Texas insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person

$30,000

Bodily injury liability, per accident

$60,000

Property damage liability

$25,000

Personal injury protection (PIP)

PIP is included in every policy unless you reject it in writing.

Uninsured motorist coverage

Insurers must offer it; you can reject it in writing

Source: Auto insurance guide - Texas Department of Insurance · Tex. Transp. Code § 601.072; Tex. Ins. Code §§ 1952.101, 1952.152 · Reviewed Sep 13, 2026

These state-established programs cover homes that private insurers won’t. They’re meant as a last resort: coverage is often more limited and can cost more, so shop the private market and ask an agent first. Eligibility rules vary.

• Texas FAIR Plan Association FAIR Plan

  Limited homeowners, dwelling, condo and renters policies. Homes eligible for the Texas Windstorm Insurance Association get wind and hail coverage there instead.

  Where: Statewide

  Claims: 800-979-6440

• Texas Windstorm Insurance Association Wind and beach pool

  Wind and hail coverage only, for homes, belongings and manufactured homes. It doesn’t cover flood or storm surge.

  Where: 14 coastal counties and parts of Harris County

  Claims: 800-788-8247

Checked against each program’s website on Sep 13, 2026. Reviewed Sep 13, 2026.

NFIP claims, 2016–2025

137,995

$11.2 billion paid

NFIP claims in 2025

2,425

$158.6 million paid

Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this

Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.