Whether you are an engineer at the Lyndon B. Johnson Space Center in nearby Clear Lake or a regular at Gilley's, you take pride in your hometown - even if ne'er-do-wells from time to time call it "Stinkadena" in reference to the nearby sewage treatment facility. But pride can only get you so far. As local residents learned way back during the Galveston Hurricane of 1900, Mother Nature can prove implacable, so it's best to be prepared. To hedge against the dangers of living in Urban Cowboy country, you need Pasadena, TX insurance options. By mitigating against risks from inclement weather, auto theft, health problems and the like with tailored insurance policies, you can more comfortably go about your business -- whether that means serving as a docent at the Pasadena Historical Museum or shipping goods vis----vis the Houston Ship Channel. To that end, you need straight talk about Pasadena, TX insurance quotes. Let's delve into one key topic: homeowners insurance.
Home on the Range with Pasadena, TX Insurance Options for Strawberry Growers and Others
As longtime residents of "Pasa-get-down-dena" will tell you, local homeowners premiums can be sky high. In 2007, according to statistics compiled by the National Association of Insurance Commissioners (NAIC), the average HO-3 homeowner policy in Texas cost $1,448. This ranked Texas as the second highest state in the union for homeowners insurance - by comparison, the average United States HO-3 package policy cost $822. Renting in town is no picnic, either. The average renter paid $226 in 2007 - ranking Texas as the fourth most expensive state for renters insurance. By comparison, the average renter in the US paid $182.
What makes Pasadena insurance for homeowners and renters so expensive? Part of it is the weather. Remember the Galveston Hurricane of 1900 that we just spoke about? Although it didn't hit the area directly - it in fact drove a population surge from Galveston to Pasadena - it forever altered the demographic structure of Texas. It also indirectly transformed Pasadena into the "Strawberry Capital of the World" because, in the wake of the great flood, the American Red Cross sent 1.5 million strawberry plants our way to help feed the starving population.
Of course, homeowners need not only be concerned with crazy weather events like hurricanes, floods, and natural disasters. Manmade problems can be just as devastating. Ask Mickey Gilley, owner of the honky-tonk bar featured in the John Travolta movie Urban Cowboy. In 1989, an arsonist burned down this treasured town relic. All this is to say that, while HO-3 homeowner packages may be expensive, you should still source Pasadena insurance quotes to cover yourself against catastrophes. Also, please note that the Texas Department of Insurance has non-standard forms for home insurance policies. So read over any paperwork carefully and discuss concerns with your insurance agent.
Homing in on Better Premiums
To save on homeowners insurance, look for group coverage if you can find it, review your policy annually to reassess your coverage needs, opt for a higher deductible policy to take on more risk (and thus qualify for lower premiums), and disaster-proof your home by installing weather proofing, a burglar alarm, a sprinkler system, and smoke alarms. Doing small things like buying your auto and home policies from the same company and excluding certain kinds of coverage can also make a difference for your Pasadena, TX insurance rates.
Get Down with Pasadena, TX Insurance Quotes by Shopping Around
Pasa-get-down-dena-ites can use the reliable, simple service here at NetQuote to source an array of Pasadena, TX insurance quotes immediately. Instead of having to fill out a different questionnaire for each insurer, you fill out one form and get 5+ quotes to compare and contrast. Considering that a single questionnaire can run up to 115 questions or more, this feature alone will save you a fantastic amount of time.
NetQuote works with a pool of 100+ insurers, and you can use the data you get to refine your search. Whether you need homeowners insurance to protect your condo a stone's throw from Gilley's, auto insurance for the car that you drive to work on State Highway 225, or business, medical, or other kind of coverage, let NetQuote help you get down with better quotes.