The cost of insurance is weighing heavily on Texans, with affordability and claims handling emerging as the top concerns in a statewide effort to hear directly from consumers.
The Texas Department of Insurance released the results Thursday of its “Speak Up, Texas!” campaign, which invited Texans to share ideas for improving homeowners and auto insurance.
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More than 200 people participated online and in person between March and July, according to TDI. The department’s detailed results include 190 responses: 63 focused only on homeowners insurance, 65 on auto insurance and 62 addressing both.
For homeowners insurance, affordability and rate increases were the most common theme, appearing in 43.7% of responses, or 83 mentions.
The next most common concern was claims handling, repairs and service, mentioned in 31.1% of responses.
Other major concerns included coverage limits and replacement value, as well as transparency and oversight.
Texans suggested several changes, including clearer explanations of why rates increase, more standardized ways to compare policies and stronger protections for consumers dealing with claims.
Some respondents also called for discounts for homeowners who remain claim-free or replace their roofs without filing a claim.
Others suggested incentives or discounts for strengthening homes against severe weather, including stronger roofs and wind and hail protections.
For auto insurance, affordability and rate increases were also the leading concern, appearing in 35.8% of responses.
Claims handling, repairs and service followed at 22.6%.
Respondents suggested mileage-based pricing, clearer explanations of how premiums are calculated and changes to how factors such as credit scores and age are used in pricing.
Some Texans also want insurers to reward drivers with good records through discounts rather than increasing premiums.
TDI says it will use the feedback to develop recommendations for lawmakers ahead of the 90th Texas legislative session, which begins in January 2027.
The agency also plans to encourage insurance companies to identify ways they can improve.
Insurance Commissioner Amanda Crawford thanked Texans who participated, saying their feedback will help shape recommendations brought to lawmakers.
In the meantime, TDI is encouraging Texans to review their current policies and shop around for coverage and prices.
The agency’s HelpInsure.com tool allows consumers to compare insurance options in their area.
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