Katy, TX, December 10, 2012 --(PR.com
)-- New homeowners in Texas can lower the cost of their homeowner policy by up to 25% if they will take a few simple steps.
According to Frank Hursh, owner of Katy, Texas-based Insurance Agency Texas (http://www.insuranceagencytexas.com), it is not as hard as most homeowners think to lower the cost of annual homeowner insurance coverage.
“It is not as difficult as most people might think. Every day, as insurance agents, we help our clients do this by following a few simple steps. We advise our clients what to do and those that follow our advice over time, see the cost of their policies fall,” Hursh said earlier today.
The Texas insurance specialist said the first step new homeowners must take is to know everything about their new home.
“We advise them to read up on their home. As the agent, we need certain information to quote the homeowner the best possible rates. We need information about when the home was built, type of roof, how old the plumbing and electrical is, proximity to fire hydrant, home location, five-year claim history, square footage of the home and more. Most of this information they can get from their mortgage company,” Hursh said.
He added that knowing this information upfront allows the insurance agent to work with insurance national companies to get the lowest possible quote.
Hursh said that his agency advises homeowners to consider raising their deductible to get better discounts.
“The higher the deductible, the more discount homeowners receive from insurance companies but we advise homeowners to consider their mortgage requirements as some mortgage companies limit insurance deductibles to $1,000. Homeowners will need to know this information also,” Hursh said.
The insurance agent said homeowners can receive tremendous discount by installing alarm system that is centrally monitored, homeowners over the age of 50 get senior discounts and homeowners that combine homeowner policies with other insurance policies like auto, business and more also get discounts.
“There are advantages to combining insurance policies. Homeowners get to deal with one company and enjoy huge discounts as a result, so that is actually a win-win situation for the policy holder,” Hursh added.
Insurance Agency Texas is a multi-policy agency specializing in business, commercial, life, health, auto, marine, flood, boat, motorcycle, renters, windstorm insurance and other insurance policies.
“As an agency, we provide complete insurance packages to our neighbors in Texas. All anyone has to do is call us 24 hours, 7 days a week at 281-398-1010, toll-free 1-877-398-1010 or contact us through the website at http://www.insuranceagencytexas.com/contactus.html and we will respond immediately,” Hursh said.