Pearland Homeowners Insurance Made Easy with Fast, Reliable Quotes!
Comparison Shop Home Insurance in Pearland, TX from Multiple Carriers in Minutes
As an independent insurance agency, we don’t work for a single carrier—we work for you. When you input your address, we compare quotes from our network of top-rated insurance companies to find the best combination of coverage and price. Our goal is to make protecting your home simple, affordable, and tailored to your needs.
How Much is Home Insurance in Pearland, TX?
On average, TGS Insurance customers in Pearland pay about $2,529 per year for their homeowners insurance policy. Your actual rate may be higher or lower depending on factors like your home’s value, age, construction type, location, and coverage selections. Pearland’s mix of suburban neighborhoods, proximity to the Gulf Coast, and exposure to severe weather events—like hurricanes and heavy rains—can all influence premiums. By shopping multiple top-rated carriers, we help you find the right coverage for your home at a competitive price.
How Coverage Limits Impact Your Premium
Your homeowners insurance coverage limits determine the maximum amount your policy will pay for certain losses—and they play a big role in the cost of your premium. Higher coverage limits provide more financial protection, but they also mean your insurer is taking on more risk, which typically results in a higher premium. In Pearland, it’s important to choose limits that can fully cover the cost of rebuilding your home and replacing your belongings after a major loss, without paying for more coverage than you truly need. At TGS Insurance, we help you strike the right balance between protection and affordability.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$200,000 - $300,000 $2,061
$300,000 - $400,000 $2,581
$400,000 - $500,000 $3,106
$500,000 - $600,000 $3,722
What Does Pearland Home Insurance Cover?
A standard homeowners insurance policy in Pearland typically includes:
- Dwelling Coverage – Protects the structure of your home from covered risks such as fire, theft, vandalism, and certain storms.
- Personal Property Coverage – Covers belongings like furniture, clothing, and electronics if they’re damaged or stolen.
- Liability Protection – Provides financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Loss of Use Coverage – Helps cover temporary living expenses, like hotel stays or meals, if your home becomes uninhabitable due to a covered event.
Because every home and homeowner is different, TGS Insurance works with you to tailor a policy that fits your property, lifestyle, and budget.
Common Risks for Pearland Homeowners
Pearland homeowners face a variety of risks, from severe thunderstorms and hurricanes to theft and accidental damage. A standard homeowners policy generally covers common perils like fire, wind, hail, theft, and vandalism—unless specifically excluded. But some risks require extra protection.
Popular Endorsements to Consider in Pearland:
- Flood Insurance – Standard homeowners insurance does not cover flood damage. With Pearland’s proximity to the Gulf Coast and heavy rainfall during hurricane season, a separate flood policy is an essential safeguard.
- Sewer/Water Backup Coverage – Protects against costly damage caused by backed-up drains or sump pump failures.
- Extended Replacement Cost – Provides extra coverage beyond your dwelling limit to help with rebuilding costs if construction prices rise after a loss.
- Scheduled Personal Property – Offers higher coverage limits for high-value items like jewelry, fine art, or collectibles.
At TGS Insurance, we help Pearland homeowners identify the coverages and endorsements that make sense for their property, so you’re fully protected against both common and unexpected risks.
Zip Codes in Pearland We Cover:
- 77047
- 77089
- 77581
- 77584
- 77588
Don’t see your ZIP code here? No problem—if you’re in Texas, we can help you get covered!
Disclaimer
Every home is unique. Insurance premium costs are impacted by several factors; therefore, we recommend obtaining an individualized quote to find your rates.
Our data is representative of quality, publicly sourced, and internal data, but should not be deciphered as bindable.
