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Learn About Your Payment Options

Pay your policy premium using the installment plan and payment method that works for you. Learn about your options below.

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Installment Plans

Pay your policy in full or choose an installment plan to fit your needs.

Available Plans

All plans offered at no additional cost.

Choose Your Plan When:

  • You submit your application
  • You make your down payment
  • Your policy renews

Click a plan to learn more:

Full Pay | Plan Summary

As simple as it gets. One payment for your full premium and you’re done.

First

Down Payment

100% of Your Premium

Due before your policy start date

Then

No Installments

–

Nothing more to pay

2-Pay | Plan Summary

Half now, half later. Pay the second half of your premium after 4 months.

First

Down Payment

50% of Your Premium

Due before your policy start date

Then

1 Installment

50% of Your Premium

Due after 4 months

4-Pay | Plan Summary

Spread your payments out. Make a down payment and pay the rest in three quarterly installments.

First

Down Payment

30% of Your Premium

Due before your policy start date

Then

3 Installments

23.3% of Your Premium

Due every 3 months

10-Pay | Plan Summary

Pay monthly for your policy. Enroll in Auto Pay, make your down payment through the portal, and your remaining monthly installments will be automatically drafted.

10-Pay with Auto Draft

  • 10-Pay is only available with Auto Pay.
  • If Auto Pay is not active on your billing date, your plan changes to 4-Pay for the rest of your policy term.
  • You can choose 10-Pay again at renewal.

First

Down Payment

15% of Your Premium

Due before your policy start date

Then

9 Installments

9.4% of Your Premium

Due monthly

Payment Methods

You may choose to submit your own payment, or it may be submitted by your mortgage escrow provider or your insurance agent on your behalf.

Pay Online

Submit your payment online using the Portal or Guest Pay.

Pay With

Bank Account
ACH/eCheck

or Credit/Debit Card
Nonrefundable Fee Applies

  • American Express accepted in Guest Pay
  • History of payments is available in Portal

Portal

Use Portal to pay new policies, renewals, installments, and invoices. You can also enroll in Auto Pay.

You Can Pay

  • Installments
  • Renewals
  • New Policy

Features Included

  • Auto Pay
  • Payment History
  • Installment Schedule
Use Portal

Portal Payments

This service is available for all policy premium payment types. Need help making a payment? We provide a step-by-step guide.

View Guide
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Portal Preview:

Guest Pay

Use Guest Pay for installments and invoices (including policy changes) only.

You Can Pay

  • Installments
  • No Renewals
  • No New Policies

You Will Need

  • Policy Number
  • Mailing Zip Code
  • Cutoff Times Apply
Use Guest Pay

Guest Pay Payments

This service is not available for the first (down) payment on new or renewing policies. Need help making a payment? We provide a step-by-step guide.

View Guide

Frequently Asked Questions

Why can’t I make the down payment in Guest Pay?

Guest Pay functionality will be implemented in a phased approach. The current release allows making payments on issued policies. Paying offers and renewal down payments will be introduced in a future release.

When will I be able to pay a down payment in Guest Pay?

We are always working to improve our systems, but we do not have a timeline on when this functionality will be added.

What is the “Amount Due”?

The “Amount Due” includes all currently billed and past due installments.

What is the “Total Unpaid Premium”?

The “Total Unpaid Premium” is the total remaining amount owed on the policy term. This includes the “Amount Due” in addition to future, unbilled invoices for the policy term.

Guest Pay Preview:

Pay By Mail

Payments sent by mail are processed using the date the payment is received by TWIA.

What To Include

  • Check or money order
  • Made payable to Texas Windstorm Insurance Association
  • Payment coupon
  • Detach from bottom of bill

Send To

Texas Windstorm Insurance Association
PO Box 843146
Dallas, TX 75284-3146

Rush payments must be sent by traceable mail to the address below with the coupon.

What To Include

  • Check or money order
  • Made payable to Texas Windstorm Insurance Association
  • Payment coupon
  • Detach from bottom of bill

Send To

Texas Windstorm Insurance Association
4801 Southwest Parkway
Building 1, Suite 200
Austin, TX 78735

Rush payments are processed using the date the payment was mailed, if the requirements are met.

Pay By Phone

Not Offered

We are evaluating potential solutions for phone payments. We do not know if or when this option will be available.

Pay By Agent

Agents may submit payments to TWIA on behalf of their clients. Agents are not required to offer this service.

Contact your agent for details.

Payment Methods
Agents may make payments online or by mail.

Paying Online
Agents may use Agent Portal to pay new and renewing policies online. Agent Portal only accepts ACH payments. This including EFT (saved) and eCheck (one-time) payments.

Use Agent Portal

Agents may pay installments and invoices online using Guest Pay.

Use Guest Pay

Pay By Mortgage Escrow

Your mortgage company may pay your TWIA policy from an escrow account that they manage on your behalf.

An escrow account holds money that is collected with your monthly mortgage payments to cover expenses such as property taxes and insurance premiums. Your insurance agent can provide more information about this option

Your agent provides TWIA with your mortgage escrow details when you apply for insurance. Please review your paperwork to make sure that the information is correct.

New Policy
TWIA does NOT send any information to the mortgage company for the first term of your policy. Your agent will explain how to submit your premium payment.

Renewals
For renewals, we send your renewal offer to your mortgage company, who submits payment to TWIA. This process is automated and requires no action from you.

Please Note: TWIA is not responsible for nonpayment by your mortgage company. Any lapse in coverage or nonrenewal due to a late or missed payment will apply.

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