Texas Windstorm Insurance to Safeguard Your Home
Storms on the Gulf Coast are a time of vigilance for cities along the Texas coast. From Corpus Christi to Brownsville, homeowners know that staying protected is important because when a hurricane or tropical storm makes landfall, having a helping hand to lift you is key to starting the rebuilding process.
Windstorm insurance policies provide exactly that, so you are not left alone in dealing with the aftermath. TX Insurance Quotes can help you find the right coverage for your needs and budget. We work with some of the leading insurers in the state so that you can be sure to have the protection you need when you need it most.
Don’t wait until a storm is on its way to get covered.
For affordable Texas windstorm insurance quotes and to prepare for whatever comes your way reach out to us today!
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Is Windstorm Insurance Required for Texans?
No. The State of Texas does not require homeowners to purchase wind insurance. However, as a coastal state, Texas is susceptible to hurricanes or tropical storms, and many mortgage companies will not provide financing for a home unless the buyer has a windstorm insurance policy in place.
Additionally, most standard homeowners or flood insurance policies do not cover wind and hail damage. This means that you can either purchase a separate windstorm insurance policy or add wind coverage to your existing homeowner’s insurance policy to safeguard your home against this type of natural disaster.
What Does Windstorm Insurance Cover?
A Texas Windstorm Insurance policy will cover damages caused by high winds, including:
- Tropical storms
- Named storms
A typical windstorm property insurance policy includes 5 different types of coverage:
Dwelling coverage protects your home, as well as any attached structures like a garage or porch. Your dwelling coverage should be equal to the amount it would cost to rebuild your home from scratch in the event of a total loss.
Other Structures Coverage:
The above coverage protects unattached structures on your property, like a storage shed or detached garage. The coverage limit for other structures is typically 30% of your dwelling coverage limit.
Personal Property Coverage:
Personal property coverage protects your belongings inside your home from wind damage. This includes furniture, clothing, electronics, and more. The limit for personal property coverage can be anywhere from 50-70% of your dwelling coverage limit.
Loss of Use Coverage:
Suppose your home is severely damaged by a windstorm and is uninhabitable. In that case, loss of use coverage will help to cover the cost of additional living expenses like hotel stays, restaurant meals, and more.
Loss of Income Coverage:
If your home is a rental property and is uninhabitable due to windstorm damage, loss of income coverage will help to cover the loss of rent while repairs are being made and your tenants have to relocate.
Windstorm insurance does not cover the following:
To get the most comprehensive protection for your home, you may need to purchase a separate insurance coverage for each of these perils.
For more information on windstorm insurance quotes, contact us today.
How Much a Windstorm Insurance Cost in Texas?
Windstorm insurance premiums are highest along the coast, where the threat of hurricanes and tropical storms is greatest. The closer you are to the water, the higher your premium will be.
Average premiums for Texas windstorm insurance range from $1000 to $2500 per year.
- Location of your home
- Condition of your home
- Replace the cost of your home
- Construction type of your home
- Deductible amount
- Amount of coverage
Contact TX Insurance Quotes today to get the most accurate windstorm coverage quote for your home.
We offer a free quote comparison service to help you find the best policy for your needs and budget.
How to Buy Windstorm Insurance Online?
Buying windstorm insurance online has never been easier. So, whether you are looking to protect your home from hurricanes or other tropical storms, we can help.
TX Insurance Quotes make shopping for windstorm insurance quotes fast and easy.
Here’s how it works:
Gather your Personal Information:
Before you start shopping for windstorm policy, it’s a good idea to have some information handy, such as your:
- Home address
- Contact information
- Home size
- Construction type
- Year built
This will help to speed up the quoting process.
Get Quotes from Multiple Companies:
Once you have your information ready, the next step is to get quotes from multiple companies. This will allow you to compare rates and coverage options to find the best policy for your needs.
Choose the Right Policy:
After reviewing your quotes, it’s time to choose the right policy. First, look over the coverage amount and deductibles to ensure they are adequate for your needs.
Complete an Online Application:
Once you have chosen the right policy, completing an online application is next. This process is usually quick and easy, and you can get started on your new policy immediately.
Pay for Your Policy:
Upon submitting your application, your next step will be to pay for your chosen policy to go into effect. This can usually be done by credit card or electronic check.
Why Trust TX Insurance Quotes for Your Windstorm Insurance Quotes?
Getting windstorm insurance quotes from TX Insurance Quotes is quick and easy. We work with only the industry’s top-rated insurers to provide you with the best rates and coverage options. In addition, our team of licensed insurance experts is always available to answer any questions you may have about your policy.
No Agents Required:
You don’t need an insurance agent to get a great rate on windstorm insurance. In fact, using TX Insurance Quotes can often lead to cheaper rates because we do not charge commissions.
Expert Advice without the Sales Pitch:
Get unbiased advice from our team of licensed insurance experts. We are here to answer your questions and help you find the best policy for your needs without the sales pitch.
Coverage in Minutes:
You can get your windstorm insurance policy in minutes when you use TX Insurance Quotes. We make the process fast and easy so you can get the coverage you need without the hassle.
Get started today by visiting our website and getting a free quote.
We pride ourselves on providing excellent customer service to our Texan clients living in Corpus Christi, Beaumont, Harlingen, Victoria, Brownsville, El Paso, McAllen, Odessa, Laredo, and Lubbock.