Who does the TWIA primarily serve?

The TWIA, or Texas Windstorm Insurance Association, primarily serves property owners in high-risk coastal areas. This organization was established to provide windstorm and hail insurance to those who reside in regions of the Texas coast that are at a higher risk for such natural disasters. The primary mission of TWIA is to ensure that individuals living in these vulnerable areas have access to affordable insurance coverage that might otherwise be unavailable in the private insurance market.

While the other options refer to different groups, they do not accurately reflect TWIA's focus. For example, TWIA does not serve all insurance companies nor is it a provider strictly for commercial businesses or homeowners throughout the entire United States. Its specific mandate addresses the needs of those living in designated coastal areas of Texas, thereby fulfilling a critical role in protecting these property owners from potential windstorm-related losses.