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Sugar Land, Texas, is a racially-diverse city of 118 709 people. Ranking as one of Texas’s most populated cities, Sugar Land hosts a bubbling environment and vibrant economy. It is home to Imperial Sugar, one of the country’s biggest sugar companies. As one of the fastest-growing cities in Texas, Sugar Land’s population has grown over 100% in the last decade.
With its growing affluence, the city has continued to experience an increase in jobs. The oil services company, Schlumberger, has a campus in Sugar Land, employing about 2,000 people. Other large employers include the Methodist Sugar Land Hospital, Fluor Enterprises Inc, Baker Hughes, and Nalco Champion. As people relocate to the city, more homes are built, and an ever-increasing need for home insurance.
Inn Sugar Land, Texas, homeowners insurance averages $1,427 annually, far lower than the state and national average. It doesn’t take a lot of work to get the right insurance for your home. However, you want your policy to be comprehensive, affordable and backed by a reliable insurance company.
The average homeowners insurance cost in Sugar Land, Texas, is $1,427. It is quite affordable for most residents at less than half the insurance cost of an average home in Texas. Check our table below to see how homeowners insurance in Sugar Land compares to Texas and the Us as a whole.
| Average Homeowners Insurance Cost Annually | |
| Sugar Land, TX | $1,427 |
| Texas | $3,429 |
| Nationwide | $2,305 |
Getting an affordable homeowners insurance rate can be tricky because there are several factors involved. Some insurance companies with incredibly low rates may demand higher deductibles or offer limited coverage. The goal isn’t just to get the cheapest homeowners insurance but also to get one that is best for you.
| Insurance Company | Homeowners Insurance Rate |
| Progressive | $738 |
| Blue Cross Blue Shield | $740 |
| Farmer’s Insurance | $2,197 |
| Alfa Insurance | $2,960 |
| Allstate | $3,635 |
| State Auto | $3,844 |
| Insurance Company | Homeowners Insurance Rate |
| Encompass Insurance | $4,200 |
| Esurance | $4,384 |
| Amica | $4,625 |
| MetLife | $4,966 |
Looking at the average homeowners insurance cost by streets in Sugar Land can give you an estimate of the rate you should expect to pay. Homeowners in some locations like Meadowfair Ct pay less in home insurance than those in areas like Quiet Town Lane and Honey Brook Ct.
| Neighborhoods | Average Homeowners Insurance Cost |
| Meadowfair Ct, Summer Bay Ct, Rain Fall St, Carya Cir, Fisher Lake Drive, Vista Creek Ct, Fletcher Bridge Ln | $1,045 |
| Coatsworth Dr, Brook Bend Dr, Bracebridge Ct, Fieldrose Ct, Bivins Lake Cir, Bay View Dr, Steamboat Run | $1,051 |
| Flintridge Ct, Woodfalls Ln, Petitt Rd, Clodine-Reddick Rd, Meadowstar Dr, Wild Rose Trce, Broken Elm Dr | $1,057 |
| Golden Sky Ln, Chappel Hill Dr, Cedar Path, Willow Brook Ct, Chesapeake Pl, Zimmerly Ct, Crescent Lakes Cir | $1,059 |
| Neighborhoods | Average Homeowners Insurance Cost |
| Sutters Creek Trl, Deverell Dr, Squire Dobbins Dr, Lansdowne Dr, Stockman Ln, Harwood Dr, Saxony Dr, Brightwood Park | $1,071 |
| Old Legend Ct, Sugar Crystal Ct, Amberstone Dr, Grove Stone Ct, Quiet Town Ln, Beechnut St, Londres Dr, Shady Isle Ct | $1,135 |
| Honey Brook Ct, Old Oyster Trl, Beacon Pointe, Elderberry Trce, Midnight Sun Ln, Golden Heath Ln, Birch Hill Dr | $1,190 |
A deductible is an out-of-pocket money you pay towards a claim before an insurance company can meet its end of the claim. Agreeing to a high deductible means you’ll pay a lower homeowners insurance rate. On the other hand, choosing a low deductible means you’ll pay a higher insurance rate.
| Deductible | Homeowners Insurance Rate |
| $500 | $1,408 |
| $1000 | $1,277 |
| $1500 | $1,201 |
| $2000 | $1,094 |
| $2500 | $1,021 |
What is the market value of your home? You can estimate a homeowners insurance rate for your home by looking at the averages for different home values. The higher the cost of your home, the more you’re likely to pay for insurance. Homeowners with homes less than $50,000 in value pay an average of $140 annually in homeowners insurance. Meanwhile, homeowners with homes above $300,000 pay up to $2,300 in homeowners insurance.
| Home Value | Average Homeowners Insurance Rates |
| >$50,000 | $140 |
| $80,000 -$89,999 | $495 |
| $90,00 – $99,900 | $546 |
| $100,000 – $124,999 | $631 |
| $125,000 – $149,999 | $791 |
| $150,000 – $174,999 | $940 |
| $175,000 – $199,999 | $1,086 |
| $200,000 – $249,999 | $1,300 |
| $250,000 – $249,999 | $1,602 |
| $300,000 – $399,999 | $2,300 |
Insurance coverage protects your home from defined loss, damages, and liability claims. Homeowners Insurance policies offer two basic forms of protection: Property Protection and Liability Protection.
Tested and trusted insurance companies give you the peace of mind you’re need in case of an incident. In the Sugar Land, Tx area, here are a few reliable companies to secure homeowners insurance without hassle.
| J.D Power Rating | NAIC Index | AM | |
| Allstate | 4/5 | 0.21 | A++ |
| USAA | 5/5 | 0.15 | A++ |
| Amica | 4/5 | 0.20 | A++ |
| State Farm | 4/5 | 0.20 | A++ |
| Farmers | 3/5 | 0.37 | A |
| Progressive | 2/5 | 0.14 | A |
| Auto-owners | 4/5 | 0.27 | A++ |
| Travelers | 2/5 | 0.5 | – |
An excellent wait to save on home insurance costs is purchasing a bundle plan that incorporates your auto and home insurances. Instead of paying separate insurance premiums, you combine both into a single payment. For a single car and home insurance bundle in Sugar Land, Texas, you get to save up to $137. It’s even better if you’re bundling more cars. A 3-Car Bundle Savings on Insurance in Sugar Land stands at $274.
The average cost of homeowners insurance in Sugar Land, Texas is $1,427, lower than both the state and national average. However, the exact quote for your home will depend on various factors, such as the deductible, area within the city, type of construction material, and others.
Yes, insurance providers consider the age of home when drawing out a homeowners insurance plans. Older homes usually cause higher insurance cost, while newly constructed homes enjoy home insurance discounts. In Sugar Land, Texas, homeowners get up to $328 in-home insurance discounts for new homes. Homes over 50 years attract up to $69 in additional charges.
Most insurance providers will consider your home for a homeowners insurance discount if it’s built with fire-resistive materials. In Sugar Land, Texas, the discount could be high as $186, allowing you to enjoy lower home insurance costs.
There are several insurance companies offering Sugar Land homeowners insurance policies at competitive prices. It would help if you took your time to compare quotes from these companies before making a decision. You have to compare not only their prices but their coverage and deductible. Also, consider checking their ratings with financial powerhouses like J.D.
The right homeowners insurance covers potential damages to your homes and detached buildings to your property, personal belongings, furniture, and liability. You may also want to get additional insurance coverage for high-priced assets, expensive jewelry, and natural disasters like floods.
Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.