Austin homeowners insurance can be rather expensive compared to nationwide averages. Texas as a state costs about $500 more per year for homeowners insurance than the national average, and Austin is one of the more expensive regions of Texas in which to insure a home. This does not mean you cannot save money on a quality homeowners insurance policy.
If you have not yet purchased a home, you will want to consider the cost of insuring any home you are serious about buying. Issues such as the neighborhood crime rate, proximity of fire and rescue services and the likelihood of natural disasters (flood, wild fires, etc.) will greatly affect your premiums.
When searching for someone to insure your home, look to your current auto insurance company. Virtually all insurance companies that offer both auto insurance and homeowners insurance will offer you discounts on both lines of insurance if you insure both your home and vehicle with them.
There are also a few things you can do once you are in your home to reduce your premiums. Things such as increase the safety of your home through smoke alarms and fire extinguishers can lower your premiums. Also, make your home more burglar resistant with deadbolt locks and even a security system.
Finally, nothing beats a little research to find the best deal out there on Austin homeowners insurance. Shopping around using online homeowners insurance quotes is a quick way to save hundreds of dollars per year.