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Factors Affecting Windstorm Insurance Costs

Several factors influence the cost of windstorm insurance in coastal Texas. These include the location of your property, its construction type, and the coverage limits you choose. Homes closer to the coastline or built with materials less resistant to wind damage may face higher premiums. Additionally, the deductible you select can also impact your policy's cost. Typically, higher deductibles result in lower premiums, but they also mean more out-of-pocket expenses in the event of a claim².