Texas is no stranger to intense storms. Its location along the coast regularly faces hurricanes and tropical storms. Fortunately, Texans are prepared when bad weather moves in. That’s why homeowners in high-risk counties are ready to be equipped with the right insurance coverage.
What Is Texas Windstorm Insurance?
Texas Windstorm Insurance Association (TWIA) provides wind and hail insurance to 14 Texas gulf coast counties and a portion of Harris county. This type of insurance covers damage caused by windstorms, hurricanes, tornadoes, tropical storms, and hail. It also protects certain kinds of water damage from storm surges or flooding.
How Do I Get Coverage?
If you live in a high-risk county, you may be required to purchase coverage to qualify for a mortgage loan or home equity line of credit. You can get coverage through an approved private insurer, such as ACU Insurance Services in League City, TX. Private insurers can offer more comprehensive coverage than TWIA and may have lower premiums.
What Does It Cost?
The cost of your policy will depend on factors such as your location, the age and condition of your home, and the amount of coverage you need. Generally speaking, windstorm insurance policies are more expensive than standard homeowners policies due to the higher risk associated with coastal areas.
Why Is It Important?
Having adequate windstorm insurance is essential for protecting yourself financially in case a disaster strikes. Without it, you could face significant out-of-pocket expenses if a storm or other natural disaster damages your home.
It’s important to remember that not all homeowners’ policies cover windstorms or flooding, so read the fine print before signing up for any policy! Contact ACU Insurance Services today if you’re looking for reliable protection against storms and other disasters in League City, TX!
