TWIA policyholders may choose to pay TWIA directly either online or by mail. Or TWIA policyholders may choose to pay TWIA through their agent, who will then pay TWIA on their behalf. This page explains the options for: policyholder and agent payment methods, installments and when they are available, and the mailing methods for paper checks and money orders.
Payment Options
Policyholders
Choose From One of the Options Below
TWIA policyholders may choose to pay TWIA directly either online or by mail. Or TWIA policyholders may choose to pay TWIA through their agent or mortgage company.
Pay Online Through a Third-Party Website
Policyholders will receive confirmation of their payment submission on the third-party website and via a confirmation email. The payment will be applied to the policyholder's TWIA account approximately 24 hours after payment submission. Policies will be processed according to TWIA underwriting guidelines. This service is available for TWIA policyholders only; agents may make online payments on behalf of their clients through Policy Center.
1. Echeck
Required Information: Policyholder's TWIA Online Account Number (where do I find this?), billing address ZIP code, contact information, bank account number, and bank routing number. If you are paying for a commercial policy, be sure to include the "C" at the beginning of your account number on the payment web page.
Fees: None.
Installments Available?: Yes.
2. Credit Card, Debit Card, or ATM Card
Required Information: Policyholder's TWIA Online Account Number (where do I find this?), billing address ZIP code, contact information, and card information. Please note that non-U.S. postal codes are not accepted. If you are paying for a commercial policy, be sure to include the "C" at the beginning of your account number on the payment web page.
Fees: The credit card processing company will charge a convenience fee. TWIA does not receive any funds from this fee. The fee is non-refundable.
Installments Available?: Yes.
Additional Payment Options
3. Paper Check
Required Information: Policyholder must mail the payment coupon provided by their agent or from their renewal packet along with their check.
Fees: None. However, postage will apply.
Installments Available?: Yes.
Read about accepted mailing methods.
4. Through Their Agent
Required Information: Policyholders may contact their agent to discuss the payment options they provide.
Fees: Varies by agent. TWIA does not receive any funds from these fees.
Installments Available?: Yes.
5. Through Their Mortgage Company
Required Information: Policyholders may contact their mortgage company to discuss the payment options they provide.
Fees: Varies by mortgage company. TWIA does not receive any funds from these fees.
Installments Available?: Policyholders may contact their mortgage company to discuss the payment options they provide.
Important Details
Payments cannot be made over the phone to TWIA.
Refunds for policyholder payments made by Echeck, credit/debit/ATM card, or paper check will be mailed to the policyholder in the form of a check.
Policyholders with questions about payment options may contact us at payments@twia.org or (800) 788-8247. They may also contact their agent.
Agents
Choose From One of the Options Below
Agents receive the premium payment from the client, their mortgage company, or a premium finance company. The options below outline how agents can then pay TWIA.
Pay Online Through Policy Center
Agents can pay the policy premium on behalf of their clients through Policy Center.
1. Echeck
Required Information: Policyholder's address, contact information, bank account number, and bank routing number.
Fees: None.
Installments Available?: Yes.
2. Electronic Funds Transfer (EFT)
Required Information: Policyholder's policy number, address, and contact information. The insurance agency's bank account and routing numbers.
Fees: None.
Installments Available?: No.
3. Premium Financing (Wellington and other financing companies)
Required Information: Coordinate with the insurance premium finance company.
Fees: Varies by insurance premium finance company. TWIA does not receive any funds from these fees.
Installments Available?: Through the insurance premium finance company.
4. Paper Check or Money Order
Required Information: Agents must mail the payment coupon from Policy Center along with the check/money order (including the down payment check if premium financed through an insurance premium finance company other than Wellington) to TWIA.
Fees: None. However, postage will apply.
Installments Available?: Yes.
Read about accepted mailing methods.
Important Details
Payments cannot be made over the phone to TWIA.
Refunds for payments made by the agent will be mailed to the policyholder in the form of a check.
To learn more about TWIA payment options available to agents, please see the Payments section of our Training Center, the Agents - Policyholder Online Payments section of our Frequently Asked Questions page, or contact Agent Services at payments@twia.org or (800) 788-8247.
Installments
Policyholders can pay for their policy in two installments. TWIA must receive 50% or more of the premium to issue or renew the policy. The remaining balance will be due in four months from the policy effective date. TWIA will mail policyholders their policy packet upon receipt of the first payment and a notice when it is time to make the second payment.
Once the policyholder chooses to pay by installments, they must keep the installment plan for the remainder of their policy term. If a policyholder chooses to pay for their policy in installments, their agent can only submit the first payment for them. The policyholder must make the second payment by one of the policyholder payment options.
Mailing Methods for Paper Checks and Money Orders
Preferred Mailing Method: TWIA PO Box mailing address. This option is recommended for those who do not wish to pay online. Payments mailed with the payment coupon by USPS to the PO Box address below will be posted using the date the payment is received by TWIA and applied to the policy the next business day.
Mail to:
TWIA
PO Box 843146
Dallas, TX 75284-3146
Additional Mailing Methods: This option is recommended for those who do not wish to pay online and who are making a payment close to the due date. Payments sent by any of the traceable mailing methods listed below will be posted using the date the payment was mailed:
- USPS Registered Mail
- USPS Certified Mail
- USPS Priority Mail Express
- Regular mail that is hand-cancelled by USPS
- Other services that provide acceptable, traceable proof of mail date
Mail to:
TWIA
5700 South MoPac Expressway, Building A
Austin, TX 78749
Credit Card Processing Company Convenience Fees
The credit card processing company charges a convenience fee of 1.99-2.99% of the premium amount. The specific percentages are outlined in the table below. TWIA does not receive any funds from these fees. The fees are non-refundable.
