The Importance of Homeowners Insurance

For many people in Texas, their home is their largest and most important investment. More people than ever before are trying to figure out ways to decrease their monthly expenses. One area that people often look at is their homeowners insurance. There are many different homeowners insurance policies that people can choose from. In an effort to save money, many people will simply choose a policy that does not fit their needs as a family. Over the long term, this will actually result in higher overall housing costs in the form of repairs. Always make sure to keep the long term in mind when you are making any investment decisions. There are a lot of people who are interested in saving money on their homeowners insurance policy. However, here are a couple of reasons why it is so important to have a quality homeowners insurance policy, try starting at

Repair Costs the Homeowners Insurance Will Cover

Over a long enough period of time, every home will have some sort of repair cost to deal with. There are many people who do not like to pay for repairs on their home as they come up. Having a solid homeowners insurance policy can go a long way in paying for the damage in a home. There are many people who have been able to save a ton of money on repairs by having their homeowners insurance policy cover it. If you live in a home where repairs are likely down the road, it is a good idea to take some time to find a quality policy that is going to cover your needs. There are many different homeowners insurance policy options on the market today that can be chosen from. If you are looking to make the best decision for your home, think long term in this area. Repair costs can be a huge burden on the finances of many people. Always make sure to keep this in mind when choosing a homeowners insurance plan.

Shopping For Homeowners Insurance Coverage

One good way to save money on your homeowners insurance costs is to simply shop around for coverage. There are many different reasons that this is a good idea to save money on your insurance policy. Insurance companies want your business, and they are willing to give discounted rates in order to get it. With the internet today, it is easier than ever before to shop around for coverage in your area. Always keep this in mind when you are going to look for homeowners insurance coverage. This is one of the best ways to save over the long term without compromising the quality of the insurance policy that you bring in. Your home is your largest and most important investment. It is vital to protect this investment with the best insurance policy that you can afford. Over the long term, shopping coverage can help you afford more than you would be able to otherwise.


For many people in Texas, having a home is a right of passage. A home is one of the most important purchases that a person will ever make. If you are interested in protecting your home, it is vital to have a quality insurance policy that will do the job for you. Over the long term, a good homeowners insurance policy will actually save you money in repair costs. This is a great decision for anyone who is looking to both save money and protect the home that they live in. Over the long term, there are many different ways to save on coverage such as comparison shopping.

What Makes Homeowners Insurance Houston Premiums So Expensive?

Here is a sobering statistic for residents of Houston, Texas who have no choice but to purchase homeowners insurance Houston policies. Out of nearly 300 cities across the Lone Star State compared for prices of homeowners insurance, homeowners insurance Houston costs scored in the top 10 most expensive in the entire state, with an average homeowners insurance Houston insurance policy annual premium of an eye-watering $2,245 per property. This should be cause for alarm among Houstonians, or at least should give them pause for thought about why it is so very high and what, if anything, can be done about the astronomical levels that really are some of the highest in the continental United States and not just in Texas. Get better insurance rates at It really comes down to only a few reasons for why the good people of Houston get pounded for their homeowners insurance Houston premiums, and there are some things that can be done about this to ease the horrific premium strains for families and individuals who own their own homes and properties here.
What Makes Cities Outside of Houston So Much Less Expensive for Homeowners Insurance Policies?

Homeowners Insurance Houston Premiums are Higher than Other Cities

There is no single reason why homeowners insurance policies are so much less in fully 266 different cities in Texas than they are in Houston, but there are several indicators as to why this is the case. The countless cities which boast lower, and sometimes drastically lower, insurance annual premiums than Houston (El Paso comes in at a cool $824 and Taylor at $987) have a few things in common that homeowners insurance Houston lacks.


Homeowners Insurance in Houston

For one, most of these far more reasonably priced homeowners insuring cities throughout the great state of Texas are found far away from the Gulf of Mexico. This matters hugely because of the extra premium that is built in due to the risks of being hit by a hurricane or tropical storm during the more or less half a year of terror every annum known as hurricane season. While Houston does not historically demonstrate a great number of direct full-on hurricane or tropical storm hits, it has suffered enough near misses that it scores high in the danger zone realm of possibilities for the “big one” to eventually make landfall in or near the enormous city. This can make it difficult to obtain any priced homeowners insurance Houston policies, and not simply an astronomically higher one.
Other Factors that Impact Homeowners Insurance Houston Rates

Additional Possible Natural Disasters

Houston suffers from a number of other disadvantages where the pricing and risk factors of homeowners insurance rates and premiums are concerned. The city is also nearer to the northern parts of the state, where tornado incidents begin to creep higher the farther one travels north. There are other natural disaster dangers for which Houston scores alarmingly high in the realms of probability as well, such as wildfires and mudslides. It is a fact of life and nature that those who live in cities like Houston with higher degrees of danger from these and other so-called “Acts of God” will pay more dearly for their annual premiums than those cities that suffer from lower probabilities of the same natural disasters.
Crime Rates in Houston and How They Affect Homeowners Insurance Houston Rates

Many residents of Houston may not consider the problem that their city has with its crime and violent crime index and rates. The crime index for Houston is 4 out of 100, where 100 is safest. This translates to Houston being safer than merely 4% of all American cities. With a property crime rate of 47.42 crimes per 1,000 residents, Houston has an astronomically high property crime rate of over 4.7%, the highest in not only Texas, but among the highest in the entire United States.

Crimes against property have a direct and serious bearing on the cost of homeowners insurance rates, since the insurance company majors rightly deduce that cities with higher crime, and especially with significant property crimes, will have a greater chance of damage being done to a home or outside property and a greater likelihood of one or more damage claims being filed by the homeowners themselves. Anyone who thinks these property crimes are bad should consider that the violent crime rate in Houston is so high that it is regarded as the most dangerous city in Texas out of the 246 it is compared against.
What Can Be Done to Reduce These Dangers and Premiums for Houston Homeowners?

Improvements to Homes That Reduce the Likelihood of Damage from Natural Disasters

The first thing that concerned Houstonians can do, absent moving to a less dangerous location and city, is to attempt to make their homes more resistant to natural disasters. Interested parties can start by querying their homeowners insurance company about the subject to learn what sort of discounts for home improvements might be available to them. Houses can be made better resistant to windstorms, hurricanes, tornadoes, and other natural disasters like flooding and wildfires. Something as simple as putting on shatter- proof glass, including storm shutters on windows, or reinforcing the roof itself may save hundreds of dollars in premiums each year.

Improvements to Homes That Reduce the Chances of Becoming a Victim of Burglary and other Property Related Crimes

While Houstonians may not be able to change the course of oncoming hurricanes, tropical storms, and tornadoes, they can do something about the chances of being victimized by burglaries and other property crimes. Insurance companies have all demonstrated a willingness to reduce premiums for those who improve the safety features of their homes.

This starts with installing automatic electric gates, alarms, security cameras, and other safety features that will deter crime from property and houses. Organizing an official neighborhood watch may also help convince the big insurance companies that steps are being taken to ensure that these homes do not suffer from a high chance of being burglarized or victimized. Improving the safety and security of homes definitely reduces the chances of a burglar being likely to target a house or a neighborhood, and this reassures the insurance company majors and encourages them to lower homeowners insurance premiums apace. Getting the community property insurance risk rating reduced from ten down towards 1, the best score communities can obtain, will make all the difference in premiums in the world.

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