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Texas Home Owner Insurance

To get the best prices on your Texas home owner insurance, you should know what discounts the insurers offer:

Check with your Texas home owner insurance company to see if you qualify for any of the following discounts. The amounts listed are maximum discounts:

Age of house (companies set own standards) = 15 percent

Noncombustible roof = 2 percent

Premises in good condition (companies set own standards) = 2 percent

Good claims experience for three consecutive years = 5 percent

Other policies with same company or group = 5 percent

House insured to full replacement cost = 5 percent

Senior citizens discount = 5 percent

Burglar, fire, and smoke alarm systems that do not qualify for the mandatory electronic -- security discount may qualify for an optional discount:

Central station = 12 percent

Remote alarm = 10 percent

Local alarm = 2 percent

Combination fire, smoke, and burglar alarm system = 15 percent

Automatic sprinkler systems that do not qualify for the mandatory discount = 8 percent

Fire extinguishers = 2 percent

Home security devices = 5 percent

Stovetop fire suppression devices = 1.5 to 6 percent

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