S.B. No. 213 is a legislative bill that aims to prohibit insurers from requiring the purchase of residential property insurance and personal automobile insurance policies as a condition for one another. The bill introduces a new subchapter, Subchapter F, to Chapter 551 of the Insurance Code, which defines "personal automobile insurance" and "residential property insurance" and outlines the applicability of the new regulations to various types of authorized insurers in Texas. It also specifies exemptions for certain types of insurance policies, including those from the Texas Windstorm Insurance Association, flood insurance policies under the National Flood Insurance Program, and personal umbrella insurance policies.

The bill explicitly states that making the issuance, delivery, or renewal of a residential property insurance policy contingent on the purchase of a personal automobile insurance policy, or vice versa, constitutes an unfair method of competition or deceptive practice in the insurance business. Additionally, it clarifies that individuals cannot bring private actions against insurers for such practices, although the attorney general retains the authority to take action as permitted by existing laws. The provisions of this act are set to take effect on September 1, 2025.

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