Sugar Land, TX Home Insurance - Analysis On Quotes, Rates & Agents
Sugar Land Insurance Rates:
Sugar Land, TX homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.
How to Find Affordable Homeowners Insurance in Sugar Land, TX
Sugar Land, Texas thrives on its unique and one-of-a-kind attractions, diversity, culture, and top-notch entertainment. The climate in Sugar land is classified as humid subtropical, where the temperature can hit as high as 95°F (35°C) in summers. Because of the harsh weather conditions, home insurance in Sugar Land, TX, is a necessity.
Getting homeowners insurance is essential to secure your home and own belongings. Sugar Land homeowners insurance can cover the cost of a leaky roof that causes water damage, a stray golf ball that shatters your bay window, structural damage due to an earthquake, or any number of covered hazards that may result in property damage or loss.
Sugar Land homeowners insurance is essential for safeguarding your family against any catastrophe that may occur. The average price of homeowners insurance in Sugar Land, Texas, is $1903. The cost of homeowners insurance in Sugar Land, Texas, is decided after analyzing certain factors, including the age of the home, materials used to construct your home, deductibles and coverage type, claim history, and security features.
VHome, through its research, has examined these factors in detail.
a. Home insurance based on the deductibles
A deductible is the insurer's money towards an insured loss. For example, if a wind storm causes collateral damage, the homeowner policy will cover your repair cost minus your deductible.
Homeowners in Sugar Land typically choose to pay a deductible of $1000 and $1500, where the premium charged is $1700.9 and $1601.18, respectively. Homeowners who choose to pay a low deductible in Sugar Land have to pay a higher premium. For instance, homeowners who opted for a deductible of $500 pay $1880.16 towards their home insurance in Sugar Land, Texas.
b. Home insurance based on the materials used
Materials used to construct the home play an integral part in determining the cost of home insurance in Sugar Land, Texas. Homes built using sturdy materials are less prone to damage or other repairs. For instance, houses built with hail-resistant roofs pay $1864.94, whereas homes built with damage-resistant materials like Masonry and Brick pay $1807.85 in Sugar Land.
c. Home insurance based on the age of the home
To determine the homeowners insurance rates in Sugar Land, the age of the home matters. Simply, the older your home, the more premium you pay on home insurance in Sugar Land, TX. This is because as homes age, so do the materials used to build your house. For example, homes older than 30 and 50 years pay $1931.545 and $1975.314, respectively. On the other hand, newly built homes are less prone to damage, and home insurance providers proffer significant discounts to newly constructed homes. For instance, newly built homes in Sugar Land can get lower insurance of $1465.31.
Tips For Choosing The Best Sugar Land, TX, Home Insurance Company
In Sugar Land, Texas, homeowners pay an average home insurance rate ranging from $906 to $1,228. vHome’s analysis reveals that Sugar Land homeowners can save as much as $426 by choosing the cheapest home insurance provider. Below are some of the factors that Sugar Land homeowners are advised to keep in mind before choosing the home insurance company that best suits their coverage needs.
A.M. Best Rating
Financial strength is referred to as the capacity of an insurance company to grant claims of current policyholders. Sugar Land homeowners are recommended to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. Sugar Land homeowners can use these ratings to identify home insurance companies with a high financial capacity.
J.D. Power Score
J.D. Power awards home insurance companies with a score based on the feedback collected from current policyholders. The customer satisfaction score of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. Sugar Land homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.
Comparing Quotes
Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes can differ from one insurance company to another. Sugar Land homeowners should obtain quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.
Deductibles vs. Insurance Rates
Sugar Land homeowners can opt for high deductibles to reduce their home insurance rates. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. Sugar Land homeowners are advised to choose the home insurance company that offers the highest discount for their deductibles.
Claims Processing Speed
Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a time period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. Sugar Land homeowners are suggested to choose home insurance companies with a simple and swift claims processing system.
Sugar Land, TX, Best Home Insurance Companies
Home insurance companies in Sugar Land, TX, are rated by taking different criteria into consideration. The best home insurance companies are determined by considering their financial strength, customer service, available discounts, market share, and the speed at which claims are processed.
