Residential Property Insurance

Texas Windstorm Insurance Association (TWIA)

Most insurance companies do not offer wind and hail coverage to people that live along the Texas Gulf Coast. If your home is in a coastal county on the map shown below, you may have to buy a policy through the Texas Windstorm Insurance Association (TWIA). A TWIA policy provides wind and hail coverage for those unable to get the coverage elsewhere.

*⃣For more information about TWIA, contact them at the link above or 1-800-788-8247.

More Terms to Know

Claim – a request made to an insurance company to pay for damage or injury.

Coverage – the damage or injuries an insurance company agrees to pay for under the policy.

First-party claim – a claim filed by you against your own insurance policy.

Policy  a contract between you and the insurance company. The policy tells you what’s covered and what the insurance company is required to pay.

Third-party claim – a claim filed by you against another person’s insurance policy.