Bill > SB213

This bill prohibits insurance companies operating in Texas from requiring customers to purchase both residential property and personal automobile insurance policies from the same insurer or an affiliated company. Specifically, insurers cannot make the issuance, delivery, or renewal of a residential property insurance policy contingent on purchasing a personal automobile insurance policy, or vice versa. The law applies to various types of insurance providers, including county mutual insurance companies, Lloyd's plans, reciprocal exchanges, farm mutual insurance companies, and fire or casualty insurance companies. The bill does not apply to certain types of specialized insurance, such as windstorm insurance from the Texas Windstorm Insurance Association, National Flood Insurance Program policies, or personal umbrella insurance policies. While individuals cannot bring private legal actions against insurers for violating these provisions, the attorney general retains the authority to take action. The bill is set to take effect on September 1, 2025, and aims to prevent insurers from forcing consumers to bundle their insurance policies, thereby potentially increasing consumer choice and preventing anti-competitive practices in the insurance market.

Business and Industry

https://capitol.texas.gov/BillLookup/History.aspx?LegSess=89R&Bill=SB213