Title IN, Insurance Code

Sec. 551.005. MEMBERSHIP DUES. (a) In this section, "insurer" includes a county mutual insurance company, a Lloyd's plan, and a reciprocal or interinsurance exchange. (b) Except as otherwise provided by law, an insurer may require that membership dues in its sponsoring organizati…

Sec. 551.006. REPORT REQUIRED. (a) An insurer shall provide to the department at least once each quarter a written report summarizing the insurer's reasons for declination, cancellation, or nonrenewal provided to applicants for insurance or policyholders as required by this chapt…

Sec. 551.007. NOTICE OF DECLINATION FOR COMMERCIAL LINES OF INSURANCE. (a) An insurer must deliver a notice of a declination required by this chapter for a completed and submitted application for a commercial line of insurance to the applicant's agent. (b) On receiving a notice d…

Sec. 551.008. ELECTRONIC DELIVERY. An insurer may deliver notice or a written statement of a declination, cancellation, or nonrenewal required by this chapter electronically in accordance with Chapter 35. Added by Acts 2025, 89th Leg., R.S., Ch. 940 (H.B. 2067), Sec. 3, eff. Janu…

Sec. 551.051. DEFINITIONS. In this subchapter: (1) "Commercial property insurance" has the meaning assigned by Section 2251.002. (1-a) "Insurer" means an insurance company or other entity admitted to engage in business and authorized to write liability insurance or commercial pro…

Sec. 551.052. CANCELLATION PROHIBITED; EXCEPTIONS. (a) An insurer may not cancel a liability insurance or commercial property insurance policy that is a renewal or continuation policy. (b) An insurer may not cancel a liability insurance or commercial property insurance policy dur…

Sec. 551.0521. WRITTEN NOTICE OF DECLINATION REQUIRED. An insurer that declines a completed and submitted application for a liability insurance or commercial property insurance policy shall deliver or mail written notice of the declination to the applicant or the applicant's agen…

Sec. 551.053. WRITTEN NOTICE OF CANCELLATION REQUIRED. Not later than the 10th day before the date on which the cancellation of a liability insurance or commercial property insurance policy takes effect, an insurer must deliver or mail written notice of the cancellation to the fi…

Sec. 551.054. WRITTEN NOTICE OF NONRENEWAL REQUIRED. (a) An insurer may refuse to renew a liability insurance or commercial property insurance policy if the insurer delivers or mails written notice of the nonrenewal to the first-named insured under the policy at the address shown…

Sec. 551.055. REASON FOR DECLINATION, CANCELLATION, OR NONRENEWAL REQUIRED. In a notice to an applicant or insured relating to declination, cancellation, or refusal to renew, an insurer must state the reason for the declination, cancellation, or nonrenewal. The statement must com…

Sec. 551.056. CHANGES TO POLICY ON RENEWAL. (a) In this section, "material change" means a change to a policy that, with respect to a previous or existing policy: (1) reduces coverage; (2) changes conditions of coverage; or (3) changes the duties of the insured. (b) A change to a…

Sec. 551.101. DEFINITION. In this subchapter, "insurer" means any authorized insurer writing property and casualty insurance in this state, including: (1) a county mutual insurance company; (2) a Lloyd's plan; (3) a reciprocal or interinsurance exchange; and (4) a farm mutual ins…

Sec. 551.102. APPLICABILITY OF SUBCHAPTER. This subchapter applies only to: (1) a personal automobile insurance policy, other than a policy written through the Texas Automobile Insurance Plan Association; (2) a homeowners or farm or ranch owners insurance policy; (3) a standard f…

Sec. 551.103. CANCELLATION. For the purposes of this subchapter, an insurer has canceled an insurance policy if the insurer, without the consent of the insured: (1) terminates coverage provided under the policy; (2) refuses to provide additional coverage to which the insured is e…

Sec. 551.104. AUTHORIZED CANCELLATION OF POLICIES. (a) An insurer may cancel an insurance policy only as provided by this section. (b) An insurer may cancel any policy if: (1) the named insured does not pay any portion of the premium when due; (2) the insured submits a fraudulent…

Sec. 551.1041. RULEMAKING AUTHORITY RELATING TO NOTICE OF CANCELLATION OF CERTAIN PERSONAL AUTOMOBILE INSURANCE COVERAGES. The commissioner shall exercise the commissioner's rulemaking authority to adopt rules under which an insurer that cancels a personal automobile insurance po…

Sec. 551.105. NONRENEWAL OF POLICIES; NOTICE REQUIRED. Unless the insurer has mailed written notice of nonrenewal or renewal with written notice of change in coverage as provided by Section 2002.001 to the insured not later than the 60th day before the date on which the insurance…

Sec. 551.1053. MANDATORY NONRENEWAL OF PRIVATE PASSENGER AUTOMOBILE INSURANCE POLICIES. (a) If an insured under a private passenger automobile insurance policy fails or refuses to cooperate with an insurer in the investigation, settlement, or defense of a third-party liability cl…

Sec. 551.1055. CHANGES TO POLICY ON RENEWAL. (a) In this section, "material change" means a change to a policy that, with respect to a prior or existing policy: (1) reduces coverage; (2) changes conditions of coverage; or (3) changes the duties of the insured. (b) Notwithstanding…

