Texas has the most heavily regulated title insurance market in the country. The Texas Department of Insurance (TDI) sets the price and coverage of residential and commercial title insurance. The TDI also promulgates the division of premiums between title companies and agents. As a result, competition is eliminated from the title insurance market, and costs increase for both consumers and businesses.
Taxes & Spending
Just the Facts: Local Government Spending
Despite billions in property tax relief provided by recent state legislatures, Texans’ property tax bills continue to increase due to unrestricted spending at the local level. Key points: City and county government spending continues to outstrip increases in both population and inflation. While the state government has constitutional and statutory spending limits, local governments do...
August 10, 2026