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Texas Department of Insurance
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Ways to save money on home insurance

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

One minute of insurance: Home insurance

  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 HelpInsure.com. Then contact the companies you’re interested in and use these tips.

    Learn more: How to shop smart for home insurance (checklist)

  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.

Resources

 

Questions? Call us at 800-252-3439.

Last updated: 6/5/2024