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Old 02-05-2011, 12:54 PM
 
208 posts, read 552,795 times
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Does all of Pearland required windstorm and flood insurance? If so how much does each type of insurance cost on an annual basis?
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Old 02-06-2011, 07:48 AM
 
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Our homeowners is combined with windstorm. The dwelling coverage is $215000 and we pay $2000/yr.

Our flood insurance is around $500/yr.

Your insurance will depend on where the property is. Some places don't require it. Our property has just a little piece of it in a flood zone so we are low risk but still required to obtain it.

Your homeowners/windstorm will vary. Make sure you shop around for rates and you can adjust some of the numbers such as personal property and replacement costs to make your policy cheaper.
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Old 02-06-2011, 09:40 AM
 
Location: Westbury
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is the home you are looking at in pearland in a flood plane? is it a 1% or 2%? my new home purchase is in a 1% flood zone, without any prior flood history or claim, and the best insurance rate i found was $1074/yr with good credit and no previous claims in my name

i believe damage due to wind is also covered in my homeowners
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Old 08-08-2011, 01:00 PM
 
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We live in Pearland and found out that you do not have to go through the Texas Windstorm Insurance Association. We found a better rate through a different company that combines both. The only problem we ran into was most other companies required a minimum 2% deductible... but Im ok with that.
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Old 08-08-2011, 01:14 PM
 
Location: Pearland, TX
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Depends upon which part of Pearland you live.
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Old 08-08-2011, 02:10 PM
 
101 posts, read 307,555 times
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I think if you live in Fort Bend county you don't have to buy windstorm. Friends bought a new house in west SCR and did not have to get it.. I always buy flood insurance, even if not required (lived in Iowa when the 2008 flood happened - many friends got hosed because they never thought they would need flood insurance).
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Old 08-08-2011, 02:19 PM
 
Location: Houston, TX
17,029 posts, read 30,959,214 times
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Flood ins is about $400 annually.
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