Your rights under Texas law

A plain-English summary of what TDI says. It isn't legal advice.

• Notice of nonrenewal: 60 days if you bought or renewed in 2024 or later; 30 days for policies bought or renewed in 2023 or earlier (TDI).
• Notice of cancellation: at least 10 days. You also have the right to cancel your policy early (TDI).
• The reason, in writing: the company must give you the reason for a nonrenewal if you ask, and for declinations, cancellations and nonrenewals after January 1, 2026 it must give you a written statement of why. That requirement comes from House Bill 2067 (2025), which also makes insurers report these actions to TDI (TDI).
• Credit can't be the only reason: companies can't deny, cancel or nonrenew a home or auto policy based only on credit information without other underwriting factors (TDI).
• Complaints: if you think a company acted unfairly, you can file a complaint with TDI (TDI).
• Insurer of last resort: if at least two companies refuse to insure your home, you may be able to buy through the Texas FAIR Plan (TDI).
• Bill of Rights: Texas has a Consumer Bill of Rights for home and renters insurance; see TDI's home insurance guide.