Insurance question- Coastal Area

[raider red 2000]

We recently bought a house in Refugio.

Do we need to have windstorm insurance?
Required?

We are considered an inland II of intracoastal canal.

My insurance agent thinks we need to have it. He is in a different county and has said he dosnt know all of the ins and outs of it.

Should I contact the mortgage company?

any info would be helpful.

thanks
RR2K

[Ranger Mom]

44inarow may be the best person to ask. She works for an Insurance company.

[sinton66]

Some of the insurance companies use US77 as the dividing line. If you live east of US 77 they force you to go to TWIA for windstorm. If you live west of US77 they normally cover under their own policy. This is definitely the standard with Farm Bureau. Allstate goes 3 counties deep from the coast before they will cover. TWIA is ridiculous on their rates. I abandoned Allstate after 40 years because of this.

[44INAROW]

Tomas - email me (I pm'd my email address on FB) I will check the underwriting for your County and see if we can write homeowners including wind......... that would be the best way to go.. TWIA rates are horrible and their underwriting is super strict..