Homeowner Insurance Houston

Homeowner insurance Houston can be more costly than in other areas of the state and or the U.S. You can expect to pay $700 or more for homeowners insurance in Houston than the national average. Now that you know this, it is time to talk about a few ways to shave some dollars off those premiums.


Many homeowner insurance companies offer discounts for the following:


  • Age (55 and older)
  • Burglar alarms
  • Deadbolt locks
  • Earthquake retrofitting
  • Fire extinguisher
  • Fire-safe window grates
  • Security system upgrades
  • Sprinkler systems
  • Wind resistant shutters


In addition to these discounts, you can also save some money by raising the deductible on your policy. Raising your deductible from $500 to $1,000 may save you as much as 25 percent on your premiums. If you have separate policies, such as wind/hail or flood insurance, they too will have deductibles that can be raised.


The step that may save you the most money is to shop around. Shop around when you purchase your home and also once a year when you review your policy. Gather about three to five online homeowners insurance Houston rate quotes to see which company offers the lowest prices.

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