Alternative windstorm insurance options They usually have stricter criteria for underwriting than TWIA, but their rates may be lower. Companies that offer windstorm insurance include: Weston Insurance Company. Maison Insurance Company.

TWIA policies provide coverage for residential and commercial property located within the area designated by the Commissioner of Insurance. This area currently includes all 14 first tier coastal counties and parts of Harris County east of Highway 146.

The Windstorm Inspections Program applies to structures located in the designated catastrophe areas, known as Texas' First Tier Counties: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy, and certain cities east of State Highway 146 ...

Texas law doesn't require you to have hurricane insurance. But remember that hurricane insurance doesn't exist as a policy by itself. The policies that provide hurricane coverage—homeowners, flood, and windstorm insurance—can be required by lenders as part of the home loan process.

No, windstorm insurance is not required by law in Texas. But you'll likely need to purchase a wind-only policy if you have a mortgage on your house and your standard home insurance policy excludes wind damage from coverage.

What does a TWIA policy cover? TWIA policies provide coverage only for windstorm and hail damages to property covered by the policy. By law, no other perils (such as fire or theft) are covered by TWIA policies. TWIA policies do not cover flood damage.