10/5/2023 0 Comments Quotes about hurricane aftermath![]() On average, TGS Insurance customers save $2,118 per year compared to the state’s average rates for complete hurricane protection. The average cost of full hurricane insurance coverage in Texas is about $2,214 per year among TGS Insurance customers this average includes homeowners insurance, flood insurance, and windstorm coverage written at a 2% deductible. How Much Is Hurricane Insurance in Texas? Be sure to check your home insurance policy to ensure you’re fully covered against the harsh winds hurricanes can produce. Some private insurers offer wind and hail coverage, but for those who have been denied coverage from them, homeowners can turn to Texas Windstorm Insurance Association (TWIA). The coverage includes damages from windstorms such as hurricanes, tropical storms, tornados, thunderstorms, and other natural disasters. ![]() Windstorm Insurance: Windstorm insurance covers direct damages to your home and property caused by wind and/or hail. Hurricane Insurance is not a stand-alone policy but rather the proper combination of policies that cover you from a hurricane’s two most devastating elements: wind and water.įlood Insurance: Flood coverage is not included in your homeowners insurance policy therefore, for full protection against floods caused by long periods of rain, heavy rain, storm surges, blocked storm drainage systems, or levee dam failures, you’ll need a flood insurance policy. Many insurers won’t write new policies once a storm has developed, and a standard home insurance policy won’t cover all hurricane-related damages. One of those preparations for those living in regions affected by hurricanes is making certain that you have the proper insurance in place before it’s too late. The NOAA has already predicted another active, above-average hurricane season for 2023. Since 1980, hurricanes have caused more damage than any other weather-related event and have cost an average of $21.5 billion per event. Hurricane season begins June 1 and runs through November 30. TGS Insurance » Hurricane Insurance Texas Hurricane Insurance
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