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6 Best Homeowners Insurance Companies in Texas of 2022

Home insurance is paramount coverage for any homeowner in Texas. Find out which companies offer the best coverage and options for Texans across the state put together by PropertyNest and which one is right for you.
Austin Texas

A home is nearly everyone’s largest and greatest asset. As a homeowner, you deserve the protection that comes with the best homeowners insurance policy in Texas.

It is wise to protect your home with the very best home insurance policy you can find.

Yet, how can you make that happen when every insurance company in Texas claims to be the best?

We will make the task simple with our guide to the best homeowners insurance in Texas.

Texas is home to many reputable homeowners insurance companies that offer reasonable rates.

Compare the coverage and cost of the best homeowners insurance providers in Texas picked by PropertyNest expert editors:

Best Homeowners Insurance in Texas

  • Allstate: Best Home Insurance For Cost Savings
  • Lemonade: Best Overall Home Insurance
  • Liberty Mutual: Best Home Insurance For Endorsement Options
  • CHUBB: Best Home Insurance For Most Comprehensive Coverage
  • Nationwide: Best Home Insurance for Affordable Rates
  • USAA: Best Home Insurance For Military Families

Allstate: Best Home Insurance For Cost Savings

Allstate Homeowners Insurance Texas
Editors star rating review
5.0
Editor's Rating (5 Stars out of 5)

Allstate has three unique offerings for Home Insurance policyholders. These features allow you to save on the overall cost of homeownership while helping you maximize the benefits of your coverage.

First, Allstate’s Claim RateGuard prevents your premium rates from increasing, even if you file a claim. Claim-Free Rewards from Allstate guarantees customers an annual rebate that stays claim-free for 12 months.

Finally, Deductible RewardsSM offers an initial sign-up bonus worth $100 off your Home Insurance deductible. You also receive an additional $100 for every following claim-free year for up to $500.

Optional coverages are available to complement your Texas House & Home policy, such as Musical Instrument Insurance or Yard and Garden Insurance. These policy add-ons allow you to customize coverage to meet your individual needs.

Other riders for Allstate Home Insurance include Electronic Data Recovery, Green Improvement Reimbursement, Sports Equipment, Business Property, Water Backup, Scheduled Personal Property, and Identity Theft Restoration protections.

Finally, Allstate’s cutting-edge technology tools help you maximize your home security efforts.

For example, the Allstate GoodHome tool offers personalized suggestions based on local insurance claims, public records, and weather events.

The Premium Gauge Tool allows customers to visually understand the factors contributing to premium costs.

Read a full Allstate homeowners insurance review.

Discounts Offered By Allstate
Allstate DiscountsPremium Savings Up to %
Multi-Policy Discount25%
Claim-Free Discount20%
Welcome and Loyalty Discount10%
Early Signing Discount10%
Easy Pay Plan5%

What Type of Coverage Options Does Allstate Offer?

Allstate Home Insurance in Texas includes Dwelling, Personal Property, Liability, Guest Medical, Other Structure, and Additional Living Expenses coverage. You can also choose a selection of optional riders to add to your primary House & Home policy.

A typical Allstate Home Insurance policy includes Dwelling coverage that protects the interior and exterior. You can also protect attached structures like a shed, carport, or fence.

Coverage limitations are usually set according to the appraised value of your home. Personal Property coverage limits tend to be 75% of your dwelling amount.

Guest Medical Payments at Allstate tend to fall between $1,000 and $10,000 per visitor for accidental injuries on your property.

Allstate Home Insurance policies also typically include Additional Living Expenses coverage if your house becomes uninhabitable and you require extra funds to pay for temporary living arrangements.

Getting a quote from Allstate is simple with their convenient online tools. You can also find local agents with extensive industry knowledge.

Allstate agents are familiar with the specific risks of different regions within Texas and can suggest the best supplemental coverage options for your needs.

One of the primary benefits to customers is the wide range of discounts available. You can ask your Allstate agent to find discounts for you at any time if you think you may qualify for new savings opportunities.

