Pasadena Insurance Rates:

Pasadena, TX homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find the Cheap Homeowners Insurance in Pasadena, TX

The average cost of home insurance in Pasadena, Texas, is $1557. Pasadena is a historic community with a population of around 1,49,506. Pasadena is known for its beautiful architecture, culture, and thriving entertainment industry. If you're like most residents of Pasadena, your home is a valuable asset that you want to protect from natural disasters like floods or fires. Residents of Pasadena are at risk for tornadoes and windstorm damage. Therefore, they must consider availing flood insurance and hurricane insurance to protect their homes in Pasadena, TX.

A few factors covered under home insurance in Pasadena, Texas, are listed below.

Common Homeowners Insurance Coverages in Pasadena, TX

  • Dwelling and other structures

    Dwelling covers the house's fundamental parts, i.e., structures permanently attached to your home. Other structures include segments not connected with your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages.

  • Personal belongings

    This covers your belongings like furniture, electronics, or any other appliances.

  • Medical Expenses

    In an unfortunate situation, if any of your guests is injured on the insured property, home insurance in Pasadena, TX, covers the medical expenses of the injured person(s).

  • Scheduled Personal Property

    In certain situations, homeowners may require extra coverage to protect their valuables like jewelry, guns, collectibles, and many more. Home insurance in Pasadena, TX, covers these expenses as well. 

Cost of insurance based on the coverage level in Pasadena, TX

Home insurance provides coverage for the structure of your home and other structures on your property against damages or loss caused by events such as fire, theft, vandalism, earthquakes, blizzards, and more. A comprehensive policy also provides personal liability protection in case you are sued due to an accident on your property.

Homeowners in Pasadena, TX, paying a coverage of $100,000, can avail of home insurance for $1198. Typically homeowners choose to pay coverage of $400,000 to $500,000, which comes to $6912 and $9331, respectively, in Pasadena, TX.


Cost of insurance based on the deductibles in Pasadena, TX

A deductible is the fixed dollar amount that a policyholder must pay from their own pockets towards a loss. Insurance companies charge high premiums to help mitigate their financial risk who opt for lower deductibles.

For instance, let's assume that as per your policy, your deductible is $1500. If you make a claim with damages of $10,000, you have to pay your deductible, i.e., $1500, and the remaining balance, i.e., $8500, will be paid by your respective insurance company.

So, Pasadena homeowners paying a high deductible of $2500 can avail of home insurance for $1118. Likewise, homeowners paying a high deductible of $1500 and $2000 can avail of home insurance in Pasadena, Texas, for $1311 and $1190, respectively.

Cost of insurance based on the number of claims in Pasadena, TX

While filing a claim is an uncomplicated way to obtain compensation for covered damages, it also increases your premium. If you can afford to pay for more minor injuries out of pocket, you're likely to save more in the long run by not reporting the incident to your insurer.

For instance, homeowners in Pasadena, Texas, with zero claims, pay $1354.59. In contrast, homeowners with one or two claims pay $1665.99 and $1743.84 on home insurance in Pasadena, Texas.

Pasadena, TX, Best Home Insurance Companies

The average cost of home insurance in Pasadena, TX, is $1,557 and is comparatively higher than the national average premium of $1,438. Pasadena homeowners tend to choose home insurance companies based on how reasonably priced their quotes are. However, homeowners should also consider other factors such as claims processing speed, customer service, and availability of discounts before choosing the home insurance company that best suits their needs. Below are the top 5 home insurance companies in Texas according to market share.


State Farm

State Farm is the most prominent company in Texas, occupying the majority of the market share with 19.55%. The renowned home insurance company has written direct premiums worth $1,847,041 and has earned direct premiums worth $1,842,124. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity to grant potential claims of current Pasadena policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.


Allstate comes second to State Farm in terms of market share, occupying 13.08% of the home insurance market. Allstate has written direct premiums worth $1,236,065 and earned direct premiums worth $1,178,535. Allstate has the superior financial ability in granting potential claims of current Pasadena policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power’s customer feedback survey.


Farmers is another major player in the insurance segment holding a market share of 10.39% in Texas. The company has direct premiums written for a total value of $981,914. It has earned direct premiums worth $964,870. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction rating of 3/5.


