Affordable Homeowners Insurance Rates in Texas

If you have a mortgage on your home, you have to have homeowners insurance. You wouldn’t want to risk not having it any more than you’d risk driving without car insurance or risk not having health insurance. There are many things that you need to consider when looking for affordable insurance for your home.

You can compare homeowners insurance coverage options available to you with the online comparison tool feature of our website. Feel free to use the forms on our website to request a quote. Don’t hesitate to call us if you have questions or need clarification.

Different Policy Options

All homeowners insurance policies give you options to insure your home for all perils or limit it to named perils. While you may pay less for a named perils policy, you run the risk of not protecting yourself against many catastrophes. The cost you pay for having a cheaper policy and less coverage may wind up costing you way more when disaster strikes.

The same goes for choosing actual cash value instead of replacement cost. While your policy will be considerably cheaper if you choose actual cash value, the money the insurance company reimburses you isn’t based on the cost of replacing your home or property today.

It’s based on what you paid for things when you bought them, less the money the company subtracts for depreciation. Again, by going for cheaper coverage, you put yourself in the risky position of possibly having to pay a lot more out of your own pocket, and a catastrophe could wipe you out financially.

Be sure to ask us about bundle discounts. Many companies will give their customers discounts for buying home, auto and other insurance policies from the same company. The bundle discount may mean that all of your policies are more affordable than you thought they’d be.

How to Switch an Insurance Provider in Texas

You found a better deal in your insurance, thanks to getting a free online quote from us. But once you know that there are greener pasturers that give you the same or better coverage, you need to know how the process to change insurance provider without ending up with a gap in your coverage.

The most important part of this process is to talk to your existing insurance company first to see if they will give you better coverage, a better price, or both to try and keep you with the company. If they are unable to offer you a better deal, it’s time to figure out the logistics of switching. You want to make sure that the effective date of your new insurance policy overlaps with the end of your existing policy. You want to avoid coverage gaps at all cost.

After scheduling the switch, the second consideration is whether or not you have to pay a penalty to your existing insurance company for switching before the end of the insurance term. Some will charge you, some won’t, and it’s all down to the fine print on what the situation is.

Once you are completely switched over to the new insurance, you need to get in touch with your previous insurance company. Confirm that the insurance policy is canceled, but only after you know that you’re covered by your new company. It may result in you paying a bit of an overlap, but that’s far better than dealing with the hassle of an insurance gap, as that can raise your rates and cause other problems with your insurance company in Texas.