Sugar Land ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Sugar Land, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Sugar Land, TX is $2199. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Sugar Land, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Sugar Land, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $880 |
| $200,000 | $1,495 |
| $300,000 | $1,847 |
| $400,000 | $2,815 |
| $500,000 | $3,540 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Sugar Land, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,255 |
| $1000 Deductible | $2,016 |
| $1500 Deductible | $1,902 |
| $2500 Deductible | $1,715 |
| $5000 Deductible | $1,451 |
| 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 |
| 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 |
| 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 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Sugar Land | $159 to $162 |
| New Territory | $164 |
| Four Corners | $157 |
| Meadows Place | $156 |
| 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 | |
| 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 |
| 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 |