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2024

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Best Homeowners Insurance Agencies in Pearland, TX

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Pearland Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

66Reviewed

41Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4901 Broadway Street, Pearland, TX 77581

Expertise.com Rating

Review Sources

Google
4.5 (42)
Yelp
5.0 (1)

Why choose this provider?

Insurance Plus Agencies, LLC is an insurance company with an office in Pearland. The insurance advisors assist clients in multiple areas such as homeowners' insurance. They compare home insurance coverages from different carriers with an aim to meet clients' unique needs. Home insurance plans cover property damage resulting from most disasters with a few exceptions including floods and earthquakes. Insurance Plus Agencies, LLC has been in service since 1996. Its team also offers flood insurance and renters' insurance.

  • Fire
  • Multiple Policy Types

11200 Broadway Street, Pearland, TX 77584

Expertise.com Rating

Review Sources

Google
5.0 (89)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Actsphere Insurance Group is a full-service insurance agency located in Pearland. It offers coverage for homeowners against expenses like structural damage repairs and medical fees for injuries. Its agents discuss risks and related concerns clients may have, such as the threat of floods and fire. They then search through a catalog of plans to find the best fit for a client's house, location, and budget. The company works with many compensation groups such as Hippo Insurance, Metlife, and Texas Fair Plan.

  • Renter's Insurance
  • Fire

2206 East Broadway, Pearland, TX 77581

Expertise.com Rating

Review Sources

Google
4.8 (8)

Why choose this provider?

Rick Tinker Insurance provides its clients with home insurance products, as well as a variety of other personal and commercial lines. It's been serving clients in Pearland and throughout its surrounding areas for more than 30 years, helping new clients purchase policies from top carriers, and helping current policyholders to navigate the claims process and make changes to their policies when needed. Carriers this agency works with include Farmers and Mercury Insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

3602 Vista Rd Suite B, Pasadena, TX 77504

Expertise.com Rating

Review Sources

Google
4.9 (27)
Facebook
5.0 (7)

Why choose this provider?

Tom Clay State Farm Insurance Agent is available five days a week to help clients with insurance claims, policy changes, and new home insurance policies. Its team of agents consults directly with clients to determine the types of insurance they need most, as well as the amount of coverage they should purchase. On top of home insurance, it also sells auto, life, and business policies. Agent Tom Clay is licensed to sell insurance throughout Texas.

  • Personal Property Insurance
  • Multiple Policy Types

11711 Shadow Creek Parkway, Pearland, TX 77584

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (2)

Why choose this provider?

LeBlanc Insurance Agency provides insurance options to residents and business property owners in Pearland and the neighboring areas. The homeowners' insurance policy covers windstorm damage, replacement cost, loss of use or additional living expenses, identity theft, and personal injury. The policy also covers personal liability and building ordinance coverage. Clients can opt to package their homeowners' insurance policy with an auto insurance policy. Established in 2005, the company has over 25 years of collective staff experience.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Insurance Plus Agencies, LLC
4901 Broadway Street, Pearland, TX 77581
Actsphere Insurance Group
11200 Broadway Street, Pearland, TX 77584
Rick Tinker Insurance
2206 East Broadway, Pearland, TX 77581
Tom Clay - State Farm Insurance Agent
3602 Vista Rd Suite B, Pasadena, TX 77504
LeBlanc Insurance Agency
11711 Shadow Creek Parkway, Pearland, TX 77584

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the typical homeowners' insurance cost in Pearland?

    In Pearland, the quote for homeowners' insurance typically stands at $2,026. However, multiple factors dictate this rate. Primarily, the extent of coverage and specific insured sections of the residence significantly influence the cost. Insured areas nearer the center of the home often warrant higher premiums. The safety profile of one's locale is pivotal, with safer environments yielding reduced rates. Additionally, a residence's claims history can influence the final quote.

  • What should homeowners in Pearland know about the Personal Property Floater coverage?

    Homeowners in Pearland should be aware that a standard homeowners' insurance policy often delivers restricted coverage for specific valuables, such as jewelry and collectibles. For enhanced protection, they can consider the Personal Property Floater. This specialized insurance add-on meticulously itemizes and describes each insured item, clarifying excluded perils. It promises a broader spectrum of coverage than a typical homeowners insurance policy. Residents should assess their risk profile in this domain to ensure optimum protection for their prized possessions.

  • Why is it beneficial to consult an independent agent in Pearland instead of obtaining an online quote for homeowners' insurance?

    Consulting an independent insurance agent in Pearland for homeowners' insurance is pivotal for tailor-made protection. Instead of quick online estimates that might miss crucial safeguards, an independent agent sifts through multiple providers to identify the exact shield required. It's essential to understand that insurance companies vary in their protection offerings, making a personalized approach imperative for comprehensive coverage.

  • What is the most common threat faced by insurance carriers in Pearland?

    Wind and hail are predominant threats in Pearland, frequently addressed by top-rated insurance carriers. Damage isn't exclusive to hurricanes; even severe thunderstorms can produce tornadoes, hail, and strong gusts exceeding 50 mph. While standard home insurance might fall short, windstorm insurance fills the coverage gap. To prevent hefty repair expenses and amplify savings, homeowners should consider bundling these policies for comprehensive protection.

  • What steps Pearland homeowners should take after a winter storm for insurance claims?

    After a Texas winter storm, homeowners should promptly report broken pipes, fallen tree limbs, or other winter impacts to their insurance company. They must protect the home from further harm, review their policy, and be aware of notification deadlines. Claims can often be filed online, by phone, or in writing. Documenting damage through photos, listing damaged or lost items, retaining repair and living expense receipts, and providing these to the insurer are all essential steps in the claims process.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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