Auto, Flood, Health, Homepage, News, Residential Property
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...
Auto, Flood, Health, Homepage, News, Residential Property
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...
Auto, Homepage, News, Residential Property
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. Why are insurance premiums...
Auto, Flood, Health, Homepage, News, Residential Property
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...
Flood, Homepage, News, Residential Property
1. Wear and Tear 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...
