Pasadena, TX Homeowners Insurance Rate Quotes!

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If you are in need of lower rates for homes in the Pasadena area, then we have competitive rates available for all homeowners living nearby. We can compare up to 12 affordable Pasadena, TX rates and enhanced coverage options including coverage for fire, lightning, high winds, theft and falling objects like trees and power lines. A standard Pasadena, TX homeowners policy can certainly help protect your home, but you will need an additional coverage for flooding or even wind and hail damage depending on the location of your home. Our job at GetHomeInsuranceQuotes.com is to help you get the quotes you need all from one place. Our hassle free online home insurance quoting process will allow you to quickly see which companies have the best Pasadena home insurance rates available for your home. You can start by entering the zip code of your property address or you can give us a call now at 1-866-502-7287.

Average Pasadena Home Insurance Rates Review

In Pasadena, the average population size is around 149,043. There are over 54,779 occupied residents living within the Pasadena city limits. For home affordability, the average home value per zip code in Pasadena is around $122,933. The average homeowners insurance premium for a basic HO-3 policy is currently estimated around $1,501 per year, while the national average is at $1,311. You can get rates as low as $1,251 per year depending on the age of your home, the heated square footage and available discounts. If your homeowners insurance premium in Pasadena has increased due to claims history, construction type or coverage limits and your current rate is above the state average of $2,000, then you may want to shop your policy to see if we can provide more affodable rates. Let us help you evaluate your coverage options and get the lowest premium possible with the best coverage protection.

Compare Homeowners Insurance Rates in Pasadena, TX!

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Get up to 12 competitive Pasadena, TX homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Pasadena, TX rates all in one place!

About Our Service in Texas

We are providing the most competitive homeowners insurance rates in Texas. Our quoting process is very quick and easy to use when you want to compare over 16 competitive rates all in one place. Our office is located in the heart of Austin, Texas and we are ready to help you compare the most affordable home insurance options and discounts with the most enhanced coverage options. Our rates will be generated from companies like: American Risk Insurance, Bankers Insurance Group, Centauri, Cypress Texas Insurance, Encompass Insurance, GeoVera Specialty, Gulfstream Property & Casualty, Home Owners of America, Lighthouse Property Insurance, Mission Select, TWICO, Universal North America (UIHNA), United property and casualty, Wellington, American Modern, Safeco and many more. Let us help you shop the lowest Texas rates available, start your quote online now or give us a call at 877-480-7274. We look forward to working with you!

Average Rates Nearby Pasadena

Are you looking for homeowners insurance in a city near Pasadena? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Pasadena, TX

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Pasadena.

77502,     77503,     77504,     77505,     77506,     

Pasadena, TX Home Insurance Average Premiums

Local Pasadena, TX home insurance quotes comparison

$1251 /yr.

Shows Pasadena's lowest average rates with discounts applied.

For the city of Pasadena, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1251 /yr.
Average Coverage:$1501 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1801 /yr.

What is the average home insurance cost for a home in Pasadena, TX?

  • • The average homeowners insurance premium paid annually for a home in Pasadena is around $1501 per year.

What does it cost on average per month for home insurance in Pasadena, TX?

  • • Homeowners in Pasadena pay an average cost per month around $125.00 for insurance coverage.

Pasadena, TX Coastal Wind, Hail & Flood Information

Pasadena is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Pasadena is know for it's beautiful beaches and waterways. Because Harris County (FIPS: 48201) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Pasadena, TX.

Coastal Texas Information: What does a Texas Wind and Hail Policy Cover? or Coastal Texas Home Insurance Rates

Pasadena, TX - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $217,472 $199,181
February $216,274 $203,042
March $215,507 $207,600
April $215,338 $211,168

Homeowners insurance will help cover the cost to repair or replace your Pasadena home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Pasadena
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Pasadena, TX homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Pasadena, TX rates all in one place!

Saving Money Tips on Pasadena Home Insurance

A great way to save money on Pasadena homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Pasadena area? Check out what homeowners are paying on average for Texas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
29 ft. This is the average home elevation in Pasadena, TX

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Pasadena, Texas.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Pasadena, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Harris County.

Texas Homeowners Insurance News & Information

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • 9% Predicted Jump in Home Insurance Rates in 2023  Posted on Tuesday 25th April, 2023

    According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]

Pasadena, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Pasadena so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Pasadena, TX?

- The average square footage in Pasadena is around 953 Sq. Ft. which would cost you around $122,933 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $122,933

Location: Pasadena, Texas (Harris County)

Average Building Cost Per Square Foot in Pasadena: $129 (low end)

Average Square Footage in Pasadena: 953 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$129$122,933
Some Additional Upgrades$161$153,667
Major Home Updates or Advancements$194$184,400

The dwelling coverage is calculated by the average cost per square foot ($129) in Pasadena, Texas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $403,125 (Media price to build of $161 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.