wind, weight of snow/ice, hail, etc.).  

@John Chapman  I am with John on this one.Texas is the last place I would look for vanilla cash flow rentals.tax's  foundation issues.. hail wind etc etcUnless you think there is a great chance at upward movement in values to compensate then I really don't get the idea of investing in that state unless you live in that state and enjoy Zero state income tax to offset the other high cost of ownership there. 

That one should never be a surprise unless you had a big hail storm.

I'm biased towards this since I live in the SW where contractors constantly rip off unsespecting folks when hail storms roll in.  

Basic typically includes the following: Fire, Lightning, Explosion, Wind/Hail (but not Named Storm/Hurricane), Smoke, Aircraft and Vehicles, Riot or Civil Commotion, Volcanic Action, Sprinkler Leakage, Sinkhole Collapse, Vandalism/Malicious Mischief.The DP3 is also known as Special Form and that gives you coverage for any physical losses not specifically excluded in the policy.

Should I do a hail mary and look for another finance house? 

Recently it was in a tornado zone and had massive hail damage. 

Maybe not though, everyone in Missouri gets earthquake insurance and we have a hail storm atleast oncec a month so that could be the difference in cost. 

I was wondering, the typical insurance you need is: Landlord insurance (for fires, hail, explosions etc..)

I have heard that the screens were paid for by an insurance settlement after a very damaging hail storm last year.