Texas § IN.551.113 - DECLINATION, NONRENEWAL, OR CANCELLATION PROHIBITED
Full text of Texas The Texas Constitution § IN.551.113 — DECLINATION, NONRENEWAL, OR CANCELLATION PROHIBITED, with citation guidance and answers to common questions.
§ IN.551.113. DECLINATION, NONRENEWAL, OR CANCELLATION PROHIBITED
DECLINATION, NONRENEWAL, OR CANCELLATION PROHIBITED; CONSIDERATION OF CONSUMER INQUIRY. (a) This section applies only to: (1) a standard fire, homeowners, or farm and ranch owners insurance policy; or (2) a personal automobile insurance policy. (b) When deciding to issue or to decline to issue an insurance policy to an applicant for insurance, an insurer may not consider a customer inquiry as a basis for declination. (b-1) An insurer may not consider a customer inquiry as a basis for nonrenewal or cancellation of an insurance policy. (c) For purposes of this section, "customer inquiry" means a telephone call or other communication made to an insurer that does not result in an investigation or claim and that is in regard to the general terms or conditions of or coverage offered under an insurance policy. The term includes a question concerning the process for filing a claim, and whether a policy will cover a loss, unless the question concerns specific damage that has occurred and that results in an investigation or claim. Added by Acts 2005, 79th Leg., Ch. 922 (H.B. 363 ), Sec. 2, eff. September 1, 2005. Amended by: Acts 2013, 83rd Leg., R.S., Ch. 570 (S.B. 736 ), Sec. 2, eff. September 1, 2013. Acts 2013, 83rd Leg., R.S., Ch. 570 (S.B. 736 ), Sec. 3, eff. September 1, 2013. Acts 2015, 84th Leg., R.S., Ch. 1137 (S.B. 189 ), Sec. 2, eff. September 1, 2015. SUBCHAPTER D. CANCELLATION OR NONRENEWAL OF CERTAIN POLICIES ISSUED TO ELECTED OFFICIALS
Source: official Texas text · Last verified 2026-08-27
Frequently Asked Questions About Texas § IN.551.113
What does The Texas Constitution § IN.551.113 cover?
Section IN.551.113 ("DECLINATION, NONRENEWAL, OR CANCELLATION PROHIBITED") is part of the The Texas Constitution, the codified statutory law of Texas. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Texas § IN.551.113?
A common citation format is "The Texas Constitution § IN.551.113" (Texas). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Texas law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Texas official source linked on this page or consult a licensed Texas attorney.
How does Texas § IN.551.113 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Texas can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Texas.