Pearland Insurance Rates:

Pearland, TX home insurance is roughly $904 to $1,226, about $75-$102/month. Our in depth guide reveals consumers can save as much as $426 by getting different quotes

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Read Pearland, Texas Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Pearland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $660/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $400,000

4 Beds, 4 Baths 3250 sqft Seasonal Residence Constructed In 2005 with Stone Flooring, Composition Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $590/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 1800 sqft Primary Residence Constructed In 2003 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $980/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Bath 3300 sqft Seasonal Residence Constructed In 2013 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2830/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1830 sqft Seasonal Residence Constructed In 1984 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1470/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

5 Beds, 5 Baths 3660 sqft Vacation Property Constructed In 1980 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 1650 sqft Seasonal Residence Constructed In 2002 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is Retired and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1090/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 2230 sqft Rental Property Constructed In 2003 with Hardwood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $690/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $555,000

5 Beds, 5 Baths 4740 sqft Vacation Property Constructed In 2011 with Carpet Flooring, Metal Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $840/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Bath 1790 sqft Rental Property Constructed In 1988 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Pearland, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
77584 $188,600 $1,080
77581 $173,100 $1,080

Pearland Rates & Quotes Analysis:

Pearland Area Estimated House Insurance
Prestwick Sq, Bees Creek Ct, Cherry Springs Ct, Marzia Ave, W Plantation Oaks, Rita Elliott Ct, Macnicoll St, Honey Grove Ave, English Green Way, Ladonia St$1,087
Lazy Hollow Ct, Owens Glen Ct, E Dallas Rd, S Fitzgerald Ct, Dewalt Way, Stones Throw Ln, House Lake Dr, Summit Rock Way, Deer Knoll Ct, Deer Lodge Ct$1,106
Garden Gln, Forest Teal Ct, S Fitzgerald Way, College St, Moonlight Ct, Blue Heather Ln, Oakland Cir, Chapel Creek Way, Cape Hatteras Way, McKinney Ln$1,091
Steep Bank Psge, Quail Burg Ct, Gussie Mae Ln, Evening Wind Dr, Emerald St, Hardwood Glen Dr, Rudolph Ct, Hickory Lake, Miller Rd, One Oak Chase Rd$1,102
Ryon Way, Manchester Cove, Richmond Knoll Ct, Lilac Breeze Ln, Coretta Ct, Caloway Ct, Gardenia, Chriesman Ln, Alvin, Collier Point Ln$1,088

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,740 Homes (20% of total) built between 1990 to 1999 in Pearland are paying home insurance between $1,536-$1,552 compared to Friendswood (+$33), Sienna Plantation (+$61), Southside Place (+$650), Brookside Village (-$23) and South Houston (-$79).
  • Bedrooms: 13,182 3 bedrooms homes (40% of total homes ) in Pearland are paying about $831. Areas near to Pearland such as Friendswood, Sienna Plantation, Southside Place are costlier by $18, $33, $336 respectively whereas Brookside Village and Manvel are more economical by $23, $15 respectively for similar homes.
  • Auto Insurance Bundling: 6,565 Households (26% of all households) in Pearland have 3 or more vehicles available and when it is bundled with home insurance you can save $266. Discounts for similar bundling in close by locations such as Brookside Village, Manvel, Friendswood come to $262, $264, $272 respectively.
  • Senior Discounts: 7,443 seniors (more than 55 years) occupied housing units (29% of total) in Pearland get discounts between $159 to $162 and differs from Brookside Village ($157), Manvel ($158), Friendswood ($163).
  • New Homes discounts: New homes such as the 23,513 homes built between 2000 to 2009 in Pearland can save $213 and varies from Brookside Village ($209), Manvel ($211), Friendswood ($217).

Pearland Homeowners insurance Facts

  • Pearland, TX has 25,021 owner occupied houses which is 80.9% of all units whereas Manvel, Friendswood and South Houston have 83.63%, 81.28% and 61.65% respectively.
  • Pearland, TX homeowners yearly insurance price at $1,065 is 0.59% of the typical house value of $179,000 which is in contrast with 0.62% in Manvel, 0.49% at Friendswood & 1.21% in South Houston.
  • Homeowners in Pearland, TX pay 21.3% of their income (Less than $10,000) in insurance whereas homeowners in Manvel, Friendswood and South Houston pay 21.18%, 21.76% and 20.2% respectively.
  • Pearland, TX’s insurance is 4.5% of monthly housing costs of $1,970/month, for owners with a mortgage compared to 4.51% in Manvel, 4.35% at Friendswood & 7.16% in South Houston. But, for households without a mortgage, insurance is 12.9% of costs ($688 in Pearland, TX) in contrast with 18.31% in Manvel, 11.55% at Friendswood & 20.33% in South Houston.

Pearland, TX Home Values & Insurance rates

For example, insurance for 1,420 Homes (5.0% of total homes ) valued between $300,000 to $399,999 in Pearland, TX is about $2,076. Rates in nearby areas in such as Friendswood, Sienna Plantation, Southside Place are cheaper by $357, $560, $1,546 respectively while Manvel and Arcola are costlier by $94 and $1,415 respectively for similar homes.

Pearland, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 704 2.0% $138
$90,000 to $99,999 312 1.0% $564
$100,000 to $124,999 2,021 8.0% $649
$125,000 to $149,999 3,341 13.0% $809
$150,000 to $174,999 4,887 20.0% $958
$175,000 to $199,999 3,760 15.0% $1107
$200,000 to $249,999 4,926 20.0% $1331
$250,000 to $299,999 2,252 9.0% $1629
$300,000 to $399,999 1,420 5.0% $2076

Renters Insurance in Pearland

  • Average Renters Insurance in Pearland :  $158($13/month)

  • Median Gross Rent in Pearland :  $1,073

  • Pearland Renters Insurance to Median Rent Ratio:  1.21%

  • Average household size of renter-occupied unit :  2.31

Pearland Renters Insurance as a Percentage of Rent

Pearland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 60 1.0% $1239
$500 to $749 626 11.0% $1914
$750 to $999 1,711 30.0% $2664
$1,000 to $1,499 1,871 33.0% $3789
$1,500 or more 1,283 23.0% $5439

Rent Affordability in Pearland:

Approximately 31.0% (1,849) of households are spending more than 35% of their income on gross rent in Pearland

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 646 10.0%
15.0 to 19.9 percent 824 13.0%
20.0 to 24.9 percent 1,211 20.0%
25.0 to 29.9 percent 828 14.0%
30.0 to 34.9 percent 533 9.0%
35.0 percent or more 1,849 31.0%

Protective device discount in Pearland Up to :  $23

Claims-free discount in Pearland Up to :  $31