Pearland has 127,514 residents in 44,410 households. We list 22 agencies for umbrella insurance in Pearland. Here is what the local numbers say about the cover people here need.

Pearland at a glance

22umbrella 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.

Insurance companies Pearland agencies work with

Of the 22 Pearland agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

GEICO14 agencies
Progressive11 agencies
Markel10 agencies
Foremost8 agencies
Liberty Mutual8 agencies
Liberty Mutual (Safeco)8 agencies
American Modern7 agencies
National General7 agencies
Travelers7 agencies
Travelers (Standard Fire)7 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 2 ZIP codes, mostly in Brazoria County.

7758415 agencies
775817 agencies

Questions

Umbrella insurance in Pearland

All insurance agencies in Pearland · Umbrella insurance across Texas

Where can I find umbrella 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 umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Pearland agencies work with?

Among the 22 Pearland agencies whose appointments we hold, the companies they are most often appointed with are GEICO (14), Progressive (11), Markel (10), Foremost (8), Liberty Mutual (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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