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Windstorm insurance on Redfish Bay and Corpus Christi Bay
Aransas Pass and Ingleside sit on the bays just across the water from Port Aransas. Aransas Pass is home to the ferry landing to Mustang Island, and Ingleside and Ingleside on the Bay face Corpus Christi Bay. Hurricane Harvey came ashore nearby in 2017 and caused heavy wind damage in both towns, so homeowners here know how much good wind coverage matters.
Rebuilt and newer homes
Many homes in the area were repaired or rebuilt after Harvey, often with new roofs and windstorm certificates. Keep your certificates and roof records, because they can open more private options and lower your price. If your post-Harvey work was never certified, we can explain your choices.
TWIA and private coverage
San Patricio and Aransas counties are both in TWIA's coastal service area. We shop private carriers first and compare them with TWIA. TWIA generally requires a private-market declination, a windstorm certificate where one applies, and a home in good repair.
Storm surge and flood
Homes near the water face storm surge risk, and windstorm insurance does not cover flooding. Ask us about flood insurance, which usually has a 30-day waiting period.
Request your windstorm quote
Use the quote form above. We also serve Port Aransas, Rockport and Portland. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance, see what windstorm insurance costs, or compare TWIA vs. private windstorm insurance.
Aransas Pass & Ingleside Windstorm FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. Aransas Pass and Ingleside is in San Patricio County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most Aransas Pass and Ingleside homeowners need either a separate windstorm policy or a homeowners policy that includes wind. Without it, a hurricane or hailstorm could leave you paying for roof and structural damage yourself.
There is no single price. Your premium depends on your home's exact location, age and construction, roof type and age, coverage amount, and deductible. Homes rebuilt after Harvey with new roofs and certificates often get better pricing. The fastest way to know your cost is a quote. Send us your Aransas Pass and Ingleside address and we will compare private carriers and TWIA. Request a Aransas Pass and Ingleside windstorm quote.
A WPI-8 is a windstorm certificate of compliance from the Texas Department of Insurance, not a city permit, and it matters most for insurance. San Patricio County is in TWIA's coastal area, so a home built, added on to, or repaired (including re-roofed) since January 1, 1988 generally needs a WPI-8, WPI-8-E, or WPI-8-C to qualify for TWIA coverage. This includes roofs and repairs completed after Hurricane Harvey. Search for existing certificates with the TDI windstorm certificate lookup, or read our WPI-8 certificate guide.
If the repairs included structural work or a new roof, a windstorm certificate was generally required for TWIA eligibility. Check the TDI lookup for your address. If the work was never certified, a Texas engineer may be able to issue a WPI-8-E, or a private carrier may insure the home without one.