The move to a file-and-use regulatory system for homeowners’ insurance, as called for by the Texas Legislature, is incomplete. Completing the move is necessary for consumers to reap the benefits of a competitive marketplace.
Local Government
Come and Build It: Housing Policy Reform in Texas
Texas is short more than 300,000 housing units, while 90% of Texans are worried about affordability. To ease these twin crises, policymakers passed an ambitious set of free-market-minded measures to boost supply and lower costs. Key points: The 89th Texas Legislature passed five key housing market reforms to increase supply, reduce government interference, and improve...
November 3, 2025