Do I Really Need Liquor Liability Insurance in Texas?
Hurricane insurance is essential for homeowners due to susceptibility to severe weather events. Texas homeowners face unique challenges when it comes to property insurance. While standard homeowners’ insurance policies typically cover wind and hail damage, they often exclude damage caused by hurricanes when homes are located along the Gulf Coast. To ensure full protection, homeowners may need to purchase additional coverage specifically for hurricane-related risks in coastal counties. Although Austin and San Antonio corridor are less prone to direct hurricane impacts, residents should still be prepared for severe weather and flooding generated from these disastrous storms.
Is Hurricane Insurance Expensive?
As a independent insurance broker, your local agent works for you. Comparing quotes with multiple insurance companies so you can select the best combination of benefits, coverage and price. The cost of insurance varies greatly based on your zip code and the coverages you select. You can customize your home quote to fit your unique needs. It is more important to pay attention to the coverage forms, endorsements and exclusions as much as price. One policy endorsement can, reduce the price, and coverage limits by hundreds, or a thousands of dollars. Your exact costs will depend on construction costs, your home’s size, deductibles, and other rebuild factors.
How do I get a quote?
Follow this link and tell us a little about yourself and your home so we can match you with an insurer. We will then quote and prequalify you with different companies in Texas. When you are ready, simply select the coverage and price that is right for you, we will invoice your mortgage company, and you can e-sign the application. It is that easy.
Types of Hurricane Coverage
- Homeowners: Protects your house and contents from wind, hail, lighting, fire and more.
- Flood: Hurricanes often bring heavy rainfall and storm surges, leading to flooding. Standard homeowners’ insurance does not cover flood damage. Coverage can be purchased on a separate flood insurance policy through the National Flood Insurance Program (NFIP) or other private insurers. Protects your home and personal property from rising waters. Ask us for a quote.
- Wind and Hail: Texas Windstorm Insurance Association (TWIA) provides windstorm and hail coverage for residents in coastal counties and certain other areas who cannot find adequate coverage through private insurers. This policy covers damage caused by high winds and hail. Most home policies on the coast do not cover wind and hail and a separate policy has to be issued for this exposure. Ask us for a quote.
Texas Home Insurance
Request a quote from the Britton and Britton Insurance Agency. We compare home and property quotes with multiple insurance companies for you.
ONLINE
Answer a few easy questions about your house then choose options for your quote. Not sure how to answer a question? No worries, give it your best guess and let us know in the “remarks” section. Begin your quote online here.
CALL YOUR AGENT
Speak with a licensed insurance broker who will work with you during office hours.
Call 512-469-0693
LOCAL ADVICE
Connect with an Austin home insurance broker who will help you answer your questions.
Protection from hurricane damage such as wind, hail, and flooding is necessary In fact, your mortgage provider most likely requires hurricane coverage. Luckily, most people have coverage for windstorms in their home insurance policies when a property is located inland away from the coast.
During the summer storm season keep well-informed of weather updates and heed evacuation orders and precautions.. Proper preparation and timely action can minimize damage and enhance your safety.
For detailed guidance and personalized advice, consult with an independent insurance agent who understands the unique challenges of insuring homes in hurricane-prone areas of Texas.
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