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Bill

Bill

HB 2515

Relating to prohibiting insurers from requiring the bundling of personal automobile or residential property insurance policies.

89th Legislature (2025) Introduced by Trey Martinez Fischer

Texas bill prohibits insurers from requiring bundled auto and home insurance, allowing consumers to purchase policies separately without penalty.

Referred to Insurance
#business&commerce--tradepractices(i0006) #insurance--motorvehicles(i0435) #insurance--property&casualty(i0442)
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WeVote Research Nonpartisan
Bill Summary · HB 2515

Legislative bill overview

HB 2515 would prohibit insurance companies from requiring customers to bundle personal auto and residential property insurance policies together as a condition of coverage. Currently, many insurers offer discounts for bundling but some effectively require it by making unbundled policies unavailable or prohibitively expensive. This bill would ensure consumers can purchase these policies separately if they choose.

Why is this important

Insurance bundling affects millions of Texans' household budgets, as bundled policies often represent significant savings. However, mandatory bundling can trap consumers in relationships with insurers even when better rates are available elsewhere, reducing market competition and consumer choice. For customers with unique circumstances—such as those using specialty insurers or having complex coverage needs—forced bundling can be particularly costly.

Potential points of contention

  • Insurance industry costs: Insurers argue bundling reduces administrative overhead and risk; unbundling requirements could increase operational expenses and potentially raise premiums for all customers
  • Defining "requirement": The bill's language around what constitutes prohibited "bundling requirements" may be ambiguous—does offering significant bundling discounts qualify as a hidden requirement?
  • Consumer protection vs. market efficiency: While protecting choice, the bill could inadvertently reduce the discount incentives that currently benefit bundled customers, potentially raising costs for those who prefer bundled policies

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

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