Pearland Insurance Rates:

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

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Homeowners Insurance Cost in Pearland, TX

Homeowners in Pearland, TX pay an average of $1390.5 for home insurance. However, the cost of your policy will vary based on a number of factors including coverage type and deductible amount as well as age of property or materials used to build it.Below is the summary of average home insurance costs available to Pearland Homeowners based on the deductible and other variables.

Pearland, Home Insurance Cost for different deductibles.

Homeowners_Insurance_Cost_in_Pearland_TX

Homeowners are given discounts when they opt for higher deductibles which translates into cheaper monthly payments and affordable premiums over time. A high deductible policy is an easy way to benefit more while saving money. Pearland homeowners paying a high deductible of $2500 can avail of home insurance for $998.38.Homeowners receive insurance for $1062.06 and $1169.97, respectively, on deductibles $2000 and $1500.

The average cost of house insurance is directly proportional to the age of the home. Newly constructed Pearland, TX homes can avail lower insurance of $1,071 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. An older housing means higher rates since houses are more prone to damage and as a result, those with homes over 40 or 50 years old have to pay  $1427-$1443 per year on their premiums.

Construction type is an important factor in the cost of homeowners insurance. The more resistant your house to damage, the less expensive homeowners insurance will be for you. For instance, if a person lives in Pearland, TX and has fire-resistant construction on their roof they can benefit from average rates at $1224 per year.Insurance companies in Pearland offer home insurance for $1321 for homes built with Masonry and Brick. Homes constructed with superior and hail resistant roofs attract a higher amount $1265 and $1349 respectively.

Apart from all these factors, homeowners can avail cheap home insurance costs from insurance companies based on the security features and senior citizens residing in the households. Senior occupied houses in Pearland can also avail discounts on home insurance.

Pearland, TX, Best Home Insurance Companies

‌The‌‌‌ ‌‌‌average‌‌‌ ‌‌‌cost‌‌‌ ‌‌‌of‌‌‌ ‌‌‌home‌‌‌ ‌‌‌insurance‌‌‌ ‌‌‌in‌‌‌ ‌‌‌Pearland,‌‌‌ ‌‌‌TX,‌‌‌ ‌‌‌ranges‌‌‌ ‌‌‌between‌‌‌ ‌‌‌$904 ‌‌‌to‌‌‌ $1,226.‌‌‌ ‌‌‌Pearland‌‌‌ ‌‌‌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.

Pearland_TX_Best_Home_Insurance_Companies

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 Pearland 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 Pearland 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 Pearland 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.

Pearland, TX, Best Home Insurance Companies

Homeowners in Pearland, TX, generally choose home insurance companies based on how reasonably priced their quotes are. However, the best home insurance companies are determined based on their financial strength rating, customer satisfaction score, and market share.

State Farm

State Farm leads the way in Pearland, occupying the majority of market share in Texas with 19.55%. State Farm is considered to be reliable in terms of financial strength, holding a financial strength rating of A++ (superior) from A.M. Best. It also holds a customer satisfaction score of 3/5 from J.D. Power.

Allstate

Allstate follows close behind State Farm, occupying a market share of 13.08% in Texas. Allstate has superior financial ability in granting potential claims of current Pearland 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.

Farmers

Farmers holds a market share of 10.39%, according to the data collected by the National Association of Insurance Commissioners (NAIC). A.M. Best has awarded Farmers a financial strength rating of A+ for its superior ability in granting potential claims of current Pearland policyholders. J.D. Power awarded Farmers a customer satisfaction score of 3/5, based on a consumer survey.

USAA

USAA is another major insurance company in Pearland, with a market share of 9.70%. USAA earned a financial strength rating of A++ from A.M. Best for its superior financial ability in granting potential claims of current Pearland policyholders. It also holds a perfect customer score of 5/5 from J.D. Power.

Liberty Mutual

According to the NAIC data, Liberty Mutual has a market share of 7.37% in Texas. Liberty Mutual has a financial strength rating of A from A.M. Best for its excellent ability in granting potential claims of current Pearland policyholders. It received a customer satisfaction score of 2/5 from J.D. Power.

