Texas Home Insurance Discounts: How to Save on Your Premiums

Texas homeowners know that insurance premiums can add up fast—especially with rising property values and unpredictable weather patterns. But many don’t realize there are several ways to reduce those costs. By taking advantage of home insurance discounts, you can protect your investment without overpaying.

1. Bundle Your Policies
   One of the easiest ways to save is by bundling your home and auto insurance with the same provider. Many insurers offer a multipolicy discount, leading to significant savings each year.
2. Upgrade Your Home’s Safety Features
   Installing a security system, smoke detectors, fire extinguishers, and deadbolt locks can make your home safer—and lower your risk in the eyes of insurers. Some companies also offer discounts for storm shutters or impact-resistant roofing, which is especially important in Texas where hail and wind damage are common.
3. Maintain a Good Credit Score
   In Texas, insurance companies may use credit-based insurance scores to help determine premiums. Keeping your credit score healthy can result in better rates and eligibility for additional discounts.
4. Increase Your Deductible
   Raising your deductible can lower your premium, although you’ll pay more out of pocket in case of a claim. It may be a good option for homeowners who have a solid emergency fund.
5. Stay Claim-Free
   Many insurers reward policyholders who haven’t filed claims over a certain period. If you’ve gone several years without a claim, ask your agent if you qualify for a loyalty or claim-free discount.
6. Shop Around and Compare
   Even if you’re happy with your current provider, reviewing your policy annually and comparing quotes is smart. Companies weigh risk factors differently, so shopping around can uncover better rates or new discounts.

Contact Us

With a little research and some proactive updates, you can lower your home insurance premiums without compromising coverage. Talk to Shelby Insurance Agency today to find out which discounts might apply to your policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.