(713) 782-2886 | (800) 374-9227 ☰ ˟
Logo
Local (713) 782-2886 Toll Free (800) 374-9227
  • Home
  • Personal
    • Auto
    • Condo
    • Flood
    • Health
    • Homeowners
    • Life
    • Mexico Travel
    • Motorcycle
    • Renters
    • Texas SR-22
    • Texas RV
    • Texas Umbrella
    • Watercraft & Boat
  • Commercial
    • Builders Risk
    • Commercial Auto
    • Commercial Property
    • General Liability
    • Landlord Risk
    • Tenant Liability
    • Texas Auto Dealer
    • Texas Garage Liability
    • Texas Workers Compensation
    • Restaurant
  • Surety & Fidelity Bonds
    • Auto Dealer Bond
    • Auto Title Bond
    • Dishonesty Bond
    • Tax Bond
    • TABC Liquor Bond
    • License & Permit Bond
  • Service
    • Make a Payment
    • Policy Inquiry
    • Request Certificate of Insurance
  • Resources
    • HAR.com
    • HCAD.org
    • Bankrate.com
    • DMV.org
    • Texas.gov
    • Insurance Glossary
    • Frequently Asked Questions
    • Blog
  • About Us
    • Location Map
    • Privacy Policy
    • Refer a Friend
    • About Us
    • Testimonials
  • Contact Us
Home > Blog > 5 Reasons to Switch Texas Homeowners Insurance Providers
MONDAY, OCTOBER 7, 2013

5 Reasons to Switch Texas Homeowners Insurance Providers

Many people make the mistake of coming to a decision under one set of circumstances and then sticking with it forever – regardless of whether situations change in later years. Take cable television, for example. The cable companies rely on customers never looking for better deals while rates continue to go up.

It can be like that with Texas homeowners insurance as well. Sure, there are reasons to stay with your current provider – some offer loyalty discounts for keeping your coverage with them. But that doesn’t mean you shouldn’t look into changing to a different carrier.

Your premiums increased

This is the reason most people start looking for greener pastures. However, make sure there isn’t a good reason you’re paying more for coverage. If you’ve filed a number of claims, your carrier likely will increase the amount you’ll pay for coverage. But keep in mind that every carrier will have access your claims history.

Still, if you’re paying more and you don’t know the reason why, it might be a good time to shop your coverage.

You want to bundle services

One of the best ways to save money on insurance is by bundling services with the same provider. For example, if you buy auto and home insurance from the same provider, you could save up to 20% on premiums.

That’s one of the most well-known price breaks. But did you know you also could save by adding boat or RV coverage from the same provider? Consider the various policies you have and whether there’s a provider that offers coverage for all.

You’ve made major renovations

If you’ve made major changes to your house, your premiums could be affected. Converting a patio to a sun room, for example, will add to the value of your home, so you’ll want to increase your dwelling coverage – the amount it would take to rebuild your house if it were destroyed by a covered peril.

However, keep in mind that some major renovations could qualify you for discounts or lower base insurance. For example, a new roof could result in lower premiums because providers believe it will stand up better to wind and hail.

You want more discounts

You’ve seen the commercials about home insurance discounts, and you wonder why you aren’t getting more of them. It’s a fair question. One possible answer: Different providers have different discounts, and discounts vary widely by states. Still, it’s worth checking out. Some common ones to ask about:  deadbolt locks, monitored security systems, and households in which no one smokes.

General principle

You aren’t a tightwad, but you believe there could be a better deal. You could be right. Here’s why: Insurance carriers use different algorithms for arriving at their premiums. Another carrier could evaluate your situation and decide you pose less risk than your existing provider believes. That means the new carrier could offer lower premiums.

It’s important to make sure your coverage doesn’t suffer when you switch providers. Lower prices won’t seem like such a bargain if your new provider disappears when you need it. A licensed, independent agent who isn’t tied to one provider can help you evaluate multiple proposals to find the one that suits your needs.

Give ABC Insurance a call at 800-374-9227, for all of your homeowners insurance needs today!
Posted 6:24 PM

Tags: texas homeowners insurance, home insurance texas
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2017
  • 2016
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010

  • auto insurance(7)
  • auto insurance houston(6)
  • auto insurance quote(5)
  • texas homeowners insurance(5)
  • houston auto insurance(5)
  • texas auto insurance(4)
  • home insurance(4)
  • houston home insurance(4)
  • home insurance quote(4)
  • flood insurance(3)
  • houston insurance(3)
  • houston commercial auto insurance(3)
  • insurance(3)
  • homeowners insurance houston(3)
  • homeowners insurance quote(2)
  • house insurance(2)
  • free auto insurance quote(2)
  • commercial insurance(2)
  • homeowners insurance(2)
  • low cost auto insurance(2)
  • houston homeowners insurance(2)
  • commercial auto insurance(2)
  • texas flood insurance(2)
  • affordable home insurance houston(2)
  • sr22(2)
  • auto(2)
  • low cost home insurance(2)
  • texas home insurance(2)
  • home insurance houston(2)
  • houston car insurance(2)
  • truck insurance(2)
  • flood insurance quote(2)
  • houston texas commercial auto insurance(1)
  • houston sr22(1)
  • vehicle insurance quote(1)
  • term life insurance(1)
  • houston tx house insurance(1)
  • 18 wheeler insurance(1)
  • houston renters insurance(1)
  • texas commercial auto insurance.(1)
  • baytown boat insurance(1)
  • katy auto insurance quote(1)
  • texas flooding insurance(1)
  • commercial auto(1)
  • commercial auto insurance houston(1)
  • affordable auto insurance in houston(1)
  • houston cheap car insurance(1)
  • houston auto insurance discounts(1)
  • houston commercial property insurance(1)
  • tractor insurance(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
8811 Westheimer Ste 211 | Houston, Texas 77063
(Phone) 800-374-9227 | Local: (713) 782-2886 | (Fax) 713-785-2711

© 2010-2019 ABC Insurance Services Inc, All rights reserved.
Social Social Social
Logo

Powered by Insurance Website Builder