Windstorm Insurance Coverage in Texas

Windstorm insurance is essential for homeowners in Texas, especially in coastal areas. Understanding how this coverage works can help you protect your property from wind and hail damage. Contact Texas Risk Solutions LLC to learn more about the benefits of wind coverage.

What Does Texas Windstorm Insurance Cover?

Depending on where you live in Texas, wind coverage may be included in your homeowners policy. However, if you live along the coast, your homeowners insurance typically won’t cover wind and hail damage; you’ll need a separate windstorm policy.

Windstorm insurance can cover a range of damages caused by wind and hail, including the following:

• Structural damage—This may cover repairs to your home’s roof, walls, and other structural components damaged by wind or hail.

• Personal property—This may cover the replacement of personal belongings damaged by wind or hail.

• Additional living expenses—This may cover costs for temporary housing if your home is rendered uninhabitable due to wind or hail damage.

How Much Does Wind and Hail Insurance Cost in Texas?

The cost of wind and hail insurance in Texas can vary based on several factors, including the location of your home, its construction, and the amount of coverage you need. Homes in high-risk coastal areas may face higher premiums due to the increased likelihood of damage from severe weather events. Texas Risk Solutions LLC can assess your circumstances and provide you with a personalized quote.

How Can You Lower Your Windstorm Insurance Premiums?

There are several strategies you can use to lower your windstorm insurance premiums:

• Increase your deductible— Choosing a higher deductible can reduce your premium, but it’s essential to check that you can afford the out-of-pocket costs if you need to file a claim.

• Install wind mitigation features—Installing wind-resistant features such as storm shutters, reinforced roofing, and impact-resistant windows can make your home more resilient to wind damage and may qualify you for discounts.

• Bundle policies—Combining your windstorm insurance with other policies, such as homeowners or auto insurance, may result in a discount.

Windstorm Insurance, New Braunfels, TX

You can protect your home and belongings from the financial impact of severe weather by investing in wind insurance coverage. Contact Texas Risk Solutions LLC to explore your options.