Pearland_home

Pearland, TX Homeowners Insurance By Home Value

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

Top Home Insurance Agents Near Pearland, TX

Home Insurance Company Near Pearland, TX Homeowners Insurance Agency Near Pearland, TX Address
NA Cravens, Warren And Company 10011 West Gulf Bank , Houston, TX, 77040
NA Elias Ramirez Insurance Agency 6901 Lawndale St., Houston, TX, 77023
Travelers Ami Insurance Agency Llc 16113 EAST FWY, CHANNELVIEW, TX, 77530
Allstate Cecile Nguyen 9585 Clay Rd Ste 8, Houston, TX, 77080
State Farm Roderick Price 12777 Jones Rd Ste 125, Houston, TX, 77070-4492

Pearland, TX Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Pearland, TX

Streets in Pearland Area Homeowners Insurance Cost
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

Pearland, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Pearland$159 to $162
Brookside Village$157
Manvel$158
Friendswood$163

Pearland, 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
Brookside Village city, Texas $131 $175 $262
Manvel city, Texas $132 $176 $264
Friendswood city, Texas $136 $181 $272

Pearland, 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
Pearland, TX4.5%12.9%
Manvel4.51%18.31%
Friendswood4.35%11.55%
South Houston7.16%20.33%

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

Pearland, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$3,400
Yearly Pearland Homeowner Insurance Premium Example $1,900$1,500
Out of Pocket Expense During Claim$1,400$3,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $14,700$13,900
Net Savings to Pearland Home Owner from High Deductible Plan $800

Pearland, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Pearland, TX Home Replacement Value MORE than Home Value Pearland, TX Home Replacement Value LESS than Home Value
Replacement Value $275,500 $168,500
Insurance Premium based on Replacement Value $2,825 $1,725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $69,000 Risk Exposure from Under Insuring Coverage is $38,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $725/year

Example Pearland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyUSAA groupAllstate
Monthly Premium 83135281
Year Built 198119912014
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$150000-$175000$400000-$500000
Deductible $5000 to $10,000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 245,000 Membrane Roof 2,260 5 $5000 to $10,000 Deductible 1420 10 Vinyl siding No
1985 365,000 Shingles Roof 3,030 4 $1000-$2500 Deductible 2150 12 Stone Siding No
2013 280,000 Asphalt Shingles Roof 2,300 3 $2500-$5000 Deductible 760 6 Vinyl siding yes
2013 280,000 Asphalt Shingles Roof 2,830 4 $500 Deductible 2360 12 Brick siding No
2010 230,000 Composition Roof 1,940 3 $500- $1000 Deductible 1620 12 Wood siding yes
1985 370,000 Metal Roof 3,290 4 $500- $1000 Deductible 4010 12 Fiber-Cement Siding No
1994 345,000 Slate Shingles Roof 3,590 5 > $10,000 Deductible 2520 12 Fiber-Cement Siding No
1998 490,000 Wood Shake Roof 4,490 5 > $10,000 Deductible 2020 10 Stone Siding No
1986 140,000 Wood Shake Roof 1,510 3 $2500-$5000 Deductible 720 8 Stucco siding yes
2012 395,000 Tile Roof 3,270 4 $2500-$5000 Deductible 1730 10 Stucco siding No
2011 280,000 Shingles Roof 2,310 5 $500- $1000 Deductible 410 2 Stucco siding No
2012 210,000 Metal Roof 1,750 5 $500 Deductible 630 4 Stone Siding No
1994 355,000 Slate Shingles Roof 2,990 4 $500- $1000 Deductible 1510 7 Stucco siding yes
2012 240,000 Membrane Roof 2,730 4 $500 Deductible 2000 9 Fiber-Cement Siding yes
1982 160,000 Slate Shingles Roof 1,820 4 $2500-$5000 Deductible 810 8 Stucco siding No
2010 195,000 Composition Roof 2,180 4 $500- $1000 Deductible 830 8 Stucco siding yes
1989 270,000 Wood Shake Roof 2,370 5 > $10,000 Deductible 320 2 Fiber-Cement Siding yes
2013 195,000 Wood Shake Roof 2,120 3 $1000-$2500 Deductible 1340 12 Wood siding No
1982 240,000 Asphalt Shingles Roof 1,960 3 $500- $1000 Deductible 340 2 Stucco siding No
2000 325,000 Membrane Roof 3,840 5 > $10,000 Deductible 430 3 Vinyl siding No
2005 395,000 Asphalt Shingles Roof 3,250 5 $1000-$2500 Deductible 590 3 Vinyl siding No
2012 215,000 Shingles Roof 1,890 4 > $10,000 Deductible 620 6 Fiber-Cement Siding yes
2000 125,000 Shingles Roof 1,250 3 $500- $1000 Deductible 1250 12 Stucco siding No
2005 285,000 Wood Shake Roof 2,620 5 $500 Deductible 1440 7 Fiber-Cement Siding No
2005 400,000 Composition Roof 3,250 4 $2500-$5000 Deductible 660 4 Brick siding No
2003 215,000 Asphalt Shingles Roof 1,800 3 $5000 to $10,000 Deductible 590 5 Vinyl siding yes
2013 335,000 Wood Shake Roof 3,300 5 > $10,000 Deductible 980 8 Wood siding yes
1984 215,000 Slate Shingles Roof 1,830 4 $500 Deductible 2830 12 Stucco siding yes
1980 430,000 Shingles Roof 3,660 5 $1000-$2500 Deductible 1470 6 Stone Siding No
2002 160,000 Wood Shake Roof 1,650 4 $5000 to $10,000 Deductible 90 1 Stone Siding yes
2003 215,000 Shingles Roof 2,230 3 $1000-$2500 Deductible 1090 8 Fiber-Cement Siding yes
2011 555,000 Metal Roof 4,740 5 $5000 to $10,000 Deductible 690 3 Wood siding No
1988 180,000 Wood Shake Roof 1,790 5 $5000 to $10,000 Deductible 840 12 Wood siding No

