Texas · Rights are a notice, not a cheaper policy
When a company issues a Texas homeowners or personal auto policy, it has to give you a Consumer Bill of Rights. That is a summary of rights under Texas law. It is not a promise of the cheapest price, and this page will not paste the bill’s deadlines without opening the current PDF.
The Texas Department of Insurance publishes separate bills for homeowners, dwelling, and renters insurance, and for personal auto. The rules that require those summaries are in the Texas Administrative Code: personal auto at 28 TAC section 5.9970, and homeowners, dwelling, and renters at 28 TAC section 5.9971. TDI’s page on this was last marked updated May 1, 2025, and it lists a consumer line at 800-252-3439. Read the copy the company sent with your policy. If it disagrees with the current bill on TDI’s site, the current bill is the one to ask about. Your duties are still in the contract: report a loss, protect the property from further damage, and cooperate. This page will not invent how many days “prompt” means.
How to escalate: filing a complaint and TDI’s complaint form. The score that changes price, not coverage: insurance scores and TDI on credit. When a company wants off the risk: cancellations and nonrenewals and can they drop you. What TDI is: the department. The contracts: Texas auto.
