Texas Home Insurance: Everything You Need to Know

Texans are tough. Most of them live with the constant threat of wildfires, hurricanes and other natural disasters. But Texans are also smart—they know that the best way to prepare for the unexpected is by maintaining a Texas home insurance policy.

Texas Home Insurance Protects Against Wildfires

From Houston to Amarillo, one of the most devastating natural disasters Texas homeowners regularly face is wildfires. In Texas during 2008¹:

• There were over 16,000 wildfires
• Wildfires burned over 1.5 million acres across the state

Home fires caused by other issues such as electrical problems are also common in Texas:

• Texas had 16,398 residential fires resulting in 95 deaths in 2007
• Residential fires cost over $2.8 million in property loss that same year²

Fortunately, basic Texas home insurance covers wildfires and home fires.

Texas Home Insurance Does NOT Cover Flood Damage

Texas has experienced devastating floods in the past, but basic Texas home insurance does NOT include flood insurance coverage. Texas homeowners need to purchase a separate policy to protect themselves—if they don’t, they could face serious financial consequences. Consider these facts:

• One inch of flood water can cause $7,800 worth of damage³
• Texas had over 5,500 flood claims in 2007⁴

Texas Home Insurance Protects Against Property Crime

Millions of Texans live in metropolitan areas with high property crime rates. Texas home insurance helps protect against home robbery,  vandalism, and other damage. For example:

• There were over 228,313 home burglaries in Texas in 2007
• 63 percent of burglaries happen in the day time⁵

You Can Save Money on Texas Home Insurance

Every Texan knows they should compare home insurance quotes,  but it can be difficult to find an affordable policy. Here are some tips to help you save money on your Texas home insurance:

• Adjust your deductible – Increasing your deductible from $500 to $1,000 could reduce your premium by up to 25 percent ⁶
• Save up to 15 percent on your home and auto insurance premiums by purchasing both products from a single insurer
• Look into discounts for installing smoke detectors, security systems, deadbolt locks, storm shutters and fire-retardant roofing
• Shop around for a better rate – Compare free Texas home insurance quotes to find a cheaper policy

Compare Texas Home Insurance Quotes

The average Texas homeowner pays $1,409⁶ a year. Without comparing Texas homeowners insurance policies from the hundreds of agents and providers who partner with InsWeb.com, you’ll never know how much you could save. Just fill out one simple form and agents will provide you with cheap Texas homeowners insurance quotes at your convenience. The whole process is free, and you could save hundreds of dollars a year!