Allstate Homeowners Insurance Pros & Cons

Pros
  • Local agents are available in most areas of Texas.
  • Offers home-sharing coverage for homes listed on Airbnb.
Cons
  • Rates are more expensive than other companies in certain areas of the state.
  • Does not offer replacement cost coverage as part of its standard policy.
How is Allstate Homeowners Insurance Rated?
J.D. Power (out of 1,000)815
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index2.05
BBBA-

Lemonade: Best Overall Homeowners Insurance

Lemonade Homeowners Insurance Texas
Editors star rating review
4.5
Editor's Rating (4.5 Stars out of 5)

Lemonade is a good option if you want low rates and a convenient mobile app to handle your policy digitally. What makes Lemonade unique is its completely digital process and self-service tools.

Most of your interactions with Lemonade are with the virtual chatbot Maya. Customers rarely interact with human representatives. Instead, interactions take place digitally via the mobile app.

Lemonade distinguishes itself through its high-tech business approach, which uses artificial intelligence to help you obtain a quote, service your policy, make payments, and file claims.

Another distinct feature is that Lemonade deducts a flat cost from insurance premiums, then donates any leftover money to charity.

When purchasing a Lemonade Home Insurance policy, choose a charity organization to receive unclaimed premiums.

The premiums Lemonade pays are collected with others who choose the same nonprofit.

Discounts Offered by Lemonade
Lemonade HomeInsurance DiscountPremium SavingsUp To
Protective device discountvaries
Multi-policy discountvaries
Annual payment discountvaries
Gated Community discountvaries

What Kind of Coverage Does Lemonade Offer?

Lemonade’s Home Insurance includes Dwelling, Other Structures, Personal Property, Liability, and Additional Living Expenses coverage. Homeowners can also get extra protection for musical instruments, jewelry, and pets.

The Home Insurance policies cover the replacement cost value of the damaged property. That means you will receive reimbursement for the value of brand-new items.

Water backup, extended reconstruction cost, daycare liability, swimming pool liability, equipment breakdown, and buried utility coverage may also be available as add-ons to your Home Insurance policy.

Lemonade Home Insurance protects you from damage to your home or other structures such as sheds. Coverage also offers financial protection from lawsuits or injury to your visitors on your property.

Lemonade Home Insurance packages also provide some coverage for objects outside your home, such as valuables in a storage container.

Individual premiums rates vary widely, but Lemonade advertises Home Insurance policies from $25 per month.

One advantage of the digital claims experience is that most minor claims are paid instantly after receiving your photo and video evidence uploads.

For some, digital and mobile interactions are an advantage. But, if you prefer in-person customer service, Lemonade might not be suitable for you.

Policyholders can bundle pet and Home Insurance coverage for a discount. Unfortunately, Lemonade does not offer savings for bundling Home and Auto policies.

Read a full Lemonade home insurance review.

Lemonade Home Insurance Pros & Cons

Pros
  • Offers a Giveback program to support the policyholders’ favorite charities.
  • Leverages technology well, can submit videos with claims.
  • Cutting edge innovative insurance company.
Cons
  • No financial ratings available.
How is Lemonade Homeowners Insurance Rated?
J.D. Power (out of 1,000)870
BBBB+
NAIC Complaint Index1.94

Liberty Mutual: Best Home Insurance With the Most Endorsement Options

Liberty Mutual Homeowners Insurance Texas
Editors star rating review
4.5
Editor's Rating (4.5 Stars out of 5)

Liberty Mutual maintains alliances with almost 14,000 organizations, including companies, alumni groups, and industry associations. You can get a discount if you are a member of any of them.

If you are searching for a specific bargain, Liberty Mutual offers a variety of discounts that can help you save money. Plus, you may save 10% on your standard insurance in many jurisdictions if you buy it online.

Liberty Mutual provides a variety of attractive choices if you like to utilize digital tools to purchase and manage your Home Insurance policy, including a complete website where you can explore policy options, manage invoices, and submit and handle claims.

If you prefer, you may contact Liberty Mutual directly or utilize their online agent finder tool to speak with a local agent. In Texas, Liberty Mutual has offices in 11 different locations.

Liberty Mutual Home Insurance provides all of the industry essentials and an abundance of uncommon endorsements in the market, such as inflation coverage, to protect consumers from growing rebuilding costs.

Discounts Offered by Liberty Mutual
Liberty Mutual HomeInsurance DiscountsPremium SavingsUp To
Online purchase discount10%
Bundle and save with auto and home$947
Safe homeowner discountvaries
New home discountvaries
Claims-free discountvaries
New roof discountvaries

What Kind of Coverage Does Liberty Mutual Offer?

