Windstorm Insurance Quote in Texas

In Texas, windstorm coverage isn’t part of a standard homeowners policy. If you live near the coast, a separate windstorm policy is often required to protect against hurricane-force winds, tornadoes, and hail.

No, storm surges fall under flood insurance. While windstorm coverage helps with damage from high winds, it doesn’t apply to rising water or coastal flooding. Homes in flood-prone areas may need both policies for complete protection.

Deductibles typically range from 1% to 5% of the insured home’s value. For example, if a home is insured for $300,000, a 2% deductible means paying $6,000 out of pocket before coverage applies. Higher deductibles, lower monthly premiums, but increase potential expenses during a claim.

A windstorm policy provides financial protection against damage caused by high winds, hurricanes, hail, and tornadoes. Coverage includes:

• Dwelling – Repairs or rebuilds the home after wind damage.
• Other Structures – Covers detached garages, fences, and sheds.
• Personal Property – Replaces belongings damaged due to wind-driven events.
• Additional Living Expenses – Pays for temporary housing if the home becomes uninhabitable.

Mortgage lenders typically require windstorm insurance in designated high-risk coastal areas. Even without a loan, having coverage helps safeguard homes from extreme weather events that frequently hit the Texas coastlines.