Save On Home Insurance in Sugar Land, TX | TGS Insurance Agency

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Sugar Land, TX

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Homeowners Insurance  »  Texas  »  

Sugar Land

Sugar Land Homeowners Insurance Made Easy with Quick, Accurate Quotes! 

Comparison Shop Home Insurance in Sugar Land, TX from Multiple Carriers in Minutes

As an independent insurance agency, we’re carrier agnostic so we don’t work for one insurance provider, we work for you! When you input your address, your policy is immediately shopped against our bank of A-rated (or better) carriers to find you the best policy possible to fit your needs in seconds. 

How Much is Home Insurance in Sugar Land, TX?  

The average cost of homeowners insurance in Sugar Land is about $2,237/year. The average TGS Insurance policy for Sugar Land is $1,891 which means our customers are saving an average of $346 per year. Don’t wait, find out how much you could be saving too!

How Much is Flood Insurance in Sugar Land, TX?  

The average cost of flood insurance in Texas is $634 per year through the National Flood Insurance Program (NFIP). On average, TGS Insurance customers in Sugar Land pay $482 per year- that’s a total average savings of $152 per year! The average flood insurance policy takes 30 days to go into effect and some policies won’t be written due to storms, so don’t delay and get your flood insurance policy in Sugar Land, Texas today.

What Does Sugar Land Home Insurance Cover?

Homeowners insurance in Sugar Land provides peace-of-mind and financial protection that your home and everything in it will always be covered should a disaster strike. The standard Sugar Land homeowners insurance policy will provide protection for your home, any detached structures, and any personal items in your home including furniture, technology items, jewelry and other valuables. The standard homeowners insurance policy will provide you with financial assistance should your home be deemed unlivable, or if someone were to have an accident or injury on your property.

Additional Coverages for Your Sugar Land Home Insurance Policy

Sugar Land homeowners know all too well that Texas weather can be wildly unpredictable and your homeowners insurance should cover for any peril that may come your way. Most standard policies will cover common perils such as explosions, fire, hailstorms, theft, vandalism and windstorms unless specifically excluded in your policy. And it’s a common misconception that flood damage is covered by your standard homeowners insurance policy, and that’s simply not the case. If you want flood damage protection, you’ll need to purchase a separate policy for complete coverage against all of the elements.

Insurance Coverage for Hail Damage in Sugar Land

There have been 13 severe thunderstorms reported in Sugar Land within the past 12 months with 1 of those producing hail. Hail storms can produce a significant amount of damage to your home and roof that could result in thousands of dollars in repairs. And unfortunately sometimes hail damage isn’t included in your homeowners insurance policy as s standard covered peril.

THE TGS DIFFERENCE: We believe every homeowner in Sugar Land should be 100% protected against all of the elements, including hail. That’s why we automatically write-in hail protection as part of your standard homeowners insurance policy with a 2% hail/windstorm deductible. You can easily raise or lower your deductible based on your personal preference!

Insurance Coverage for Windstorm Damage in Sugar Land

Sugar Land homeowners are not immune to stormy and windy days which is why all homeowners should consider windstorm coverage as part of their homeowners insurance policy. Windstorm coverage protects your home should there be a tornado, hurricane, tropical storm or other named peril in your policy.

THE TGS DIFFERENCE: Our team firmly believes that every homeowners policy we issue should provide the most protection possible and that’s why every policy comes with windstorm coverage as a standard. Most policies are written with a 2% windstorm/hail deductible that can be easily customized based on how much coverage you want. It’s insurance the way you want it!

Insurance Coverage for Flood Damage in Sugar Land

Hurricane Harvey was a catastrophic and devastating event that showed every homeowner in Sugar Land that no home is safe from flood damage. In Sugar Land, flood insurance can average from $400-$2,000 a year depending on where your home is located. The average TGS Insurance customer in Sugar Land pays $482 per year! Homeowners in Sugar Land, TX can easily bundle their flood insurance with their homeowners insurance policy for full protection and no gaps in coverage- all at a great rate!

Home Insurance Carriers in Sugar Land, TX

Allied Trust logo
Allstate logo
American Modern logo
Amwins logo
Aon Edge logo
Appalachian Underwriters logo
ARI logo
ASI logo
Attune logo
Bankers Insurance Group logo
Bass Underwriters logo
Berkshire Hathaway GUARD logo
Branch logo
Bristol West logo
Burns & Wilcox logo
Centauri logo
Collectibles Insurance Services logo
Commonwealth logo
Elephant logo
Encompass logo
Foremost logo
FrankCrum logo
Gainsco logo
Hallmark logo
Hippo logo
Homeowners of America logo
IAT Flood logo
Infinity a Kemper Company logo
Jewelers Mutual Group logo
Kemper Auto logo
Lemonade logo
Mercury logo
Mission Select logo
National General logo
National Summit logo
Nationwide logo
Neptune Flood logo logo
Progressive logo
Roamly logo
Safeco logo
SafePoint logo
SageSure logo
State Auto logo
Swyfft logo
Texas Mutual logo
Travelers logo
USLI logo
Wellington logo

TGS Insurance is Sugar Land's Premier Home Insurance Provider

Sugar Land neighborhood

Sugar Land is one of the most affluent and fastest-growing cities in Texas with almost 90,000 residents. It's one of the best places to work and raise a family in the Houston area because of the affordable cost of living and highly-rated schools. TGS Insurance is one of Sugar Land's leading home insurance agencies.

Sugar Land neighborhood

Sugar Land homeowners all want an exceptional homeowners policy at a great rate. At TGS Insurance, we shop your insurance with 35+ carriers to find Sugar Land residents the best policy. As a locally owned agency with thousands of customers, great customer service and extensive knowledge- we win business from Sugar Land locals daily.

Key Home Statistics in Sugar Land


Total Population in Sugar Land, TX


Average Home Value in Sugar Land, TX


Median Household Income in Sugar Land, TX


Median Age in Sugar Land, TX

Trust TGS Insurance in Sugar Land

Data as of May 29, 2024



$10.1 B

Total Assets Covered Projected


Total Homes Insured


Total Vehicles Insured

Major Neighborhoods in Sugar Land, TX

Image of Riverstone Neighborhood


Riverstone provides its residents with amenities that convenient and easy to get to. The master-planned community has a fitness center, parks, resort-style pools, trails and tennis courts.

Image of Greatwood Neighborhood


Greatwood is located right off of Highway 59. The golf community boasts many amenities including swimming pools, a splash pad, playgrounds, public golf course, walking and jogging trails, volleyball courts and a nature trail.

Image of Telfair  Neighborhood


Telfair is nestled between Highway 90 and Highway 59. The community offers swimming pools, tennis courts, fitness center, trails and lakes.

Image of Sugar Creek Neighborhood

Sugar Creek

Sugar Creek is located along Highway 59. The community has several luxurious amenities including a country club with a 27-hole golf course, tennis courts, pools and fitness center.

Image of New Territory Neighborhood

New Territory

New Territory resides along Highway 90. The community features a rec center, tennis courts, sports fields, fitness room and parks.

Image of First Colony Neighborhood

First Colony

First Colony is a family-friendly neighborhood located near Highway 6. The community boasts many features including parks, pools, playgrounds, disc golf, sand volleyball and tennis courts.

Local Home Resources in Sugar Land, TX

Fire Departments
City of Sugar Land-Fire Station2255 Settlers Way Blvd
Sugar Land, TX 77478
(281) 275-2052