Liberty Mutual covers a diverse range of Home Insurance endorsements and has several discount options. Coverage and discounts may vary, as can many discount options.

Some factors contributing to your monthly premium include the age of your home, construction materials, size, policy limits, and your exact location in Texas.

Liberty Mutual’s Home Insurance includes all the standard coverages and optional add-ons. You can purchase additional Umbrella, Personal Property, Inflation Protection, Flood, Earthquake, Identity Theft, and Water Backup coverage.

Common complaints on Liberty Mutual's Better Business Bureau page include trouble contacting customer support and their increasing rates.

Some reviews mention speedy claims handling, while others express concern over sudden price increases.

Liberty Mutual allows you to make a home insurance claim by phone, online, or even through your mobile device. After you submit some basic information, the claims representative takes over.

Liberty Mutual may or may not send a field inspector to examine the claim, depending on the severity of the damage. In some cases, you can handle the claim over the phone or via video chat.

Liberty Mutual is suitable for homeowners who want to tailor their coverage with various endorsement choices or who qualify for discounts.

Liberty Mutual may not be the ideal option for cost-conscious homeowners because its rates are somewhat higher than their competitors.

Read a full Liberty Mutual home insurance review.

Liberty Mutual Homeowners Insurance Pros & Cons

Pros
  • Technology is intuitive and easy to use.
  • Offers a mobile app.
Cons
  • Not as dog-friendly as some other insurers.
  • Customer service ratings are lower than many other insurers.
How is Liberty Mutual Homeowners Insurance Rated?
J.D. Power (out of 1,000)805
A.M. Best - Financial Strength RatingA
BBBA+
NAIC Complaint Index2.37

Chubb: Best Home Insurance For the Most Comprehensive Coverage

Chubb Homeowners Insurance Texas
Editors star rating review
4.5
Editor's Rating (4.5 Stars out of 5)

Chubb offers many services as a standard that its competitors typically charge extra for. Chubb’s Masterpiece Homeowners policy includes the most comprehensive selection of protection options.

Policyholders automatically receive Water Backup coverage, Identity Theft Protection, Replacement Cost Value for your belongings, and other advantages.

Your coverage begins with a free home assessment and includes industry-leading protection services from HomeScan, Wildfire Defense, and the Preferred Services Provider Network access.

As a policyholder, you can customize your desired level of personal liability protection for limits from $1 million to $100 million.

Chubb’s claim services guarantee a response within 24 hours. You may not need to file a claim if you use one of Chubb’s proactive fire and moisture detection systems to prevent issues before they arise.

Unlike other Home insurers, Chubb also covers the cost of damages from burst water pipes and clogged sewer drains.

Chubb also offers specialty Home Insurance for High-Value Homeowners with a home worth $1 million or more.

If you are looking for the insurer with the most inclusive list of Home Insurance services and features, Chubb could be the best option for your needs.

Discounts Offered by Chubb
Chubb HomeInsurance DiscountsPremium SavingsUp To
New Home Discount24%
Renovated Home Discount17%
Multi-Policy Discount10%
Claims-Free Discount10%
No Mortgage Discount10%

What Kind of Coverage Does Chubb Offer?

Chubb’s Home Insurance policy offers preventative tools for homeowners to minimize the chance of damages. You also get the most comprehensive list of standard services from CHUBB.

In contrast to most other Home insurers, Chubb makes optional protections standard in its Masterpiece Homeowners Insurance.

Chubb only offers one Home Insurance policy that includes all the extras you need to fully protect your house and possessions.

A typical policy includes coverage for your dwelling and other structures on your property in the event of a fire, theft, vandalism, smoke, hail, lightning, and wind damage.

Policyholders enjoy extended replacement cost coverage if you need funds to rebuild your home after a covered disaster that stretches beyond your policy limits.

If you experience a total loss, Chubb also gives you a Cash Out option that you can use to put toward a new home.

Chubb Home Insurance coverage includes many services that other insurers do not. For example, tree removal, electronic data restoration, and lock replacement are included in your policy.

The included HomeScan service proactively monitors your home for leaks, faulty electrical wiring, insulation issues, and excess moisture before they become problematic.

