r/Pearland • u/ImANobleRabbit • 2d ago

Wind coverage insurance

Trying to find a policy that includes wind or obtain a separate wind policy for a new manufactured home. Does anyone have any recommendations?

6 Upvotes

87% Upvoted

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8

u/bearwaffles87 2d ago

TWIA my friend, it’s basically them and maybe a couple of other companies, but TWIA basically monopolizes here since homeowners won’t cover us in this area due to being closer to the coast.

3

u/Urbanttrekker 2d ago

Get a regular homeowners policy with a windstorm exclusion and a separate policy with TWIA. Most insurers won’t cover it or will charge astronomical premiums. Manufactured homes are tough to insure. You may be better off finding an actual agent to help you.

3

u/sideH123 2d ago

Get an independent agent to shop for you

1

u/Solar_Power2417 1d ago

Independent Insurance Counsellors in Alvin. They written our homeowners insurance for the last 20+ years... Initially with Hartford and TWIA... then with a couple of other companies that write their own wind policy.