State Farm
State Farm is one of the very few home insurance companies in Sugar Land to receive a financial strength rating of A++ (superior) from A.M. Best. This means that State Farm is financially superior in granting potential claims of current policyholders. State Farm also holds a rating of 3/5 for customer satisfaction from J.D. Power. When it comes to market share, State Farm occupies the majority of the Texas market with 19.55%.
Allstate
Allstate has a financial strength rating of A+ (superior) from A.M. Best, and a customer satisfaction score of 3/5 from J.D. Power. Allstate agents work closely with Sugar Land homeowners to provide personalized home insurance quotes. According to NAIC data, Allstate has a market share of 13.08% in the state of Texas.
Farmers
Farmers received a financial strength rating of A+ (superior) from A.M. Best, and a customer satisfaction score of 3/5 from J.D. Power. NAIC reports that Farmers has a 10.39% market share in Texas. Farmers has a 24/7 claims support service and Mobiles Claim Center buses to handle priority claims in Sugar Land.
USAA
USAA holds a financial strength rating of A++ (superior) from A.M. Best, and a perfect customer satisfaction score of 5/5 from J.D. Power. USAA is regarded highly in Sugar Land for providing home insurance services exclusively to veterans. NAIC reports that USAA occupies a market share of 9.70% in Texas.
Liberty
Liberty has a financial strength rating of A (excellent) from A.M. Best, and a customer satisfaction score of 3/5 from J.D. Power. Liberty is well known for its discount offerings and inflation protection policy. According to NAIC data, Liberty has a market share of 7.37% in the state of Texas.
Sugar Land, TX Homeowners Insurance By Home Value
| Sugar Land, TX Home Value | Total Homes | % of Total | Average Sugar Land, TX 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 |
Top Home Insurance Agents Near Sugar Land, TX
| Home Insurance Company Near Sugar Land, TX | Homeowners Insurance Agency Near Sugar Land, TX | Address |
|---|---|---|
| NA | Texas Printers Insurance Agency | 8133 Jackrabbit Rd , Houston, TX, 77095 |
| State Farm | Felicia Boudreaux | 14901 State Hwy 249 Ste 105, Houston, TX, 77086-1630 |
| Travelers | Ias General Agency Llc | 11111 KATY FREEWAY STE 400, HOUSTON, TX, 77079 |
| Travelers | Insurance Associates Of The Southwest | 11111 KATY FREEWAY STE 400, HOUSTON, TX, 77079 |
| Travelers | Richard M Eng | 5761 BISSONNET ST, BELLAIRE, TX, 77401 |
Sugar Land, TX Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Sugar Land, TX
| Streets in Sugar Land Area | Homeowners Insurance Cost |
|---|---|
| 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 |
Sugar Land, TX Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Sugar Land | $159 to $162 |
| New Territory | $164 |
| Four Corners | $157 |
| Meadows Place | $156 |
Sugar Land, TX Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| New Territory CDP, Texas | $137 | $183 | $274 |
| Four Corners CDP, Texas | $131 | $175 | $262 |
| Meadows Place city, Texas | $131 | $174 | $261 |
Sugar Land, TX Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Sugar Land, TX | 4.8% | 11.9% |
| New Territory | 4.21% | 10.34% |
| Four Corners | 5.14% | 12.01% |
| Meadows Place | 5.7% | 13.71% |
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 |
Sugar Land, TX Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $3,700 |
| Yearly Sugar Land Homeowner Insurance Premium Example | $1,500 | $1,100 |
| Out of Pocket Expense During Claim | $1,700 | $3,700 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $12,200 | $11,400 |
| Net Savings to Sugar Land Home Owner from High Deductible Plan | $800 | |
Sugar Land, TX Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Sugar Land, TX Home Replacement Value MORE than Home Value | Sugar Land, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $240,500 | $181,000 |
| Insurance Premium based on Replacement Value | $2,275 | $1,725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $32,000 | Risk Exposure from Under Insuring Coverage is $27,500 |
