The Texas Coalition for Affordable Insurance Solutions (TCAIS) believes that a stable, competitive auto and homeowners insurance marketplace will best serve both buyers and sellers of insurance. Learn more.

ABOUT TCAIS

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The Texas Coalition for Affordable Insurance Solutions (TCAIS) believes all Texans should have access to affordable home and auto insurance.

We are committed to working with state legislators, regulators, consumers, and others to find public-policy solutions that will improve insurance affordability and accessibility in Texas.


TCAIS Policy Principles

TCAIS advocates legislative, regulatory, and individual action aimed at:

* Increasing consumer choices of insurance companies, products and services;
* Spurring price competition among insurers
* Providing appropriate regulatory oversight;
* Minimizing costs in the system
* Fighting insurance fraud and abuse and
* Providing an environment to attract new businesses and jobs to Texas.

Learn more.


Transition to a Competitive Marketplace

The Texas homeowners and auto insurance marketplace is showing signs of real competition and now offers more choices than ever for consumers.

Expanding choices, growing  competition and healthy insurance companies are all indicators that the insurance marketplace in Texas is on the mend.  As recently as 2002, Texas faced an insurance crisis due in part to a regulatory structure that drove insurers from the state and left some consumers with nowhere to go for coverage.

Read more about Texas' Transition to Competition.

LATEST NEWS SUNSET REVIEW

 

Massachusetts Miracle

Wall Street Journal, May 6, 2008

TCAIS Insider: Industry News Update

May 1, 2008

9 Catastrophes to Cost P/C Insurers $3 Billion in 1st Quarter (Texas in top 5)

Insurance Journal, Apr. 28, 2008

Florida gets an F for too much regulation (Texas gets a D)

Palm Beach Post, Apr. 22, 2008

Insurance commissioner talks rates, risk

The Daily News, Apr. 20, 2008

Texas Windstorm Pool Seeks to Increase Reinsurance Level for 2008

Insurance Journal, Apr. 17, 2008

Grant to go toward teaching safe driving

Corpus Christi Caller-Times, Apr. 14, 2008

Insurance adjusters, homeowners survey storm damage

Dallas Morning News, Apr. 12, 2008

More news...

The Texas Department of Insurance is currently undergoing Sunset review. This review is timely, in that the development of the Texas personal lines insurance marketplace is in a critical phase. Legislative policy direction is crucial to ensure continued market development for the benefit of insurance consumers, insurance companies, and the broader Texas economy. Learn more about TCAIS' sunset policy principles.

What people are saying about Texas insurance regulation:

Texas insurance faces the perfect storm

Lone Star Report, April 11, 2008

SPOTLIGHT

TCAIS in the News

Beaman Floyd, director of the Austin-based industry trade group Texas Coalition for Affordable Insurance Solutions, noted that aside from hurricane risk and the threat of unlimited assessments, regulation has kept the marketplace from working as it should. Houston Chronicle, April 17, 2008

CONSUMER FAST FACTS

Texas Insurers Want You to Prepared

The Texas Coalition for Affordable Insurance Solutions (TCAIS) wants you to be prepared for the Texas Hurricane Season. Click here for a list of tips that will help you prepare for the next several months.

TWIA: Homeowners Need Stability In the Texas' Insurance Market

The Texas Windstorm Insurance Association provides Texas' coastal residents and businesses with wind and hail coverage when it is not available in the private marketplace. Its funding is critical to the statewide homeowners’ insurance marketplace. Learn more.

When Insurers Compete, Consumers Win

Texans have many options than ever when it comes to buying homeowners insurance. It pays to shop around to find the best policy to meet your insurance needs. This "Smart Shoppers Save" brochure provides tips for shopping, reducing the cost of your premium.

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