Dropped by your home insurer in Texas? Start here.

The reason and the written statement

For policies issued or renewed on or after January 1, 2026, Texas's published rule says the notice must state the reason, and the written explanation must describe the specific incident, circumstance or risk factor and the source of the information the insurer relied on. For older policies, the written statement is available on request.

Tex. Ins. Code ch. 551Acts 2025, 89th Leg., ch. 940 (H.B. 2067)TDI Bulletin B-0012-25

Claims-based non-renewal

Texas's published rule allows non-renewal after three or more claims in a three-year period, but losses from natural causes, claims that were not paid, and certain appliance-related claims do not count. After two claims, the insurer must send a specific warning notice; without it, the insurer may not refuse to renew because of claims.

Tex. Ins. Code ch. 551TDI – Homeowners insurance guideTDI Bulletin B-0006-26

Questions to your insurer

Texas's published rule says an insurer may not use a customer inquiry — a question about coverage that did not lead to a claim or investigation — as a reason for non-renewal or cancellation.

Tex. Ins. Code ch. 551