TX SB2156

Requires firearm owners to obtain and maintain at least $100,000 in liability insurance to cover damages from negligent or willful acts involving firearm use, including death, injury, or property damage

Exempts peace officers, licensed private security personnel, and active duty military members from the insurance requirement; coverage is also not required for acts of self-defense or defense of others

Firearm owners must provide proof of insurance to peace officers upon request, which can be shown via paper policy, digital image on a wireless device, or insurance binder

Owners remain responsible for lost or stolen firearms until they report the loss or theft to law enforcement

Violations carry a civil penalty of up to $100,000, with the attorney general authorized to seek injunctions prohibiting firearm possession for repeat offenders (1-year ban for first repeat, 2-year ban for subsequent repeats); compliance deadline is November 1, 2025