Even though USAA only offers its services to veterans, active, and retired military personnel, it has managed to hold a market share of 9.70%. It has direct premiums written worth $916,464, and direct premiums earned worth $881,961. USAA is the only home insurance company other than State Farm to receive a financial strength rating of A++ for its superior financial ability in granting claims of current Pasadena policyholders. It also holds a perfect customer satisfaction score of 5/5 from J.D. Power.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 7.37% in Texas. The home insurance company has direct premiums written worth $696,450, and direct premiums earned worth $706,863. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.

Pasadena, TX Homeowners Insurance By Home Value

Pasadena, TX Home Value Total Homes % of Total Average Pasadena, TX 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

Top Home Insurance Agents Near Pasadena, TX

Home Insurance Company Near Pasadena, TX Homeowners Insurance Agency Near Pasadena, TX Address
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
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

Pasadena, TX Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Pasadena, TX

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

Pasadena, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pasadena$153 to $155
Deer Park$155
South Houston$151
Southeast Harris$156

Pasadena, TX Auto & Homeowners Insurance Bundling Discounts

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

Pasadena, TX Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Pasadena, TX6.3%17.9%
Deer Park5.68%15.49%
South Houston7.16%20.33%
Southeast Harris5.56%15.35%

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

Pasadena, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Pasadena, TX Home Insurance Costs With Home Replacement Value Scenarios

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

Example Pasadena Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersUSAA group
Monthly Premium 899280
Year Built 200820141984
Home Details 5 Beds, 3 Baths2 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $200000-$250000$125000-$150000$200000-$250000
Deductible > $10,000 Deductible$500- $1000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Pasadena, TX from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1997 70,000 Composition Roof 970 2 $500- $1000 Deductible 490 8 Wood siding No
1992 210,000 Wood Shake Roof 3,090 5 > $10,000 Deductible 230 3 Fiber-Cement Siding yes
1988 75,000 Wood Shake Roof 930 2 $500- $1000 Deductible 50 1 Stone Siding yes
1984 170,000 Wood Shake Roof 1,990 3 $500- $1000 Deductible 490 4 Stone Siding yes
2003 85,000 Tile Roof 1,150 2 $500 Deductible 450 5 Vinyl siding yes
1995 185,000 Membrane Roof 2,510 4 $2500-$5000 Deductible 590 8 Stone Siding No
1980 200,000 Membrane Roof 3,060 4 $2500-$5000 Deductible 770 6 Stucco siding yes
2002 230,000 Metal Roof 3,400 4 $500 Deductible 1990 12 Vinyl siding No
2011 215,000 Tile Roof 2,840 5 $500- $1000 Deductible 1590 9 Stone Siding No
1963 310,000 Asphalt Shingles Roof 4,930 5 > $10,000 Deductible 940 6 Stone Siding No
1964 295,000 Metal Roof 4,710 5 $500 Deductible 1220 5 Stone Siding yes
1998 170,000 Composition Roof 2,360 3 $1000-$2500 Deductible 620 6 Stone Siding yes
1991 100,000 Composition Roof 1,300 2 $1000-$2500 Deductible 740 12 Stucco siding No
2012 80,000 Asphalt Shingles Roof 1,040 2 $500 Deductible 510 7 Fiber-Cement Siding yes
1962 95,000 Asphalt Shingles Roof 1,310 2 $500- $1000 Deductible 470 7 Wood siding yes
1966 115,000 Slate Shingles Roof 1,600 2 $1000-$2500 Deductible 540 7 Brick siding No
1962 320,000 Slate Shingles Roof 4,540 5 $5000 to $10,000 Deductible 140 1 Stone Siding yes
1991 205,000 Composition Roof 2,600 4 $5000 to $10,000 Deductible 300 3 Stone Siding yes
1981 265,000 Tile Roof 3,050 5 $500- $1000 Deductible 860 4 Wood siding yes
2012 225,000 Membrane Roof 3,370 5 $2500-$5000 Deductible 780 9 Brick siding No
2008 185,000 Membrane Roof 2,670 5 $500- $1000 Deductible 450 4 Stucco siding yes
2005 210,000 Asphalt Shingles Roof 2,650 4 $1000-$2500 Deductible 160 1 Vinyl siding yes
1971 295,000 Slate Shingles Roof 4,110 5 $5000 to $10,000 Deductible 1090 9 Vinyl siding yes
1980 90,000 Metal Roof 1,290 2 $500 Deductible 610 7 Vinyl siding No
1974 130,000 Metal Roof 1,670 2 $500 Deductible 150 2 Brick siding No
2001 135,000 Tile Roof 2,230 3 $500 Deductible 1150 12 Wood siding No
2010 110,000 Metal Roof 1,820 4 $2500-$5000 Deductible 420 6 Brick siding No
1994 260,000 Wood Shake Roof 3,100 5 $500 Deductible 150 1 Stucco siding yes
1996 250,000 Tile Roof 3,150 4 $500- $1000 Deductible 950 6 Stucco siding yes
1988 130,000 Tile Roof 2,130 4 $500 Deductible 140 2 Wood siding yes

