Texas Insurance Code, Title 10 Subtitle D (Fire Insurance and Allied Lines, including Residential Property Insurance): chs. 2001-2008, each complete

What this document is

Texas Insurance Code, Title 10 Subtitle D (Fire Insurance and Allied Lines, including Residential Property Insurance): chs. 2001-2008, each complete (Secs. 2001.001-2001.010, 2002.001-2002.103, 2003.001-2003.107, 2004.001-2004.008, 2005.001-2005.004, 2006.001-2006.055, 2007.001-2007.008, 2008.001-2008.002) is a state statute published by Texas Legislative Council (statutes.capitol.texas.gov; document host tcss.legis.texas.gov). It is one of the Texas documents that insurance license exam questions are written from, including texas property & casualty, texas personal lines, texas claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Tex. Ins. Code § 2002.003 (Coverages for Spouses and Former Spouses)

  “Sec. 2002.003. COVERAGES FOR SPOUSES AND FORMER SPOUSES. A homeowners insurance policy or fire insurance policy promulgated under Article 5.35 or filed and in effect as provided by Subchapter B, Chapter 2301, may not be delivered, issued for delivery, or renewed in this state unless the policy...”

• Tex. Ins. Code § 2002.052 (Applicability of Other Law to Residential Property Insurance)

  “An insurer may continue to use a policy form or endorsement promulgated, approved, or adopted by the commissioner under Article 5.35 before June 11, 2003, on notification in writing to the commissioner that the insurer will continue to use the policy form or endorsement.”

• Tex. Ins. Code § 2002.005(c) (Coinsurance Clauses)

  “A coinsurance clause may be included in an insurance policy written on cotton, grain, or other products in the process of marketing, shipping, storing, or manufacturing.”

• Tex. Ins. Code § 2002.005(a), (b) (Coinsurance Clauses)

  “(a) Except as otherwise provided by this section, an insurer subject to this subtitle or Subchapter C, Chapter 5, may not issue an insurance policy or contract covering property in this state that contains a clause that: (1) requires the insured to obtain or maintain a larger amount of insurance...”

• Tex. Ins. Code § 2002.004(c) (Jewelry Coverage)

  “(c) An insurer that provides personal property insurance coverage in this state for jewelry may elect to pay either: (1) the stated value of the jewelry item; or (2) the actual cost of replacing the jewelry item with one of like kind and quality.”

• Tex. Ins. Code § 2008.002 (Coverage; Limits and Deductibles)

  “Sec. 2008.002. COVERAGE; LIMITS AND DEDUCTIBLES. (a) An insurance policy written by an insurer against loss or damage by windstorm, hurricane, or hail may include coverage for: (1) a building or other structure that is built wholly or partially over water; and (2) the corporeal movable property...”

• Tex. Ins. Code § 2002.103(e) (Disclosure Regarding Flood Coverage Required)

  “(e) An insurer's failure to comply with this section does not invalidate any exclusion, including a flood exclusion, in an insurance policy subject to this section.”

• Tex. Ins. Code § 2002.002 (Lien on Insured Property)

  “Sec. 2002.002. LIEN ON INSURED PROPERTY. A provision in an insurance policy issued by an insurer subject to this subtitle or Subchapter C, Chapter 5, is void if the provision states that the encumbrance of the insured property by a lien of any character at the time of or after the policy's issuance...”

• Tex. Ins. Code § 2003.105(a), (b) (Presumption of Insurability)

  “Sec. 2003.105. PRESUMPTION OF INSURABILITY. (a) The existence of an inspection certificate issued under this subchapter creates a presumption that the condition of the property inspected is adequate for the issuance of residential property insurance. (b) If an inspection certificate is used in...”

• Tex. Ins. Code § 2002.001(d) (Policy Form or Endorsement Making Material Change to Policy)

  “(d) In addition to the notice to the policyholder provided under Subsection (b), if an insurer elects to make a material change to a policy form or use an endorsement to make a material change to a policy form, not later than the 30th day before the earliest date on which the new policy form or...”

• Tex. Ins. Code § 2002.005(a), (b), (d) (Coinsurance Clauses)

  “(a) Except as otherwise provided by this section, an insurer subject to this subtitle or Subchapter C, Chapter 5, may not issue an insurance policy or contract covering property in this state that contains a clause that: (1) requires the insured to obtain or maintain a larger amount of insurance...”

• Tex. Ins. Code § 2002.004 (Jewelry Coverage)

  “Sec. 2002.004. JEWELRY COVERAGE. (a) In this section, "personal property insurance" means insurance against damage to or loss of tangible personal property, including coverage provided in a homeowners insurance policy, residential fire and allied lines insurance policy, or farm and ranch owners...”

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