DALLAS — A policy change: Last year, I reported on a phenomenon where the fourth-largest home insurer in Texas (Farmers Insurance) was sending out notices to some covered homeowners, telling them they would not be renewed unless they bundled their automobile insurance with Farmers as well.

I called those letters an insurance ultimatum. At the time, the company told me:

"We continuously monitor the changing market environment and make adjustments, as necessary. In order to effectively address the frequency of catastrophe events, increased reconstruction costs and persistent inflationary pressures, we initiated targeted underwriting actions to better manage our risk exposure in the state.”

Action at the legislature

To their point, with all its perils, Texas has been known in recent y

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