On this page
Property and casualty rate, rule and form filings in Texas are reviewed by the Texas Department of Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Texas Department of Insurance |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Earthquake, Surety, Fidelity, Burglary and theft |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Texas, each linked to the official text.
- Tex. Ins. Code §1951.001 and Chapter 2251 - Personal automobile rates are file and usePersonal auto · Statute
- Tex. Ins. Code §§1952.051, 1952.052 and Chapter 2301 - Personal automobile forms are prior approval with a 60-day deemerPersonal auto · Statute
- Tex. Ins. Code chapter 2301 - what prior approval reaches on the property lineProperty and dwelling fire · Statute
- Tex. Ins. Code §2251.052 - Rate standardsStatute
- Tex. Ins. Code §2251.101 - Rate filings and supporting informationStatute
- Tex. Ins. Code §2251.005 - Notice of rate increase for residential property insurance policiesHomeowners · Statute
How to search Texas's public rate and form filings
- The Texas Department of Insurance's SERFF search page says company filings received after April 13, 2014 can be viewed and searched on the NAIC's SERFF Filing Access system. Source
- TDI's bulletin on public access to rate and form filings says viewing filings through SERFF Filing Access is free. Source
- Only filing details that the company or TDI marked available for public access can be seen. Source
- For filings not found in SERFF Filing Access, or copies of documents marked confidential, readers can submit an open records request. Source
Start from the department's page: Texas Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Tex. Ins. Code Chapter 551 - Cancellation, nonrenewal and renewalStatute
- Tex. Ins. Code Chapter 559 - Use of credit informationStatute
- Tex. Ins. Code §2251.051 - Excessive, inadequate and unfairly discriminatory ratesStatute
- Tex. Ins. Code §2251.052 - Rate standardsStatute
- Tex. Ins. Code §2251.101 - Rate filings and supporting informationStatute
- Tex. Ins. Code §2251.104 - Commissioner disapproval of a rate in effectStatute
- Tex. Ins. Code §2251.107 - Public informationStatute
- Tex. Ins. Code §38.002 - Underwriting guidelines for personal automobile and residential propertyStatute
Last reviewed
Homeowners
Texas sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- Tex. Ins. Code Chapter 2002 - Residential property insurance policy provisionsStatute
- Tex. Ins. Code §2251.005 - Notice of rate increase for residential property insurance policiesStatute
- Tex. Ins. Code §2301.056 - Residential property declarations page and deductible disclosureStatute
- Tex. Ins. Code §§2210.003, 2210.005 and 2210.202 - Catastrophe area and association eligibilityStatute
- Tex. Ins. Code §§2301.051-2301.053 - Residential property policy formsStatute
- 28 TAC §5.9971 - Homeowners, Dwelling and Renters Insurance Consumer Bill of RightsRegulation
Last reviewed
Personal auto
Texas sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Tex. Ins. Code Chapter 2151 - Texas Automobile Insurance Plan AssociationStatute
- Tex. Ins. Code §1951.001 and Chapter 2251 - Personal automobile rates are file and useStatute
- Tex. Ins. Code §2253.001 and 28 TAC §5.9960 - The 15% county subdivision ruleStatute
- Tex. Ins. Code §§1952.051, 1952.052 and Chapter 2301 - Personal automobile forms are prior approval with a 60-day deemerStatute
- Tex. Ins. Code §§1952.101 to 1952.110 - Uninsured and underinsured motorist coverage and the written rejectionStatute
- Tex. Ins. Code §§1952.151 to 1952.161 - Personal injury protectionStatute
Last reviewed
Property and dwelling fire
Texas sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Tex. Ins. Code 2251.002(6), 2301.002(2), 2301.051(3) and 2254.001(3) - dwelling fire is residential property insuranceStatute
- Tex. Ins. Code 2251.0031, 2251.101(c), 2251.003(c), 2301.0031 and 2301.004 - the four ways a Texas property programme leaves the filing regimeStatute
- Tex. Ins. Code 862.053 and 2002.005 - Texas's two property loss settlement rulesStatute
- Tex. Ins. Code chapter 2002 - Policy provisions and forms for fire insurance and allied lines, including residential property insuranceStatute
- Tex. Ins. Code chapter 2301 - what prior approval reaches on the property lineStatute
- Tex. Ins. Code chapters 2210 and 2211 - TWIA reaches commercial property, the FAIR Plan does notStatute
Last reviewed
Workers' compensation
Texas sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Tex. Ins. Code Chapter 1805, Subchapter B - Advisory organizationsStatute
- Tex. Ins. Code Chapter 2052 - Policy provisions, forms and dividendsStatute
- Tex. Ins. Code Chapter 2053 - Rates for Workers' Compensation InsuranceStatute
- Tex. Ins. Code Chapter 2053, Subchapters E and F - Optional deductible plans; small employer premium incentives and surchargeStatute
- Tex. Ins. Code Chapter 2054 - Texas Mutual Insurance Company and the residual marketStatute
- Tex. Ins. Code §2251.003(b) - Lines to which the general ratemaking chapter appliesStatute
Last reviewed
Commercial multi-peril
Texas sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Tex. Ins. Code 2301.010 - Contractual limitations period and claim filing period in certain property insurance formsStatute
- Texas Department of Insurance, adopted amendments to the Filings Made Easy rules (28 TAC ch. 5, subch. M)Department guidance
- Texas Department of Insurance, Filings Made Easy Guide (May 2025)Department guidance
- Texas Department of Insurance, Filings Made Easy Guide - Other Exemptions and ExceptionsDepartment guidance
- Texas Department of Insurance, Filings Made Easy Guide - Quick Reference, Rate/Rule Filing RequirementsDepartment guidance
- Texas Department of Insurance, Review Requirements Checklist - Property - CommercialDepartment guidance
Last reviewed
Inland marine
Texas sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- 28 TAC 5.5001-5.5008 - Inland marine classesRegulation
- TDI Commercial Inland Marine ChecklistDepartment guidance
- TDI Personal Inland Marine ChecklistDepartment guidance
- TDI Property and Casualty Filings Made Easy GuideDepartment guidance
Last reviewed
Earthquake
Texas sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- Tex. Ins. Code Chapter 2251, RatesDepartment guidance
- Tex. Ins. Code Chapter 559, Use of Credit InformationDepartment guidance
- Texas Department of Insurance, Filings Made Easy Guide (May 2025)Department guidance
- Texas Department of Insurance, SERFF general instructions for property and casualty filingsDepartment guidance
Last reviewed
Surety
Texas sources for surety filings (SERFF type of insurance 24.0 Surety).
- Texas Bulletin B-0022-21Bulletin
- Texas commercial-lines filing checklist pageDepartment guidance
- Texas Filings Made Easy guideDepartment guidance
- Texas SERFF general instructionsDepartment guidance
Last reviewed
Fidelity
Texas sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- Texas Insurance Code Chapter 2251Statute
- Texas Insurance Code Chapter 2301Statute
- TDI SERFF General InstructionsBulletin
- TDI Filings Made Easy GuideDepartment guidance
Last reviewed
Burglary and theft
Texas sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- Texas Insurance Code Chapter 2251Statute
- Texas Insurance Code Chapter 2301Statute
- 28 TAC § 5.5201 - Exempt Commercial LinesRegulation
- TDI SERFF General InstructionsBulletin
- TDI Filings Made Easy GuideDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Texas Department of Insurance before you file. All states