Save On Home Insurance in Pearland, TX | TGS Insurance Agency

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Pearland, TX

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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 one insurance company, we work for you! When you input your address we will search our bank of trusted carriers and find you the best policy possible. 

How Much is Home Insurance in Pearland, TX?  

The average cost of homeowners insurance in Pearland is about $2,237/year. The average TGS Insurance policy for Pearland is $1,667 which means our customers are saving an average of $570 per year. In just a few minutes, you could be saving too! Enter your address above to get started with a free, instant quote. 

How Much is Flood Insurance in Pearland, TX?  

The average cost of flood insurance in Texas is $634 per year through the National Flood Insurance Program (NFIP). On average, TGS Insurance customers in Pearland pay $473 per year- that’s a total average savings of $161 per year! The average flood insurance policy takes 30 days to go into effect and some policies won’t be written due to storms, so don’t delay and get your flood insurance policy in Pearland, Texas today.

What does Pearland Home Insurance Cover? 

Homeowners insurance in Pearland provides you with financial protection and peace of mind that your home and personal belongings will always be protected should a disaster strike. Your standard Pearland homeowners insurance policy will cover your home as well as any detached structures such as a garage, in addition to any personal items such as furniture, tech items, jewelry, and other valuables you want to be covered. Most standard homeowners insurance policies come with financial assistance should your home become unlivable, or someone injures themselves on your property. 

Additional Coverages for Your Pearland Home Insurance Policy

Homeowners in Pearland know all too well that Texas weather can be unpredictable and those perils should be covered in your homeowners insurance policy. Most standard policies will cover common perils such as explosions, fire, hailstorms, theft, vandalism, and windstorms unless your policy specifically excludes them. Contrary to popular belief, flood insurance is not covered in your standard homeowners policy therefore you’ll need to purchase a separate policy for total protection against all the elements. 

Insurance Coverage for Hail Damage in Pearland

There have been 15 severe thunderstorms in Pearland within the past 12 months with 5 of those producing severe hail. Hail can produce a significant amount of damage to your home and roof resulting in thousands of dollars in repairs. The real kicker? Sometimes hail damage isn’t included in your homeowners insurance policy as a standard covered peril. 

THE TGS DIFFERENCE: It’s our mission to ensure every customer is fully protected, which is why we automatically write in hail protection as part of your standard Pearland homeowners insurance policy with a 2% hail/windstorm deductible. You can customize this coverage to your preference- it’s insurance made easy and just for you. 

Insurance Coverage for Windstorm Damage in Pearland

Homeowners in Pearland are no strangers to windy and stormy days which is why all homeowners should consider windstorm coverage as part of their home insurance policy. Windstorm coverage protects your home should there be a tornado, hurricane, tropical storm, or other named peril in your policy. 

THE TGS DIFFERENCE: We firmly believe every homeowners insurance policy we issue should be packed with as much protection as possible and that includes windstorms. We add windstorm coverage to all of our standard Pearland homeowners insurance policies with a 2% windstorm/hail deductible and that can be customized based on how much coverage you want. 

Insurance Coverage for Flood Damage in Pearland

Hurricane Harvey was a once-in-a-lifetime event that showed every homeowner in Pearland that no home is safe from flood damage. In Pearland, flood insurance can average from $400-2,000 a year depending on the location of your home. The average TGS Insurance flood insurance policy for Pearland homeowners is $473 per year! Homeowners in Pearland, TX can easily bundle their flood insurance policy with their homeowners insurance for the most protection possible at a great rate! 

Home Insurance Carriers in Pearland, TX

Allied Trust logo
Allstate logo
American Modern logo
Amwins logo
Aon Edge logo
Appalachian Underwriters logo
ARI logo
ASI logo
Attune logo
Bankers Insurance Group logo
Bass Underwriters logo
Berkshire Hathaway GUARD logo
Branch logo
Bristol West logo
Burns & Wilcox logo
Centauri logo
Collectibles Insurance Services logo
Commonwealth logo
Elephant logo
Encompass logo
Foremost logo
FrankCrum logo
Gainsco logo
Hallmark logo
Hippo logo
Homeowners of America logo
IAT Flood logo
Infinity a Kemper Company logo
Jewelers Mutual Group logo
Kemper Auto logo
Lemonade logo
Mercury logo
Mission Select logo
National General logo
National Summit logo
Nationwide logo
Neptune Flood logo logo
Progressive logo
Roamly logo
Safeco logo
SafePoint logo
SageSure logo
State Auto logo
Swyfft logo
Texas Mutual logo
Travelers logo
USLI logo
Wellington logo

TGS Insurance is Pearland's Premier Home Insurance Provider

Pearland neighborhood

Pearland was founded in 1882 under the name of Mark Belt, because of the post office that established in 1893. The name was later changed to Pearland because of the abundance of pear trees! The city has grown to be the third-largest in the Houston MSA. TGS Insurance is proud to be one of Pearland's leading insurance providers.

Pearland neighborhood

At TGS Insurance Agency, we only work with the best insurance carriers, which is why Pearland residents can always expect a superior experience from us. Pearland homeowners all want the same thing- a great home insurance policy at a competitive rate. As an independent agency with thousands of customers, 35+ carriers and top-notch customer service, we win business from Pearland residents every day.

Key Home Statistics in Pearland


Total Population in Pearland, TX


Average Home Value in Pearland, TX


Median Household Income in Pearland, TX


Median Age in Pearland, TX

Trust TGS Insurance in Pearland

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Pearland, TX

Image of Silverlake Neighborhood


Silverlake is nestled along the South Freeway. The neighborhood has a few luxurious amenities that include a clubhouse, rec center, sports facilities and swimming pools.

Image of Southlake Neighborhood


Southlake is a 315-acre waterfront neighborhood. The community includes high-quality amenities such as an assortment of parks, playgrounds, and swimming pools.

Image of Shadow Creek Ranch Neighborhood

Shadow Creek Ranch

Shadow Creek Ranch is a 3,500-acre lake themed master-planned community dedicated to providing its residents with the best amenities. The neighborhood features multiple rec centers, a water park, playgrounds, a swimming pool and nature trail.

Image of Southern Trails Neighborhood

Southern Trails

Southern Trails can be found just along Broadway Street. Homeowners in this community have access to a clubhouse, fitness center, swimming pool, picnic areas, sparkling lakes, and hiking trails!

Image of Green Tee Terrace Neighborhood

Green Tee Terrace

Green Tee Terrace was built around one of the oldest country clubs in Houston. Homeowners in this well-established community enjoy a number of tennis courts, a swimming pool and a golf course.

Image of The Lakes at Countryplace Neighborhood

The Lakes at Countryplace

The Lakes at Countryplace is located along McHard Road and Highway 288. The community has a golf course, clubhouse, fitness center, library and swimming pool.

Local Home Resources in Pearland, TX

Fire Departments
Brookside Volunteer Fire Dept6241 Brookside Rd
Pearland, TX 77581
(281) 485-3088
City Of Pearland Fire Marshall2010 Old Alvin Rd
Pearland, TX 77581
(281) 652-1950
City-pearland Vol Fire Dept2017 Old Alvin Rd
Pearland, TX 77581
(281) 485-3098
Police Departments