Homeowners Insurance in Bellaire, TX

Experts detail the best home insurance companies near you, which coverages you need, and more in in Bellaire, TX.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Home exterior with manicured lawn at twilight. Homeowners Insurance in Bellaire, Texas.

Bellaire, Texas has 18,971 residents. If you own a property here, it's probably your biggest asset. The proper protection can be found through a custom homeowners insurance policy.

Fortunately, a Bellaire, Texas independent insurance agent will have access to several carriers so that you can get coverage within your budget. They do the work on your behalf at no cost, making it super-easy. Get connected with a local agent for instant savings on home coverage.

What Is Homeowners Insurance?

You'll need the right coverage to get you through some of the toughest losses when insuring your home. The potential for a claim to strike your property at some point in your lifetime is pretty high. A Bellaire, Texas homeowners insurance policy will help pay for your liability exposure, property damage, and more. While state law doesn't legally require coverage, your mortgage lender will mandate a policy to their liking. 

What Does Homeowners Insurance Cover in Bellaire, Texas?

Your Bellaire, Texas insurance will have several policy options for your home. Among these are automatically included primary limits of protection. The majority of homeowners policies have the following coverages:

  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.
  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Personal liability: Pays for claims of bodily injury, property damage, or slander against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Medical payments: Pays for the first $1,000 to $10,000 of a medical expense when a third party gets injured on your property.

There are some claims your home policy won't cover. Your primary homeowners insurance doesn't pay for a flood loss. Instead, you'll need to have obtained a separate flood insurance policy to avoid a significant out-of-pocket expense.

Common Disasters Homeowners Insurance Covers in Bellaire, Texas

There are numerous things that your homeowners insurance will help protect against. Some of the most common losses that are typically covered under your Bellaire, Texas home policy are listed below:

  • Fire
  • Wind
  • Hail
  • Lightning
  • Severe storms
  • Theft and vandalism

Bellaire's Weather-Related Statistics:

  • The number of natural disasters in Harris County: 32
  • Major presidentially declared disasters: 22
  • Emergencies declared: 6

Let's look at the top three causes:

  • Storms: 16 
  • Floods: 15 
  • Hurricanes: 9 

How Much Does Homeowners Insurance Cost in Bellaire, Texas?

Carriers review your personal data and outside factors to determine your homeowners insurance premiums. While you can't know exact costs without a custom quote, you can understand how your pricing is figured. Check out what the insurance companies use to rate your coverage in Bellaire, Texas:

  • Where you live
  • How many claims you've filed
  • How new your house is
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • The materials of your home
  • Your credit score
  • If you have a pool, trampoline, or pet
  • The square footage of your home
  • The cost to replace your home

Cheap Homeowners Insurance near Me

In Bellaire, Texas, everyone will have different premiums for homeowners coverage. However, the averages are as follows:

  • National average annual premium: $1,211
  • Texas average annual premium: $1,893

While you may want to save money on your home insurance, sacrificing coverage shouldn't be an option. You can lower your insurance costs by bundling your home and auto policies, having a good credit score, and installing safety measures on your property.

What Are the Best Homeowners Insurance Companies in Bellaire, Texas?

When it comes to finding the best coverage for your home, you'll need to work with the best insurance company. In Bellaire, Texas, the carriers below are well known for custom homeowners insurance protection:

Best Homeowners Insurance Companies in Bellaire, TX Star Rating
5 star rating
5 star rating
4.5/5 star rating

These companies are highly rated due to their superior claims handling and excellent customer service. You can obtain quotes from these carriers and others through your local agent.

How a Local Agent Can Help Find Homeowners Insurance in Bellaire, Texas

There are several coverage options for your insurance, and knowing what applies to you can be difficult. When you're looking for protection that makes sense, a trusted agent can help. Homeowners insurance will include a lot of your primary coverages under one roof. 

A Bellaire, Texas independent insurance agent will have access to multiple carriers so that they can find you a policy that suits your needs and your budget. They do the shopping for you at no additional cost. Connect with a local agent to get started for free.

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