QUOTES
POLICIES
CLAIMS
PAYMENTS
About Texas Windstorm Insurance Association
Protecting the Texas Coast from Wind and Hail
TWIA is a not-for-profit insurance provider created to offer windstorm and hail coverage to residential and commercial property owners along the Texas coast—where traditional insurers often decline coverage due to the high risk of catastrophic hurricanes.
Why TWIA Exists
Standard homeowners insurance policies frequently exclude wind and hail protection for coastal properties, leaving many Texans without the coverage required by mortgage lenders and financial institutions. TWIA fills this critical gap, providing access to essential insurance when the private market cannot.
How TWIA Operates
TWIA functions like a traditional insurance company:
- Issues policies for windstorm and hail coverage
- Collects premiums from policyholders
- Pays claims for damage caused directly by wind and hail events
TWIA policies do not cover losses from flooding or storm surge.
For over three decades, TWIA has been committed to helping coastal communities stay resilient in the face of severe weather.
Frequently Asked Questions
Many insurance companies offer the option to get a quote directly on the carrier website. But to know how their rates compare to other carriers, you would need to spend a lot of time at your computer, entering the same info over and over.
Republic Insurance Group makes it easy - provide your information to us just one time, and we'll do all the work checking rates from all our carriers to find the right combination of coverage and affordability for you.
Start your quote online or call us at 817-516-5501.
Working with Republic Insurance Group gives you a local independent agent who can answer questions, review your coverage, help with policy changes, and check whether better options are available, including with other insurance companies if Texas Windstorm is not the best fit for your specific needs.
Republic Insurance Group is happy to complete a throrough review of your current insurance and search for any and all discounts you may be eligible for.
Yes. Republic Insurance Group can review your Texas Windstorm policy and help check for available discounts.
Discounts vary by company and policy type. Commonly offered discount types include bundling multiple policies together with the same company (like auto and homeowner), safe driving records, home safety features (fire, security, water), prior insurance history, paperless billing enrollment, and paid-in-full options (paying your premium annually instead of monthly).
In most cases, switching agents is pretty simple. You usually do not need to cancel your policy or change insurance companies. Instead, you can ask Texas Windstorm to transfer your policy to a new agent of record.
The process varies by company, but it often involves completing a short Agent of Record form. Once the change is approved, your new agent can help review your coverage, answer questions, and assist with future policy changes and claims.
Our team can help you with keeping your policies with Texas Windstorm, but switching your insurance agent to Republic Insurance Group
No. Republic Insurance Group is an independent insurance agency, which means we are not tied to just one insurance company.
Our job is to recommend the coverage and carrier that best fits your needs, budget, and preferences. If Texas Windstorm offers the best value and the right coverage for you, we will recommend it. If another company provides better coverage or pricing, we will show you those options as well.
Because we represent multiple insurance companies, our goal is to help people find the right fit for their situation, regardless of carrier.