Texas Windstorm Insurance
Storms on the Gulf Coast are a time of vigilance and reflection for cities such as Freeport, Galveston, Houston, Port Aransas, and many other places along the Texas coast. Staying protected is important because when disaster strikes, having a helping hand to lift you back up is critical to rebuilding. Windstorm insurance policies are important because the last thing you want to do is begin to pick up the pieces in the aftermath of a tropical storm or hurricane and be left to do so alone. Homeowners and flood insurance policies are important but windstorm insurance will help you protect against unpredictable wind and hail events so that you can move forward.
What Is Windstorm Insurance?
Windstorm insurance is a specialty type of P&C insurance that covers any damage caused by wind or hail. Policies will typically cover physical damages to the property and personal belongings. This insurance is separate from a standard homeowner’s insurance policy or flood policy.
Is Windstorm Insurance Required in Texas?
No, Windstorm insurance isn’t required by the state of Texas. However, if you live in a high-risk county, you may be required to purchase coverage to qualify for a mortgage.
The 14 Texas counties considered high-risk include:
- Harris (east of Highway 146)
- San Patricio
How Much is Windstorm Insurance in Texas?
The average premium of a windstorm insurance policy from TWIA runs about $1,600 per year.
That being said, the cost of your individual windstorm insurance is going to depend on a variety of factors. The age of your home, its value, and most importantly, the location of your home concerning the coast, will all play a role in how much your policy may cost. Other factors including your credit score may also affect the cost of your policy.
Some insurers do not cover windstorm as a listed peril on your homeowners insurance policy, so some homeowners have to purchase a separate policy for windstorm coverage. NOT HERE! At TGS Insurance, we work with dozens of carriers who cover windstorm insurance as a normal policy inclusion – even if you live in a coastal area. We’ll set you up with a full homeowners insurance policy that covers this peril, and our coastal area customers report huge savings versus their previous company.
How to Get Texas Windstorm Insurance
If you live in one of the high-risk counties, getting windstorm coverage can sometimes be a lengthy process that may involve a denial of coverage from private insurers. No matter your situation, our independent insurance agents can help you understand your exact insurance needs and find competitively priced options for your next policy. Through our partnerships with a variety of top-rated insurance firms, TGS Insurance crafts the right quote for your situation.
It is important to note, windstorm insurance cannot be written when a storm is in the Gulf of Mexico, so waiting for the last minute can leave you vulnerable. Get started today by contacting one of our agents, ready to help you save.
Windstorm Insurance FAQs
If I already have homeowners insurance, do I need windstorm insurance?
Yes, in 19 coastal states, including Texas, wind insurance is a separate policy from homeowners.
Does windstorm insurance cover storm surge?
No, windstorm insurance does not protect from damages from storm surges. If you are looking for protection from storm surges, then you might want to consider flood insurance.
Does windstorm insurance cover hurricanes?
Yes, in Texas, windstorm insurance does coverage damages caused by hurricanes.
Does windstorm insurance cover hail?
Yes, windstorm insurance covers your home and personal belongings from a hail storm.