Relating to declination and nonrenewal of residential and personal automobile insurance policies based on previous claims.

SB 1082 prohibits Texas insurers from denying coverage or refusing to renew residential property or personal automobile insurance policies solely because an applicant or policyholder previously filed an insurance claim or the claim amount was high. The law applies only to these specific insurance types and allows insurers to consider the circumstances surrounding past claims (e.g., accident details), not the claim history itself. It takes effect September 1, 2025, with the new rules applying to policies delivered, issued, or renewed on or after January 1, 2026. This directly affects insurers operating in Texas and policyholders seeking or maintaining residential or auto insurance.