Blog - Home Insurance

Why Did My Home Insurance Go Up?

Texas Homeowners, Check Before You Renew

Your house did not get bigger.

Your mortgage may be the same.

But your home insurance premium may still go up.

For many Texas homeowners, the reason can include weather risk, hail claims, roof age, rebuilding costs, repair costs, deductibles, and ZIP-code-based pricing.

The biggest mistake is simple:

Renewing without reviewing.

At Two Rivers Insurance Agency by Ken Zschappel, we help Texas homeowners review their home insurance before they pay another renewal.

Why home insurance can change

Your home insurance cost may be affected by:

In Texas, weather matters. Hail, wind, storms, and heavy rain can all affect insurance pricing.

Do not only look at price

A cheaper policy may look good at first.

But ask yourself:

The monthly price is only part of the story.

You need to understand what is behind that price.

What should homeowners review?

Before you renew, review:

• Dwelling coverage

• Roof coverage

• Wind and hail deductible

• Personal property coverage

• Liability coverage

• Other structures coverage

• Additional living expenses

• Water backup or extra endorsements

• Bundle options

• Discount opportunities

When should you request a home insurance review?

You should review your policy if:

• Your renewal price increased

• You bought a new home

• You remodeled

• You replaced your roof

• You added a pool, deck, shed, or patio

• You bought expensive furniture or electronics

• You started working from home

• You added a security system

• You do not understand your deductible

• You have not reviewed your policy in over a year

Before the next Texas storm, know your coverage

Do not wait until hail hits or a claim happens to understand your policy.

Two Rivers Insurance Agency by Ken Zschappel
618 Comal Ave, Bldg A New Braunfels, TX 78130

Call: (830) 626-9998

Before you renew, check whether your home insurance still fits your home, ZIP code, and budget.