Chubb Homeowners Insurance Pros & Cons

Pros
  • Offers one of the most comprehensive policies on the market.
  • Offers liability limits up to $100 million.
Cons
  • Only available through independent agents.
  • Even with discounts, premiums are high.
How is Chubb Homeowners Insurance Rated?
J.D. Power (out of 1,000)809
A.M. Best - Financial Strength RatingA++
BBBD-
NAIC Complaint Index0.21

Nationwide: Best Well-Rounded Home Insurance

Nationwide homeowners insurance TX
Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Nationwide’s robust financial rating, solid customer service, affordable base premiums, and mobile tools make it the most well-rounded coverage on our list.

Brand New Belongings coverage is a unique feature that ensures policyholders have enough funds to replace lost or damaged items.

Additionally, Nationwide has an On Your Side Review that ensures you always get the discounts for which you are eligible.

The free, personalized assessment helps you understand your Home Insurance policy better. For example, the assessment can help walk you through coverage updates if you plan life-changing events.

Policyholders can schedule a yearly review to reevaluate policy needs, adjust deductibles, and make other changes. This feature ensures your coverage stays up-to-date with your life changes.

Nationwide offers homeowners many convenient services. For example, Nationwide can work with your bank to combine your insurance and mortgage payments into one monthly bill.

Another advantage of Nationwide Home Insurance is the Better Roof Replacement feature that helps cover expenses for better roofing materials if you experience a covered loss.

New policyholders transferring from another insurer often qualify for a discount. Other discounts include savings for seniors and military families.

Nationwide often offers the most competitive premium rates for high-value homeowners in closed-gate communities.

Discounts Offered by Nationwide
Nationwide HomeInsurance DiscountsPremium SavingsUp To
Multi-policy discount20%
Protective device discount15%
Claims-free discountvaries
Smart home discountvaries
Home renovation creditvaries

What Kind of Coverage Does Nationwide Offer?

Standard Nationwide Home Insurance plans provide the same coverages as other insurance companies, such as dwelling coverage to protect your house from fire, theft, vandalism, and storm damage caused by lightning or wind.

Nationwide’s standard coverage also includes personal property insurance for your home furniture, appliances, clothing, and other items.

Other-structures insurance covers structures on your property such as a garage, shed, fence, gazebo, or outbuilding. At the same time, loss-of-use coverage helps pay for accommodations, food, or meals out while your house is being repaired or rebuilt following a claim.

If you are found to be at fault, liability coverage pays for medical and legal expenses incurred if an accident happens to someone else on your property.

You can increase the limits on specific aspects of the insurance, such as adding personal property coverage to protect jewelry and other valuables.

Other benefits that Nationwide provides that many competitors may not offer include ordinance or law insurance to reconstruct your house to current building codes after a covered loss if modifications have been made after it was built.

Credit card coverage assists in paying illicit transactions or ATM activity and repaying counterfeit checks up to specified limits.

Nationwide Homeowners Insurance Pros & Cons

Pros
  • Offers affordable rates and many discounts.
  • Offers a Plus program with extra coverage.
  • Offers a Plus program with extra coverage.
Cons
  • Policy add-ons can add up.
How is Nationwide Insurance Rated?
J.D. Power (out of 1,000)816
A.M. Best - Financial Strength RatingA+
BBBA+
NAIC Complaint Index0.88

USAA: Best Home Insurance For Military Families

Editors star rating review
5.0
Editor's Rating (5 Stars out of 5)

Home Insurance from the USAA is available to US military members, veterans, and direct family members. Eligible members benefit from lower-than-average premiums payments and comprehensive services.

USAA Home Insurance includes coverages that cost extra from many other insurers. For example, replacement cost coverage pays for brand new items if a covered peril destroys or damages your property.

Additional coverage is Identity Theft Protection for up to $5,000 to restore your information.

Home-sharing coverage is also included in most USAA Home Insurance policies. That means if you rent a room out to an Airbnb guest, you are still covered.

Another unique feature USAA offers is military uniform coverage. If your uniform becomes damaged or stolen in a covered event, USAA can help pay for the expenses.

If you need to file a claim, there are multiple ways for you to do so, including via their website, mobile app, or by calling.

Unlike many other insurers, the USAA typically offers mold testing and removal protection. In some cases, additional coverage limits are available.

Loyal customers and individuals with a good payment history may qualify for further discounts on monthly premiums.

