Fire Insurance Quotes

 

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Texas Fire Insurance Quotes

Everything is big in Texas right? Well we want to make sure your home fire insurance premium is not big. We provide an online tool that homeowners in Texas can use to find low cost fire insurance. As a property owner you know that a home is one of the largest if not the largest investments you will ever make. Make sure you protect that investment with the best coverage possible at an affordable price.

Get Texas fire insurance quotes from top companies in cities like Houston, Dallas, Frisco or Fort Worth. Insurance agents in these towns are ready to provide a competitive quote so you can save some time and money when shopping for insurance. Working with us to provide the best experience online are top agents from the most reputable insurance companies in the nation.

Credit history used to determine your policy premium

Most states by now have made it lawful to use credit as a rating tool for insurance companies. This means that it will be cheaper for those who have better credit histories to get insurance. While this may sound unfair to those who don't have great credit it has been shown that those with better credit tend not to make as many claims. If you want to get the lowest rate on home fire insurance in Texas then be sure your credit is in good shape.

Most insurance companies will use different ways to determine how credit affects the premium of a policy but the better the credit the lower the premium. This can mean that a consumer with a high FICO score of 730 may not get a better rate than someone with a 690 score. The insurance carrier may look at payment history to determine rates versus another may look at outstanding balances. Just understand that having your credit in good order will not only help you with loans but also insurance rates.

What else affects my fire insurance premium?

Each company rates a risk differently but they all tend to share some common principals. Here is a list of conditions that may impact how expensive your premium is:

  • Location - if you live in an area that is prone to severe weather or high crime
  • Claims history - have you filed claims in the past 3 to 5 years, if so some companies will surcharge your premium
  • Age of property - the older the home the more costly it can be to replace certain items and the condition of the house may be worse
  • Construction materials - the material a home is made out of can impact how it is damaged in a fire or tornado. Heavy material like stone or brick can better withstand both of these and is generally cheaper to insure

Home Fire Insurance Basics

When you look at getting home insurance in Illinois many companies will offer package policies that not only insure against fire but other types of losses. The decision to insure a property for only one or two types of losses can be costly if a disaster occurs that is not insured.

Here are a list of home fire insurance policy types:

HO-1: A bare bones policy that protects against theft and most weather losses like wind and hail.

HO-2: Building on the HO-1 policy this also provides coverage for ice/snow, falling objects and water damage directly related to freezing pipes.

HO-3: A very popular choice for homeowners looking to cover all physical losses expect those excluded on the policy. No personal property would be included.

HO-4: Covers personal property and liability for damage caused to the unit which is usually rented by a landlord.

HO-5: Includes all the features of the HO-3 plus personal property coverage. Any exceptions listed on the policy are excluded.

HO-6: It is the policy designed for condo owners which may include personal property and liability limits.

HO-8: Offers cash value instead of replacement cost and covers similar types of losses as an HO-1.

Home Fire Insurance by City

  • Houston
  • San Antonio
  • Dallas
  • Austin
  • Fort Worth

More cities are included but these are the largest in Texas.

 

 

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We offer fire insurance quotes in all 50 states. By partnering with leading insurance companies and agents we are able to find you the best policy at the lowest premium.