Texas Home Insurance: Compare Home, Wind, and Flood Coverage
Use the property address to compare a Texas homeowners quote, wind and hail terms, and separate flood coverage.
By Insurazon Editorial Team
Build a coverage list for the address
Ask each insurer to identify the address, dwelling limit, deductible, and coverage for wind and hail on the written proposal. Put flood on its own line so you can see whether a separate quote is part of the comparison.
If the property is near the coast, ask directly whether wind and hail are included. The Texas Department of Insurance explains that many coastal homeowners policies exclude wind and hail and that most homeowners policies exclude flood. Get the applicable policy wording and any separate proposal for your address.
Texas Department of Insurance guide to home, flood, and wind policiesCompare the cost of the full package
Make one row per policy with the annual premium, the insured property, the deductible, and the proposed effective date. If a proposal lists a percentage deductible, ask which amount it uses and what the deductible would be in dollars.
Before closing or replacing coverage, ask who will confirm the start date for each policy. Keep those answers beside the written offers so you can spot a missing policy or a date that needs clarification.
Insurazon provides general education. Ask your insurer or a licensed insurance professional to review the terms for your situation.