Pearland Homeowners Insurance

Your Complete Guide to Pearland, TX, Homeowners Insurance

(How to find coverage through an independent agent)

The city of Pearland, Texas, is known for its figs rather than its pears. While this town had an abundance of fruit, it also has a lot of history. 

If you own a home in this golf-studded city, you'll need the right homeowners insurance policy. Find your perfect policy through an independent insurance agent at TrustedChoice.com.

What Does Homeowners Insurance Cost in Pearland, TX?

Your home insurance doesn't have to cost a fortune if you have the right agent. Each home policy will have rating factors out of your control, but an independent agent can find the most competitive pricing. Let's take a look at the home insurance premium averages:

  • National average - $1,173
  • Texas average - $1,991
  • Pearland average - $1,226

If you live in Pearland, your home rates may be higher or lower than the city average. The best way to check your exact pricing is to have your independent agent run quotes with multiple carriers. 

What the Carriers Look for When Rating Your Home Policy:

1.) The location of your home

2.) The local crime rates

3.) What your insurance score, credit score, and loss history are

4.) The replacement cost of your home

5.) Any updates on your home

Liability Insurance for Your Pearland, TX, Home

Your homeowners policy comes with liability insurance, but how do you know if your limits are enough? Liability limits run from $100,000 to $1,000,000 in coverage and most of it depends on how much you have to lose. If your home is worth $500,000 and your liability limit is only $300,000, then your largest purchase could be at risk. 

Why Umbrella Insurance Is a Good Idea:

Pearland, TX, is a robust city with over 119,140 residents, and the average home value at $251,400. How much your house is worth and all the other assets you own will shed some light on how much liability coverage you need. An umbrella policy is an additional liability limit above and beyond your underlying home and auto policies. It starts at $1,000,000 in extra liability coverage and can go up from there. 

An umbrella policy is used when your primary policy limits are exhausted. This usually occurs with a larger claim. You never know when you might need more liability, and it's an inexpensive policy to purchase normally only adding $10 to $20 more a month. Speak with your independent agent on umbrella insurance quotes. 

Burglary Frequency and Your Home Insurance in Pearland, TX

If your town is known for home burglaries, your insurance rates may be higher. The carriers look at various items when rating your home insurance, and crime is one of them. Let's see what the burglaries per 1,000 households are:

  • National average: 4.69
  • Texas average: 5.34
  • Pearland average: 2.15

In Pearland, the home break-ins are low, which means your insurance rates could be less. The carriers determine rate increases on your home in the following ways when it comes to a burglary:

Step #1 - A break-in happens at your home

Step #2 - You file a homeowners claim 

Step #3 - The insurance companies pull data on the number of property crimes filed in the area

Step#4 - All insured's in that city are surcharged a rate increase to make up for the claims filed

Disasters and Catastrophes in Pearland, TX

The right coverage for your home could mean the difference between a claim being paid or not. Your Pearland agent should know the most common natural disasters that occur in the city. That way, you can get adequate protection when the time comes. 

Common Natural Disasters in Pearland, TX:

#1 - Storms

#2 - Floods

#3 - Hurricanes

Storms and hurricanes are usually covered under your homeowners policy. However, floods are excluded and need a separate flood insurance policy. How to get flood insurance through your independent agent is below:

#1 - Contact an independent agent

#2 - Have your agent pull an elevation certificate to find your flood zone

#3 - Use your flood zone to have your agent run quotes through FEMA approved carriers

With flooding being in the top three natural disasters in Pearland, you should consider this policy. To go without flood insurance could mean thousands of dollars in damage coming out of your pocket. Find out your flood zoning and speak with your agent today.

Pearland's Top Home Insurance Claims 

Home insurance claims impact your premiums no matter where you live. The most-reported claims in your city should be accounted for, so you know how to protect yourself better.

Top Five Homeowners Insurance Claims in Texas:

1.) Wildfires and residential fires

2.) Flooding and water damage

3.) Hurricanes and tropical storms

4.) Burglary and property crimes

5.) Severe storms and lightning

Your home could suffer severe property damage and even complete destruction from these disasters. If you are a victim of a catastrophe, your insurance is the last thing you want to worry about. Protection for your largest asset is the best way to safeguard yourself from a financial disaster. 

An Independent Agent in Pearland, TX

To find the best homeowners insurance coverage, you need the best agent. An independent insurance agent can help find the most competitive pricing in town. 

They can compare your insurance rates with several carriers so you can save time. Connect with an independent agent in Pearland on TrustedChoice.com and get the coverage your home needs.

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