Bellaire has 17,206 residents in 6,082 households. We list 10 agencies for home insurance in Bellaire. Here is what the local numbers say about the cover people here need.

Bellaire at a glance

10home insurance agencies listed
12.1%of households rentRenters insurance
$1,037,500median home valueHome insurance
1996median year homes were builtRebuild cost calculator
2.5%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 Harris County

FEMA rates the overall natural hazard risk in Harris County, where most Bellaire agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery 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 Bellaire
Inland floodingVery 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
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Bellaire
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Bellaire
Ice stormVery High

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

Insurance companies Bellaire agencies work with

Of the 10 Bellaire agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Agricultural Workers Mutual Auto Insurance Company7 agencies
GEICO6 agencies
Foremost5 agencies
Homeowners of America5 agencies
Incline5 agencies
Porch5 agencies
Aetna3 agencies
Blue Cross Blue Shield3 agencies
Brighthouse Life Insurance Company3 agencies
Chubb (ACE)3 agencies

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

Where Bellaire agencies are

Bellaire agencies we list sit in 2 ZIP codes, mostly in Harris County.

774018 agencies
774022 agencies

Questions

Home insurance in Bellaire

All insurance agencies in Bellaire · Home insurance across Texas

Where can I find home insurance in Bellaire?

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 home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Bellaire agencies work with?

Among the 10 Bellaire agencies whose appointments we hold, the companies they are most often appointed with are Agricultural Workers Mutual Auto Insurance Company (7), GEICO (6), Foremost (5), Homeowners of America (5), Incline (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Bellaire?

FEMA's National Risk Index rates inland flooding risk in Harris County as Very 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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