The bill, S.B. No. 1082, introduces a new subchapter to the Texas Insurance Code that addresses the declination and nonrenewal of residential property and personal automobile insurance policies based on previous claims. It defines key terms such as "insurer," "personal automobile insurance," and "residential property insurance." The bill stipulates that insurers cannot decline or refuse to renew a policy solely based on the fact that an applicant or policyholder has made a previous claim or the amount of that claim. However, insurers are permitted to consider the circumstances surrounding a previous claim when making their decision.

The provisions of this bill will apply only to insurance policies that are delivered, issued for delivery, or renewed on or after January 1, 2026. The bill is set to take effect on September 1, 2025, ensuring that the new regulations will be in place for future insurance transactions.

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