Bill Text: TX SB213 | 2025-2026 | 89th Legislature | Enrolled
Bill Title: Relating to prohibiting insurers from requiring the tying of residential property and personal automobile insurance policies.
Sponsorship: Bipartisan Bill
Status: (Passed) 2025-06-20 - Effective on 9/1/25 [SB213 Detail]
Download: Texas-2025-SB213-Enrolled.html
| S.B. No. 213 | ||
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| relating to prohibiting insurers from requiring the tying of | ||
| residential property and personal automobile insurance policies. | ||
| BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: | ||
| SECTION 1. Chapter 551, Insurance Code, is amended by | ||
| adding Subchapter F to read as follows: | ||
| SUBCHAPTER F. CONTINGENCY OF RESIDENTIAL PROPERTY AND PERSONAL | ||
| AUTOMOBILE POLICIES | ||
| Sec. 551.251. DEFINITIONS. In this subchapter, "personal | ||
| automobile insurance" and "residential property insurance" have | ||
| the meanings assigned by Section 38.002. | ||
| 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 insurance company; and | ||
| (5) a fire or casualty insurance company. | ||
| 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 Program; or | ||
| (3) a personal umbrella insurance policy. | ||
| 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 | ||
| residential property insurance policy contingent on the purchase of | ||
| a personal automobile insurance policy from the same insurer or an | ||
| affiliated insurer; or | ||
| (2) make the issuance, delivery, or renewal of a | ||
| personal automobile insurance policy contingent on the purchase of | ||
| a residential property insurance policy from the same insurer or an | ||
| affiliated insurer. | ||
| (b) Notwithstanding Subchapter D, Chapter 541, or any other | ||
| law, a person may not bring a private action against an insurer or | ||
| an agent or representative of an insurer for a method, act, or | ||
| practice described by this section. This subsection does not limit | ||
| the authority of the attorney general to bring an action as provided | ||
| by Subchapter E or F, Chapter 541. | ||
| SECTION 2. This Act takes effect September 1, 2025. | ||
| ______________________________ | ______________________________ | |
| President of the Senate | Speaker of the House | |
| I hereby certify that S.B. No. 213 passed the Senate on | ||
| March 27, 2025, by the following vote: Yeas 30, Nays 0; and that | ||
| the Senate concurred in House amendment on May 26, 2025, by the | ||
| following vote: Yeas 31, Nays 0. | ||
| ______________________________ | ||
| Secretary of the Senate | ||
| I hereby certify that S.B. No. 213 passed the House, with | ||
| amendment, on May 21, 2025, by the following vote: Yeas 145, | ||
| Nays 1, two present not voting. | ||
| ______________________________ | ||
| Chief Clerk of the House | ||
| Approved: | ||
| ______________________________ | ||
| Date | ||
| ______________________________ | ||
| Governor | ||
