Does your homeowner’s insurance company offer a discount when you invest in security improvements for your residence? 

Chapter Five, Article 5.33A Section 6 (a) 1-2 of the Texas Insurance Code once required homeowner insurance companies to offer a reduction of 5% or 15% in annual premiums to Texas homeowners if they could pass a residential security inspection performed by a State Certified Inspector.

In 2003, this article was repealed and insurance companies were no longer required to offer this discount.  Many insurance companies, however, still offer a discount to homeowners who can successfully pass the residential security inspection. 

 

Why Consider the Inspection?

  • In 2011, there were an estimated 2,188,005 burglaries – an increase of 0.9 percent when compared with 2010 data (FBI UCR Reports, 2011).
  • Victims of burglary offenses suffered an estimated $4.8 billion in lost property in 2011; overall, the average dollar loss per burglary offense was $2,185 (FBI UCR Reports, 2011).
  • Properly securing your residence from a potential burglary can greatly reduce the probability that an offense will occur or be successfully completed.
  • Most insurance companies understand that a properly secured residence will also reduce the chances that you will have to file a claim and report expensive property losses as a result of a residential burglary in the future. 

 

Do I qualify?  How do I find out?

 

Step 1:

Contact your homeowner’s insurance company and see if they still offer a reduction for this program.

Step 2:

Once you ensure that your insurance company offers the reduction, review the attached checklist to be sure that you meet the inspection requirements.  (Note: Please be sure to review and comply with all necessary requirements before you schedule for a visit from a member of our team.  If you have any questions regarding the inspection and/or the requirements – call 713-477-2766).  Inspection-Checklist . Have a look at few tips in our Home Security Brochure.

Step 3:

If you feel that your residence meets the inspection requirements, and you have completed all requirements on the checklist in Step 2, you are ready to request an inspection.

Fill out our Feedback Form requesting to schedule a home inspection appointment with an inspector from the police department’s Community Services Division. 

Once you have submitted the request, a member of the Crime Prevention Unit will contact you to schedule an appointment. Due to a high volume of requests, appointments are available through online only.

 

Frequently Asked Questions

Can citizens request this service even if their insurance company does not offer the discount?

Absolutely. We encourage every resident to implement preventative measures to enhance the security of their home. 

Is there an inspection fee or charge for this service?

There is no charge for this service. It is absolutely free and available to all homeowners in the area serviced by Harris County Constable’s Office Precinct 2. 

Does my insurance discount ever expire once my home has passed inspection?

We encourage you to check with your insurance company.  As the reduction is no longer a mandate under law, each insurance company governs its own practices.

Does your office have a State Certified Inspector?

Yes. As part of our commitment to the community, we have a deputy specifically trained as a Crime Prevention Specialist. Having attended both the TCOLE approved courses ICJS 2101/2102, this deputy is recognized as an authority in Crime Prevention.