Forced home and auto bundling becomes an unfair practice.
The bill makes it an unfair or deceptive insurance practice for an insurer to force a customer to buy several personal property or casualty policies from the same company, or to buy one such policy as a condition of getting another. It touches insurers selling personal lines like home and auto coverage, and the Texans who buy those policies. Starting September 1, 2025, an insurer cannot tie issuing one personal policy to the customer buying another, and the practice falls under the existing unfair-practices chapter of the Insurance Code.
Labels
Labels: CROSS-PARTY HANDOFF. Lead author Royce West (D) in the Senate. Lead sponsor Jay Dean (R) in the House. Party as the Legislative Reference Library lists it for the 89th Legislature.QUICK READ: 143 WORDS. The bill as filed runs 143 words, counting the existing law it amends and the text it strikes. The median 89R bill as filed runs 441 words (derived, 8,702 graded bills, snapshot Oct 19, 2026).
relating to prohibiting insurers from requiring the bundling of
personal lines property or casualty insurance policies.
WHAT IT DOES
Forced home and auto bundling becomes an unfair practice.
The bill makes it an unfair or deceptive insurance practice for an insurer to force a customer to buy several personal property or casualty policies from the same company, or to buy one such policy as a condition of getting another. It touches insurers selling personal lines like home and auto coverage, and the Texans who buy those policies. Starting September 1, 2025, an insurer cannot tie issuing one personal policy to the customer buying another, and the practice falls under the existing unfair-practices chapter of the Insurance Code.
CHARGES
[ ] NONE FOUND
TOTAL
No significant fiscal implication to the State is anticipated.
Names were not printed for yea. Only the named positions are included in member records.
Sources
Senator West moved that Senate Rule 7.18 and the Constitutional Rule requiring bills to be read on three several days be suspended and that CSSB 213 be placed on its third reading and final passage. The motion prevailed by the following vote: Yeas 30, Nays 0, Present-not voting 1.
Published stock of positions for this vote, except where marked derived.
Yea: 30 (published)
Nay: 0 (published)
Present, not voting: 1 (published)
Absent: Not printed
Excused: Not printed
Senate journal. Source snapshot 2026-10-19, Central time.
Names were not printed for yea. Only the named positions are included in member records.
Voice vote. No numeric tally or individual yeas are inferred.
Sources
Senator West moved to suspend the regular order of business to take up for consideration CSSB 213 at this time on its second reading: CSSB 213, Relating to prohibiting insurers from requiring the tying of residential property and personal automobile insurance policies. The motion prevailed. Senator Miles asked to be recorded as "Present-not voting" on suspension of the regular order of business. The bill was read second time and was passed to engrossment by a viva voce vote.
Published stock of positions for this vote, except where marked derived.
Yea: Not printed
Nay: Not printed
Present, not voting: Not printed
Absent: Not printed
Excused: Not printed
Senate journal. Source snapshot 2026-10-19, Central time.
Witnesses13
For
7
Against
0
On
6
Names
For
AARP Texas1 registration
Self; American Adjuster Association1 registration
TASB1 registration
Texas Appleseed2 registrations
Texas Watch2 registrations
On
American Property Casualty Insurance Association (APCIA)2 registrations
Insurance Council of Texas2 registrations
TDI1 registration
Texas Department of Insurance1 registration
Sources
13 parsed registrations across the loaded witness lists.
Derived stock of witness registrations. Repeated appearances count separately. Organizations and self-representation appear as printed.
89R1713 CJD-D
By: West
S.B. No. 213
A BILL TO BE ENTITLED
AN ACT
relating to prohibiting insurers from requiring the bundling of
personal lines property or casualty 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 LINES PROPERTY
OR CASUALTY POLICIES. 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:
(1) multiple personal lines property or casualty
insurance policies from the same insurer; or
(2) a personal line property or casualty insurance
policy as a condition for the issuance of another personal line
property or casualty insurance policy.
SECTION 2. This Act takes effect September 1, 2025.
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