Pasadena ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Pasadena, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Pasadena, TX is $2010. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Pasadena, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Pasadena, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $804 |
| $200,000 | $1,367 |
| $300,000 | $1,688 |
| $400,000 | $2,573 |
| $500,000 | $3,236 |
Home insurance costs in Pasadena can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 077502 | $2,669 |
| 77503 | $2,658 |
| 77506 | $2,619 |
| 77505 | $2,799 |
| 77504 | $2,716 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Pasadena, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,061 |
| $1000 Deductible | $1,843 |
| $1500 Deductible | $1,739 |
| $2500 Deductible | $1,568 |
| $5000 Deductible | $1,327 |
| Home Insurance Company Near Pasadena, TX | Homeowners Insurance Agency Near Pasadena, TX | Address |
|---|---|---|
| State Farm | Noah Labauve | 9701 N Belt Pkwy E Ste 170, Humble, TX, 77396-4636 |
| Travelers | Twfg Insurance Services | 1201 Lake Woodlands Dr., Ste. 4020 The Woodlands, Baytown, TX, 77380 |
| State Farm | Jose Jimenez | 4141 North Fwy Ste 118, Houston, TX, 77022-4213 |
| State Farm | Ken Mitchell | 2005 N Alexander Dr, Baytown, TX, 77520-3453 |
| Travelers | Metro Allied Insurance Agency Texas Llc | 2900 Weslayan St Ste 668, Houston, TX, 77027 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Deer Park city, Texas | $155 | $207 | $311 |
| South Houston city, Texas | $152 | $202 | $303 |
| Southeast Harris CCD, Harris County, Texas | $156 | $208 | $312 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Pasadena, TX | 6.3% | 17.9% |
| Deer Park | 5.68% | 15.49% |
| South Houston | 7.16% | 20.33% |
| Southeast Harris | 5.56% | 15.35% |
| 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 |
| Streets in Pasadena Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Pasadena | $153 to $155 |
| Deer Park | $155 |
| South Houston | $151 |
| Southeast Harris | $156 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Pasadena Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,900 | $7,300 |
| Net Savings to Pasadena Home Owner from High Deductible Plan | $600 | |
| Scenario | Pasadena, TX Home Replacement Value MORE than Home Value | Pasadena, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $145,000 | $99,000 |
| Insurance Premium based on Replacement Value | $1,400 | $950 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $23,000 | Risk Exposure from Under Insuring Coverage is $23,000 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $225/year |
| Insurance Company | State Farm | Travelers | USAA group |
| Monthly Premium | 89 | 92 | 80 |
| Year Built | 2008 | 2014 | 1984 |
| Home Details | 5 Beds, 3 Baths | 2 Beds, 1 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $125000-$150000 | $200000-$250000 |
| Deductible | > $10,000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |