A new law in Texas requires insurance companies to provide written explanations when they decline, cancel, or do not renew auto or home insurance policies. The legislation, known as HB 2067, applies to decisions made after January 1, 2026.
According to the Texas Department of Insurance (TDI), this change aims to give homeowners and drivers information that may help them address issues with their coverage. For example, if a homeowner’s policy is not renewed due to unrepaired damage, knowing the reason could allow them to make necessary repairs and maintain insurability. Similarly, auto policyholders who have caused multiple accidents or engaged in reckless driving may receive notice that allows them to adjust their behavior.
Later in the year, insurance companies will begin submitting reports to TDI summarizing their reasons for declining, canceling, or not renewing policies. TDI plans to compile this data and make it available online.
Consumers who do not receive a written explanation from their insurer can file a complaint with TDI. Questions about insurance can be directed to the TDI Help Line at 800-252-3439 or through the agency’s website at www.tdi.texas.gov.
