The amount for the whole term.
Compare term to term, not month to month — a policy that moved from six months to twelve looks like a doubling when nothing changed.
See the definitions in the glossary →Free Houston renewal tool
Updated September 4, 2026Your renewal went up. Find out what actually changed.
A higher premium and a changed policy are two different problems, and the renewal notice puts both on the same page without saying which is which. Put last term's numbers next to this term's and the tool separates them, then gives you the questions those specific changes make worth asking. Nothing is saved or sent.
2 declarations pages, side by side$0 free, no email or sign-upPrivate everything stays in your browserEN/ES bilingual Houston office
The checker
Put the two terms side by side.
The premium is required. Everything else is optional — but the deductible and coverage limit are what turn "it went up" into a specific question, so fill them in if the pages are handy.
Reading the notice
Three lines decide whether this is a price change or a policy change.
Renewal notices bury the comparison. These are the fields to find on both pages before you call.
What you pay first on a covered claim.
A deductible that changed at renewal changes what the policy does, not just what it costs. On Texas home policies this is often a percentage; the deductible calculator converts it to dollars.
See the definitions in the glossary →Dwelling amount, or liability limits on auto.
Limits commonly rise at renewal to track rebuilding costs. A limit that rose explains part of a premium that rose; a limit that fell while the price rose does not.
See the definitions in the glossary →Common questions
What people ask when a renewal moves.
Why did my premium go up when I never filed a claim?
Most of a Texas premium is priced on risk shared across an area — rebuilding and repair costs, roof age, and the storm, hail, and collision losses insurers paid across the region — not only on your own claim history. A renewal can rise with a clean record. What the notice will not tell you is how much came from a general rate change versus something specific to your policy, which is why that is the second question to ask.
Is a renewal increase negotiable?
The filed rate itself is not something an agent can discount. What can be reviewed is whether the policy still matches the situation: the deductible, the limits, discounts that may have dropped off, and whether coverages are still the right ones. That review sometimes changes the number and sometimes does not.
My deductible changed and I did not ask for it. Can that happen?
A deductible can change at renewal, and the change is disclosed on the declarations page rather than announced. That is exactly why comparing the two pages matters — the premium line alone will not show it.
The premium looks doubled. What should I check first?
Check the term length on both pages. A policy that moved from a six-month term to a twelve-month term shows roughly double the premium for the same coverage. This tool asks for the term so it compares like with like.
Does this tool tell me if my increase is fair?
No. It compares the numbers you enter and lists the questions those changes make worth asking. Whether a rate is justified depends on filed rates, underwriting, and your policy's terms — none of which live on this page.
Does it save my information?
No. Nothing is stored, transmitted, or used to identify you. The comparison is built in your browser and disappears when the tab closes.
Next step
Want to go through the renewal with someone?
Have both declarations pages in front of you and call or text. The review is in English or Spanish, and the goal is that you understand what changed before deciding anything.
Scope
What this tool does and does not do.
This tool is general education for Houston-area readers. It subtracts numbers you enter from your own policy documents. It is not a quote, a premium estimate, a rate review, an eligibility decision, an offer of coverage, or financial, tax, or legal advice.
It does not decide whether a premium change is correct, justified, or appealable, and it cannot see your filed rates, underwriting, or policy terms. Only your insurance company and your policy documents determine those.
Nothing you enter is saved, stored, transmitted, or used to identify you. The comparison is generated in your browser and is gone when you close the page.
Coverage is based on selections made and is subject to terms, conditions, limits, availability, underwriting, and qualifications. Text frequency may vary; message and data rates may apply. Consent to texts is not a condition of purchase.