Helping Texans with their auto, commercial and residential property insurance needs.

A free service of the Texas Department of Insurance and Office of Public Insurance Counsel.

Regulating the Texas Homeowners Insurance Market

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Our home is usually the biggest investment that most of us have; having insurance is essential to the financial well-being of every homeowner.

Variable Texas weather, and the size and geographic diversity of the state, present many challenges for insurers and policyholders alike. 1 The availability and affordability of homeowners insurance can vary dramatically from the panhandle to the Gulf coast to the piney woods of the east. 2

The Texas Department of Insurance (TDI) is the state agency that regulates the business of insurance in Texas. Homeowners insurance is chiefly regulated through:

  • Licensing of companies and agents
  • Financial oversight/solvency of companies
  • Consumer assistance & complaint resolution
  • Claims handling oversight & enforcement of the law
  • Fraud investigation
  • Form/policy review & approval
  • Rate review

TDI's goal is to regulate the industry fairly and diligently, promoting a stable and competitive marketplace and ensuring that consumers have a wide range of choices at fair prices. Information about shopping for homeowners insurance can be found on the TDI website at http://www.tdi.texas.gov/pubs/consumer/cb025.html. TDI also maintains HelpInsure.com to help with your home and auto research.

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1 For more information about weather risks in Texas compared to other states, see National Climatic Data Center (U.S. Department of Commerce) "Billion Dollar U.S. Weather Disasters".

2 For a comparison of average homeowners premiums for different regions of Texas, see Exhibit 7.

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