Texas Department of Insurance Enhances Home Insurance Transparency

The Texas Department of Insurance (TDI) has introduced a suite of tools aimed at improving transparency and access to data on home insurance claims, premiums, and rate filings in Texas. "By putting this information online, we're strengthening transparency and giving Texans a clearer picture of the claims being paid and premium amounts where they live," stated Texas Insurance Commissioner Amanda Crawford, underscoring the commitment to fostering regulatory transparency.

The resources include a detailed page that breaks down Texas homeowners' losses by county, categorizing loss types and the corresponding insurer payouts when claims are filed. In 2025 alone, the insurance industry disbursed $8.74 billion to cover losses due to wind and hail, water damage, fire incidents, and various liabilities, including theft and vandalism. Notably, wind and hail have consistently accounted for approximately 62% of these losses since 2019.

Additionally, the TDI provides a comprehensive Texas homeowners insurance market overview, detailing average annual premiums by county from 2019 to 2025. This overview includes insights into average rate changes and outlines the rate filing procedures while identifying companies with significant premium volumes. Insurance companies must submit rate filings to TDI before implementing premium changes, ensuring compliance with state regulations.

An essential aspect of managing insurance costs is comparing policy options to secure the most suitable coverage and pricing. The website HelpInsure.com facilitates this process, enabling consumers to compare sample rates, examine policy details, and review insurers' financial ratings and complaint indexes. All this information has been sourced directly from the Texas Department of Insurance, reinforcing the commitment to providing accurate, accessible data.