How much is homeowners insurance in Pasadena,TX

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In Pasadena, homeowners pay an average annual rate of $6,458 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $3,954 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Pasadena depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Pasadena, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Pasadena.

Key takeaways

The average cost of homeowners insurance in Pasadena is $6,458 per year.
State Farm is the cheapest homeowners insurance company in Pasadena with an average annual premium of $4,331.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,506 more a year for home insurance.

How much is homeowners insurance in Pasadena per month

According to Insure.com’s rate analysis, residents of Pasadena pay an average of $538 per month for homeowners insurance. This is $218 more than the state average of $320 and $329 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Pasadena can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Pasadena

In Pasadena, TX, homeowners pay an average of $4,952 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Pasadena

Based on a rate analysis conducted by Insure.com, Pasadena residents pay an average of $6,458 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $1,506 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Pasadena by company

Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in Pasadena. It’s average annual rate for Pasadena homeowners is $4,331. Farmers ranks second and Progressive makes it to the third spot with an average annual home insurance rate of $7,697.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Pasadena and prepared a list of the cheapest home insurance providers. You can find below the Pasadena home insurance companies and their average annual premium.

Home insurance company	Annual rate
State Farm	$4,331
Farmers	$5,390
Progressive	$7,697
Nationwide	$8,562
USAA*	$6,889

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Pasadena for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.