Insurance Premium Reductions

Property Security

(minimum required for 5% reduction) (Article 5.33A, Section 6 (a) (1), Texas Insurance Code) A person’s property qualifies for a Homeowner Insurance Premium Reduction of 5% if the property meets the following specifications:

  • Exterior doors must be solid core doors that are 1 3/8 inches thick and must be secured by deadbolt locks; a deadbolt lock must lock with a minimum bolt throw of 1 inch that penetrates 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 deadbolt lock must be a double cylinder (double keyed) deadbolt. (UNLESS PROHIBITED BY LIFE SAFETY CODES).
  • Metal doors must be secured by deadbolt locks;
  • Double doors must be solid core doors that are 1 3/8 inches thick and must be secured by deadbolts; the inactive door must be secured by header and threshold bolts that penetrate metal strike plates, and in the case of glass located within 40 inches of header and threshold bolts, the bolts must be flush-mounted in the edge of the door;
  • Sliding glass doors must be secured by secondary locking devices to prevent lifting or sliding;
  • Garage doors must be equipped with key operated devices; and
  • Windows must be secured by auxiliary locking devices. An auxiliary locking device required by this section must include either screws, wooden dowels, pinning devices, or 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 specifications of this section unless they have metal grating mounted a provided for above.

For more information contact Sergeant Loyd Pearson at (512) 930-2594 or