Enter your ZIP code:

Texas Home Insurance: Not Fun, Not Hip But Oh-So Important

Shopping for Texas home insurance might not be the coolest, hippest, or most fun thing you’ll ever do, but it is an important part of home ownership.  

Dwelling Coverage v. Homeowners Insurance

In Texas, you can purchase two types of insurance: dwelling and homeowner’s.

  • A dwelling policy covers damages to the structure of your home only
  • A homeowner’s policy covers damages to the structure of your home, your personal possessions and liability (if someone is hurt on your property)

Because of the more expansive coverage, homeowner’s insurance is the wisest purchase to make. And, if you’re financing your home, it may be required by your lender. But that doesn’t mean you have to break the bank to pay your premiums.

Determining Home Insurance Rates

When you apply for coverage, your Texas insurance agent will look at a number of factors to determine your premium rates. Common factors include:

  • What materials your home was constructed with
  • Where your home is located
  • Your claims history
  • The kind of deductible you want
  • Any discounts for which you are eligible
  • Other risk factors like having a swimming pool or owning a high-risk breed of dog

Although insurers have certain factors they have to consider, there are ways you can save money while still getting the kind of coverage you need.

Saving On Texas Home Insurance

Finding the best rate is easier than you think! Take these tips from trusted insurance sources like InsureMe.com and the Insurance Information Institute:

Shop around. Different insurers sell similar policies for different prices. Compare plan coverages and rates—and remember to shop your insurance every six months.

Increase your deductible. Increasing your deductible—the amount you pay on a claim before the insurer pays for it—will automatically lower your monthly or bi-annual premiums. Just make sure you choose a deductible you’re comfortable with if you have to file a claim.

Make a few home improvements. Improvements like replacing broken shingles and upgrading your appliances can help you lower your insurance rates.

Ask about discounts. You can receive sizeable homeowner’s discounts if you buy an auto/home combo policy, have electronic burglar alarms, don’t smoke, or have a fire hydrant within 15 miles of your home. And every little bit helps!

Additional Tips for the Road

Once you’ve compared various policy coverages and premiums, take extra precaution and:

  1. Know exactly what your policy covers—and doesn’t. When it comes to home insurance claims, surprises tend to be a bad thing.
  2. Check with the Texas Department of Insurance to make sure your agent is licensed to sell insurance in Texas.
  3. Review the insurer’s financial strength and customer service rating through free Web sites like AM Best.

When it comes to finding great home insurance, remember that affordable rates are only half the equation. Do a little homework on potential insurers to make sure the service is as great as the policy premium!

For more information on homeowner’s insurance in Texas, contact the Texas Department of Insurance Consumer Line at 800-599-SHOP (7467).


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!   
Free Life Insurance Quotes!   
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6650
54 Wisconsin Home Insurance youcomparequotes 6960
53 West Virginia Homeowners Insurance youcomparequotes 6535
52 Washington, D.C. Home Insurance youcomparequotes 8215
51 Washington Home Insurance youcomparequotes 6279
50 Virginia Home Insurance youcomparequotes 6734
49 Vermont Homeowners Insurance youcomparequotes 7055
48 Utah Homeowners Insurance youcomparequotes 6242
» Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7230
46 Texas Home Insurance Quotes youcomparequotes 6753
45 Tennessee Homeowners Insurance youcomparequotes 8333
44 South Dakota Homeowners Insurance youcomparequotes 7025
43 South Carolina Homeowners Insurance youcomparequotes 6285
42 Rhode Island Homeowners Insurance youcomparequotes 6495
41 Pennsylvania Home Insurance Quotes youcomparequotes 6748
40 Oregon Home Insurance Quotes youcomparequotes 12836
39 Oklahoma Homeowners Insurance youcomparequotes 6672
38 Ohio Home Insurance Quotes youcomparequotes 7111
37 North Dakota Homeowners Insurance youcomparequotes 6409
36 North Dakota Home Insurance youcomparequotes 6233
35 North Carolina Homeowners Insurance youcomparequotes 11473
34 New York Home Insurance Quotes youcomparequotes 6939
33 New Mexico Homeowners Insurance youcomparequotes 6852
32 New Jersey Home Insurance youcomparequotes 6289
31 New Hampshire Home Insurance youcomparequotes 6365
30 Nevada Home Insurance youcomparequotes 6482
29 Nebraska Home Insurance youcomparequotes 6340
28 Montana Home Insurance youcomparequotes 6709
27 Missouri Home Insurance Quotes youcomparequotes 6591
26 Mississippi Home Insurance youcomparequotes 6451
25 Minnesota Home Insurance Quotes youcomparequotes 6608
24 Michigan Home Insurance Quotes youcomparequotes 8488
23 Maryland Home Insurance youcomparequotes 6612
22 Maine Homeowners Insurance youcomparequotes 6440
21 Louisiana Homeowners Insurance youcomparequotes 6859
20 Kentucky Homeowners Insurance youcomparequotes 6231
19 Kentucky Home Insurance youcomparequotes 6616
18 Kansas Homeowners Insurance youcomparequotes 6942
17 Iowa Homeowners Insurance youcomparequotes 6422
16 Indiana Homeowners Insurance youcomparequotes 6612
15 Illinois Home Insurance Quotes youcomparequotes 7374
14 Idaho Home Insurance youcomparequotes 6463
13 Hawaii Home Insurance youcomparequotes 6499
12 Georgia Home Insurance youcomparequotes 6587
11 Florida’s Home Insurance Headache youcomparequotes 8032
10 Florida Home Insurance Quotes youcomparequotes 6537
9 Delaware Home Insurance youcomparequotes 6148
8 Connecticut Homeowners Insurance youcomparequotes 6415
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 11023
6 Colorado Home Insurance Information youcomparequotes 7171
5 California Home Insurance youcomparequotes 6611
4 Arkansas Home Insurance youcomparequotes 6743
3 Arizona Home Insurance Quotes youcomparequotes 7709
2 Alaska Homeowners Insurance youcomparequotes 6392
1 Alabama Homeowners Insurance youcomparequotes 6413
XE Login