How to lower your homeowner insurance in 2013

So in our last blog we discussed that homeowner insurance rates were going up in Texas in 2013. The impact of hail claims in Mckinney, Plano and Dallas have driven up the cost of home insurance throughout the state of Texas. So what is a home insurance customer to do? Here are three tips to decrease your homeowner insurance premiums in Texas in 2013.... 1.  Bundle.. This is a little secret that GEICO does not want you to know.  By combining your home and auto insurance with the same company.. you can save up to 20% off both your HOME and your AUTO Insurance.   Why does GEICO not want you to know this?  Because they  only write auto insurance. 2. ALARM SYSTEM  ...most companies give up to a 15% discount for having a monitored alarm system ( ADT..BRINKS)  Call your agent and make sure you are getting credit for this discount. 3. SHOP..When you are insured with a captive agent (Farmers, State Farm, Allstate) All they can offer you is the price from their own company.  If they take a rate increase.. you are stuck with the price. You have no options.. zip.. zilch.. nada.   So pick up the phone.. or google for a local independent agent.   They will be able to offer you a number of different options all from A rated companies. If you are looking for a better rate with great service you can always give us a call... Mauceri Bynum Agency  [phone] Or get an online quote at www.minsuranceagent.com