Residential Property Insurance 


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Shopping for Homeowners Insurance

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Is Your Homeowners Premium Quote or Renewal Premium too High?


You may be able to save a significant amount of money on your homeowners insurance if you simply shop.


The State of Texas has developed some easy to use resources to help you shop for homeowners insurance. Companies charge a wide range of premiums for homeowners insurance in Texas.  You can find sample homeowners insurance premiums for your zip code at  For example, sample premiums for a person with good credit, no claims, and a frame home in Tarrant County can range from $1,132 to $3,120.  Of course the insurance coverage provided for these amounts can also vary significantly.  That is why you should compare the coverage provided by the policies you are considering.


You can compare different companies’ policies and find explanations of key insurance provisions and terms at


Some ways policies differ can include: 


  • Does the policy provide named peril or all risk coverage?
  • Does the policy provide actual cash value or replacement cost coverage?
  • What type of water damage coverage does the policy provide?


Comparing policies will help you identify policies that meet your insurance needs.  After reviewing sample premiums and comparing policies, you should do some research about the companies you are considering.  Check the Texas Department of Insurance (TDI) website at  to verify the company is licensed, view its financial information, and to see the number of complaints TDI has received on the company.  You can also contact TDI at 1-800-252-3439 for this information.


Finally, you should contact an insurance agent, or the company directly, to get actual premium quotes and discuss the policies you are considering.  Company contact information may be found at or TDI’s Company Lookup on its website. Questions you should ask include: 


  • What types of property are not covered or have limited coverage?
  • What types of losses does the policy cover and what type of losses are not covered?
  • What discounts or credits do you offer?
  • What is the dollar amount of each deductible? 
  • What type of loss does each deductible apply to and how is each deductible applied?


Hopefully these tools will help you save some money and find insurance that meets your needs.  Insurance is a complicated subject that most people do not want to talk about.  We do.  Please contact the Office of Public Insurance Counsel with any insurance questions you may have.  You can contact us at or at 512-322-4143.