Non-renewed in Texas? Here is your playbook.
A non-renewal in Texas means your insurer is ending your policy at its normal end date, not canceling it early. You have notice time to work with, a regulator whose consumer team handles this every day, and a path back to coverage. The general playbook is in the main guide; below is what is specific to Texas.
Your regulator: Texas Department of Insurance
Minimum notice periods and non-renewal rules are set by state law and change; get the current numbers from the source rather than a blog. The Texas Department of Insurance publishes consumer guidance and runs a complaint line. If your notice period looks short or the reason contradicts your policy history, file a complaint; it is free and creates the record regulators act on.
The insurer of last resort in Texas
If the private market declines you, Texas has a last-resort program that cannot turn you away for market conditions. It currently holds 288,676 policies (as of 2026-06-30, source). These policies usually cover fewer perils than a standard homeowners policy, so ask an independent agent about a companion (DIC or wrap) policy for the gaps. Full enrollment trends are on the FAIR Plan tracker.
What we are tracking in Texas right now
Texas Department of Insurance reports most homeowners rate filings since July 1 proposed decreases, averaging -4.3% over 90 days
The Texas Department of Insurance stated on October 8, 2026 that most homeowners insurance companies that filed rate changes with TDI since July 1 proposed decreases, affecting about 700,000 Texas policyholders, and that filed homeowners rate changes over the past 90 days averaged a 4.3% decrease. Among the decreases TDI named ASI Lloyds (a Progressive company), which filed a 6% decrease affecting 71,000 policyholders, and Texas Farm Bureau Mutual Insurance Company, which filed a 5.2% decrease affecting 133,000 policyholders; TDI states both are among the top 10 insurance groups in Texas by premium volume. These are filed rates, which TDI reviews against state law; the same release reports auto rate decreases, which are outside this tracker. Rate filings attach as history and set no carrier writing status.
Source: Texas Department of Insurance · verified 2026-10-12
TDI proposes amendments to its rule barring home insurance declinations based on the age of a home or its components
The Texas Department of Insurance filed a proposal on September 29, 2026 to amend 28 TAC section 21.1006, its rule prohibiting insurers from declining to write residential property insurance based on the age or value of the property. As proposed, subsection (b) states that an insurer may not decline to write residential property insurance based on the age of the property or of any of its individual components or materials, including wiring, heating, air conditioning, plumbing, siding and roofing; siding is newly added to the list. New subsection (d) states that the section does not prohibit declining coverage based on the physical condition of the property or its components, or TWIA from requiring building code standards tied to construction date. TDI states in the proposal that the amendments clarify the existing prohibition and "do not change the rule’s meaning or application", and that insurers already in compliance will not need to make filings. TDI’s news release of the same date describes the rule as covering decisions to decline or not renew, and says it was developed in response to the Governor’s August 24, 2026 directive. Per TDI’s 2026 rules index the proposal publishes in the Texas Register on October 9, 2026; written comments are due by 5 p.m. central on November 9, 2026, and a public hearing is set for 2 p.m. on November 3, 2026 under Docket No. 2874. This is a proposal, not an adopted rule. It names no carrier and sets no carrier status.
Source: Texas Department of Insurance · verified 2026-10-05
TDI publishes insurer-reported reasons for home policy declinations, cancellations and non-renewals by ZIP code
The Texas Department of Insurance launched a webpage on September 23, 2026 that shows, by ZIP code, the reasons insurance companies reported for declining, canceling or not renewing home insurance policies, along with the number of active policies and the counts of non-renewals, cancellations and declinations reported by companies. TDI states it will update the page at least quarterly and plans to add auto insurance data later in 2026. The data reporting stems from House Bill 2067 of 2025, which requires insurers to report this information to TDI and to give written explanations when they decline, cancel or do not renew a home policy. The tool publishes aggregate reported data; it names no carrier action and sets no carrier status.
Source: Texas Department of Insurance · verified 2026-09-28
Before calling agents, check the Texas carrier tracker so you know who has verified recent activity.
This guide explains options in general terms and links primary sources for specifics. It is not insurance, legal, or financial advice; confirm details with a licensed Texas agent or Texas Department of Insurance.