Pasadena, TX Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
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
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.
USAA
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
| Place | Savings 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
| 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 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 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 | |
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 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 |
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 InsuranceI 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 ShieldI wish that we didn't have to drive out of the way for the specialty doctors we are referred to with it.
State FarmI 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 InsuranceI 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.
GeicoI 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 MutualLiberty 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.
Allstatevery good home insurance company policy offerings compared to other insurance providers
Alcott InsuranceWhat 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 FarmMy premium is amazing they 100% cover any damages made to my home as long as I first pay my $500 deductible.
Geicogeico 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
AllstateI 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.
MetlifeMy 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 MutualI am satisfied with my premiums and coverage. The rates are very affordable and competitive to other companies and coverage.
State FarmI 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
AllstateI would recommend Allstate to anyone who needs home insurance. They are a reliable company who provides good service when needed.
Allstate5 my home insurance is great so far we have not used it but its great to have for emergencies
MetlifeI 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.
AllstateI like that, they have an easy pay program that does automatic payments on our schedule and for no fees
Farmer's InsuranceI 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 InsuranceI felt that our premium was fairly average with everyone else. My dad recommended Farmers so that's who we went with.
State FarmI 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
GeicoMy premium is good, no complaints there. I trust Geico since they do such a good job on my car insurance.
Liberty MutualIt is about the same, though I really don't know how much coverage I really have
State FarmI 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 FarmOh 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
ProgressiveI 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 Farmi recommend this company because they will definitely help out from the dangerous situation and help us more
State FarmI dislike that I cannot make coverage changes on my own on their website and instead have to call customer service.
GeicoThe 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 ShieldI 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.