Depending on your location, you may require additional Flood or Earthquake Insurance.

Discounts Offered by USAA
USAA HomeInsurance DiscountsPremium SavingsUp To
Multi-policy discount10%
Claims-free discount10%
Protective device creditvaries
New home discountvaries

What Kind of Coverage Does USAA Offer?

Active members, veterans, and family members of the US military are eligible for Home Insurance coverage from the USAA.

USAA Home Insurance includes standard dwelling, liability personal property, and detached structure coverage. Members also benefit from extra protection, including Identity Theft Protection and replacement cost value.

You can choose your coverage and monthly premium rates by customizing the deductible and policy limits.

Detached structures on your property like gazebos, driveways, fences, garages, and sheds are also covered by your Home Insurance policy.

The USAA has an alliance with ADT Home Security to help reduce your monthly premiums while keeping your home secure. You can install the system yourself or have a professional come to your house and do it for you.

Another benefit of choosing the ADT system is monitoring flood or temperature conditions. These sensors can help detect gas leaks or water damage and notify you if there is a problem.

Members can bundle policies to save money. Additional USAA coverages include Umbrella, Mobile Home, Connected Home, Farm and Ranch, and Condo Insurance.

Becoming a USAA member is free and includes savings on other financial services such as banking, consulting, and investing.

USAA Homeowners Insurance Pros & Cons

Pros
  • Excellence in customer satisfaction.
  • Includes replacement cost on homeowners insurance policies.
Cons
  • Only available for military families.
  • Does not have local agents or insurance brokers.
How is USAA Insurance Rated?
J.D. Power (out of 1,000)882
A.M. Best - Financial Strength RatingA++
BBBA+
NAIC Complaint Index0.88

How We Picked and Ranked the Best Homeowners Insurance Companies in Texas

The PropertyNest team relied on research to bring you valuable information on the best Texas homeowners insurance companies.

We read customer reviews, checked financial ratings, obtained quotes, and scoured company websites.

Also, we compared coverages and pricing, as well as consulted with the top experts in the industry.

Here is a snapshot of the factors we use when gathering data about the best homeowners insurance companies in Texas:

Customer Satisfaction

Customer reviews and testimonials provide us with the voice of the customer.

We reviewed online reviews of the companies we are recommending, so you have an understanding of how current customers rate the companies they use.

Our research includes checking the ratings of experts in the insurance industry such as JC Power, the Better Business Bureau, and AM Best to get a comprehensive picture of each company’s financial and business practices.

Technology

We realize that online services and mobile apps are tools that make purchasing insurance easy and convenient, so we also considered companies in light of digital transformation.

We gave points to companies that go the extra mile to provide an omnichannel customer experience for their customers.

Ease of website navigation was also a strong consideration.

Discounts/Coverages

We understand the importance of robust coverages to protect your home, which is your greatest asset.

With so many good choices of homeowners insurance policies in Texas, it is entirely possible to get adequate or above-average coverage for good rates because of the availability of lots of discounts.

Companies that offer good value in Texas scored well in the area of coverages and discounts.

Price

Homeowners insurance is a necessity, and we appreciate your need to get good rates.

We compared all companies on the basis of cost competitiveness and came up with some solid choices for you to consider.

Locations

We surveyed insurance coverage prices in Houston, San Antonio, Dallas, Austin, and Fort Worth.

What You Need to Know About Homeowners Insurance Companies In Texas

Natural disasters and unexpected incidents happen that can damage your home or personal property, and the best homeowners insurance policy will guard you against the most common types of loss.

When your home’s structure gets damaged or destroyed, you want assurance that your home will be restored the way you remember it.

If your furniture, jewelry, or other items get stolen, you want to be able to replace them without breaking the bank.

An accidental injury to a visitor to your home could set you back tens of thousands.

These are the types of situations where your home insurance policy significantly eases the financial and emotional burden of a loss.

What Does Texas Homeowners Insurance Cover?

Due to the terrain and geography, Texas residents can expect to contend with a variety of natural disasters every year.

Texas is known for experiencing tornados, wildfires, and an occasional hail storm. Coastal areas are subject to hurricanes and flooding.

Learn more about homeowners fire insurance coverage.

In all parts of the state, homeowners often deal with severe drought, sinkholes, and erosion.

