Do I need TWIA if I already have homeowners insurance?

If you're in a coastal county, most standard homeowners policies exclude wind and hail. In that case yes — TWIA or a private windstorm policy is what actually covers hurricane wind damage.

Is there a deadline to buy TWIA before a storm?

Yes. TWIA stops binding new coverage once a tropical system threatens the coast, and new policies carry a 30-day waiting period. Place coverage well before hurricane season.

Are there private alternatives to TWIA?

Sometimes. Several private carriers write coastal wind for eligible homes, occasionally at better terms. We check both.

← All carriers

TWIA Home Insurance in Texas

Windstorm and hail coverage for the Texas coast

Windstorm and hail coverage for the 14 designated Texas coastal counties and parts of Harris County.

TWIA is the residual market for windstorm and hail in the 14 designated Texas coastal counties and parts of Harris County east of Highway 146. When the standard market excludes wind, a TWIA policy sits alongside your homeowners policy to fill that gap.

Covers wind and hail only — you still need a companion homeowners policy
Available in the designated coastal counties and parts of Harris County
Requires a certificate of compliance (WPI-8) on new construction and repairs
We handle the coordination between the TWIA policy and your primary carrier

Quote TWIA Ask a Question

Coverage we write with TWIA

Start with the line you need — each page explains Texas-specific limits, then hands off to a quote request pre-set for that coverage.

Most requestedHomeownersCompare Texas homeowners insurance across multiple carriers. Wind, hail, deductible structure and rebuild cost explained by a licensed independent agent in Tomball, TX.Explore homeowners coverage →Also availableAutoTexas auto insurance compared across multiple carriers. State minimum 30/60/25, full coverage, SR-22 filings and uninsured motorist explained by a licensed Texas agent.Explore auto coverage →Also availableFloodFlood insurance for Texas homes, including properties outside mapped flood zones. NFIP and private flood options compared by a licensed independent agent.Explore flood coverage →Also availableLifeTerm and whole life insurance for Texas families, quoted across many carriers by a licensed LUTCF agent. Honest guidance on how much coverage you actually need.Explore life coverage →

Common questions

Do I need TWIA if I already have homeowners insurance?: If you're in a coastal county, most standard homeowners policies exclude wind and hail. In that case yes — TWIA or a private windstorm policy is what actually covers hurricane wind damage.
Is there a deadline to buy TWIA before a storm?: Yes. TWIA stops binding new coverage once a tropical system threatens the coast, and new policies carry a 30-day waiting period. Place coverage well before hurricane season.
Are there private alternatives to TWIA?: Sometimes. Several private carriers write coastal wind for eligible homes, occasionally at better terms. We check both.

Heritage Texas Insurance Group is an independent agency. TWIA — Texas Windstorm Insurance Association is not affiliated with this website, and listing here indicates an appointment or wholesale access rather than an endorsement. Coverage is subject to underwriting approval and policy terms.