Start Your Free Windstorm Insurance Quote Now
Based on 2,023 reviews
I heard about TGS Insurance Agency on the radio and was skeptical about it but decided to text them and the process was so easy. The TGS Insurance Rep Kenneth Lee was so pleasant to work with and made the entire process so easy and stress free. From the time I texted until the very end took really no time at all because TGS did all the leg work for me and handled it perfectly. I changed homeowners insurance like I had wanted to but ended up changing auto insurance companies also. TGS saved me $1,000 a year for my homeowners & saved me $100 a month for my auto insurance. I would highly recommend TGS to anyone looking for new insurance or just wanting to change insurance providers. Way to go TGS!
My existing home and auto insurance (GEICO) were very high and TGS Insurance agent reduced both insurances substantially. The insurance details were discussed with me. The agent also initiated the cancellation of my existing home and auto insurances. It was a seamless transfer. Overall experience is excellent. Highly recommend others to try TGS insurance during switching their auto and / or home insurance..
Tie was great she reviewed everything to assure we received the coverage that worked for us. I would highly recommend reaching out you will not be disappointed
I was pleased with the assistance I received in obtaining my house and auto polices. I was disappointed with Sage Sure Insurance and the way I was bullied into taking a policy I didn't want then having to wait to get my down payment back from them knowing I will not get all of the payment refunded.
TGS provided fast and efficient service to insure my home and auto at a very reasonable price. The insurance agent was thorough and quick to provide details and information regarding the coverage on both policies. I would highly recommend this company for anyones insurance needs.
The agent, Luke Miller, was great! He was patient with me and very knowledgeable. He also helped me navigate my internet When I stumbled.
Great customer service, quick quotes from multiple insurance agencies. I received a quote almost cutting in half the yearly cost of my previous insurance carrier.
JR was very helpful, friendly and knowledgeable in all of my interactions with him. He got me a great rate for my cars and home and made me feel confident I made the right choice going with TGS.,
No pressure sales. The agent was about to find me an excellent deal on home/car and before she signed us up, she wanted to check one more company and found us an even better deal.
Great customer service to find the lowest prices available
Daniel Parelta is excellent, works hard for you and TGS is lucky to have people like him in this environment.
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.
Learn More About Windstorm Insurance:
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.