Texas home insurance cancellation and non-renewal laws

Notice of non-renewal

Texas's published rule requires the insurer to mail a notice of non-renewal at least 60 days before the policy expires, for policies issued or renewed on or after January 1, 2024 (30 days for older policies).

• Applies to policies delivered, issued for delivery, or renewed on or after January 1, 2024 (H.B. 1900).
• Policies issued or renewed before January 1, 2024: 30 days.

Notice of cancellation

Texas's published rule says a cancellation for the listed reasons does not take effect until the 10th day after the insurer mails the notice. Policies in force less than 60 days follow a separate rule.

• Homeowners policies in force less than 60 days may be canceled for an undisclosed increased-hazard condition or a rejected inspection report (§ 551.104(g)).

Notice of cancellation for nonpayment

Texas's published rule says a cancellation for nonpayment does not take effect until the 10th day after the insurer mails the notice.

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.

• Policies delivered, issued or renewed on or after January 1, 2026: the notice must state the reason, and the statement must meet § 551.002(b)–(c).
• Earlier policies: the written statement is provided on request.

Permitted grounds for cancellation

Texas's published rule lists the reasons an insurer may cancel: nonpayment, a fraudulent claim, a Department of Insurance determination, or an increase in hazard within the insured's control that would raise the premium. Different rules apply during the first 60 days.

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.

• Standard fire, homeowners, or farm and ranch owners policies.

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.

What the rule says about late non-renewal notices

Texas's published rule describes what happens when a non-renewal notice is not mailed on time: the insurer must renew the policy if the insured asks. Your Department of Insurance can answer questions about how this applies.