Texans are known all over the country for their state pride. Killeen, Texas, located in the middle of the Lone Star State, is no exception to this. Home to US Army base Fort Hood, residents of Killeen are both proud of their soldiers and dependant on the base, and the base itself employs nearly half of Killeen residents.
Killeen Insurance Cost Factors
Not only is Texas the largest state, but it's also home to some of the highest insurance premiums in the nation. There are a number of factors to this. In Killeen, the cost of home insurance is higher than usual and one of the leading causes of this is the high crime rate.
As recent as 2005, the rates of burglary and larceny in Killeen were higher than both Houston and Detroit, metropolitans with bad raps for crime. Not only that, but Killeen's average number of burglaries was nearly three times the national average. Larcenies were also significantly higher. Because of this, Killeen insurance quotes are higher than you might expect; the average homeowner rate of an HO-3 policy (the most common) is $804 nationally and $1,409 in Texas.
Keeping Killeen Insurance Quotes Down
You can save on your Killeen insurance and keep your home and family safe at the same time by taking a few preventative measures. These safety modifications are relatively inexpensive and will help reduce your risk of burglary and larceny, and the lower the risk, the lower your Killeen insurance will be.
- Burglar alarm. Many companies will lower your rates if you have a security system or burglar alarm installed.
- Deadbolt locks. Deadbolt locks are much more difficult to break into, and having these in your home will also lower costs.
- Fire protective devices. Another way to lower your insurance and keep you safe is through keeping fire protective devices around the house. These include smoke alarms, home sprinkler systems, and fire extinguishers in high-fire risk areas, like the kitchen or garage.
Why You Need Killeen Insurance Quotes
With insurance costs in Killeen so high, you can save money by gathering Killeen insurance quotes and then comparing them in order to get the best deal. NetQuote.com is an excellent resource not only for obtaining multiple quotes, but also for gathering information on insurance requirements for all types of insurance.