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Home Inspections

Many home insurance companies will offer a home owner a discount on their insurance premiums if their home meets certain criteria.  A survey of your home can be completed by an officer from our office.  Upon completion of the survey, it will be mailed to Texas Dept. of Insurance in Austin.  After the time allowed for processing, the home owner will receive a certificate in the mail.  This certificate should be taken to your insurance agent for proof of qualification of the applicable discount.

Home Security Hardware

A person's residence qualifies for a 5% discount on homeowners insurance premiums if the property meets the following criteria:

  • Exterior doors must be solid core doors that are 1 3/8" thick and must be secured by deadbolt locks.  The deadbolt must lock with a minimum bolt throw of one (1) inch and must penetrate a metal strike plate firmly secured to the door frame.  If a door secured with a deadbolt has breakable glass within forty (40) inches of the lock, the lock must be a double cylinder (double keyed) deadbolt (UNLESS PROHIBITED BY LIFE SAFETY CODES).
  • Metal doors must be secured by deadbolt locks as outlined above.
  • Double doors must meet the specifications for exterior doors listed above in (1), and have the inactive door secured by a header and threshold bolts that penetrate metal strike plates. If glass is located within forty (40) inches of header and threshold bolts, the bolts must be flush mounted in the edge of the door.
  • Sliding glass doors are secured by secondary locking devices to prevent lifting and prying.
  • Dutch doors have a concealed flush-bolt locking device to interlock the upper and lower haves, and the door is secured by a deadbolt lock as described in (1) above.
  • Garage doors are equipped with key-operated locking devices.
  • Windows are secured by auxiliary locking devices. An auxiliary locking device required by this section must include either screws, wooden dowels, pinning devices, and key operated locks.  In areas where life safety codes permit, metal bars or grating, if mounted to prevent easy removal, may be substituted for auxiliary locking devices.  Jalousie or louvered windows DO NOT meet the specifications of this section unless they have metal grating mounted as provided for above.

Alarm Systems

A person's residence qualifies for a 15% discount on homeowners insurance premiums if the property is equipped with an electronic burglar alarm that meets the following criteria:

  • All exterior structure openings are contacted. (This includes all exterior windows and doors.)
  • The alarm system includes an interior and exterior siren.
  • The alarm is monitored by a U.L. (Underwriters Laboratories) approved central station.
  • The alarm system equipment is U.L. approved.
  • All sales, service, installation and monitoring of the alarm system are done in compliance with the Private Investigations and Private Security Agencies Act (Article 4413(29bb) Vernon's Texas Civil Statutes).
  • The alarm company is licensed by the Texas Board of Private Investigators and Private Security Agencies.

Information concerning the licensing requirements and U.L. approval of alarm equipment can be obtained from you alarm company representative.  THIS INFORMATION MUST BE MADE AVAILABLE TO THE INSPECTOR AT THE TIME OF INSPECTION IN ORDER FOR THE ALARM SITE TO PASS.


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This page was last edited on Friday, October 08, 2010