Texas regulators are collecting the first statewide data on why insurance companies decline, cancel or refuse to renew home and auto policies, under House Bill 2067, a law that took effect Jan. 1 and requires the results to be published by ZIP code.
The law lands as Texas homeowners absorb the steepest property insurance increases in the country. Nine of the 10 largest homeowners rate filings nationally in the first quarter of 2026 were in Texas, according to S&P Global Market Intelligence data, led by a Farmers Insurance Company of Texas filing of 22.7 percent. Insurers paid $8.74 billion in Texas homeowners claims in 2025.
Before this year, an insurer that dropped a Texas policyholder owed a written explanation only if the customer asked. HB 2067 amended Insurance Code Chapter 551 to make the disclosure automatic for decisions made on or after Jan. 1, and the Texas Department of Insurance says the notice must identify the specific incidents, circumstances or risk factors behind the decision. Consumers who receive no explanation can file a complaint with TDI.
The second half of the law is broader. Insurers must report their reasons to TDI at least quarterly, organized by ZIP code, and TDI must post an aggregated summary on its website. Reporting under the updated residential and personal auto statistical plans began April 1. The reporting codes require insurers to flag whether a decision relied on aerial imagery rather than other third-party information, and whether a cancellation came within the first 60 days of a new policy.
“By putting this information online, we’re strengthening transparency and giving Texans a clearer picture of the claims being paid and premium amounts where they live,” Insurance Commissioner Amanda Crawford said in a June 22 statement announcing new public county-level premium and claims data.
The disclosure requirement passed with little public attention in a session where a higher-profile insurance measure, Senate Bill 1643, which would have required prior approval of rate increases above 10 percent, failed. Texas remains a “file and use” state, where insurers may charge new rates before TDI completes review. Insurance agents’ trade groups have reminded carriers that boilerplate answers such as “declined due to underwriting guidelines” no longer satisfy the statute.
TDI is now moving to extend the reporting to commercial, farm and ranch, and miscellaneous personal lines. The agency proposed amendments to the Texas Commercial Lines Statistical Plan in the May 22 Texas Register, held a public hearing June 15 and closed comments June 22. If adopted, commercial reporting starts Oct. 1. The first aggregated ZIP-code summaries from home and auto data are expected on TDI’s website after the initial quarterly reports are compiled — the first public map of where, and why, Texans are losing coverage.