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Texas Department of Insurance
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September 7, 2023

How to shop for home insurance


Are you wanting to lower your home insurance costs?

Consider shopping for a new policy. Plan ahead by starting a month or more before your current policy expires.

Shopping tips:

  • Ask your agent if a premium increase or other changes in your policy are in the works. This helps you make comparisons.
  • Visit to get estimated premium quotes from different companies.
  • Consider a higher deductible, which could reduce your premium.

You can hear more on shopping for home insurance in the Texas Insurance Podcast.

Learn more