up button arrow
https://texasinsurance.org is a privately owned website that is not owned or operated by any government agency

Replacing Tornado Insurance in Texas

There are different reasons you might want to replace your tornado insurance. You can decide to replace your insurance if you find a better or more affordable deal. You can also change your tornado insurance if you find another insurance provider that offers you a policy with more benefits, such as additional coverage or an increase in coverage limits. You might also choose to replace your insurance if you are dissatisfied with the service your current insurance company provides.

Always speak with a licensed Texas insurance professional prior to making any changes that alter your existing tornado damage coverage. Once you switch over to new coverage, it is usually impossible to revert the decision back.

How Do I Switch my Tornado Insurance to Another?

You can switch your tornado insurance to another company at any time. To do so, you need to:

  • Find a new insurer that offers coverage on better than the existing terms,

  • Qualify for coverage - if there are prerequisites,

  • Apply for coverage and be accepted,

  • Pay for new coverage - in full or in payments,

  • Coordinate the start of new tornado insurance and cancellation of old one without gap in coverage.

Before you make any changes to your tornado insurance, make sure that you read more about the policy limits, coverage, and exclusions, and seek the help of a knowledgeable and licensed property insurance agent, who can help you with this process.

How Can I Replace my Tornado Insurance if I Find a Better Deal?

Before you replace your tornado insurance with a better deal, it is important that you find the new coverage before making the switch. Finding a better deal and switching entails:

  1. Looking up all the available tornado insurance policy coverages available in Texas.

  2. Checking all available options for fair and balanced comparison.

  3. Comparing all the necessary features of the policy including the price, covered perils, contract terms, excluded policies, and clauses.

  4. Completing and submitting an application for new coverage and making corrections if needed

  5. Canceling the new deal only after a better deal has been put in place to prevent a lapse in coverage.

To carry out the appropriate research and get your switch done in Texas, you can follow any of the following steps:

  • Reaching out to knowledgeable and properly licensed Texas insurance agents that can access a variety of insurers and also provide multiple coverage options while helping you find and secure a better deal. Agents are typically familiar with all the different policies that include coverage for tornadoes and they can help you find the best deal available on the market. The services of these agents do not come at any cost to you, the insured, so calling them for help comes at no loss. With the help of an agent, you can find different coverage options and choose the best one based on your needs without having to pay any extra cost.

  • Researching the available options online by yourself. This is a limited option because there are plans and options that are only available to agents to see. You can use the Helpinsure portal provided by the Texas Department of Insurance when carrying out your personal research on home insurance policies. When making use of the helpinsure portal remember that only licensed agents authorized to represent insurers will be able to access certain information. It is therefore important that you speak to a properly licensed property insurance agent that is familiar with the market for assistance.

Can I Switch my Tornado Insurance to Another Company?

Yes. You can switch your tornado insurance to another company anytime you want. While attempting to switch your tornado insurance it is important that you consult a Texas licensed insurance agent for advice and assistance. This is because agents typically know the best deals, discounts, and policies available within the state. This makes them the best professionals to assist you with switching your tornado insurance coverage. You can switch your tornado insurance for any of the following reasons:

  1. You find an insurance provider that offers you lower premiums and better discounts

  2. You move to a different location within Texas or have made some new changes to your lifestyle that warrants the change

  3. If you would like to increase or decrease the amount of coverage

  4. If you are dissatisfied with the customer service of your current insurance providers you can change them

  5. If your current insurance provider refuses to include any new property you might have in your current policy you can decide to change.

What Happens if you Change Tornado Insurer Companies?

When you change tornado insurance companies, your coverage with the old company ends. You will need to contact your old insurer to inform them of your decision to cancel. You might have to pay cancellation penalties. Make sure you check the date of commencement of your new insurance so that you do not cancel before the new policy commences. Canceling before the new policy commences could leave you with a lapse (gap) in coverage.

Can I Change Tornado Insurance Companies at Any Time?

Yes, you can change your tornado insurance provider anytime you want. However, you should check the terms and conditions included in your policy so that you do not fall foul of any penalties or caveats included in the policy. It is also advisable to consult a state-licensed Texas property insurance agent before canceling or switching your insurance provider.