Commercial Property
How much does commercial property insurance cost in Texas?
What drives a Texas commercial building's insurance cost: wind and hail deductibles, roof age, and TWIA limits on the coast. Compare the quote behind the price.
In Texas, the premium on a commercial building quote is only half the price. The other half is the wind and hail deductible, which is often a percentage of the building's value rather than a flat amount. Roof age, construction, occupancy and loss history drive the rest. Burch Insurance Group compares commercial property options for apartment, retail, office, warehouse and mixed-use buildings across Texas. Licensed in Texas.
Is commercial property insurance getting cheaper?
The Council of Insurance Agents & Brokers reported an average commercial property premium decrease of 6.3% nationally in its second-quarter 2026 survey. That is not a Texas rate index, and hail-exposed buildings can still face increases or higher deductibles. It is a good reason to compare your renewal rather than accept it unchanged.
How much can the wind and hail deductible change the price?
These are hypothetical illustrations for the same building insured for $3 million, not market quotes.
| Item | Proposal A | Proposal B | Proposal C |
|---|---|---|---|
| Annual premium | $27,000 | $23,500 | $20,000 |
| Wind and hail deductible | $25,000 flat | 2% of building value | 5% of building value |
| What you pay on a wind or hail claim | $25,000 | $60,000 | $150,000 |
Proposal C saves $7,000 a year against A, but one hailstorm would cost $125,000 more out of pocket. Ask each insurer three things: is the deductible flat or a percentage, a percentage of what value, and does it apply per building or per occurrence? Our guide to roof terms and hail deductibles at renewal goes further.
Why the roof matters so much in Texas
In North and Central Texas, roof age often decides whether a standard insurer will quote at all. Older roofs may be offered only actual cash value settlement, which subtracts depreciation, or an exclusion for cosmetic hail damage. Keep the invoice and permit for your last roof replacement and any inspection reports. A documented roof is easier to price than one listed as "unknown."
On the coast: TWIA limits and deductibles
In the 14 first-tier coastal counties and parts of Harris County, wind and hail may come from the Texas Windstorm Insurance Association when private insurers decline it. TDI lists TWIA's maximum limit for a commercial building at $4,424,000, effective January 1, 2026. The standard commercial deductible is 1% per item per occurrence, with optional 2% or 5% deductibles available for a premium credit. TWIA covers wind and hail only, so you need a separate policy for everything else, and value above the TWIA limit has to be insured another way. Your total cost is the sum of those policies. See our Texas commercial building quote page for TWIA eligibility.
What to send for an accurate quote
- Current declarations page and renewal offer
- Building address, construction, year built, square footage and occupancy
- Roof type, replacement date, invoice and any inspection reports
- Five years of loss runs
- For coastal buildings, any WPI-8 certificates and TWIA paperwork
Questions Texas owners ask us
Can I lower my hail deductible? Sometimes, usually for a higher premium or with newer roof documentation. Ask for each option priced in writing.
Why did my premium drop but my deductible go up? Insurers often shift cost into the deductible. Compare what a typical hail claim would cost you under each offer.
Do I need an agent with a Texas office? No. Burch Insurance Group is licensed in Texas and works with owners by phone and online.
Request a Texas commercial property quote, or call 612-712-6407.
Burch Insurance Group is licensed in Texas.
Sources
- CIAB Q2 2026 P&C Market Survey (checked 2026-10-16)
- Texas Windstorm Insurance Association, Coverage and eligibility (checked 2026-11-04)
- Texas Department of Insurance, Texas Windstorm Insurance Association overview (checked 2026-11-04)
Related resources
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