Sugar Land Insurance Rates:

Sugar Land, TX home insurance is approximately $906 to $1,228, about $75-$102/month. Our all inclusive guide indicates shoppers can save as much as $426 by getting different quotes

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Sugar Land Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $2210/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $460,000

5 Beds, 5 Baths 4750 sqft Rental Property Constructed In 2004 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $670/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1980 sqft Primary Residence Constructed In 2010 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Single Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

Home Insurance Rate of $2160/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $370,000

5 Beds, 5 Baths 3520 sqft Seasonal Residence Constructed In 1994 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1620/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $480,000

5 Beds, 5 Baths 4210 sqft Seasonal Residence Constructed In 1981 with Linoleum, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $770/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 2210 sqft Seasonal Residence Constructed In 2004 with Wood Flooring, Composition Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $890/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1650 sqft Seasonal Residence Constructed In 1986 with Wood Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Sugar Land, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
77479 $266,400 $1,120
77478 $243,900 $1,120

Sugar Land Rates & Quotes Analysis:

Sugar Land Area Estimated House Insurance
Bracebridge Ct, Coatsworth Dr, Marathon Pl, Steamboat Run, Brook Bend Dr, Bivins Lake Cir, Grand Plantation Ln, Fieldrose Ct, Linenhall Dr, Bay View Dr$1,049
Seven Coves Ct, Wren Meadow Rd, Mondrian Dr, Bending Key Ct, Landmark, Executive Dr, Cam Verde, Esplanade Pl, Bellago Ln, Shadow Wood Dr$1,056
Dumfries St, Amy Point Ln, Wagon Trail Dr, Bogard Ct, Old Masters Dr, Hadfield Ct, Regents Park, Borden St, Deaf Smith Dr, Rockdale Bridge Ct$1,191
Pioneer Dr, Stovepipe Ln, Heather Springs Ln, Mary Sue Ct, Turning Leaf Ln, Annabella Pl, Cedarwood, Old Barn Dr, Casey Cir, Cerro Puente Way$1,056
Chappel Hill Dr, Ayers Rock Rd, Cedar Path, Golden Canyon Ln, Zimmerly Ct, Golden Sky Ln, Willow Brook Ct, Pecan Walk Ln, Chesapeake Pl, Crescent Lakes Cir$1,056
Meadowfair Ct, Fletcher Bridge Ln, Summer Bay Ct, Vista Creek Ct, Carya Cir, Elmwood Point Ln, Rain Fall St, Ludwig Ln, Fisher Lake Dr, S Medio River Cir$1,043
Wild Rose Trce, Woodfalls Ln, Flatridge Ct, Clodine-Reddick Rd, Meadowstar Dr, Sugarhollow Ct, Brobeck Ct, Frampton Ln, Broken Elm Dr, Petitt Rd$1,053
Old Legend Ct, Quiet Town Ln, Brentford Ct, Grove Stone Ct, Beechnut St, Amberstone Dr, Shady Isle Ct, Cottonmist Ct, Londres Dr, Sugar Crystal Ct$1,133
Honey Brook Ct, Midnight Sun Ln, Beacon Pointe, Golden Heath Ln, Old Oyster Trl, Birch Hill Dr, Oak View Trl, Kathi Lynn Ln, Elderberry Trce, Espinosa Dr$1,191
Deverell Dr, Saxony Dr, Brightwood Park Ln, Lansdowne Dr, Squire Dobbins Dr, Harwood Dr, Bournewood Dr, Sutters Creek Trl, Webb Ln, Stockman Ln$1,057

