Insurance By Heroes
4301 Mountain Road, #35, Pasadena, MD 21123
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4301 Mountain Road, #35, Pasadena, MD 21123
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Pasadena residents.
Pasadena, TX homeowners pay $6,458+ yearly for insurance due to hurricane risk. Learn about required windstorm coverage, flood insurance, and TWIA.
Even if you're not in a high-risk FEMA flood zone, flood insurance is worth considering in Pasadena. Hurricane Harvey flooded over 4,600 homes here, including many outside designated flood zones. Standard homeowners insurance doesn't cover flood damage, and policies through the National Flood Insurance Program are actually cheaper outside high-risk zones—often under $500 per year.
Texas faces a combination of severe weather risks—hurricanes, hail, tornadoes, and flooding—that lead to frequent and costly claims. In 2025, the average Texas home insurance policy cost $4,585, which is 117% higher than the national average. Rising construction costs, increasing claim frequency, and some insurers leaving the market have all contributed to premium increases of nearly 19% in 2024 alone.
Texas requires all drivers to carry liability coverage of at least 30/60/25: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. However, these minimums may not be enough if you're in a serious accident, especially with rising medical and repair costs. Many Pasadena drivers opt for higher limits and add uninsured motorist coverage given Texas's high rate of uninsured drivers.
While insurers don't typically charge extra premiums solely for proximity to the petrochemical plants along the Houston Ship Channel, it's a factor worth discussing with your agent. The more significant insurance considerations in Pasadena are flood risk from Trinity Bay and the Ship Channel itself, as well as hurricane exposure. A local agent familiar with the area can help you assess whether you need any specialized coverage.
Yes, bundling policies with the same insurer typically saves 15-25% on your total premiums. Given that Texas has some of the highest auto and home insurance costs in the nation, bundling can result in significant savings. Local Pasadena agents can help you compare bundled rates across multiple carriers to find the best deal for your specific situation.
TWIA (Texas Windstorm Insurance Association) provides windstorm and hail coverage in coastal areas where private insurers won't offer it. If you live in a designated catastrophe area near the coast, you may need separate windstorm coverage through TWIA, which averages about $2,480 annually for residential policies. Your insurance agent can tell you if your Pasadena property is in a TWIA-eligible zone and whether you need this coverage.
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