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Home insurance protects your home and its contents from disaster, vandalism and theft. It is a necessity for protecting your most valuable possession, but it can be expensive. Fortunately, there are ways to lower the rates of home insurance in Katy Texas.
It is important to shop around for lower home insurance rates, with one caveat: don’t change insurers often. If you stay with the same Katy home insurance provider for many years, you may get a long-term policyholder discount down the road. The discount can be significant, but it can take more than three years to get it. That’s why it’s important to choose carefully from the start.
There are things you should do before you begin shopping for a Katy home insurance policy to ensure lower rates. If you’re buying a new house or updating an older one, here are some things to consider:
Look for a home with updated appliances and systems. You can get lower rates if HVAC, plumbing and electrical systems that are less than ten years old. The systems should also meet current code and safety standards.
Find out what kind of fire protection is available for your home. Insurance rates are lower for homes with professional fire departments and those located close to fire hydrants.
Choose a home that is built to withstand local conditions. Brick homes are more resistant to wind and other elements. Homes in areas that are prone to earthquakes should have a wooden frame and other construction elements that make it less likely to be damaged.
Install and update security and disaster systems. Smoke detectors, burglar alarms and efficient locks can reduce premiums. Check with a Katy home insurance expert before installing a security system; high end systems can be expensive and may not guarantee a reduced home insurance rate. Simpler measures like dead bolts can reduce insurance costs without a lot of expense.
Look for ways to protect your home from weather related disasters. Storm shutters and weather resistant roofs are some ways to protect your home from high winds and hurricanes.
Once you’re ready to purchase home insurance, shop around for the best rate. It will take some time, but could save thousands over time especially if you choose to do the research yourself. You could save that time by working with a Katy TX home insurance specialist.
Look for discounts for any groups or associations you belong too. Bundling your vehicle, life and home insurance policies can save money too. Finally, you may get a discount if you are retired or have good credit. Talk with a Katy home insurance expert to find out more on how to save on insurance.