Coastal Texas insurance, put together the right way.
On the Gulf Coast a home is usually three policies: the homeowners policy, windstorm through TWIA or a private carrier, and flood. Getting the pieces to fit, and buying them before a storm is in the Gulf, is the whole job. We do it every week from Galveston to Port Isabel.
- 4.7-star Google rating
- Writing Texas policies since 2005
- Licensed Texas agency
- No cost, no obligation
What are we quoting today?
Pick one to get started. Two minutes, no obligation. We compare across our carriers, then we call you.
Something else? Renters, commercial, umbrella, boat, RV, windstorm and flood: call (281) 304-8991.
- 2005Year we opened
- 25+Carriers we quote
- 4.7 ★Google rating
- StatewideEvery corner of Texas
What we watch for in the Texas Gulf Coast.
The 14 Texas coastal counties, plus the part of Harris County east of Highway 146, are the seacoast territory where most standard carriers exclude wind and hail. That is why the Texas Windstorm Insurance Association exists. Layering TWIA, flood and a homeowners policy correctly, with deductibles that line up and no gaps, is what separates a coastal policy that works from one that leaves you exposed after a hurricane.
Windstorm: TWIA or a private carrier
In Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy counties, wind and hail are usually written separately. We quote TWIA and, where available, private windstorm carriers, and we make sure your homeowners policy's wind exclusion and your windstorm policy match.
WPI-8 certificates and construction rules
TWIA requires windstorm certificates (WPI-8) for structures built or altered after 1988. If you have added a roof, windows, a deck or a pool enclosure, we check the paperwork before you need it, because a missing certificate can mean no coverage on that improvement.
Flood, including storm surge
Surge from a hurricane is flood, not wind, and only a flood policy pays for it. We quote NFIP and private flood for V and A zones, second homes and rentals on the water, and we explain the 30-day NFIP waiting period so you are not caught short in August.
Buy before the storm
Once a named storm is in the Gulf, carriers and TWIA stop binding new coverage until it passes. The right time to fix your coastal coverage is any week there is nothing on the map. Boats, RVs and golf carts get the same advice.
One request. Every carrier we represent. Your decision.
You never need to come to our office. Here is the whole process.
Tell us what you're insuring
A two-minute form for home, auto or life, or a phone call. Send your current declarations page and we'll compare it line by line.
We shop it for you
We run your Gulf Coast address and details across our carriers and pull the options that actually fit, not just the cheapest headline number.
You choose, we handle the rest
We call you with your options, explain the differences in plain English, and bind by e-signature when you're ready. ID cards and documents arrive by email.
Communities we serve.
Across Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy counties, plus eastern Harris County. If your town is not listed, we still write it.
- Corpus Christi
- Galveston
- Port Aransas
- Rockport
- Aransas Pass
- Portland
- Ingleside
- Victoria
- Port Lavaca
- Bay City
- Lake Jackson
- Freeport
- Angleton
- Texas City
- La Marque
- Beaumont
- Port Arthur
- Orange
- Kingsville
- Port Isabel
- South Padre Island
- Seabrook
- Kemah
- Baytown
Straight answers.
Do I have to buy windstorm through TWIA?
Not always. Some private carriers still write wind in parts of the coast, and a few homeowners carriers include wind. We quote every route we have and show you the total cost of each combination.
What is the difference between a hurricane deductible and a flood deductible?
They are on different policies. Your windstorm policy has a percentage deductible for named storms. Your flood policy has its own deductible. If a hurricane brings both wind damage and surge, you can owe both. We size them so the total is something you could actually pay.
Can you insure my beach house or rental on the island?
Yes. Second homes and rentals in Galveston, Port Aransas, Crystal Beach and South Padre need a dwelling policy, windstorm and flood, and rentals need liability that covers guests. We put the package together.
Is coverage available during hurricane season?
Yes, as long as there is no named storm in the Gulf at the moment you apply. Binding restrictions lift a day or two after a storm passes. We watch the tropics and bind as soon as carriers reopen.
Find out what you should be paying.
Two minutes to start. We compare, we call, you decide. No cost and no obligation, ever.