HB 2515
bill bans insurers forcing car and home policy bundles
Died in committee
Verdict: No flags
Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade
Caption
relating to prohibiting insurers from requiring the bundling of personal automobile or residential property insurance policies.
Caption from analyzed text · version I.
Summary
Requiring a bundle becomes an unfair or deceptive practice.
The bill makes it an unfair or deceptive insurance practice for an insurer to force a customer to buy a car or home policy from it, or its affiliate, as a condition of getting another car or home policy. It touches insurers selling personal auto and residential property coverage in Texas and the consumers who buy those policies. Starting September 1, 2025, insurers cannot require bundling through direct demands, underwriting guidelines or trade practices, and violations fall under the existing unfair-practices enforcement chapter of the Insurance Code.
Labels
Labels: NEVER GOT A HEARING. Filed Feb 5, 2025 and referred to the House Insurance committee. No public hearing. The bill died.
Receipt
The receipt
89R-HB2515 · 2025-02-05
SOLD BY
ITEM
relating to prohibiting insurers from requiring the bundling of personal automobile or residential property insurance policies.
WHAT IT DOES
Requiring a bundle becomes an unfair or deceptive practice.
The bill makes it an unfair or deceptive insurance practice for an insurer to force a customer to buy a car or home policy from it, or its affiliate, as a condition of getting another car or home policy. It touches insurers selling personal auto and residential property coverage in Texas and the consumers who buy those policies. Starting September 1, 2025, insurers cannot require bundling through direct demands, underwriting guidelines or trade practices, and violations fall under the existing unfair-practices enforcement chapter of the Insurance Code.
CHARGES
[ ] NONE FOUND
TOTAL
No fiscal note in the loaded record.
HISTORY
- Filed
- Read first time
- Referred to Insurance
FILED UNDER
No verified beat found.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
CAMPAIGN PAID FOR BY
Donors
Not tied to this bill.
Sources
The author's campaign account only. Own money and internal transfers are separate on the member page.
Derived itemized flow · Oct 28, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
One Texas PAC$100,000.00
One Texas PAC
$100,000.00
- Cash
- $100,000.00
- Paid by others
- $0.00
- Total
- $100,000.00
Also funds 0 other sitting lawmakers.
Derived recipient stock · on Nov 19, 2025. State data as of Nov 4, 2026.
TEC account match.
Sources
Derived itemized flow · on Nov 19, 2025. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 101027855.
Texas Trial Lawyers Association PAC$30,000.00
Texas Trial Lawyers Association PAC
$30,000.00
- Cash
- $30,000.00
- Paid by others
- $0.00
- Total
- $30,000.00
Also funds 137 other sitting lawmakers.
Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Nov 19, 2024 to Oct 15, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 101012345, 101027855, 101058317, 101068299, 101071424.
Kickapoo Traditional Tribe of Texas$20,000.00
Kickapoo Traditional Tribe of Texas
$20,000.00
- Cash
- $20,000.00
- Paid by others
- $0.00
- Total
- $20,000.00
Also funds 53 other sitting lawmakers.
Derived recipient stock · Aug 15, 2024 to Sep 21, 2026. State data as of Nov 4, 2026.
Name match, not a verified identity: normalized filed name and state.
TeamSources
Derived itemized flow · on Jun 22, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 101058317.
Missing data does not establish zero giving. Display amounts are rounded.
One Texas PAC
$100,000.00
- Cash
- $100,000.00
- Paid by others
- $0.00
- Total
- $100,000.00
Also funds 0 other sitting lawmakers.
Derived recipient stock · on Nov 19, 2025. State data as of Nov 4, 2026.
TEC account match.
Sources
Derived itemized flow · on Nov 19, 2025. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 101027855.
Texas Trial Lawyers Association PAC
$30,000.00
- Cash
- $30,000.00
- Paid by others
- $0.00
- Total
- $30,000.00
Also funds 137 other sitting lawmakers.
Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.
TEC account match.
TeamSources
Derived itemized flow · Nov 19, 2024 to Oct 15, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 101012345, 101027855, 101058317, 101068299, 101071424.
Kickapoo Traditional Tribe of Texas
$20,000.00
- Cash
- $20,000.00
- Paid by others
- $0.00
- Total
- $20,000.00
Also funds 53 other sitting lawmakers.
Derived recipient stock · Aug 15, 2024 to Sep 21, 2026. State data as of Nov 4, 2026.
Name match, not a verified identity: normalized filed name and state.
TeamSources
Derived itemized flow · on Jun 22, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
Report IDs: 101058317.
Votes
No floor vote loaded for this bill.
Fiscal
No fiscal note in the loaded record.
How this was graded
Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.
Sources
Texas House · Filed Feb 5, 2025
03/17/2025 H Referred to Insurance: Mar 17 2025 2:32PM
Texas Legislature Online · Introduced
Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.
House committee · Insurance · Final status: Died in committee
Subjects
Business & Commerce--Trade Practices
Insurance--Motor Vehicles
Insurance--Property & Casualty
Text
The text as introduced · 165 words
By: Martinez Fischer H.B. No. 2515 A BILL TO BE ENTITLED AN ACT relating to prohibiting insurers from requiring the bundling of personal automobile or residential property insurance policies. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: SECTION 1. Subchapter B, Chapter 541, Insurance Code, is amended by adding Section 541.062 to read as follows: Sec. 541.062. REQUIRED BUNDLING OF PERSONAL AUTOMOBILE OR RESIDENTIAL PROPERTY INSURANCE POLICIES. (a) In this section, "underwriting guideline" has the meaning assigned by Section 38.002. (b) It is an unfair method of competition or an unfair or deceptive act or practice in the business of insurance to require a consumer to purchase, or use an underwriting guideline or trade practice to require a consumer to purchase, a personal automobile or residential property insurance policy from the same insurer or the same insurer's affiliate as a condition for the issuance of another personal automobile or residential property insurance policy. SECTION 2. This Act takes effect September 1, 2025.