The Texas Department of Insurance (TDI) is urging home insurance companies to offer "meaningful" premium discounts to homeowners who invest in measures that reduce the risk of storm and wildfire damage.

What we know: TDI issued the guidance on Sept. 16 in response to a directive from Gov. Greg Abbott late last month, who asked the agency to take steps to make property and casualty insurance more affordable for Texans.

The commissioner's bulletin encourages insurers to develop "actuarially supported" discounts for homeowners who use proven loss-mitigation measures, including: Dig deeper: The bulletin does not establish a specific discount amount or require that every insurer offers a discount.