Texas Department of Insurance

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.


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Policy Type Descriptions

Eligibility is based on each company's underwriting guidelines, and not all applicants will meet those guidelines. In addition, not all companies sell in every area of the state. Contact the listed companies or the companies' agents directly to discuss your insurance needs. A company may redirect you to one of their agents to discuss coverage. Understand that even though the companies listed may be selling in Texas, they are not required to offer coverage to everyone. Companies may decide they are not writing insurance at this time or in certain areas. However, state law prohibits a company from rejecting coverage for reasons considered discriminatory.

Policy Types

The two types of policies sold in Texas are

Note about replacement cost and actual cash value:

The Office of Public Insurance Counsel (OPIC) has policy comparisons on its website to you shop. Home | Renters | Condo

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