Home insurance is something that every homeowner must have on their house. It is illegal and common sense necessity. If you don’t have insurance, and your house burns to the ground, or if someone has broken in and stolen all of your belongings, you need to be able to file a claim to get monetary compensation. Texas home insurance companies, like all of the others, will have a wide variety of policies to choose from. There are also going to be multiple companies, one of which will have the lowest premiums and deductibles available. Your job is to simply find that business and switch over to that company.