Texas’ natural reserves such as oil, gas, and water can also lead to earthquakes or land subsidence.

The best homeowners insurance policies will cover these types of losses and more.

Your Texas homeowners insurance policy is comprised of the following parts:

Dwelling or Structure

This section of your policy pays for covered losses that occur to your home’s structure. It covers common losses in Texas, including fire, wind, hail, hurricanes, and damage due to lightning.

Other Structures

This section pays for repairs or replacement of other structures located on your property. It can include a detached garage, shed, swimming pool, gazebo, or fence. Normally, this limit is 10% of the dwelling coverage. Many insurers allow you to increase the limit for an additional premium.

Liability

The liability portion of your policy makes payments for bodily injury to visitors to your home who get injured. It also covers property damage you or other members of the household cause to other individuals. Liability coverage will also pay for legal fees and court costs up to the policy limit.

Medical Payments

Just below the liability portion of the policy, you will find a section for medical payments. This coverage pays for small medical claims for parties that are injured at your home such as an emergency room visit or X-rays, and it pays regardless of who was at fault.

Additional Living Expenses

If your home is uninhabitable due to a covered loss, this part of the policy helps pay for meals, hotels or apartment rentals, and other increased costs if you need temporary housing while your home is being restored.

Homeowners insurance policies in Texas also cover tenants and owners of multi-family dwellings.

What Texas Homeowners Insurance Does Not Cover

Depending on the type of policy you have, a Texas homeowners insurance policy may cover your home for named perils or open perils.

With a named peril policy, your policy covers you for the most common types of risk only. All other losses are excluded.

A named-peril policy covers losses due to fire, lightning, explosion, smoke, windstorm, hail, riot, civil commotion, vandalism, and sinkhole collapse, to name a few.

An open perils policy, also called an all-risk policy, is the most common and popular type of policy for Texas homeowners.

All perils are covered under this type of policy unless they are specifically excluded in the policy wording.

Common exclusions for Texas homeowner policies include earthquakes and flooding. Sometimes homeowners can add these coverages by endorsement.

If you live in a designated flood zone or an area that is prone to flooding, you can purchase flood insurance through the National Flood Insurance Program.

All homeowners insurance companies expect property owners to maintain their homes well to prevent the risk of loss.

Normal wear and tear of the dwelling is not covered under Texas homeowners insurance policies nor anywhere else in the country.

How Much Does Homeowners Insurance Cost in Texas?

So many factors go into Texas homeowners insurance policies that it is difficult to give the premium a ballpark cost.

We can help you understand the factors insurance companies account for when establishing your premium.

Insurance companies consider lots of statistics to help them rate correctly for a risk.

They look at the type of dwelling, construction, and architecture as well as the age of the structure.

Other factors such as the geographical location, loss experience on the property, and the homeowner’s credit rating also play a role in the cost of homeowners insurance.

How Can I Save Money on My Homeowners Insurance in Texas?

While there are many factors you cannot change, there are a few strategic things you can do to get a good rate and keep your premiums as low as possible.

A simple thing everyone can do is to maintain a good credit rating. It demonstrates to your insurance company that you are doing your best to manage your finances, and they will reward you with a lower rate.

Ask your insurance agent to recalculate your dwelling cost coverage periodically, so the limit is not too high or too low.

Whenever possible, use the same insurance company for your car, boat, motorcycle, recreational vehicle, or other policies to take advantage of a multi-policy discount.

Be sure to review your annual policy every year, ask questions, and make changes as needed.

Frequently Asked Questions

What are some things homeowners insurance covers?

Homeowners insurance typically covers your dwelling or structure, other structures, liability, medical payments, and additional living expenses.

What 2 disasters are not covered by homeowners insurance?

Common exclusions for Texas homeowner policies include earthquakes and flooding.

How much does homeowners insurance cost in Texas?

Insurance companies consider lots of statistics to help them rate correctly for a risk. For this reason, it is difficult to give a ballpark cost of the premium.

Why is homeowners insurance so expensive in Texas?

The state's vulnerability to a wide array of weather-related risks, makes homeowners insurance more costly than other states.

How can I save money on homeowners insurance in Texas?

Ways to save money on homeowners insurance include: maintaining a good credit rating and use the same insurance company for your car, boat, motorcycle, recreational vehicle, or other policies to take advantage of a multi-policy discount.