STR insurance/windstorm policy question

[Stephanie DeBerry]

I am trying to find STR insurance coverage for 2 garage apartment units that I would like to use as STRs full-time and my house that I would like to use as a STR when out of town for work (maybe half the year). All 3 units on same parcel in Houston. Proper Insurance says they can insure my property in this scenario, but suggests I find my own windstorm policy as theirs is commercial and over $8k/yr. No luck yet in my search for a separate windstorm policy. Has anyone encountered this before?

[Ross Rauschenbach]

Are you in coastal tier 1? If so, you'll probably only be able to find windstorm coverage through TWIA (the state's program, any insurance broker should be able to write a TWIA policy. If you're not in windstorm tier 1 and your provider is still limiting windstorm coverage that severely I would recommend finding a new insurer. The STR activity should typically be covered under an homeowners policy (HO-3).

source: I was an insurance agent before I started my career in property tax reduction.