TX SB1082

Prohibits insurers from declining to issue or refusing to renew residential property or personal automobile insurance policies based solely on the fact that an applicant or policyholder previously filed an insurance claim

Prohibits insurers from using the dollar amount of previous claims as a basis for declining or not renewing coverage

Allows insurers to still consider the circumstances surrounding previous claims when making coverage decisions

Applies to county mutual insurance companies, Lloyd's plans, reciprocal or interinsurance exchanges, and farm mutual insurance companies

Takes effect September 1, 2025, and applies to policies delivered, issued, or renewed on or after January 1, 2026