By: Watson, et al. S.B. No. 188
 
  (Muñoz, Jr.)
 
   
 
 
A BILL TO BE ENTITLED
 
AN ACT
  relating to certain insurers' insurance rating and underwriting
  practices based on certain consumer inquiries.
         BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
         SECTION 1.  Section 544.552, Insurance Code, is amended to
  read as follows:
         Sec. 544.552.  APPLICABILITY. This subchapter applies only
  to a standard fire, homeowners, or farm and ranch owners insurance
  policy, including such policies written by:
               (1)  a farm mutual insurance company;
               (2)  a county mutual insurance company;
               (3)  a Lloyd's plan; and
               (4)  a reciprocal or interinsurance exchange.
         SECTION 2.  This Act applies only to an underwriting
  decision made on or after the effective date of this Act or a rate
  for an insurance policy that is delivered, issued for delivery, or
  renewed on or after that date. An underwriting decision made before
  the effective date of this Act or a rate for a policy delivered,
  issued for delivery, or renewed before that date is governed by the
  law as it existed immediately before the effective date of this Act,
  and that law is continued in effect for that purpose.
         SECTION 3.  This Act takes effect September 1, 2015.