Get a Surfside Beach Windstorm Quote
Send us your Surfside Beach address and tell us whether it is a full-time home, second home or rental. We will compare private carriers and TWIA.
Windstorm insurance right on the Gulf
Surfside Beach is a small beach village on Follets Island in Brazoria County, next to Freeport and the mouth of the Old Brazos River. Most homes are elevated beach houses close to the surf. With the Gulf at the doorstep, wind and hail coverage is not optional for Surfside homeowners.
Beach homes are a specialty
Many private carriers avoid homes this close to the beach, so Surfside owners often have fewer choices. We know which carriers still write beach homes, and we compare them with TWIA so you can see the real total cost of each option.
Second homes and short-term rentals
A lot of Surfside homes are weekend houses or vacation rentals. Tell us how your home is used. Rentals usually need a policy built for rental use, and some carriers limit coverage for homes that sit empty for long periods.
TWIA coverage in Surfside Beach
Brazoria County is one of TWIA's first-tier coastal counties. TWIA generally requires a private-market declination, a windstorm certificate where one applies, and a home in good repair.
Flood insurance is a must
Storm surge is the biggest threat to beach homes, and windstorm insurance does not cover it. Many Surfside homes are in high-risk V zones, and TWIA requires flood insurance for some V-zone homes built or changed on or after September 1, 2009. See our flood insurance page.
Request your Surfside Beach windstorm quote
Use the quote form above. We also serve Freeport, Lake Jackson and Galveston. Review TWIA coverage and eligibility requirements.
Learn more about Texas windstorm insurance, see what windstorm insurance costs, or compare TWIA vs. private windstorm insurance.
Surfside Beach Windstorm Insurance FAQs
No law requires it, but if you have a mortgage, your lender will require wind and hail coverage. Surfside Beach is in Brazoria County, and many homeowners policies in the Texas coastal counties exclude wind and hail, so most Surfside Beach 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. Beach homes usually cost more to insure than homes inland, and elevation and construction make a big difference. The fastest way to know your cost is a quote. Send us your Surfside Beach address and we will compare private carriers and TWIA. Request a Surfside Beach 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. Brazoria 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. Search for existing certificates with the TDI windstorm certificate lookup, or read our WPI-8 certificate guide.
Yes. Short-term rentals usually need a policy designed for rental use, with liability coverage for guests. Tell us how many weeks a year the home is rented and we will find a policy that fits, including wind and hail coverage and a separate flood policy.