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.
Henry Phan is a State Farm agent serving Sugar Land, Texas and the surrounding Fort Bend County. He offers auto, homeowners, renters, life, motorcycle and boat insurance, and has over 20 years of combined experience serving families and businesses.
Hoffman Insurance Group in Sugar Land has been writing home, auto, business, recreational, health and life insurance since 1972. They serve the Sugar Land and greater Houston area with dependable, affordable coverage and a professional team of agents ready to customize plans.
Ryan Treesh is an Allstate insurance agent serving Sugar Land, TX. He offers a range of products including auto, homeowners, renters, motorcycle, boat, life, and business insurance, emphasizing personalized service and community involvement.
Prosafe Insurance is a full‑service independent agency based in Sugar Land, Texas, serving clients across the state. They help customers find home, auto, life, flood, commercial and other coverages by comparing multiple carriers to get the best rates. Their focus is personal service and transparent guidance throughout the insurance process.
GEICO Insurance Agency, Inc. provides auto, homeowners, renters, and other insurance products through GEICO’s online platform in Houston, Texas.
Kimball Insurance is an independent agency located in The Woodlands and Sugar Land, Texas, offering personal and business insurance solutions with a focus on relationships and proactive service.
Diego Cervantes is a State Farm insurance agent in Missouri City, TX, offering auto, home, renters, life and small‑business coverage. He emphasizes personalized service and community involvement, highlighting 5‑star Google reviews from over 180 customers.
As a family‑owned business with over 20 years of experience, Alzate Agency is dedicated to helping Texas families with their insurance needs. They focus on personal service, guiding clients through the process with compassion and expertise.
At AGIA we are committed to protecting what matters most to our clients. With a strong focus on integrity, trust, and personalized service, we strive to provide comprehensive insurance solutions tailored to each customer’s needs.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses find affordable coverage across the state. It compares multiple carriers to match customers with the right policies and offers free, no‑obligation quotes.
Amtex Insurance offers affordable auto, home, and business insurance, focusing on real‑people service and community care. Since its founding, the agency emphasizes low rates, personalized service, and quick coverage through multiple carriers.
Texas Insurance Agency, founded in 1999, provides affordable coverage and free quotes to families across Houston, Pasadena, Beaumont, The Woodlands and the wider Texas area.
Ken Quach State Farm provides a range of insurance options—including auto, home, life, renters, business, boat, and motorcycle coverage—to residents of Sugar Land and surrounding communities, leveraging over 30 years of industry experience.
Peter Mugo State Farm Insurance Agency is a local Houston agency offering a range of personal and business insurance solutions. The agency emphasizes free, non‑binding quotes and highlights its commitment to customer service across the Greater Houston area. It promotes State Farm as its primary carrier and serves a multilingual community.
Lance Ragle runs the Allstate Ragle Agency in Sugar Land, Texas, offering a range of personal insurance products. He has been with the agency since 1994 and owner since 2008, serving the community with a focus on integrity and personalized service.
Krystal Davis Francis runs a family‑owned Allstate agency in Sugar Land, Texas, continuing a legacy that began in 1984. The agency offers a wide range of insurance products and serves Sugar Land, Houston, and surrounding communities. It emphasizes personalized service and community involvement.
The Ace Group provides comprehensive insurance solutions with integrity, expertise, and personalized service, aiming to protect clients' assets and give them peace of mind. They offer a range of products including auto, home, life, and commercial insurance.
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.
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.
Assurance One of Texas, LLC is an independent insurance agency in Sugar Land, Texas, offering personal and business insurance solutions with a focus on personalized service. They represent multiple carriers and have been serving the community since 1993.
Tabak Insurance specializes in insurance for restaurants, bars, nightclubs, and other food‑service businesses, offering coverage such as commercial general liability, commercial property, liquor liability, and business owner’s policies. With more than 25 years of industry experience, the agency emphasizes personalized service and cost‑saving strategies.
Mays Insurance Group provides personalized health insurance solutions for individuals, families, and small businesses, offering medical, dental, and vision coverage tailored to each client’s needs and budget.
Jason Deitz is a State Farm agent serving Richmond, Texas and surrounding areas. Since 2021 the agency has offered personal and business insurance solutions with a focus on auto, home, life, and specialty coverage. The team emphasizes personalized service and community involvement.
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.