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New Texas Legislation Likely to Affect Homeowner Quotes

If a proposed bill is passed by the Texas House of Representatives it could have some positive consequences for homeowners in the Lone Star State. Among other things, the bill proposes to change how claim disputes are mediated and settled, removes the maximum replacement value of an insured home, and eliminates the requirement that homeowners buy flood insurance.

How the Changes Could Affect Texas Home Insurance Quotes

It’s clear that homeowner quotes in Texas will be more flexible if the bill passes. Without a flood insurance requirement, a homeowner quote could be several hundred dollars less per year, while removing the cap on the replacement values of insured homes would allow more affluent homeowners to get homeowner quotes that reflect the true value of their homes. And though not reflected in homeowner quotes, better regulations for dispute mediation will most likely be to the consumers’ benefit.

Be Realistic When Requesting Homeowner Quotes

Despite the prospect of more flexible insurance legislation, homeowners should remain realistic when requesting homeowner quotes. Even if a homeowner can save cash on his premiums by not adding flood insurance to his policy, if his home is located in a flood-prone area, he’s best advised to get flood insurance to cover the costs of damages in the event of a flood. For any homeowner, it’s a smart idea to compare homeowner quotes periodically to find out if there’s a better insurance deal available. An online comparison site like AgentInsure allows homeowners to request and compare homeowner quotes free of charge before selecting the policy that offers the desired amount and type of coverage at an affordable price.

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