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Homeowners, Hurricane Insurance - Preparedness

In coastal areas where Tropical Storms are an expected home hazard, making sure that your homeowners insurance policy includes coverage for Named Storms, Wind driven Rain and Hail. This is coverage for windstorms and or Named Tropical storms or depressions. The language may vary by company. Review your home insurance with your Agent if necessary to clarify your coverage for wind, wind related damages, windstorms, Named Storms. Many Home insurance forms do not offer coverage for certain classes of property damage.

Most homeowners policies cover your house for fire, wind hail and lightning and includes the home fixtures and fittings, carpet, curtains etc. It should also include all your personal belongings in the house (also called contents), which you may be required to estimate the value of. This estimate will affect the price you pay for your homeowners policy, but remember that this estimate needs to cover everything inside your home. Some policies will issue with a default percentage of 30 to 60 percent of your home value. It is a good idea to over estimate this value slightly to avoid coming up short.

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Recent Years have brought some of the most destructive Storms the Texas Coastal areas have ever seen. Meteorologists only predict more to come in the years ahead. Texas Homeowners in Tier 1 and Tier 2 coastal communities face a challenge in finding an Insurance Company that will accept the high risks associated with beach front and other coastal properties. The Home Insurance market in hurricane country can be considered Slim at best.

A good Homeowners Insurance Policy is important when living in some areas. Home Owners living in The Gulf Coast Region have seen a lot over the last decade. The aftermath of serious Tropical Storms for anyone who lives in a prone area it is a real worry and residents know it can happen again. Of course no one can guarantee that it wont, but at least you can protect your house and its contents with a good Home Insurance Policy. This can provide you peace of mind that if the unfortunate should occur your house and contents will be repaired and/or replaced.

There are also government sponsored insurance resources available to property owners. Comparing the different home insurance company offerings and obtaining competitive quotes could save you some money.

Additional Resources

Tropical Storms

The National Hurricane Center

DADS Hurricane Information

Texas Storm Center

Windstorm Insurance in Houston TX Harris County

Florida Hurricane Insurance Information

Texas Insurance Quotes - Hurricanes Wind storm

Property Insurance Coverage is available in most Texas Counties at this time through All Risk Policy offers from select carriers. Forms HOA, HOB and HOC will provide Wind Storm coverage for most Texas counties, Some All Risk Insurers may require credit scoring by certain carriers.

Texas Home Owners Insurance

Homeowners Insurance Coverage forms for most Texas Home and Property Risks are available at this time. Homeowners Forms HOA, HOB, HOC, Rental Properties in DP1 DP2 DP3 include insurance for Fire, Wind and Hail.

Hurricanes and Insurance for Rental property

Residential Rental Property. For Let " properties. Your investment property can in most cases can be covered for Hurricane related damage on our DP2 and DP3 programs. Commercial Property lines see the Commercial Property Insurance page on our web site.

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Hurricane Insurance