Home Insurance in Pearland, TX

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There’s No Place Like Pearland

Pearland, Texas, is a principal city in Greater Houston. Situated between the South and Gulf Freeways, it is home to over 130,000 residents, many of whom have moved there within the past two decades. Careers in the Texas Medical Center, nearby oil and gas refineries and NASA have led many people to this south-southeastern city. Named for the fruit trees originally abundant in the area, Pearland is now known as a great place to buy new homes, especially along the State Highway 288 corridor. With quick access to Beltway 8, the middle loop of Greater Houston’s three loops, Pearland is a great home base option for those who prioritize mobility.

According to the U.S. Census Bureau’s 2019 estimates, there were over 41,000 households in Pearland, with the average owner-occupied home value being approximately $245,000. While the living might be comparatively easy, the need for homeowner’s insurance in Pearland, TX, is apparent. Most residents cannot replace their homes with cash in the event of destruction from a tornado or a major hurricane from the Gulf of Mexico. Additionally, lenders require those who have financed their purchases to carry this insurance for the life of the mortgage. Pearlanders understand that responsible ownership is not only about upkeep and security but also adequate insurance protection.

To Protect and To Cover

Homeowner’s insurance is a type of property insurance that offers the following coverages:

  • Damages and losses to your house or residence, including its exterior, interior, and your belongings therein
  • Liability against injuries experienced by others while on the premises of your residence and property

Having homeowner’s insurance in Pearland, TX, helps protect you from the financial burden of having to pay out of pocket to repair or replace your home, to restore stolen or destroyed assets or to cover the medical bills of someone injured on your property. Mortgage lenders require you to carry a property insurance policy to protect their financial interests should you experience covered damages or losses while repaying your loan. Therefore, such an insurance policy can be viewed as protection of your home.

Your homeowner’s insurance in Pearland, TX, should include a liability limit, a dollar value for which your property is covered if you must make a claim. A typical limit for this policy may be $100,000, but with average home values being almost two-and-a-half times this amount in the “Land of Pears,” it’s advisable to purchase a policy with a higher liability limit.

If you must make a claim for a covered loss, you’ll be required to pay a deductible, which is your total out-of-pocket cost. Your insurer pays for the cost of the claim less the deductible. For example, if a claims adjuster estimated that you experienced $10,000 worth of damage to your home’s interior following a hurricane, and your deductible was $1,000, the insurance company would pay $9,000 for repair or restoration. An annual or monthly premium is what you pay for your homeowner’s insurance in Pearland, TX. The higher your premium, the lower your deductible, and vice versa.

Just So We’re Clear

Your homeowner’s insurance in Pearland, TX, provides several advantages. It should not be confused with the following:

  • Home warranty: These contracts are purchased to cover repairs to major home appliances.
  • Mortgage insurance: This insurance is required by a lender when a down payment is under 20% of the home price.
  • Flood insurance: While a typical policy covers wind damage from hurricanes and tornadoes, it usually doesn’t cover the flooding that sometimes comes with inclement weather. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.