Homeowners Insurance in Houston

Getting homeowner’s insurance is necessary, but it can be expensive. Many customers are looking for ways to reduce their bill, and the big secret is that there are actually many ways to do so. Homeowner’s insurance carriers in Texas offer many different discounts to customers if they fulfill certain requirements. It is well worth your time to investigate these benefits and see how they might help you save money. Homeowner’s insurance costs a significant amount of money, but going without it is far too risky. So if you are forced to carry the insurance, you might as well get as good a deal as you can.

Insurance companies provide incentives in the form of discounts in order to reduce the chances that anything will happen to the house that would cause the customer to file a claim. There are some basic examples that serve this point. Think about trampolines- most insurance companies would prefer that you not have a trampoline, because someone could get hurt on your property and you might file a claim to cover the costs. Paying you to remove the trampoline is an example of a cost-saving incentive.

There are several major threats that can affect every home and which insurance companies try to control through discounts. The first is fire. The three main tools for controlling fire are detectors, sprinklers, and extinguishers. Accordingly, just about every homeowner’s insurance company offers discounts for installing smoke detectors and water sprinklers, and many have discounts for having fire extinguishers as well. More advanced tech, like temperature sensors attached to a smart home setup, can sometimes also garner a discount, although this is rarer. Make sure to have your insurance carrier verify the presence of fire-prevention devices so that you can get your discount.

Insurance companies also worry about storm damage. Storms can hurl objects around, causing damage when they smash into things. One of the best ways to secure your home from storm damage is by adding an impact-resistant roof. The state of Texas maintains standards on which roofing products count as impact-resistant, but the thing they all have in common is that they are much hardier than a normal roof. This will serve you well if you live in a part of Texas where storms and hurricanes are common. It costs extra to install a storm-safe roof, but your insurance company can help you afford it with a discount. Most carriers, but not all, have this discount, so check first before you install one. Speaking of roofs, there are also fire-resistant roofs, but these are much less likely to earn you a discount.

These are just a few examples of the way your home’s design and materials can save you money. It’s a good idea to call up your insurance carrier and ask for a detailed account of all potential discounts and incentive programs they offer. Then you can decide which of them are worth pursuing. You might be surprised to learn that you might already meet the requirements for some of them. If you don’t follow up, you are giving up on free money. Many of the discounts are easy to obtain because you just need to add one thing or make a small change. So learn about what your company has to offer and dive in.