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Texas Department of Insurance
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Lower your home insurance costs: Tips for saving money



We want to help you find ways to save money while still getting the coverage you need.

Check out these tips to get started.

Shop around

Shopping for a better bargain? It's a good idea to shop around to find the policy that best meets your needs and budget.

Ways to save

Shopping guide

Compare rates

Want to compare home insurance rates and companies? Complete your profile on to get sample prices and compare policies. Contact your top choices to get quotes.

Use to compare rates

Ask about discounts

What home insurance discounts do you qualify for? Companies may offer discounts for having a monitored burglary or smoke alarm system, having other policies with the same company, and filing no or few claims in five years.

Lower your home insurance cost by asking for discounts

Improve your home’s safety and your credit score

Do you lock your doors and keep your yard and house maintained?

Do you have a good credit score? Most insurance companies use your credit history to help decide whether to sell you insurance and its cost.

How to save on home and car insurance by staying safe

How credit scores affect rates

Will my premium go up if I file a claim?

How does home insurance work in Texas?

Knowing the ins and outs of home insurance in Texas can protect you and help you get the most from your policy. Learn more in our Homeowners insurance guide.

How are your auto and homeowners insurance costs calculated?

Questions? Call us at 800-252-3439.

Last updated: 9/19/2023