| Premium Impact | Insurance cheaper by $250/year | Insurance costlier by $300/year |
Example Sugar Land Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Nationwide Insurance | Farmers Insurance | State Farm |
| Monthly Premium | 163 | 120 | 108 |
| Year Built | 1980 | 2010 | 2002 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $150000-$175000 |
| Deductible | $500 Deductible | > $10,000 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Sugar Land, TX from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1980 | 380,000 | Tile Roof | 3,330 | 4 | $500- $1000 Deductible | 1630 | 8 | Brick siding | yes |
| 2014 | 185,000 | Slate Shingles Roof | 1,610 | 4 | $2500-$5000 Deductible | 1220 | 10 | Brick siding | No |
| 1995 | 150,000 | Slate Shingles Roof | 1,630 | 5 | $500- $1000 Deductible | 650 | 5 | Stone Siding | No |
| 1992 | 325,000 | Asphalt Shingles Roof | 2,880 | 5 | $5000 to $10,000 Deductible | 510 | 5 | Stone Siding | yes |
| 2010 | 200,000 | Wood Shake Roof | 1,670 | 3 | $500 Deductible | 2270 | 12 | Fiber-Cement Siding | yes |
| 1999 | 410,000 | Slate Shingles Roof | 3,320 | 4 | $1000-$2500 Deductible | 1190 | 4 | Vinyl siding | No |
| 1996 | 175,000 | Composition Roof | 1,630 | 5 | $500 Deductible | 1100 | 12 | Stone Siding | yes |
| 1993 | 310,000 | Metal Roof | 3,380 | 4 | $2500-$5000 Deductible | 1290 | 8 | Wood siding | No |
| 1983 | 190,000 | Membrane Roof | 1,620 | 4 | $500- $1000 Deductible | 720 | 5 | Fiber-Cement Siding | yes |
| 2013 | 230,000 | Metal Roof | 2,260 | 3 | > $10,000 Deductible | 220 | 2 | Stucco siding | yes |
| 2006 | 220,000 | Composition Roof | 2,180 | 4 | $500 Deductible | 1230 | 8 | Brick siding | yes |
| 2014 | 370,000 | Composition Roof | 2,990 | 4 | $5000 to $10,000 Deductible | 1190 | 6 | Stucco siding | No |
| 2009 | 165,000 | Slate Shingles Roof | 1,820 | 4 | $500 Deductible | 1140 | 9 | Wood siding | yes |
| 2008 | 265,000 | Asphalt Shingles Roof | 2,980 | 4 | $2500-$5000 Deductible | 400 | 3 | Fiber-Cement Siding | No |
| 2012 | 495,000 | Membrane Roof | 4,840 | 5 | $500- $1000 Deductible | 940 | 3 | Fiber-Cement Siding | No |
| 2014 | 185,000 | Tile Roof | 1,530 | 3 | $500- $1000 Deductible | 230 | 2 | Fiber-Cement Siding | yes |
| 2002 | 205,000 | Tile Roof | 2,170 | 3 | $500- $1000 Deductible | 670 | 5 | Fiber-Cement Siding | No |
| 1987 | 185,000 | Shingles Roof | 1,660 | 3 | $5000 to $10,000 Deductible | 900 | 8 | Wood siding | yes |
| 1982 | 230,000 | Slate Shingles Roof | 2,690 | 4 | $5000 to $10,000 Deductible | 830 | 8 | Brick siding | No |
| 1987 | 435,000 | Tile Roof | 3,570 | 5 | $5000 to $10,000 Deductible | 1490 | 6 | Vinyl siding | No |
| 1988 | 220,000 | Metal Roof | 1,860 | 3 | $2500-$5000 Deductible | 680 | 4 | Stone Siding | yes |
| 2012 | 370,000 | Slate Shingles Roof | 4,090 | 5 | $2500-$5000 Deductible | 1870 | 8 | Fiber-Cement Siding | yes |
| 1995 | 170,000 | Membrane Roof | 1,930 | 4 | $2500-$5000 Deductible | 650 | 10 | Wood siding | yes |
| 2005 | 225,000 | Slate Shingles Roof | 1,770 | 4 | $5000 to $10,000 Deductible | 520 | 4 | Fiber-Cement Siding | No |
| 2004 | 460,000 | Asphalt Shingles Roof | 4,750 | 5 | $2500-$5000 Deductible | 2210 | 9 | Wood siding | yes |
| 2010 | 165,000 | Slate Shingles Roof | 1,980 | 3 | $1000-$2500 Deductible | 670 | 8 | Vinyl siding | No |
| 1994 | 370,000 | Wood Shake Roof | 3,520 | 5 | $2500-$5000 Deductible | 2160 | 12 | Brick siding | No |
| 1981 | 480,000 | Metal Roof | 4,210 | 5 | $5000 to $10,000 Deductible | 1620 | 7 | Fiber-Cement Siding | No |
| 2004 | 215,000 | Composition Roof | 2,210 | 3 | $500- $1000 Deductible | 770 | 5 | Stucco siding | yes |
| 1986 | 210,000 | Composition Roof | 1,650 | 3 | $500 Deductible | 890 | 5 | Vinyl siding | No |
Latest Home Insurance Reviews
Allstatethis is where I am saving a ton of money, with the deductible, it's so much cheaper than some of the other insurance companies here and it's helped a ton!
