,000 in Pasadena, TX is about $245. Rates in nearby areas in such as Deer Park, Southeast Harris, La Porte are cheaper by $48, $58, $39 respectively while South Houston and Galena Park are costlier by $47 and $96 respectively for similar homes.

Pasadena, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,252 8.0% $245
$50,000 to $59,999 956 3.0% $511
$60,000 to $69,999 1,351 5.0% $633
$70,000 to $79,999 2,267 8.0% $735
$80,000 to $89,999 3,072 11.0% $827
$90,000 to $99,999 2,942 10.0% $930
$100,000 to $124,999 4,443 16.0% $1073
$125,000 to $149,999 2,541 9.0% $1349
$150,000 to $174,999 2,350 8.0% $1594
$175,000 to $199,999 1,417 5.0% $1839
$200,000 to $249,999 1,674 6.0% $2217
$250,000 to $299,999 806 3.0% $2708
$300,000 to $399,999 694 2.0% $3444

Renters Insurance in Pasadena

  • Average Renters Insurance in Pasadena :  $218($18/month)

  • Median Gross Rent in Pasadena :  $762

  • Pasadena Renters Insurance to Median Rent Ratio:  2.36%

  • Renter occupied housing units in Pasadena :  20,679

Pasadena Renters Insurance as a Percentage of Rent

Pasadena Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 218 1.0% $354
$200 to $299 438 2.0% $804
$300 to $499 1,155 5.0% $1254
$500 to $749 7,819 39.0% $1929
$750 to $999 5,655 28.0% $2679
$1,000 to $1,499 4,171 20.0% $3804
$1,500 or more 582 2.0% $5454

Rent Affordability in Pasadena:

Approximately 43.0% (9,056) of households are spending more than 35% of their income on gross rent in Pasadena

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,206 10.0%
15.0 to 19.9 percent 2,611 12.0%
20.0 to 24.9 percent 2,660 12.0%
25.0 to 29.9 percent 2,299 11.0%
30.0 to 34.9 percent 1,847 8.0%
35.0 percent or more 9,056 43.0%

Pasadena Renters Insurance Discounts:

Pasadena Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Pasadena, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 11,422 55.0% $21.8
2 vehicles available 5,307 25.0% $32.7
3 or more vehicles available 1,610 7.0% $43.6

Protective device discount in Pasadena Up to :  $32

Claims-free discount in Pasadena Up to :  $43