YOU ASK:

How can I find a cheap Texas home owner insurance quote?

WE ANSWER:

You can get a home owner insurance quote from any website offering online quote tools. This is a free and easy way of obtaining multiple quotes from different home owners insurance providers. However, we cannot talk about cheap home owner insurance in Texas which is one of the states with the most expensive home insurance policies.

How to Save on Texas Home Owner Insurance

Compared to the national medium which is about $800, Texas home owner insurance costs around $1,400 a year on average. Therefore, when we talk about finding a cheap home insurance quote, this means anything that is around or a bit below the average annual premium for the state of Texas.

There are a few money-saving tricks which can help you find a fairly affordable Texas home insurance quote:

  1. Shop around and compare prices and coverages.
  2. Raise your deductible as much as you can afford.
  3. If you prove that you are doing your best to lower the risk of loss, companies are likely to reduce your premiums. The following common discounts are offered in the state of Texas:
    • Senior citizen discount;
    • Multi-line discount;
    • Discount for keeping the premises in good condition (subject to certain standards set by each company);
    • Discount for installing security devices, such as fire, smoke and burglar alarm;
    • Discount for insuring a house to its full replacement cost;
    • Discount for a clean claims record (no claims in the past three years);
    • Discount for having a fire extinguisher or an automatic sprinkler system;
    • Discount for installing an impact-resistant or a non-combustible roof.
  4. Check each policy's exclusions and the available endorsements.

If - for one reason or another - you are unable to find the right home owner insurance quote, you can contact the Texas Department of Insurance. If you have been denied home insurance by at least two private insurers, you may qualify for insurance provided by the Texas FAIR Plan Association.

The Texas Windstorm Insurance Association offers last-resort coverage for wind and hail to home owners living in the following counties: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Harris (east of Highway 146), Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy.

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