Texas Home and Auto Insurance: Hail, Wind, and Windstorm Coverage

Brightway Insurance, The Ganim Agency is based in Raleigh, NC, and licensed in Texas. We help Texas homeowners and drivers compare coverage by phone and video. Here's what to know about Texas home and auto insurance, including hail, wind, and coastal windstorm coverage.

Texas auto insurance requirements

Texas requires minimum auto liability limits of 30/60/25:

Those limits can be used up quickly in a serious accident. Many Texas drivers choose higher limits. If hail is common where you live, comprehensive coverage is what typically pays for hail damage to your car.

Texas homeowners insurance: hail and wind

Wind and hail are major concerns for Texas homeowners. When comparing policies, look closely at:

Coastal Texas: TWIA windstorm coverage

Along the coast, many private policies don't include wind and hail. The Texas Windstorm Insurance Association (TWIA) offers wind and hail coverage in a designated area: the 14 first-tier coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy) and parts of Harris County east of Highway 146.

To qualify for TWIA, generally:

If you're building, replacing a roof, or doing major repairs on the coast, ask your contractor how they'll get the windstorm inspection done. TDI says most new construction and roof replacements need one.

If your Texas home insurance is non-renewed

According to the Texas Department of Insurance:

Start shopping as soon as you get the notice so you have new coverage in place before the old policy ends.

Frequently Asked Questions

What are the minimum auto insurance limits in Texas?

30/60/25: $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage.

What is TWIA?

The Texas Windstorm Insurance Association provides wind and hail coverage for eligible properties in the 14 first-tier coastal counties and parts of Harris County east of Highway 146.

Do I need a windstorm certificate for TWIA?

Generally, yes. Most properties need a Certificate of Compliance showing they meet windstorm building codes, with limited exceptions.

How much notice do I get if my Texas home policy is non-renewed?

60 days for policies bought or renewed in 2024 or later. Since January 1, 2026, insurers must also give you a written reason.

What if no company will insure my Texas home?

If at least two companies refuse, you may qualify for the Texas FAIR Plan Association. An independent agent can help you check the standard market first.

Get a Free Quote From a Local Independent Agent

Brightway Insurance, The Ganim Agency is an independent Brightway agency based at 5561 McNeely Dr, Unit 203, in Raleigh. We've served clients since 2014 and are licensed in North Carolina, Virginia, South Carolina, and Texas. Because we're independent, we can compare several carriers for you instead of just one. Carrier availability varies by state and by property.

Start your quote online or call 919-443-3300 to talk with our team.