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 regulation, 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 could help them address issues affecting their insurability. For example, if a homeowner’s policy is not renewed due to unrepaired damage, knowing the reason allows the owner to make necessary repairs. Similarly, drivers whose auto policies are not renewed because of multiple accidents or reckless driving can use this feedback to improve their driving habits.
Insurance companies will also be required later this year to submit reports summarizing their reasons for declining, canceling, or not renewing policies. TDI will compile these summaries and publish them online for public access.
“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.”
Consumers who do not receive a written explanation from their insurer may file a complaint with TDI. Additional resources and assistance are available through the TDI Help Line at 800-252-3439 or on their website at www.tdi.texas.gov.
