Pearland, TX
Rental property insurance for Pearland landlords
What Pearland landlords should know before insuring a rental. A quote is not a binder.
With an estimated 129,620 residents, Pearland has around 10,555 renter households, about 24% of occupied housing. Statewide, Texas sits at 37%, so Pearland's rental share is below the state figure.
Census snapshot: Pearland housing
| Measure | Pearland | Texas |
|---|---|---|
| Renter-occupied homes | 24% (10,555) | 37% |
| Median owner-occupied home value | $356,300 | $283,800 |
| Median gross rent | $1,860/mo | $1,403/mo |
| Median year structure built | 2003 | 1992 |
| Homes in 2–4 unit buildings | 1% | 5% |
| Single-family homes (detached or attached) | 82% | 67% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Setting coverage on a Pearland rental
Homes in Pearland carry a median value near $356,300 according to the Census, compared with $283,800 statewide. Because land is never rebuilt, many owners find their rebuild estimate differs from that figure in either direction.
If your rental is insured somewhere around Pearland's median, the closest NAIC benchmark is the $350,000–$399,999 band, where the 2023 Texas dwelling-fire average was $2,083. The all-amounts state figure was $1,226.
Fair rental value coverage for Pearland units
The Census median gross rent for Pearland, $1,860 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $22,320 per unit.
How old Pearland's housing is, and why it matters
A median build year of 2003 makes Pearland's stock newer than most. Newer rentals benefit from modern wiring and plumbing, but replacement cost on recent construction can still run high.
What Pearland landlords typically own
Pearland is mostly single-family, around 82% of units, with 2–4 unit buildings at 1%. Single-family rentals here typically go on a dwelling fire policy.
Pearland versus other large Texas communities
In Houston, 58% of occupied homes are rented and the median value is $277,800. For comparison, San Antonio comes in at 48% rented and $235,700 median value, with median rent of $1,324. For comparison, Dallas comes in at 58% rented and $320,700 median value, with median rent of $1,472. By renter share, Pearland is number 30 on our list of 30 Texas cities. Buildings with five or more units hold about 14% of Pearland's homes; those generally need commercial apartment coverage rather than dwelling forms.
Natural hazards Pearland landlords plan for
Typical Texas property risks such as Gulf hurricanes, tropical storms, and named-storm or windstorm deductibles and winter freeze events that burst pipes affect owners in Pearland and the rest of Brazoria County. Flood and earthquake are excluded from standard dwelling forms and need their own coverage.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
What to have ready for a Pearland quote
- Prior carrier, expiration date, and five-year loss history
- Who holds the loan, for the mortgagee clause
- Liability limit and months of rent to protect
- The Pearland address and how many units it has
- Year built and roof age
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Any system updates, with years
Request a Pearland landlord quote
Pearland landlord insurance questions
How many renters live in Pearland?
About 24% of occupied homes in Pearland, roughly 10,555 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Pearland?
No Texas law mandates it for Pearland owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Pearland?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
More landlord pages near Pearland
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.