Latest Home Insurance Reviews

Progressive
Because of my experience with the claims processed as detailed in question 1, I would definitely recommend Progressive for home insurance
Progressive
The deductible was competitive. We didn't get teh lowest deductible, but we were willing to go with a company that was respected and trusted over one that had low deductibles
Allstate
My premium and deductible for the policy that I hold are very affordable and very reasonable. I believe that other insurance companies would have a difficult time offering the same premium.
Allstate
I was able to save a little bit due to the fact I have car insurance with Allstate. I did shop around and the prices were close , but I decided to stick with Allstate since I already had history with the company .
Nationwide
I love Nationwide, I think it's very easy to recommend to anyone. I have never had to make a homeowner's insurance claim with Nationwide, but I do have auto insurance through Nationwide.
Geico
I love gieco. I have the home and car bundle. So i save a little money. They are great at answering questions and helping when needed. I have not had any problems with my home but i have my car.
Nationwide
I've had a great experience with nationwide. They are the only insurance company that i've ever had.
Nationwide
I am leaving a 3 because I have only had experience with Nationwide, but based on what other people have told me, I think that I am in good hands.
State Farm
i am not sure of other insurance policies. my policy covers the home plus a flat rate to replace any of my bolongings that are damaged.
Safeco Insurance
THEY OFFER MINIMUM INTERST RATE AND ALSO THEY PROVIDED HIGH DURATION TO PAY THE INTERST.THEY PROVIDE EASY CLAIM PROCESS AND DISCONTS
State Farm
The policy offers all the coverage that I need, especially covering things like snow and ice storms. That was most important to me.
State Farm
I would give them a 5 as they have been very good at processing claim quickly and their customer service are helpful when you call.
State Farm
The premium and deductible of State Farm Home insurance have several options. These options give the customers the choice that they can make based on the tradeoff and their expectations.
Alfa Insurance
We can always talk to a representative at any time whenever we need help or need to talk to a representative.
State Farm
The state farm insurance company is the high cost when your second buy the insurance, the agent would tell you why it is up to the cost, i think it is fake.
Nationwide
The only thing negative that i can say about nationwide is that they need more plan options availability. they need more to choose from.
Progressive
Progressive has competitive rates and offers good coverage for the money. They have always been professional and polite. They process claims quickly (auto claims) and keep us informed about the process of submitting a claim or changing our policy.
State Farm
I like that they have a functioning website that I can quickly grab policy information, cards, make changes, etc. They break down the information well and I’ve never had any huge issue with them. I also like to pay quarterly and they allow that.
State Farm
They used to have good rates and good service. The place is very accessible if I want to make changes to my policy or have a question.
Allstate
THEIR SERVICES ARE GOOD. THE OFFICE IS NEARBY AND THE AGENTS ARE HELPFUL THE WEBSITE IS WELL DESIGNED AND VERY EASY TO USE
Liberty Mutual
This goes in with customer service, but I have never missed a communication with my company. They always call back, I receive timely notices of when my bills are due, and I do get offers in the email, but never to the point where I feel like they are spamming me.
Allstate
Nobody likes to pay a premium but I feel that what I pay is fair for the coverage that I have. I have shopped around and found that this is a little better than the competition.
State Farm
i would recommend state farm as one company to get a quote from, they may or not have the best price but, they have good service.
Progressive
I would recommend this company because it seems to be a good company overall. There are no real issues that I have with the company.I would recommend this company with no problem.
Allstate
i recommend this company because it has more attractive policies

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