What are the main coverages provided by TWIA policies?

The primary coverages provided by Texas Windstorm Insurance Association (TWIA) policies are focused on protecting residential structures and personal property in the event of windstorm-related damage. This includes coverage specifically for the dwelling and any other structures associated with the property, as well as personal property within the home.

TWIA is designed primarily to provide windstorm and hail coverage for residential properties located in designated coastal areas of Texas. This makes the first option the most accurate representation of what TWIA policies cover, as they emphasize the physical structure and the belongings of policyholders.

While personal injury and liability may be important aspects of other types of insurance, they are not the main focus of TWIA coverage, which is specifically tailored to address damage caused by wind and hail. Similarly, options related to commercial and residential property or broader categories of flood and windstorm protection may not fully capture the specific intent of TWIA policies, which center explicitly on residential structures against windstorm risks.