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.
What we are tracking in Texas right now
TDI publishes county-level home insurance loss and premium data
The Texas Department of Insurance launched public pages showing homeowners losses by county (insurers paid $8.74 billion in 2025 losses, with wind and hail averaging 62% of losses since 2019), county-level average premiums for 2019-2025, and a searchable rate-filing database.
Source: Texas Department of Insurance news release · verified 2026-07-02
TWIA reports record policy count and exposure
TWIA’s Q1 2025 Fact Book reported more than 276,000 policies in force and over $117 billion in exposure, the highest levels in the association’s history, with exposure up roughly 27% in 2023 and 19% in 2024.
Source: Texas Windstorm Insurance Association Q1 2025 Fact Book · verified 2026-07-02
TWIA sets 2025 probable maximum loss at $6.227 billion
The Texas Windstorm Insurance Association board set its 2025 probable maximum loss at $6.227 billion after Hurricane Beryl losses of roughly $455 million nearly exhausted the Catastrophe Reserve Trust Fund, requiring $4.227 billion in reinsurance and catastrophe bonds.
Source: Insurance Journal · verified 2026-07-02
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.