Texas home insurance renewal checklist.

Ask what changed

The Texas Department of Insurance advises homeowners to ask their company to explain increases and confirm available discounts. Start there before shopping only on price.

Check deductibles and roof terms

Review all-perils, wind, hail, and named-storm deductibles. Also compare whether roof coverage is replacement cost or actual cash value, and whether age or cosmetic damage limitations changed.

Compare coverage, not just premium

A lower quote can be useful, but only if you understand what changed. Compare dwelling coverage, personal property, additional living expense, liability, water backup, and endorsements before switching.

Official Texas resources

• TDI: how insurance costs are calculated
• TDI home insurance guide
• OPIC: why insurance rates are increasing in Texas

Contribute to the tracker

Texas homeowners can report a renewal change anonymously. RateReceipt does not ask for your ZIP code, insurer, address, or policy number.