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,303 Homes (10% of total) built between 1970 to 1979 in Sugar Land are paying home insurance between $1,730-$1,746 and varies from New Territory (+$47), Greatwood (+$51), Cumings (+$14), Four Corners (-$26) and Meadows Place (-$34).
  • Bedrooms: 29,842 3 bedrooms homes (36% of total homes ) in Sugar Land are paying about $822. Areas near to Sugar Land such as New Territory, Pecan Grove, Greatwood are costlier by $22, $10, $36 respectively whereas Four Corners and Meadows Place are more economical by $12, $16 respectively for similar homes.
  • Auto Insurance Bundling: 17,578 Households (29% of all households) in Sugar Land have 3 or more vehicles available and when it is bundled with home insurance you can save $266 and differs from New Territory ($274), Four Corners ($262), Meadows Place ($261).
  • Senior Discounts: 20,712 seniors (more than 55 years) occupied housing units (34% of total) in Sugar Land get discounts between $159 to $162 and varies from New Territory ($164), Four Corners ($157), Meadows Place ($156).
  • New Homes discounts: New homes such as the 50,888 homes built between 2000 to 2009 in Sugar Land can save $213 and similar new home insurance discounts in nearby towns and cities like New Territory, Four Corners and Meadows Place are $219, $210 and $209 respectively.

Sugar Land Homeowners insurance Facts

  • Sugar Land, TX has 60,461 owner occupied houses which is 77.7% of all units whereas New Territory, Four Corners and Meadows Place have 87.8%, 82.62% and 88.91% respectively.
  • Sugar Land, TX homeowners yearly insurance price at $1,067 is 0.58% of the typical house value of $183,600 which is in contrast with 0.47% in New Territory, 0.68% at Four Corners & 0.71% in Meadows Place.
  • Homeowners in Sugar Land, TX pay 8.54% of their income ($10,000 to $14,999) in insurance whereas homeowners in New Territory, Four Corners and Meadows Place pay 8.77%, 8.41% and 8.37% respectively.
  • Sugar Land, TX’s insurance is 4.8% of monthly housing costs of $1,842/month, for owners with a mortgage compared to 4.21% in New Territory, 5.14% at Four Corners & 5.7% in Meadows Place. But, for households without a mortgage, insurance is 11.9% of costs ($749 in Sugar Land, TX) in contrast with 10.34% in New Territory, 12.01% at Four Corners & 13.71% in Meadows Place.

Sugar Land, TX Home Values & Insurance rates

For example, insurance for 8,313 Homes (15.0% of total homes ) valued between $125,000 to $149,999 in Sugar Land, TX is about $789. Rates in nearby areas in such as New Territory, Greatwood, Thompsons are cheaper by $154, $163, $134 respectively while Four Corners and Meadows Place are costlier by $135 and $183 respectively for similar homes.

Sugar Land, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,270 2.0% $138
$80,000 to $89,999 1,273 2.0% $490
$90,000 to $99,999 1,748 3.0% $544
$100,000 to $124,999 5,606 10.0% $629
$125,000 to $149,999 8,313 15.0% $789
$150,000 to $174,999 9,243 16.0% $938
$175,000 to $199,999 5,706 10.0% $1088
$200,000 to $249,999 8,572 15.0% $1301
$250,000 to $299,999 6,351 11.0% $1600
$300,000 to $399,999 6,319 11.0% $2027

Renters Insurance in Sugar Land

  • Average Renters Insurance in Sugar Land :  $155($12/month)

  • Median Gross Rent in Sugar Land :  $1,218

  • Sugar Land Renters Insurance to Median Rent Ratio:  0.99%

  • Renter occupied housing units in Sugar Land :  17,330

Sugar Land Renters Insurance as a Percentage of Rent

Sugar Land Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 711 4.0% $1913
$750 to $999 3,642 22.0% $2663
$1,000 to $1,499 7,494 46.0% $3788
$1,500 or more 4,018 25.0% $5438

Rent Affordability in Sugar Land:

Approximately 43.0% (7,483) of households are spending more than 35% of their income on gross rent in Sugar Land

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,708 9.0%
15.0 to 19.9 percent 2,733 15.0%
20.0 to 24.9 percent 2,640 15.0%
25.0 to 29.9 percent 1,626 9.0%
30.0 to 34.9 percent 1,140 6.0%
35.0 percent or more 7,483 43.0%

Sugar Land Renters Insurance Discounts:

Sugar Land Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Sugar Land, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,514 43.0% $15.5
2 vehicles available 7,200 41.0% $23.25
3 or more vehicles available 1,663 9.0% $31.0

Protective device discount in Sugar Land Up to :  $23

Claims-free discount in Sugar Land Up to :  $31