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89(R) SB 213 - Enrolled version - Bill Text
S.B. No. 213
AN ACT
relating to prohibiting insurers from requiring the tying of
residential property and personal automobile insurance policies.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
SECTION 1. Chapter 551, Insurance Code, is amended by
adding Subchapter F to read as follows:
SUBCHAPTER F. CONTINGENCY OF RESIDENTIAL PROPERTY AND PERSONAL
AUTOMOBILE POLICIES
Sec.
551.251.
DEFINITIONS. In this subchapter, "personal
automobile insurance" and "residential property insurance" have
the meanings assigned by Section 38.002.
Sec. 551.252.
APPLICABILITY OF SUBCHAPTER. This subchapter
applies to an authorized insurer writing property and casualty
insurance in this state, including:
(1) a county mutual insurance company;
(2) a Lloyd's plan;
(3) a reciprocal or interinsurance exchange;
(4) a farm mutual insurance company; and
(5) a fire or casualty insurance company.
Sec.
551.253.
EXEMPTIONS. This subchapter does not apply
to:
(1)
an insurance policy delivered, issued for
delivery, or renewed by the Texas Windstorm Insurance Association;
(2)
a flood insurance policy delivered, issued for
delivery, or renewed under the National Flood Insurance Program; or
(3) a personal umbrella insurance policy.
Sec.
551.254.
REQUIRED TYING OF RESIDENTIAL PROPERTY AND
PERSONAL AUTOMOBILE POLICIES.
(a)
It is an unfair method of
competition or an unfair or deceptive act or practice in the
business of insurance under Chapter 541 to:
(1)
make the issuance, delivery, or renewal of a
residential property insurance policy contingent on the purchase of
a personal automobile insurance policy from the same insurer or an
affiliated insurer; or
(2)
make the issuance, delivery, or renewal of a
personal automobile insurance policy contingent on the purchase of
a residential property insurance policy from the same insurer or an
affiliated insurer.
(b)
Notwithstanding Subchapter D, Chapter 541, or any other
law, a person may not bring a private action against an insurer or
an agent or representative of an insurer for a method, act, or
practice described by this section. This subsection does not limit
the authority of the attorney general to bring an action as provided
by Subchapter E or F, Chapter 541.
SECTION 2. This Act takes effect September 1, 2025.
______________________________
______________________________
President of the Senate
Speaker of the House
I hereby certify that S.B. No. 213 passed the Senate on
March 27, 2025, by the following vote: Yeas 30, Nays 0; and that
the Senate concurred in House amendment on May 26, 2025, by the
following vote: Yeas 31, Nays 0.
______________________________
Secretary of the Senate
I hereby certify that S.B. No. 213 passed the House, with
amendment, on May 21, 2025, by the following vote: Yeas 145,
Nays 1, two present not voting.
______________________________
Chief Clerk of the House
Approved:
______________________________
Date
______________________________
Governor