Hotel and motel owners in Houston face a coverage landscape shaped by Gulf Coast weather and Texas-specific windstorm rules. We place both limited-service and full-service properties across Texas, with attention to the wind and hail exposure that drives hospitality risk in this part of the state.
We respond within one business hour.
Hotel and motel owners in Houston face a coverage landscape shaped by Gulf Coast weather and Texas-specific windstorm rules. We place both limited-service and full-service properties across Texas, with attention to the wind and hail exposure that drives hospitality risk in this part of the state.
Texas does not legally mandate windstorm insurance, but in coastal areas it’s effectively unavoidable — standard property policies often exclude wind and hail, and lenders typically require separate coverage. Wind and hail coverage in the 14 first-tier coastal counties (and parts of Harris County east of Highway 146) is written through the Texas Windstorm Insurance Association (TWIA), the state’s insurer of last resort, or through private excess-and-surplus markets. TWIA is monoline — it covers only wind and hail, so a companion policy is needed for fire, theft, and liability — and eligibility requires a Windstorm Certificate of Compliance (WPI-8) showing the structure meets Texas Department of Insurance building codes. For a Houston hotel, getting the property/wind structure right is the difference between a covered claim and a denied one.
With 20+ years of combined experience and access to Hartford, Travelers, Lloyd’s of London, Hiscox, Progressive, and Guard, we find the right fit for your Houston business — not just the first quote we can bind.
Independent means we work for you — not the carriers.
It depends on location. Texas law doesn’t mandate windstorm coverage, but standard property policies often exclude wind and hail in coastal areas, and lenders usually require it. Properties in the 14 first-tier coastal counties or parts of Harris County east of Highway 146 typically need wind coverage through TWIA or a private excess-and-surplus carrier.
A WPI-8 is a Windstorm Certificate of Compliance confirming a structure meets Texas Department of Insurance windstorm building codes. It’s required to obtain or keep TWIA wind coverage. Any new roof or structural repair in a TWIA zone generally needs one to stay eligible.
No. TWIA is monoline — it covers only wind and hail. You’ll need a companion policy for fire, theft, liability, and other perils. We coordinate the full program so there are no gaps between your wind coverage and the rest of your policy.
If your hotel has a bar, restaurant, or serves alcohol to guests, liquor liability is important — alcohol-related claims are generally excluded from general liability. We can build it into your program.
Many Texas hotels are well outside the coastal wind zones, in which case standard property coverage usually handles wind. We confirm your county and location so you’re neither underinsured on the coast nor overpaying inland.
We respond to Houston-area quote requests within one business hour during business hours. Call (469) 983-2600 or submit the form above.
We’ll call you within the hour.