Wind Insurance in Houston?

[Leonard L.]

I am buying an investment property in Houston.  Since I am cash buyer, insurances are optional.  I intend to get flood insurance but have been very surprised about wind insurance, both that it is a separate insurance policy and that it is much more expensive than flood insurance.

The house I am buying is modern construction (say last 20 years) and brick.  So I figure the most likely damage from high winds is roof and window damage, not total destruction.  So I am leaning against, but thought I would ask seasoned Houston investors how they view wind insurance.

[Brian Foster]

@Leonard L. would not own a property without ins. Educate yourself and find out if your property is in a flood zone (100yr or 500yr) . We were actually lucky with Harvey (IMHO) because it was a flooding event only. 2008 Hurricane Ike was a Cat 2 when it went through Houston. Took windows out of DT highrises  and snapped 100 ft tall trees in half in places like The Woodlands and Kingwood (well inland). You want insurance against that i think.

Here is who I use:

Ryan Steinberg

Texas Prime Insurance Agency, LLC

He will tell you what you need and won't sell you anything you don't need.