Sugar Land, TX Homeowners Insurance

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.

Average Homeowners Insurance Cost in Sugar Land, Texas

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

The Best Cheap Homeowners Insurance Rates in Sugar Land, Texas

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.

Cheapest Homeowners Insurance in Sugar Land, Texas

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

Expensive Homeowners Insurance in Sugar Land, Texas

Insurance Company Homeowners Insurance Rate
Encompass Insurance $4,200
Esurance $4,384
Amica $4,625
MetLife $4,966

Homeowners Insurance by Neighborhoods in Sugar Land, Texas

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.

Cheapest Neighborhoods for Homeowners insurance in Sugar land, Tx

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

Most Expensive Neighborhoods for Homeowners insurance in Sugar land, Tx

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

Homeowners Insurance Rates by Deductible in Sugar Land, Texas

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.

Sugar Land, Texas Homeowners Insurance by Deductible

Deductible Homeowners Insurance Rate
$500 $1,408
$1000 $1,277
$1500 $1,201
$2000 $1,094
$2500 $1,021

Sugar Land, Texas Homeowners Insurance By Home Value

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.

Sugar Land, Texas Homeowners Insurance Rate by Home Value

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

Types of Homeowners Insurance Coverage in Sugar Land, Texas

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.

  1. Property Protection covers damage to your home, personal belongings, and outbuildings on your property. The coverage also takes care of expenses incurred from loss of use of the insured home. Each insurance policy clearly defines the type of damage or loss it covers. It’s, therefore, important to study a policy very well before putting pen to paper.
  2. Liability Protection covers liability claims relating to injury caused by your home to non-family members. The coverage also extends to legal fees spent for such claims.

Best Insurance Companies in Sugar Land, Texas

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

Tips to Save on Homeowners Insurance in Sugar Land, Texas

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.

Homeowners Insurance Resources for Sugar Land, Texas Residents

Get Sugar Land homeowners insurance now!​

Get Cheapest Insurance Quote

Sugar Land, TX Homeowners Insurance FAQs

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.

Get Cheapest Insurance Quote

Call an Agent

Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.