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Know why your auto or home policy was declined, canceled, not renewed
Plain English Summary
A new Texas law requires insurance companies to provide a written explanation if they decline, cancel, or do not renew your auto or home insurance. This law, effective for decisions made after January 1, 2026, helps homeowners and drivers understand the reasons behind these decisions so they can address any issues. For example, if your home has damage that wasn't repaired, you might find it harder to get your policy renewed.
Insurance agents should ensure their clients are aware of this change and encourage them to make necessary repairs or improve their driving habits to maintain their coverage. If clients do not receive a written explanation, they can file a complaint with the Texas Department of Insurance.
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A new Texas law requires insurance companies to tell you in writing why they declined, canceled, or didn’t renew your auto or home insurance.
HB 2067 applies to decisions companies make after January 1, 2026.
This gives homeowners and drivers knowledge to fix issues if they can.
If you have prior home damage that you didn’t get repaired, a company might not renew your policy. If you know this, you can make repairs to keep your home insurable.
A company might not want to renew your auto policy if you caused multiple accidents or have been driving recklessly. Once you know, you can be more careful on the road.
Later this year, companies will start giving the Texas Department of Insurance (TDI) reports summarizing their reasons for declining, canceling, or not renewing policies. TDI will combine the information and post it online.
You can file a complaint with TDI if you don’t get a written explanation from your insurance company.
Have a question about insurance? Call the TDI Help Line at 800-252-3439 or visit
www.tdi.texas.gov
.