Relating to personal automobile or residential property insurance premium increases for claims subject to sovereign, governmental, or official immunity.

SB 593 prohibits insurers from raising personal auto or home insurance premiums solely because a claim involves damage or injury caused by a government entity (like a city, state agency, or official) that has legal immunity from being sued. This directly affects policyholders who file claims against such government entities, preventing insurers from using those claims as a basis for rate increases. The law applies to all insurers writing these policies in Texas and takes effect September 1, 2025, with the new rule applying to policies delivered, issued, or renewed on or after January 1, 2026. It does not change how claims are processed but blocks a specific practice insurers used to increase rates for certain cases.