Sec. 551.106. RENEWAL AND REINSTATEMENT OF PERSONAL AUTOMOBILE INSURANCE POLICIES. (a) An insurer may not refuse to renew a personal automobile insurance policy solely because of the age of the person covered by the policy. (b) An insurer shall renew a personal automobile insuran…

Sec. 551.107. RENEWAL OF CERTAIN POLICIES; PREMIUM SURCHARGE AUTHORIZED; NOTICE. (a) This section applies only to a standard fire, homeowners, or farm or ranch owners insurance policy. (b) A claim under this section does not include a claim: (1) resulting from a loss caused by na…

Sec. 551.108. INSURER RECORDS. (a) An insurer shall maintain information regarding cancellation or nonrenewal of insurance policies in accordance with the insurer's ordinary practices for maintaining records of expired policies. (b) The insurer shall make the information availabl…

Sec. 551.109. INSURER STATEMENT. An insurer shall provide a written statement of the reason for a declination of a completed and submitted application for an insurance policy or a cancellation or nonrenewal of an insurance policy. The statement must comply with: (1) Sections 551.…

Sec. 551.110. LIABILITY FOR DISCLOSURE. An insurer or agent or an employee of an insurer or agent is not liable for a notice, statement, or disclosure made in good faith under this subchapter unless the notice, statement, or disclosure was: (1) known to be false; or (2) made with…

Sec. 551.111. EFFECT OF NONCOMPLIANCE. A cancellation of an insurance policy made in violation of this subchapter has no effect. Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.

Sec. 551.112. RULES. The commissioner may adopt rules relating to the cancellation and nonrenewal of insurance policies. Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.

Sec. 551.113. DECLINATION, NONRENEWAL, OR CANCELLATION PROHIBITED; CONSIDERATION OF CONSUMER INQUIRY. (a) This section applies only to: (1) a standard fire, homeowners, or farm and ranch owners insurance policy; or (2) a personal automobile insurance policy. (b) When deciding to …

Sec. 551.151. DEFINITION. In this subchapter, "insurer" has the meaning assigned by Section 551.101. Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.

Sec. 551.152. ELECTED OFFICIALS. An insurer may not cancel or refuse to renew an insurance policy based solely on the fact that the policyholder is an elected official. Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005. SUBCHAPTER E. PORTABLE ELECTRONICS INSURAN…

Sec. 551.201. DEFINITIONS. In this subchapter, "customer," "portable electronic devices," and "vendor" have the meanings assigned by Section 4055.251. Added by Acts 2013, 83rd Leg., R.S., Ch. 1174 (S.B. 839), Sec. 1, eff. September 1, 2013.

Sec. 551.202. REQUIRED NOTICE OF TERMINATION OR CHANGE TO POLICY. (a) Except as otherwise provided by this subchapter, an insurer may terminate or change the terms and conditions of a policy of portable electronics insurance only after notice to the master or group policyholder a…

Sec. 551.203. TERMINATION FOR FRAUD OR MISREPRESENTATION. (a) An insurer may terminate the coverage of an enrolled customer under a portable electronics insurance policy for fraud or material misrepresentation in obtaining coverage or in the presentation of a claim under the cove…

Sec. 551.204. TERMINATION WITHOUT NOTICE. (a) An insurer may terminate the coverage of an enrolled customer under a portable electronics insurance policy without notice: (1) for nonpayment of premium; (2) if the enrolled customer ceases to have an active service with the vendor o…

Sec. 551.205. TERMINATION BY POLICYHOLDER. A master or group policyholder who terminates a portable electronics insurance policy shall provide notice to each enrolled customer advising the enrolled customer of the termination of the policy and the effective date of termination. T…

Sec. 551.206. FORM OF NOTICE OR CORRESPONDENCE. (a) A notice required by this subchapter, or another notice or correspondence with respect to a portable electronics insurance policy that is required by law, must be: (1) in writing; and (2) sent within the notice period, if any, s…

Sec. 551.251. DEFINITIONS. In this subchapter, "personal automobile insurance" and "residential property insurance" have the meanings assigned by Section 38.002. Added by Acts 2025, 89th Leg., R.S., Ch. 762 (S.B. 213), Sec. 1, eff. September 1, 2025.

Sec. 551.252. APPLICABILITY OF SUBCHAPTER. This subchapter applies to an authorized insurer writing property and casualty insurance in this state, including: (1) a county mutual insurance company; (2) a Lloyd's plan; (3) a reciprocal or interinsurance exchange; (4) a farm mutual …

Sec. 551.253. EXEMPTIONS. This subchapter does not apply to: (1) an insurance policy delivered, issued for delivery, or renewed by the Texas Windstorm Insurance Association; (2) a flood insurance policy delivered, issued for delivery, or renewed under the National Flood Insurance…

Sec. 551.254. REQUIRED TYING OF RESIDENTIAL PROPERTY AND PERSONAL AUTOMOBILE POLICIES. (a) It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance under Chapter 541 to: (1) make the issuance, delivery, or renewal of a residenti…