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Texas home insurance problem worsens as insurer halts new policies

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Texas home insurance problem worsens as insurer halts new policies


Another company offering homeowner insurance in Texas will stop offering new policies in the state, per reports, in a move that’s likely to exacerbate the sector’s unfolding crisis.

Progressive Insurance confirmed to WFAA-TV earlier this week that it was “temporarily restricting new homeowners (HO3) business for certain agents in several states,” including Texas. Last month, home insurance comparison website Insurify reported that Progressive would stop offering new home insurance policies in Texas and some Midwestern states, including Illinois, Minnesota, Missouri, Nebraska, and Wisconsin.

No other state besides Texas has been confirmed as being included in the “temporary” restrictions by Progressive. Newsweek contacted Progressive Insurance for comment by email on Friday morning, outside of standard working hours.

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According to Insurify, which quoted a report from P&C Specialist, Progressive stopped offering new home insurance policies in Texas as of August 13. While Progressive didn’t cite concerns over more frequent natural disasters as the reason for cutting coverage in the state, the issue is mentioned in a letter to shareholders in the company’s quarterly 10-Q filing obtained by Insurify.

An uprooted tree rests against a house on July 12, 2024, in Houston, Texas. A homeowner insurance firm in Texas will stop offering new policies in the state, per reports, in a move that’s likely…


Brandon Bell/Getty Images

“Reducing the impact from weather-related volatility is strategically important and shifting our geographic mix continues to be a top priority,” Progressive’s CEO Tricia Griffith said in the letter. “We continue to focus on growing in states where weather risk is relatively lower, while maintaining or reducing our market share in higher volatile states that are more susceptible to catastrophic weather events and have higher exposure to hail.”

At the end of 2023, Progressive dropped 115,000 policyholders in Florida, a state prone to hurricanes and disastrous tropical storms, sending them non-renewal notices. Several private insurers have cut coverage or withdrawn entirely from the Sunshine State in the past few years as Florida faces a homeowner insurance crisis exacerbated by widespread fraud and excessive litigation.

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According to the Texas Department of Insurance, the Progressive Group is among the ten largest home insurance companies in the state. In 2023, the agency reported that Progressive wrote $390,170,992 in premiums for homeowners’ multiple-peril insurance that year.

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The reported pullback from the company is likely to exacerbate the situation in Texas, where another insurer—Foremost Insurance, a subsidiary of Farmers Insurance—stopped renewing some policies earlier this year. The company cited “our exposure and risks relating to natural and catastrophic losses” as the reason it was not renewing a Houston homeowner’s policy, as reported by the Houston Chronicle.

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Like other states vulnerable to extreme weather events, Texas has seen home insurance premiums climb across the state in the past year. According to Bankrate, Texas homeowners pay an average of $3,898 for $300,000 in dwelling coverage—72 percent more than the national annual average cost of home insurance, $2,270 for $300,000 in dwelling coverage.

In July, NBC 5 reported that some homeowners in the state were hit with double-digit insurance rate hikes, with one resident’s premiums rising from $2,600 last year to $8,800 this year.

Are you a Texas homeowner whose home insurance policy isn’t going to be renewed by Progressive? Have you faced significant rate hikes? Contact g.carbonaro@newsweek.com.

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U.S. and Israel carry out joint military strikes against Iran

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U.S. and Israel carry out joint military strikes against Iran


The U.S. and Israel announced a major military operation against Iran early Saturday, after President Trump threatened the Iranian regime for weeks to make a new deal to rein in its nuclear program, and before that, threatened it over its violent crackdown on protesters in January.



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Texas to require proof of identity, legal status for new vehicle titles March 5, 2026

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Texas to require proof of identity, legal status for new vehicle titles March 5, 2026


A major change is coming to how vehicles are titled and registered in Texas, with local officials and border-area dealerships bracing for questions, delays and the possibility that some buyers could take their business out of state.

Beginning March 5, 2026, Texans applying for an original vehicle title and registration will need proof of identity and proof of legal status in the United States.

The Texas Motor Vehicle Board approved a new rule requiring county tax offices to verify that documentation before processing those transactions.

“If the person doesn’t have valid ID, we cannot register their vehicle,” said Ruben Gonzalez, the El Paso County tax assessor-collector.

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Gonzalez said the rule is mandatory statewide and is not a local policy, but a state mandate he is required to follow as an agent of the DMV.

Under the rule, buyers must present a REAL ID-compliant Texas ID or other federally recognized documents, including a passport or permanent resident card.

Gonzalez said the rule takes effect March 5 for new titles and registrations, but proof of legal status for registration renewals will not be required until Jan. 1, 2027.

“We’re going to give a year’s time for those people to qualify, but more so to allow the entities, businesses like lean holders and dealers and the county offices to be trained on what’s an acceptable form of documentation to accept from people that are renewing online or in our offices,” Gonzalez said.

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Destiny Venecia reports on Texas to require proof of identity and legal status for vehicle titles, registrations (Credit: KFOX14)

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Local dealerships said they are working to adapt, but some employees and customers are uneasy about the change.

Luis Fierro, president of the El Paso Hispanic Independent Automobile Dealer Association, said, “My personnel is a little bit scared to make a mistake. Within the dinner community, they’re all scared, they’re all lost in the system. They’re trying to figure out, as we all believe, an ID was a real ID. Now we find out that what we knew that was good to be used is no longer good.”

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Border-area dealerships also worry customers could buy and register vehicles in New Mexico, taking taxes and fees out of Texas.

“Customers are scared of the new implementation, that they’re going to take their business to New Mexico, pay their taxes in New Mexico, and handle the registration and renewals in the state of New Mexico and avoid Texas,” Fierro said.

County leaders said the concern extends beyond lost sales to lost revenue for Texas counties.

“It’s going to be a loss of revenue because if they go to New Mexico, we can’t collect our fees that are due because they’re all they’re running using our highways,” Gonzalez said.

County officials said they expect an increase in questions and possible delays in the first few months after the rule takes effect March 5, 2026.

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North Texas middle school closes after a norovirus outbreak

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North Texas middle school closes after a norovirus outbreak


A middle school in the Eagle Mountain-Saginaw ISD is closed Friday after an outbreak of norovirus.

According to the school district, they closed Creekview Middle School in Fort Worth on Friday to sanitize and clean the building. The district said they plan on reopening the school on Monday.

The district said children started to get sick on Tuesday with what appeared to be a stomach virus and that on Wednesday it spread to a larger group.

EMSISD said they reached out to the Tarrant County Public Health Department and that they recommended disinfecting and cleaning the school on Wednesday night and reopening the next day.

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More cases continued to be reported on Thursday, so the public health department then recommended that they clean again and close the campus on Friday.

Parents were notified of the district’s decision on Thursday afternoon.

The district has not said how many students and staff were sickened in the outbreak.

Officials with Children’s Medical Center said that because norovirus is highly contagious and resistant to many common hand sanitizers, it presents a unique challenge for families.

The hospital says hand sanitizer isn’t enough and recommends thorough hand washing with soap and water. They also recommend parents keep their children home for a full 48 hours after symptoms stop to prevent further outbreaks.

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The Centers for Disease Control and Prevention says there are approximately 2,500 norovirus outbreaks in the United States each year and that they are most common from November through April. For further tips on preventing the spread of norovirus, visit the CDC.



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