The 3 Best Ways to Lower the Cost of Homeowner’s Insurance in Austin, TX

Every homeowner in Austin wants to find more ways to save money on their homeowner’s insurance. This necessary expense can be costly–according to the National Association of Insurance Commissioners, the average cost of homeowner’s insurance in Austin, TX is one of the highest in the country. Luckily, there are some strategies you can use to make your policy more affordable. Below are some of the best ways to get discounts on your home insurance.

Get Storm Safe

Hail is a major cause of home damage in Austin, and taking steps to protect your home can result in huge insurance discounts. The best way to do this is to switch to impact-resistant roofing. In fact, insurance agencies in Texas are required by law to offer discounts to homes that feature Class 4 UL roofing. What are the roofing materials that meet national standards? Metal, stone and tile are all great choices, but check with a roofing contractor to be sure. This one upgrade could save you up to 30% on your Homeowner’s Insurance in Austin, TX.

Beef Up Security

In major cities, burglary is always a concern to insurance agencies. A home that is protected against theft and vandalism will almost always be cheaper to insure than a home that’s not. According to the FCIC, outfitting your home with an alarm system that automatically alerts the police and fire department when it’s set off can save you around 20% on your insurance premium. Even something as simple as adding dead-bolt locks to all of your doors can get you discounts of 5%. In any case, beefing up your home security is an effective way to pay less for home insurance.

Bundle Your Insurance Policies

For a super-simple way to save around 10% on your overall insurance costs, consider bundling your homeowners and automobile insurance. Purchasing your insurance packages through the same company almost always results in a discount. With some insurance agencies like State Farm, you could save up to 17% by using this simple tactic.

Homeowner’s insurance in Austin may be more expensive than other parts of the country, but if you’re smart you can lower your costs significantly. To learn more, contact Patrick Court for more cost-cutting strategies in the Austin area.

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