How to Save on Home Insurance in Texas: Tips for Lowering Your Premium

Homeowners in Texas face a variety of risks, from hailstorms to hurricanes. That’s why it’s important to have the right protection in place. But that doesn’t mean you have to overpay. There are several ways you may be able to reduce your home insurance costs while still maintaining solid coverage.

How Can You Save?

If you’re looking to lower your premium, consider the following strategies:

• Improve home security. Installing smoke detectors, burglar alarms or a monitored security system may qualify you for discounts.

• Bundle your policies. Many insurers offer savings when you combine your home and auto insurance under the same provider.

• Raise your deductible. Choosing a higher deductible can lower your premium, although you’ll want to make sure it’s an amount you can afford out of pocket.

• Maintain good credit. In Texas, your credit score may influence your insurance rate. Keeping your credit in good shape can help.

• Review your coverage. If you’ve made updates to your home or paid off major items, you may no longer need certain coverages. Reviewing your policy annually can help ensure it still fits your needs.

What Else Should You Know?

Some insurers may also offer discounts for being claims-free, installing impact-resistant roofing or even for loyalty. Your insurance broker can walk you through available options and help you find savings that apply to your situation.

Contact Auto Smart Insurance to learn more about how you can manage your home insurance costs in Texas.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.