Grants directory
Texas homeowners insurance discounts and credits described by TDI and Texas law filings
Texas Department of Insurance · State program
Varies by insurer; no statewide fixed amount
Texas insurance guidance says insurers may offer discounts for monitored fire alarms, sprinkler systems, impact-resistant roofs, and other risk-reducing features. TDI does not publish a statewide rebate amount because the insurer sets the discount.
Program details
How it works
TDI’s home insurance guidance explains that discounts can lower premiums, but each company decides which discounts to offer and the amount. This is a statewide insurance market rule rather than a homeowner grant.
Common home-hardening discounts mentioned by TDI
- Monitored burglar or fire alarm system
- Sprinkler system
- Impact-resistant roof
- Newer home or home in good condition
- Multiple policies with the same insurer
- No claims for three years in a row
What this means for homeowners
If a homeowner upgrades features that reduce fire or storm losses, the insurer may reflect that in pricing. TDI points homeowners to HelpInsure.com for company-by-company discount availability.
Limitations
TDI does not give a fixed dollar amount or a universal mandatory discount rate here; it says the insurer decides.
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