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Homeowners Insurance in Sugarland, 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.

24 homeowners insurance agencies in Sugarland

Within 15 miles of Sugarland, TX. Click any agency to view profile, contact info, and request a quote.

LFeatured partner
LIBERTAS INSURANCEPaid placement

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.

AutoHomeownersRentersLife+6 more
Waco, TX· 163.9 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +21-2 agents
L Listed
Leavitt Group Texas Select
4.9 · 100+ reviews on Google70 yrs in business

Leavitt Group provides insurance, risk management, and employee benefits solutions, emphasizing relationships, integrity, and problem‑solving for both individuals and businesses.

AutoCommercial GLHomeownersRenters+1 more
Sugar Land, TX· 3.1 mi
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +185
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I Listed
Inshora Group Insurance - Home Insurance
4.9 · 100+ reviews on Google

Inshora Group is a Texas‑based insurance agency offering personal and business insurance solutions, including auto, home, renters, flood, life, and business coverage. They compare quotes from over 25 A‑rated carriers to provide personalized service and savings for clients.

AutoCommercial GLFloodHomeowners+3 more
Sugar Land, TX· 1.5 mi
Carriers: Ace American Insurance Company, Ace Fire Underwriters Insurance Company +381-2 agents
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C Listed
Chadwick Sapenter - GEICO Insurance Agent
4.8 · 500+ reviews on Google

GEICO Insurance Agency, Inc. provides auto, homeowners, renters, and other insurance products through GEICO’s online platform in Houston, Texas.

AutoBoatCommercial GLEarthquake+6 moreSpanish
Sugar Land, TX· 2.9 mi
Carriers: Agricultural Workers Mutual Auto Insurance Company, American Bankers Insurance Company of Florida +293-5 agents
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D Listed
Diego Cervantes - State Farm Insurance Agent
4.9 · 100+ reviews on Google

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.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Missouri City, TX· 3.5 mi
Carriers: State Farm
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H Listed
Hoffman Insurance Group Powered by YourPolicy
4.8 · <100 reviews on Google54 yrs in business

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.

AutoHomeownersRentersLife+3 more
Sugar Land, TX· 3.4 mi
Carriers: Accendo Insurance Company, Ace American Insurance Company +55
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W Listed
Welling Insurance Agency: Allstate Insurance
4.9 · 100+ reviews on Google43 yrs in business

The Welling Agency helps families with financial services, insurance needs and asset protection. Since 1983 it has served the Fort Bend, Sugar Land, Richmond, Katy, Spring, Woodlands and Greater Houston areas.

AutoBoatCommercial GLHomeowners+4 more
Sugar Land, TX· 2.9 mi
Carriers: American Family Home Insurance Company, American Modern Home Insurance Company +21-2 agents
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H Listed
Henry Phan - State Farm Insurance Agent
4.9 · 100+ reviews on Google

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.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Sugar Land, TX· 4.2 mi
Carriers: State Farm
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C Listed
Christian Vien Agency: Allstate Insurance
4.8 · 100+ reviews on Google

Christian Vien Agency is an Allstate insurance agency in Missouri City, TX offering auto, homeowners, renters, motorcycle, boat, and life insurance. The agency emphasizes community relationships and personalized coverage options for local families.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Missouri City, TX· 3.8 mi
Carriers: Allstate
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K Listed
Ken Quach - State Farm Insurance Agent
4.9 · 100+ reviews on Google30 yrs in business

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.

AutoBoatCommercial GLHomeowners+4 moreSpanish, Vietnamese
Sugar Land, TX· 2.7 mi
Carriers: State Farm1-2 agents
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K Listed
Kaizen Insurance Group LLC
4.8 · <100 reviews on Google

Kaizen Insurance Agency is a Sugar Land, TX based agency offering auto, homeowners, and commercial insurance solutions. They partner with multiple carriers to find competitive coverage and focus on personalized, responsive service for individuals and businesses.

AutoCommercial GLCommercial PropertyHomeowners+2 more
Sugar Land, TX· 3.0 mi
Carriers: Agricultural Workers Mutual Auto Insurance Company, Alinsco Insurance Company +37
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R Listed
Ryan Treesh: Allstate Insurance
4.8 · <100 reviews on Google

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.