Alfa InsuranceAflac's home insurance policy offerings are pretty comprehensive compared to other insurance providers in my opinion, they have their variations and ways that I can customize my police to my needs.
Alfa InsuranceI do not enjoy how expensive it is. i do not think we should have to pay as much as we do for our home insurance.
State FarmI would absolutely recommend State Farm for their exceptional customer service, great rates, ability to earn discounts on those rates, and smooth claims process.
State FarmI think I have a pretty good deal. The homes out here are expensive. I feel I have good coverage and pay about 800 per year. It is part of an escrow impound account so I don't have to worry about the bill.
MetlifeI compared my premium to average statistics researched on the internet and it seemed in line with those, and so I am satisfied enough.
AllstateThey all seem to mostly offer the same advantages such as dwelling and personal property coverage, but Allstate may excel by also offering musical instrument insurance.
EsuranceEsurance offers pretty much what other insurance company's have but I feel their policies are a little more money to have. Obtaining insurance from Esurance is fairly easy because it is done online.
Farmer's Insurancei always have a good experience with farmers customer service when I'm paying my premium. I also had to file a claim and their customer made it an easy process.
Farmer's InsuranceWhen i file a claim they are very concern over my welfare and how fast the claim can be paid or another car be bought. they seem to actually care about how this would affect me in my life.
State FarmWhen i contacted my agent about a claim, she was very kind and helpful. she walked me through the process in a way that made the process easy.
Farmer's InsuranceI like the low prices they provide me with and the many options i have with them.
AllstateI do not like having to wait to speak with a representative. I also do not like getting the runaround when speaking to one person, and having to explain the issue to someone else.
State FarmThey offer great service and great rates and discounts. They communicate any changes to my policies as soon as possible and they always update me when a better discount or offer is available. Claims are processed in a timely manner and over all, they perform well
ProgressiveProgressive always has good customer service. Whenever my husband or I call the company with questions or to change coverage we have our questions answered quickly and they are always very polite and professional.
ProgressiveThe overall premiums seem a little high, it would be nice to save some money. And I would like to see the coverage expand a bit.
ProgressiveThey have been a long time company with a lot of backing so I trust if anything happens they will pay. A lot of my friends who don't have same don't get claims paid.
Allstatei rate then a 4 because i like that i call them and they pick up the phone they are actually located in america so i dont have to talk to someone in chine
Liberty MutualI don’t have anything that I currently dislike about my homeowner insurance policy. The only complaint I could make is the price of my annual premium, but in reality it isn’t that high
AllstateI like that I can bundle my home and auto insurance with this company. I like having all of my insurance information in one place. Dealing with one company is a lot easier than dealing with two.
ProgressiveI like the price as compared to other quotes that we received and the customer service rep was quick to get everything set up.
ProgressiveWhile I do like them, they are still an insurance company. Insurance companies overall are not out to help you, they are out to make money. I understand their need, just don't agree with their tactics.
Liberty MutualI am happy with the premium and the communication I receive regarding coverage and premium. Other than those areas I am trusting that they are a good company and will stand by me in the case of a claim.
State FarmI would not recommend this company for the following reasons: They have poor customer service, they have higher premiums for same coverage and they are generally a pain to try and deal with.
GeicoI would not recommend my current company because i am not satisfied with their claim process. I also feel that customer service could use a complete overhaul. Their deductibles are ridiculous
AllstateI have got to say as of today, I could not find a thing to write about in terms of something we did not like about our insurance company
National GeneralThere should be more self-service options on the website for customers who may not have time to wait on the phone to talk to customer service reps.
GeicoThe monthly cost and the deductible are better than the last company i was using.