Residential Property Insurance
Residential Property News
OPIC’s 2025 Achievements
OPIC has worked hard for consumers throughout the 2025 fiscal year (Sep. 2024 through Aug. 2025). Over this period, we reviewed over 1,200 insurance rate and policy form filings submitted by insurance companies to the Texas Department of Insurance (TDI). We saved...
OPIC’s 2024 Achievements
OPIC has worked hard for consumers throughout the 2024 fiscal year (Sep. 2023 through Aug. 2024). Over the last 12 months, we reviewed almost 1,350 insurance rate and policy forms filed with the Texas Department of Insurance. We saved Texas consumers over $3 million...
Recovering From Flooding
Most homeowners, condominium, and renters insurance policies do not cover flood damage. Flood damage is covered by a flood policy issued by an insurance company or by the National Flood Insurance Program (NFIP). Flood damage to your auto is typically covered by the...
Why Are Texas Insurance Rates Increasing in 2023?
Homeowners and auto insurance policy rates have been increasing in Texas and in other states across the nation. This trend may continue. We hope this FAQ will provide greater context around the forces impacting the Texas insurance market. [dsm_text_divider header="Why...
Recovering From Hurricane Beryl
Most homeowners, condominium, and renters insurance policies do not cover flood damage. Flood damage is covered by a flood policy issued by an insurance company or by the National Flood Insurance Program (NFIP). Flood damage to your auto is typically covered by the...
OPIC’s 2023 Achievements
OPIC has worked hard for consumers throughout the 2023 fiscal year.1 Over the last 12 months, we reviewed almost 1,500 rule, rate, and policy form filings. We saved Texas consumers over $14.7 million by limiting premium increases and obtaining refunds. Indeed, for...
OPIC’s 2022 Achievements
OPIC worked hard for consumers this past year, reviewing over 1,200 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2022. We saved Texas consumers over $15 million this past year alone, so for every $1 OPIC received from the...
Ways to Resolve Your Claim Payment Disputes
If you file an insurance claim, and don’t think your insurance company is paying you enough to cover your damages, you have several different options to resolve the problem. If you and your insurer do not agree on the amount of your claim, first contact your adjuster...
5 Things Your Homeowners Insurance May Not Cover
Your homeowners insurance usually won’t pay for wear and tear to your home. For example, worn roofs, leaky windows, and overgrown or dead trees are not covered by your policy. The best way to avoid costly damage is to prevent it by maintaining your home and fixing any...
Don’t Fall for These Common Insurance Scams
All Texans are impacted by insurance scams. Learn how to protect yourself.[dsm_text_divider header="General Insurance Scams" text_alignment="left" divider_style="dotted" divider_weight="4px" text_gap="0px" _builder_version="4.16" _module_preset="default"...
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Barbara Jordan Building
1601 Congress Ave., Suite 3.500
Austin, Texas 78701
1-(877)-611-6742