AutoBoatCommercial GLHomeowners+4 more
Sugar Land, TX· 3.4 mi
Carriers: ANCHOR GENERAL INSURANCE COMPANY, Aegis Security Insurance Company +41
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K Listed
Krystal Davis Francis: Allstate Insurance
4.8 · 100+ reviews on Google42 yrs in business

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.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Sugar Land, TX· 2.4 mi
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +101-2 agents
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F Listed
Farmers Insurance - Matthew Pham
4.9 · 500+ reviews on Google

Find a Farmers Insurance Agent in Missouri City, Texas. The site lets visitors get a free, no‑obligation quote and search for agents by location or name.

AutoCommercial GLHomeownersLife+2 more
Sugar Land, TX· 3.1 mi
Carriers: Farmers Insurance1-2 agents
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T Listed
Tabak Insurance Agency
4.8 · <100 reviews on Google

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.

AutoCommercial GLCommercial PropertyHomeowners+2 more
Sugar Land, TX· 2.3 mi
Carriers: Ace American Insurance Company, Berkshire Hathaway Direct Insurance Company +11-2 agents
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A Listed
Al Johnson - State Farm Insurance Agent
4.8 · <100 reviews on Google13 yrs in business

Al Johnson is a State Farm insurance agent serving the Houston area since 2013, with offices in Missouri City and Sugar Land. The agency offers a multilingual team and a range of products including auto, homeowners, renters, life, motorcycle and boat insurance. They aim to help lower‑to‑middle‑income families understand and secure their finances.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Sugar Land, TX· 3.1 mi
Carriers: State Farm1-2 agents
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L Listed
Lance Ragle - Allstate Insurance Agent
4.8 · <100 reviews on Google32 yrs in business

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.

AutoBoatCommercial GLHomeowners+4 moreSpanish, Hindi
Sugar Land, TX· 2.8 mi
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +211-2 agents
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C Listed
Credible Coverage
4.8 · <100 reviews on Google

Credible Coverage is a veteran‑owned, BBB‑accredited independent brokerage that helps individuals plan for retirement and healthcare. They offer education and support for Medicare, health coverage add‑ons, 401(k), annuities, IRAs, mortgage protection, life insurance and college planning. Their team guides clients through every step to ensure confidence in their future.

AutoCommercial GLHomeownersLife+2 more
Rosenberg, TX· 3.0 mi
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Better Health of Kansas Inc. +341-2 agents
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A Listed
Al Johnson - State Farm Insurance Agent
4.9 · 100+ reviews on Google13 yrs in business

Al Johnson, a Texas native and State Farm® Insurance Agent, opened his first office in Pearland in 2013 and now operates three locations serving Houston and surrounding areas. His multilingual team helps customers with auto, homeowners, renters, small business, life insurance and other financial services.

AutoCommercial GLHomeownersLife+2 moreSpanish
Missouri City, TX· 3.9 mi
Carriers: State Farm1-2 agents
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P Listed
Prosafe Insurance
4.8 · <100 reviews on Google

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.

AutoHomeownersLifeFlood+5 more
Sugar Land, TX· 4.4 mi
Carriers: ASI Lloyds, Aegis Security Insurance Company +431-2 agents
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J Listed
Jason Deitz - State Farm Insurance Agent
4.8 · <100 reviews on Google5 yrs in business

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.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Richmond, TX· 6.5 mi
Carriers: State Farm
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C Listed
Crestar Insurance
4.9 · 100+ reviews on Google20 yrs in business

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.

AutoCommercial GLFloodHomeowners+3 more
Missouri City, TX· 7.0 mi
Carriers: ACCC Insurance Company, Agricultural Workers Mutual Auto Insurance Company +37
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D Listed
Dwyatt Gentry - State Farm Insurance Agent
4.8 · <100 reviews on Google47 yrs in business

Dwyatt Gentry is a State Farm insurance agent serving Fort Bend, Harris and Brazoria counties in Texas. Since 1979, the agency offers auto, home, renters, life, business, boat and motorcycle insurance along with free quotes. The team aims to protect clients’ families and financial future.

AutoBoatCommercial GLHomeowners+4 more
Missouri City, TX· 4.2 mi
Carriers: Allied Trust Insurance Company, American General Life Insurance Company +14
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A Listed
Amtex Insurance
4.3 · <100 reviews on Google25 yrs in business

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.

AutoCommercial GLHomeownersMotorcycle+2 more
Sugar Land, TX· 5.4 mi
Carriers: ACCC Insurance Company, American Access Casualty +10
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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.

Homeowners insurance in other Texas cities

Other insurance types in Sugarland