Relating to prohibiting insurers from requiring the bundling of personal automobile or residential property insurance policies.

HB 2515 prohibits insurance companies from requiring customers to buy both personal automobile and residential property insurance from the same insurer or its affiliate as a condition for coverage. This directly affects Texas consumers purchasing auto or home insurance, preventing insurers from forcing them into bundled policies. The bill amends the Insurance Code to make it an unfair or deceptive practice to mandate such bundling through underwriting guidelines or trade practices. It takes effect on September 1, 2025, and applies specifically to personal auto and residential property insurance policies. The law does not ban optional bundling but stops insurers from making it mandatory.