Blanchard Insurance Services
1201 E Mulberry St, Angleton, TX 77515
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1201 E Mulberry St, Angleton, TX 77515
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2700 TX-35, Angleton, TX 77515
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400 W Mulberry St, Angleton, TX 77515
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Learn about insurance coverage options specific to Angleton residents.
Get affordable home insurance in Angleton, TX. Learn about hurricane coverage, flood risks, and how to save on premiums in this Gulf Coast community.
General Insurance EducationComplete insurance guide for Angleton, Texas. Learn why Gulf Coast location requires windstorm and flood coverage, plus current rates and money-saving tips.
Yes, you should strongly consider it. FEMA data shows that 20-25% of flood insurance claims come from outside designated high-risk zones. Angleton's location near Oyster Creek and the Gulf Coast means heavy rainfall from tropical storms can cause flooding anywhere in the city. The median flood insurance policy in Texas costs about $779 annually, which is far less than the tens of thousands you'd pay out of pocket for flood damage.
Texas has experienced dramatic premium increases due to a combination of factors: catastrophic weather damage exceeding $20 billion in 2024, inflation driving up construction and repair costs, and insurers reassessing risk along the Gulf Coast. Premiums rose 21% in 2023 and 19% in 2024. Texas homeowners now pay an average of $4,101 annually, which is 117% higher than the national average of $2,110.
Market value is what a buyer would pay for your house and land together in today's market. Replacement cost is what it would actually cost to rebuild your house from the ground up after a total loss, excluding the land value. Replacement cost is usually higher because it reflects current construction costs, labor, and materials. You should always insure for replacement cost, not market value, to avoid being underinsured after a disaster.
It depends on your specific policy. Standard Texas homeowners insurance typically covers wind damage from hurricanes, but many Gulf Coast policies now exclude windstorm coverage or charge extremely high rates for it. Flood damage from hurricanes is always excluded from standard policies and requires separate flood insurance. Read your policy declarations carefully and ask your agent about wind coverage and whether you need supplemental windstorm insurance.
Raising your deductible from $1,000 to $2,500 can reduce your premium by 15-20%, while jumping to a $5,000 deductible might save you 20-25%. For an Angleton homeowner paying $1,200 annually, that could mean $180-$300 in savings per year. Just make sure you have enough emergency savings to cover the higher deductible if you need to file a claim.
The Texas Windstorm Insurance Association (TWIA) is a state-backed insurance program that provides windstorm and hail coverage for coastal properties when private insurers won't offer it or charge unaffordable rates. It acts as an insurer of last resort for eligible properties in designated catastrophe areas along the Texas coast. If your standard homeowners policy excludes wind coverage, TWIA may be an option to fill that gap.
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