Homeowners Insurance in Sugar Land, TX
Homeowners insurance covers your dwelling, personal property, and personal liability if someone is injured on your property. In Texas, most policies follow the standard HO-3 form. Hurricane-exposed regions (Gulf Coast) often need separate windstorm coverage through TWIA.
Homeowners insurance in Sugar Land, TX: 24 licensed insurance agencies serve 109,851 residents in Fort Bend County. auto premiums average $2,743 per year — 0% above the Texas state average. hurricane + flood drives 45% of homeowner claims.
24 homeowners insurance agencies in Sugar Land
Within 15 miles of Sugar Land, TX. Click any agency to view profile, contact info, and request a quote.
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
Licensed insurance agency in Sugar Land, TX; represents 193 carriers.
Jacobs Insurance Agency, LLC is a veteran‑owned agency led by owner Javante Jacobs. With experience at a Fortune 100 insurer and a background of military service, the agency serves families and businesses across Texas and Louisiana, offering personalized insurance solutions.
Family owned and operated since 2006, Crestar Insurance provides auto, renters, home, flood, motorcycle and business insurance with a focus on customer service and expert knowledge of its products.
Arlene Lollie & Associates is a trusted insurance agency serving the Greater Houston area for over 20 years. They provide personalized personal and business insurance solutions, including auto, homeowners, life, commercial property, flood and boat coverage. The agency emphasizes high‑quality service and building lasting client relationships.
S. Galloway Agency, Inc is an independent insurance agency serving Texas, Louisiana, and Georgia, offering personal and commercial insurance solutions. Their team emphasizes education and tailored protection for clients.
Christopher Mims has been serving the Houston, Richmond, and Katy areas with insurance protection since 1994. He began as a Farmers Insurance Agency and now operates as an independent Trusted Choice agent with the Integra Group, offering auto, home, life and business insurance solutions. Mims emphasizes personal relationships and a wide range of carrier options.
Josalyn Dean is a licensed health insurance advisor in Sugar Land, Texas, helping individuals, families, and small businesses find affordable health, dental, and vision coverage. She offers personalized plans and 24/7 support.
Avalon Insurance Agency is an award‑winning independent agency in Houston, Texas offering a range of personal and commercial insurance products. Since 2006 they provide auto, home, umbrella, flood, renters, landlord, RV/motorcycle, commercial and life insurance with a focus on personalized service.
Licensed insurance agency in Houston, TX; represents 35 carriers.
Licensed insurance agency in Houston, TX; represents 61 carriers.
Brightway is an independent insurance agency that connects customers with multiple carriers, offering personalized quotes and ongoing support to help clients secure the right coverage for their needs.
Licensed insurance agency in Sugar Land, TX; represents 4 carriers.
Licensed insurance agency in Sugar Land, TX; represents 4 carriers.
Licensed insurance agency in Houston, TX; represents 12 carriers.
Licensed insurance agency in Houston, TX; represents 13 carriers.
Licensed insurance agency in Houston, TX; represents 30 carriers.
Licensed insurance agency in Houston, TX; represents 43 carriers.
Licensed insurance agency in Houston, TX; represents 15 carriers.
Stieber Insurance Group is a family‑owned agency serving Texas since 1983, offering personalized insurance solutions for homes, cars, and businesses. They emphasize local expertise, community focus, and independent carrier options to tailor coverage for each client.
Licensed insurance agency in Houston, TX; represents 11 carriers.
Licensed insurance agency in Sugar Land, TX; represents 98 carriers.
Abe Jacobs Insurance Agency provides personalized Life, Home, Auto, Commercial, and Flood insurance across Texas. Founded in 1983, the agency has nearly four decades of experience delivering risk management solutions and competitive rates.
Licensed insurance agency in Sugar Land, TX; represents 2 carriers.
Frequently asked questions
Is homeowners insurance required in Texas?
Not by state law, but mortgage lenders require it as a condition of the loan. If you own outright, it's optional but strongly recommended.
Does homeowners insurance cover floods?
No. Flood damage requires a separate flood policy, typically through the National Flood Insurance Program (NFIP) or a private flood carrier.
What's the difference between actual cash value and replacement cost?
Actual cash value pays out what your damaged property is worth today (after depreciation). Replacement cost pays the full cost to replace it new. Replacement cost is more expensive but pays out more after a loss.