Texas Insurance Information Portal
Insurance in the State of Texas has been regulated since 1874. The task of regulation was originally given to the State Comptroller of Public Accounts, in addition to his existing duties. Two years later, in 1876, the newly adopted Texas Constitution created the office of an Insurance Commissioner and then the Department of Insurance itself. For more than a century, the Texas Department of Insurance has been growing into the authority it is today.
Besides regulating insurance, the Texas Department of Insurance oversees the state’s workers’ compensation system, acts as the State Fire Marshal’s office, and provides support to the Office of Injured Employee Counsel.
TEXAS INSURANCE 101
General information about the insurance industry in Texas
What is the Purpose of Insurance in Texas
The purpose of insurance in Texas is to protect businesses and individuals from personal risks, liability risks, or property risks that may otherwise lead to larger losses. Insurance contracts function to allow you (the insured) to transfer your risks to the insurance provider, by paying a fee (premium) for this protection.
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What Organizations Provide Protection to Insurance Consumers in Texas and What Do They Do?
The state of Texas protects its residents on the insurance market in multiple ways. Besides the overall regulation through the Texas Department of Insurance (TDI), state guaranty associations also play a pivotal role in the stability of the industry as a whole...
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How Insurance Works in Texas
Insurance in Texas is offered by the government, private, and public organizations...
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BUYING INSURANCE IN TEXAS
General Texas insurance buying information and tips
Types of Texas Insurance
Texas insurance market offers hundreds of different types of insurance products, which all mostly fall into two main groups: Life & Health or Property & Casualty...
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The Most Important Insurance
The desire to feel safe and secure is one of the basic human needs. Insurance helps us do just that, by making sure that we ourselves, the people around us, and our stuff are covered, in case of an emergency, loss, or damage.
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How to Get Help Picking The Best Insurance in Texas
You can get help finding the best insurance in Texas by working with state-licensed and knowledgeable insurance professionals who do the research for you. An insurance agent analyzes your needs and suggests the best and most cost-effective options to fulfill them...
Read moreHELPFUL TIPS FOR FREQUENTLY-ASKED TOPICS
Things you should know about Texas insurance
Filing Insurance Claims in Texas
Insurance claim process follows the Texas regulatory guidelines, based on the type of insurance...
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Payment options for insurance depend on the type of insurance, the insurer, and your credit history...
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Canceling Insurance Coverage in Texas
Texas insurance policies run for a set time: day, week, month, usually a year. During this time frame, you get the benefits of coverage, in the event of an insured loss. However, when you choose to change or cancel the coverage, it is important to know the process of how to cancel insurance.
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How To Save Money on Insurance
The best thing one can do to save money on insurance in Texas by type: Health, Auto, Home, Life, and Commercial.
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