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Texas Department of Insurance
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September 2023

How to get home insurance discounts


model of house sitting on money

Do you want to lower your home insurance costs?

Make sure you’re getting all your discounts.

Ask your insurance agent or company about possible discounts such as a:

  • Safe home discount, especially if you have a security alarm.
  • Smoke alarm or sprinkler discount.
  • New home discount. If your home was built or renovated in the last five years, your insurance company might reduce your premium.
  • Roof discount. Companies often offer discounts for roofs made of materials that help prevent damage or resist fire. Homes with newer roofs may get a roof age discount.

You also might get a discount for having multiple policies with the same company.

Also, shopping different companies could pay off. Get sample rates at the Texas Department of Insurance’s

Have a question about insurance? Call the Texas Department of Insurance at 800-252-3439 or visit