If you live in an area where tornado warnings are common, like Texas, you will likely need additional coverage to ensure your property is protected. State legislation does not require specific coverages, and tornado insurance is not a separate category. Instead, tornadoes are classified as windstorms and provided for under a separate windstorm policy that would also cover hurricanes. Talking with your insurance specialist will help determine what coverages you have and if additional coverages are necessary to restore your home in the event of tornado damage.