Shop around for a better homeowners insurance policy Fort Worth Star Telegram
Buying tips
The Texas Department of Insurance website www.helpinsure.com allows you to check insurers' financial stability, rate history, loss ratios and consumer complaints. You can get sample rates for the top 25 insurers based on home value, age, location and other factors.
You can compare policies on the Office of Public Insurance Counsel website, www.opic.state.tx.us .
Shop around using agents from various insurers. Go to the Independent Insurance Agents of Texas website, www.iiat.org , to find an independent agent. Seek an agent that represents numerous insurers.
Ask for a list of all discounts available, especially when using one insurer for home and auto. Alarm systems, smoke detectors, fire extinguishers and deadbolt locks may add to your discounts. Ask about the cheapest plan offered.
Talk to friends and neighbors about their coverage.
The Insurance Information Institute offers free software to catalog