Pasadena, TX Homeowners Insurance

Pasadena’s green landscape is a reminder of the early settlers of a similar city in California, from which the town took its name. The community became a major producer of strawberries after Clara Barton of the American Red Cross donated 1.5 million plants to the area farms damaged by the 1900 Galveston hurricane. Later, shipping and industry replaced agriculture as the primary provider of the local economy. Home to more than 153,000 residents, the rate of homeownership in Pasadena is 52.9%—lower than the national average of 63.9%.

If you have a home or are looking to buy a home in Pasadena, don’t forget about homeowners insurance, which is an essential part of owning a home. Along with your personal belongings, homeowners insurance covers your home against many hazards, including damages from wind, fire, and vandalism. 

The cost of insurance coverage for homeowners depends on many factors, including the home’s value, the value of your items, and the materials used to build the house. Your property location may also have an impact on how much you pay, as Pasadena is prone to dangerous hazards. If your neighborhood is at risk of hail, strong winds, fire, or hurricane activity, your premiums could be substantially higher than the average. 

How Much Does Homeowners Insurance Cost in Pasadena, TX?

Homeowners Insurance: Pasadena Rates Vs. State + National Averages

Pasadena Average (annual)Texas AverageUnited States Average
$1,177$3,468$1,548

Pasadena, TX Home Insurance Price by Insurance Company

The policy premiums for homeowners in Pasadena depend on the insurance provider. Texas Farmers, the most affordable home insurance company in Pasadena, provides an estimated premium rate of $240 a year. This is significantly cheaper than the city’s average homeowners insurance premium of $1,177.

Below are the cheapest homeowners insurance providers in Pasadena, Texas.

Affordable Homeowners Insurance Companies in Pasadena, TX

CompanyAverage Annual Rate
Texas Farmers$240
ASI Lloyds$1,114
Safeco$1,128
State Farm$1,174
United$1,187

Pasadena, TX Homeowners Insurance Rates by Coverage Amount

The amount of home insurance coverage you want affects your insurance premiums. In Pasadena, carrying $100K of housing coverage costs an average of $930, while carrying up to $400K of extra coverage costs $3,444/year.

Homeowners Insurance Rates in Pasadena—Popular Coverage Limits
Coverage LevelAverage Annual Rate
$100,000 Dwelling$930
$200,000 Dwelling$1,839
$250,000 Dwelling$2,217
$400,000 Dwelling$3,444

Pasadena Home Insurance Rates by ZIP Code

Homeowners insurance premiums are also calculated based on where in Pasadena you live. Policies are priced on geographic factors, such as the number of lawsuits made in the surrounding area and the natural disaster risks the district usually encounters.

If you’re in search of the most competitive homeowners insurance rates in Pasadena, check out the 77059 ZIP code (Bay Oaks), which typically costs just $1,000 a year on average.

AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN PASADENA
ZIP CodeAverage Annual Home Insurance Rate
77059 (Bay Oaks)$1,000
77503 (Ft. Bend)$1,004
77502 (Downtown)$1,018

However, some parts in Pasadena have homeowners insurance costs that are double that of the city average. Such areas may be more vulnerable to threats such as burglary, adverse weather, or fires that pose higher risks to insurance providers. One of the most expensive ZIP codes for homeowners coverage in Pasadena is 77058 (Nassau Bay), with an estimated annual cost of $1,072

Expensive Areas for Homeowners Insurance in Pasadena

ZIP CodeAverage Annual Home Insurance Rate
77058 (Nassau Bay)$1,072
77505 (River Oaks)$1,037
77586 (El Lago)$1,036

Pasadena, TX Home Insurance Cost by Deductible Amount

One of the decisions you need to make when purchasing a homeowners insurance policy is the deductible amount. A homeowners insurance deductible is the sum you have to spend out-of-pocket as your participation fee when claiming a loss. Choosing the deductible amount impacts how much your homeowners insurance premium will be.

When you consider your deductible, the rule of thumb is that the lower the deductible amount, the higher the premium. As such, if you want cheaper insurance premiums, you can choose a higher deductible. However, note that the deductible amount should be something you can afford in case of an insured loss.

