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Bill

Bill

SB 1006

Relating to declination, cancellation, or nonrenewal of insurance policies.

89th Legislature (2025) Introduced by César Blanco and 8 co-sponsors

Texas bill adjusts insurer requirements for declining, canceling, or refusing to renew insurance policies, affecting consumer protections and insurer operations in Texas insurance markets.

Referred to Insurance
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Bill Summary · SB 1006

Legislative bill overview

SB 1006 modifies Texas insurance law regarding when and how insurers can decline, cancel, or refuse to renew insurance policies. The bill establishes or adjusts the procedural requirements, notice periods, and circumstances under which insurance companies must handle policy terminations. These changes apply to the state's regulatory framework governing insurer-consumer relationships in the Texas insurance market.

Why is this important

Insurance policy cancellations and non-renewals directly affect consumers' ability to maintain coverage for homes, vehicles, and other essential protections. Clear rules about when insurers can exit relationships with customers protect people from sudden loss of coverage while balancing insurers' need to manage risk. Texas's ongoing homeowners insurance crisis makes these procedural protections especially relevant to residents seeking stable coverage.

Potential points of contention

  • Consumer protections vs. insurer flexibility: Stronger declination/non-renewal restrictions could increase costs for insurers, potentially raising premiums, or limit their ability to manage unfavorable risk pools
  • Notice requirements and timing: Disputes may arise over whether proposed notice periods give consumers adequate time to find alternative coverage without being unreasonably burdensome to insurers
  • Scope of applicability: Unclear whether changes apply uniformly to homeowners, auto, and other insurance lines, or if certain products receive different treatment

Compiled from official sources — confirm details with the bill’s official record.

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