SB 593

relating to personal automobile or residential property insurance
premium increases for claims subject to sovereign, governmental, or
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
SECTION 1.  Subtitle A, Title 10, Insurance Code, is amended
by adding Chapter 1808 to read as follows:
CHAPTER 1808. PROHIBITED PRACTICES RELATED TO PERSONAL LINES
Sec. 1808.001.  PERSONAL AUTOMOBILE OR RESIDENTIAL PROPERTY
PREMIUM INCREASE PROHIBITED FOR CLAIM SUBJECT TO IMMUNITY.  (a)
This section applies to an insurer writing personal automobile or
residential property insurance in this state, including an
insurance company, reciprocal or interinsurance exchange, mutual
insurance company, capital stock company, county mutual insurance
company, farm mutual insurance company, Lloyd's plan, or other
(b)  An insurer may not increase the premium on a personal
automobile or residential property insurance policy solely as a
result of a claim made under the policy for damage or injury
sustained as a result of an action by a governmental body, officer,
or employee who has sovereign, governmental, or official immunity
from suit or liability for the claim.
SECTION 2.  Section 1808.001, Insurance Code, as added by
this Act, applies only to an insurance policy delivered, issued for
delivery, or renewed on or after January 1, 2026.
SECTION 3.  This Act takes effect September 1, 2025.