Skip to Top Main Navigation Skip to Content Area Skip to Footer
Texas Department of Insurance
Topics:   A B C D E F G H I J K L M N O P Q R S T U V W X Y Z All

Ways to save money on home insurance


Did your homeowners premium go up? Use these tips to see if you can get a lower rate.

  1. Shop around

    Insurance companies charge different rates, and your company might have raised your rates.

    You can shop around for a better price. Get sample rates at Then contact the companies you’re interested in and use these tips.

    Learn more: How to shop smart for home insurance

  2. Ask about discounts

    Make sure you’re getting all the discounts you qualify for. Ask your insurance company if it offers discounts for:

    • Having a monitored burglar or fire alarm system.
    • Having other policies with the same company (like auto, home, life, etc.).
    • Not filing any claims for three straight years.

    Learn more: Lower your home insurance cost by asking for discounts

  3. Look at your deductible

    Choosing a policy with a higher deductible can lower your premium. But remember that a higher deductible means you might have to pay more out-of-pocket if you have a claim. How much can you afford to pay if your home is damaged?

    Remember: A good price is only a bargain if you also get good service. Call the Texas Department of Insurance (TDI) Help Line at 800-252-3439 to check a company’s complaint record before buying a policy.



Questions? Call us at 800-252-3439.

Last updated: 2/26/2024