Insurance: Lenders will require three types of insurance coverage on coastal area properties: windstorm, flood and homeowner's insurance. Windstorm coverage is offered by the state and flood is offered through the national government. Consult with an area specialist and remember to look into the expense of insurance costs at the start of your home search. A great flood insurance resource is http://floodsmart.gov. Information concerning Texas windstorm insurance can be found at http://twia.org/.

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