Pearland has 127,514 residents in 44,410 households. We list 23 agencies for accident & health insurance in Pearland. Here is what the local numbers say about the cover people here need.

Pearland at a glance

23accident & health insurance agencies listed
23.8%of households rentRenters insurance
$356,300median home valueHome insurance
2003median year homes were builtRebuild cost calculator
2.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Brazoria County

FEMA rates the overall natural hazard risk in Brazoria County, where most Pearland agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Pearland
HurricaneRelatively High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Pearland
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Pearland
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Texas
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Pearland How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Pearland agencies work with

Of the 23 Pearland agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna15 agencies
UnitedHealthcare14 agencies
Blue Cross Blue Shield10 agencies
Medicare Advantage10 agencies
Centene8 agencies
Humana6 agencies
Memorial Hermann Health Plan,5 agencies
BANNER LIFE INSURANCE COMPANY4 agencies
Community Health Choice,4 agencies
Medco Containment Life Insurance Company4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Pearland agencies are

Pearland agencies we list sit in 3 ZIP codes, mostly in Brazoria County.

7758413 agencies
775818 agencies
775882 agencies

Questions

Accident & Health insurance in Pearland

All insurance agencies in Pearland · Accident & Health insurance across Texas

Where can I find accident & health insurance in Pearland?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Pearland agencies work with?

Among the 23 Pearland agencies whose appointments we hold, the companies they are most often appointed with are Aetna (15), UnitedHealthcare (14), Blue Cross Blue Shield (10), Medicare Advantage (10), Centene (8). An appointed agency can quote that company's policies.

Do I need flood insurance in Pearland?

FEMA's National Risk Index rates inland flooding risk in Brazoria County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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