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There are several things you can do to save money on your homeowner insurance policy, Houston.

* Shop multiple companies. The percentage varies depending on the hundreds of dollars for a similar policy.
* Get your house and car insurance with the same company. This will usually give you extra discounts on both policies.
* Consider a higher deductible. A higher deductible can reduce your costs by more than half. But make sure that lenders accept higher deductibles and that you are comfortable with the increased risk.
* Stay with the same company. Often there is an additional discount to be granted, after several years without a claim with the same insurer.
* Get a home alarm system monitored. Most insurers have a discount for this.
* Learn about other discounts. Do business with an agent that you trust. Ask your agent what other discounts you may qualify for.
* Be sure that adequate coverage. What kind of policy you have (HOA, amended HOA, HOB, or other)? What exactly is covered? Is this the right kind of policy for you? If the insured at home enough for reconstruction with high quality materials when it is destroyed? Do you have enough coverage for the contents and you have "replacement cost" evaluation? Do you have a high level of liability coverage? Does the loss of coverage, if you have somewhere else to live while you're at home, the repairs of a loss? The company has a strong financial rating and a good claims department? You do not want to insufficient funds, or of an inappropriate policy.

Texas residents can get more information from my homeowners insurance Houston website. Or call my office at 281-537-2700.

Lamb Insurance Agency (Farmers Insurance) Auto, Home, Life and Business Insurance for Texas - http://farmersagent.com/glamb/

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