Latest Home Insurance Reviews

Farmer's Insurance
I would recommend my insurance company as I have used them for many years and had not had any issues. I have made a few claims and the service was always reliable.
Blue Cross Blue Shield
I wish that we didn't have to drive out of the way for the specialty doctors we are referred to with it.
State Farm
I am not familiar with the offerings of other companies so I do not feel qualified to compare my policy against that of other companies.
Farmer's Insurance
I would recommend Farmer's Insurance because their rates and offerings are very competitive. I especially like that they are very proactive when it comes to preparing for hurricane season.
I like the premium and deductible cost. It is cheap and within my budget. I have met my deductible already. I would suggest it to anyone.
Liberty Mutual
Liberty Mutual does a wonderful job looking after their clients. They do not discriminate against race or gender. I would recommend them because they give the customer exactly what they are looking for.
very good home insurance company policy offerings compared to other insurance providers
Alcott Insurance
What i dislike about alcott is the co-pay and deductibles with each plan are not good, so the choices between premiums are not affordable and very expensive.
State Farm
My premium is amazing they 100% cover any damages made to my home as long as I first pay my $500 deductible.
geico has a decent premium and the deductible of my poliyc is something that i am happy with in comparison to those of other insurance policies
I would reccommend this home insurance because they help you when you need it and are very friendly if you ever encounter a problem or have any questions for them.
My insurance provider is a bit higher than other companies that offer the same services. I continue to choose them because of the customer service. The discounts for tenure. And they provide discounts based on a group rate.
Liberty Mutual
I am satisfied with my premiums and coverage. The rates are very affordable and competitive to other companies and coverage.
State Farm
I feel like my premium is very comparable to what I would be paying to other companies are here I get the luxury of being with a company that has been around for a very long time it does very good business and is highly reputable
I would recommend Allstate to anyone who needs home insurance. They are a reliable company who provides good service when needed.
5 my home insurance is great so far we have not used it but its great to have for emergencies
I hate it when i have to call them, as they are often not very friendly, they put you on hold and transfer you from department to department.
I like that, they have an easy pay program that does automatic payments on our schedule and for no fees
Farmer's Insurance
I think I am paying way too much. My house is worth nowhere near the minimum they will cover it for. I am scraping to get by as it is. Well because my house is old and isn't worth much most insurance companies won't even write me a policy.
Farmer's Insurance
I felt that our premium was fairly average with everyone else. My dad recommended Farmers so that's who we went with.
State Farm
I like the personal contact an agent brings. I would not change to just a website anytime soon. The savings would have to be more substantial than they are now to lose that interaction
My premium is good, no complaints there. I trust Geico since they do such a good job on my car insurance.
Liberty Mutual
It is about the same, though I really don't know how much coverage I really have
State Farm
I like the customer service and there multi policy discount that they have for vehicles and the discount for the different policies that you have with the company.
State Farm
Oh that's what exactly just said he said I don't like it. I emailed the dislikes are outweighing the lights to the point where there are no likes that's how much I don't like it. The ready likes the lid likes would not be there at all or not because
I like that it is cheap. I have comprehensive coverage. The coverage is good. The only problem is those overseas phone banks. Sometimes I just cannot understand them.
State Farm
i recommend this company because they will definitely help out from the dangerous situation and help us more
State Farm
I dislike that I cannot make coverage changes on my own on their website and instead have to call customer service.
The price we pay is the best part, as it is the cheapest available. Other than that, we've never needed to file a claim, and I cannot speak for that process.
Blue Cross Blue Shield
I think the website could be a little better. Also, when asking for a quote the insurance agent only sent me the quote and not all the applicable parties.

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