Coverage for coastal properties is split into three separate policies which can be provided as package coverage.
Hazard Insurance coverage with Farmers includes ; Fire , lightning, explosion, riot & civil commotion, aircraft, vehicle damage, sudden and accidental discharge fro plumbing or heating, rupture or burst of water, sudden and accidental discharge eruption or overflow or release of water or steam, falling objects, freezing of plumbing, collapse of building , glass breakage, theft.
Windstorm coverage is with the Texas Windstorm Insurance Association to cover Wind, Hail and Tropical Cyclone (a named storm or the remains thereof). Note that Wind coverage carries a separate deductible for dwelling and contents. Also, the rates for this coverage are set by the State of Texas so all things being equal; all agents will have the same rate.
Flood Insurance is covered on a separate policy and covers rising water and tidal surge. Again, the rates are set by the Federal Government, so rates are the same with all companies. 317.00 Year