1.
Associations also get discounts for members.
Find out if such has been arranged for any association you're part of.
You might already have discounts that have been negotiated for you.
However, some insurers who do not offer any form of discount to your group could still be much more affordable for you.
The simple way you can tell for sure which is better for you is by getting and evaluating quotes from as many different insurers as possible.
It's the sure way of ensuring you're not paying higher premium than you should.
2.
You can get markdowns of about 10% with certain insurers once you're retired.
This discount is based on the assumption that retired persons have more time to take care of their home and are as well likely to spot fires more easily.
3.
Concessions are normally given to policy holders who remain with an insurance company more than three years.
The loyalty discount increases the more the years you stay put with an insurance company.
But do note that the rebate you get for remaining with an insurance company could pale into insignificance if you compare it with what you could save by changing to another insurance company.
Knowing which is better for you is quite easy.
If you get and compare quotes from various insurers you will see what you'll save or lose by switching.
You could save some hundreds of dollars on home owners insurance in Texas by just getting and comparing quotes from at least three insurance quotes sites.
And, it will take you only a total of 15 minutes.