TX SB593

Prohibits insurers from increasing personal automobile or residential property insurance premiums solely because a policyholder filed a claim for damage or injury caused by a governmental body, officer, or employee protected by sovereign, governmental, or official immunity

Applies to all types of insurers writing personal auto or residential property insurance in Texas, including insurance companies, mutual insurance companies, county mutual companies, farm mutual companies, reciprocal exchanges, and Lloyd's plans

Targets situations where policyholders cannot recover damages from the government due to immunity protections and must instead rely on their own insurance

Applies to insurance policies delivered, issued, or renewed on or after January 1, 2026

Takes effect September 1, 2025