Below are some of the typical deductible amounts provided by most home insurance companies in Pasadena and corresponding average premium rates.

Homeowners Insurance Premiums by Deductible Amount in Pasadena

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$2,275
$1,000$2,071
$1,500$1,976
$2,000$1,730
$5,000$1,369

Top Home Insurance Agents Near Pasadena, TX

Home Insurance Company Near Pasadena, TXAddress
Farmers Insurance: Sophia Diaz3327 Red Bluff Rd # A, Pasadena, TX 77503
Southern Group Insurance Agency2610 Pasadena Blvd, Pasadena, TX 77502
Scott Loomis – State Farm Insurance Agent4439 Spencer Hwy, Pasadena, TX 77504
Ken Phelps – State Farm Insurance Agent4207 Fairmont Pkwy, Pasadena, TX 77504
Judy Ramsey – State Farm Insurance Agent6301 Fairmont Pkwy, Pasadena, TX 77505

Want to Save on Home Insurance Premiums in Pasadena? Try Bundling.

One way to save on insurance premiums is to bundle your homeowners insurance and car insurance coverage within the same provider. Bundling policies in Pasadena contribute to an average annual savings of 8%.

Cheapest Home Insurance and Auto Insurance Bundle in Pasadena

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,100
USAA$1,160
Progressive$1,664
Allstate$1,790
GEICO$2,682

Pasadena, TX Home Insurance Coverage Options

Buying homeowners insurance doesn’t have to be complicated and frustrating. Here are some details on the type of insurance coverages available and what they are for:

  • Dwelling Coverage: This is your standard insurance policy covering losses and damages to your property’s physical structure.
  • Personal Property Coverage: You may want personal property coverage for your possessions, whether inside or outside your home.
  • Liability Protection: Liability protection covers you if you hurt someone or damage another person’s property.
  • Guest Medical Protection: This coverage is specifically to cover people who are injured on your property.

Pasadena, TX Best Home Insurance Companies

Price is always a factor to consider when you’re shopping for homeowners insurance. The insurer’s financial stability is also a critical consideration because it demonstrates its potential to handle claims. Always review the AM Best Financial Rating and Better Business Bureau for home insurance.

CompanyA.M. Best RatingBBB RatingJ.D. Power Ranking
All StateA+ (Superior)A+5 out of 5 stars
AmicaA++ (Superior)B-5 out of 5 stars*
Liberty MutualNot ratedA3 out of 5 stars
State FarmA++ (Superior)A++3 out of 5 stars
Texas Farm Bureau InsuranceA+ (Superior)A3 out of 5 stars

Pasadena, TX Homeowners Insurance Resources for Residents

Get Pasadena homeowners insurance now!​

Get Cheapest Insurance Quote

Pasadena, TX Homeowners Insurance FAQs

The golden rule of a voluntary deductible is to make sure that you know what you can afford to pay if you have to make a claim. The more you agree to pay for a claim, the lower your premium cost will be.

Beware though that setting an unreasonably high voluntary deductible may save you a few pounds on your premium in the short term, but if you ever need to make a claim, you might find yourself paying a large bill before your insurer pays.

Well, potentially, yes. For example, if you tell your home insurer that your roof is in good condition, your premium will be based on the known risk of storm damage occurring on the average roof. But if, in reality, your guttering is already falling or your tiles are loose, then there will be a greater than average damage during a storm—something that your insurer has not covered on your original premium.

You need to inform your insurer of any changes to your home or content that may impact your coverage. The critical point to remember is that your contract with your insurer is based on the mutual disclosure of information–they charge you a fair premium based on the risks you’ve made them aware of. If these risks change, the value of the “fair” premium will also change.

Most home insurance policies do not cover the standard damage caused by pets.

As the owner, your landlord will be responsible for maintaining the home, so it is up to them to ensure that their property is protected by home insurance. But you’re responsible for any content you own inside. If an accident had anything to do with your possessions, you would be liable for the cost of replacing them if you had no content insurance.

Get Cheapest Insurance Quote

Call an Agent

Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.