Wind and hail may be included in a Texas home policy or handled separately, especially on the coast. Guy must review the address and proposed documents. TWIA eligibility has specific requirements; a campus or city name does not establish eligibility.
COLLEGE STATION · BRAZOS VALLEY & CENTRAL TEXAS
Family occupancy and rental plans deserve one conversation.
Distinguish a property in College Station from one in Bryan, and identify the school and intended occupants. A parent buying for an Aggie and an investor leasing to unrelated students bring different questions.
Explain whether a student will live alone, with roommates, or in a property leased entirely to other students. Include the plan after graduation and any gap between leases.
Property-specific insurance context
Ask about wind/hail deductibles and address-specific flood information. Insurance terms follow the actual policy and property, rather than a citywide assumption.
Locate wind and hail in the proposed coverage, exclusions, and deductible schedule. If they are excluded from a home policy, ask Guy what separate options can be reviewed. Keep flood in its own conversation; windstorm protection is not a substitute for flood coverage. Save the answer with the property address and policy period.
02
Convert the percentage using the right base.
Use the Deductible Dollar Explorer with the amount named in the policy, not automatically the purchase price or loan balance. Ask whether the policy has a separate wind/hail or named-storm deductible and when each applies. The tool performs arithmetic only. It does not determine which deductible applies to a loss or how much a carrier would pay.
03
For a coastal property, gather documentation early.
TWIA has a designated service area and additional eligibility requirements, including documentation that may concern prior market availability and construction compliance. Ask Guy to identify what is relevant to the actual address. Supply inspection or windstorm certificate records when available, and discuss closing timing before relying on an assumed quote or effective date.
Keep these questions distinct
Part of the conversation
What to bring or ask
Inland home policy
Verify inclusion, exclusions, and wind/hail deductible
Coastal property
Ask about separate windstorm options and documentation
ILLUSTRATIVE CONVERSATION · NOT A COVERAGE DECISION
Put it into a real housing question.
A proposed policy lists a 2% deductible using a $400,000 dwelling limit. The arithmetic is $8,000. Ask Guy to confirm both the policy’s base and the event that would trigger that deductible.
General guidance starts the conversation. Guy reviews the actual policy and property.
Which deductible applies to wind or hail under this proposal?+
Wind and hail may be included in a Texas home policy or handled separately, especially on the coast. Guy must review the address and proposed documents. TWIA eligibility has specific requirements; a campus or city name does not establish eligibility.
What address-specific documentation is still required?+
Bring the property, current or proposed policy documents, and the details in this guide to Guy. He can review the actual wording and explain the next questions for your situation.
Educational information for Texas college housing. CollegeHousing.ai does not sell, bind, or underwrite insurance. Tools organize a conversation; they do not estimate premiums, determine eligibility, recommend a policy, or confirm coverage. Guy Wehman, a Texas-licensed insurance professional, reviews your actual situation. Coverage depends on the policy, exclusions, endorsements, insurer, and underwriting.
Guy Wehman · Goosehead Insurance · Texas license #883492. Verify Guy’s professional profile. CollegeHousing.ai’s published scope for Guy is Texas only. The phone above is the CollegeHousing.ai direct contact supplied for Guy.
