Home and Windstorm Insurance in Aransas Pass, TX

In areas susceptible to high winds and severe weather events, windstorm insurance can play a crucial role in financially protecting homeowners. This specialized insurance can offer financial security against the potentially devastating effects of wind-related damage. Understanding windstorm insurance and its coverage is essential for homeowners to safeguard their financial well-being in the face of nature’s powerful forces.

What Is Home Insurance With Windstorm Coverage?

Windstorm insurance is a type of property insurance that can financially cover your home if it’s damaged by wind or hail. You may be able to add this coverage to your existing home insurance policy or purchase it as a separate wind-only policy, depending on the insurer. If you live in a high-risk area prone to hurricanes, tornadoes or strong thunderstorms, it’s essential to consider obtaining windstorm insurance to protect your property.

Why Do I Need Home Insurance With Windstorm Coverage?

While windstorm insurance is not legally required in Texas, it may be essential if you live in a high-risk coastal area for the following reasons:

• Exclusion from standard policies—Standard home insurance policies often exclude wind and hail coverage in high-risk counties along the Texas coast. If your policy doesn’t cover these perils, you’ll need separate windstorm insurance.

• Mortgage requirements—If you have a mortgage, your lender may require windstorm coverage to protect their investment. Most lenders mandate home insurance, including wind coverage, for borrowers.

• Hurricane vulnerability—Texas, especially its coastal regions, faces hurricane risks. Windstorm insurance can help financially safeguard your property against wind-related damage caused by hurricanes.

Keep in mind that windstorm insurance won’t cover flood damage from storm surges. For comprehensive hurricane protection, consider purchasing flood insurance.

What Does Home Insurance With Windstorm Coverage Typically Cover?

Windstorm insurance typically helps cover damage caused by hurricanes, tornadoes, hailstorms, tropical storms and other high-wind events. These are known as covered perils in your policy documents. Specifically, windstorm insurance can financially protect your dwelling and personal property from damage caused by gusty weather conditions.

Does Standard Home Insurance Include Windstorm Coverage?

A standard home insurance policy typically does not include windstorm coverage; however, it can usually be added to your policy. Contact All South Texas Insurance Agency to review your coverage today.