CS/HB 943: Citizens Property Insurance Corporation
GENERAL BILL by Insurance & Banking Subcommittee ; Redondo ; (CO-INTRODUCERS) Owen ; Valdés
Citizens Property Insurance Corporation; Prohibits corporation from issuing or renewing coverage for commercial residential & commercial nonresidential risks; requires corporation to establish personal lines clearinghouse for specified purposes; requires corporation to implement commercial lines clearinghouse for specified purpose; authorizes corporation to develop & implement separate commercial lines clearinghouse for specified purposes; authorizes approved surplus lines clearinghouse insurers to participate in commercial lines clearinghouse; revises prohibitions & requirements for insurers making offers of coverage to new applicants or renewal policyholders through program; specifies that applicants for new commercial lines residential coverage are not eligible for coverage from corporation; specifies circumstances under which policyholders of corporation are not eligible for new commercial lines residential coverage from corporation; authorizes applicants or insureds to elect to accept coverage with authorized insurers or elect to accept or continue coverage with corporation; authorizes insureds to elect to accept coverage with specified insurers or elect to accept or continue coverage with corporation; specifies that certain applicants & policyholders remain eligible for coverage from corporation; authorizes such applicants & policyholders to elect to accept coverage from clearinghouse insurers or elect to accept or continue coverage with corporation; authorizes certain applicants & policyholders of corporation to elect to accept coverage from clearinghouse insurers or elect to accept or continue coverage with corporation; requires such applicants or policyholders to pay specified total cost of insurance for corporation coverage; revises rights & authorizations for certain independent insurance agents; removes prohibition relating to commercial nonresidential policies.
Last Action: 2/6/2026 House - Now in Commerce Committee
Bill Text: PDF
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Bill History
Date Chamber Action 12/30/2025 House • Filed
1/12/2026 House • Referred to Insurance & Banking Subcommittee
• Referred to Commerce Committee
• Now in Insurance & Banking Subcommittee
1/13/2026 House • 1st Reading (Original Filed Version)
1/30/2026 House • Added to Insurance & Banking Subcommittee agenda
2/3/2026 House • Favorable with CS by Insurance & Banking Subcommittee
2/4/2026 House • Reported out of Insurance & Banking Subcommittee
• Laid on Table under Rule 7.18(a)
• CS Filed
• 1st Reading (Committee Substitute 1)
2/6/2026 House • Referred to Commerce Committee
• Now in Commerce Committee
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CS/HB 943, Committee Substitute 1 (Current Bill Version) Posted 2/4/2026 at 2:38 PM
Bill Text: PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1028 (c2) Citizens Property Insurance Corporation Gruters Similar Last Action: 2/16/2026 S Placed on Calendar, on 2nd reading 
Citations - Statutes (2)
Citation Catchline Location in Bill Location In Bill Help 627.351 Insurance risk apportionment plans. Page 3 (pdf) 627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 4 (pdf) -
HB 943, Original Filed Version Posted 12/30/2025 at 10:44 AM
Bill Text: PDF Analyses: Insurance & Banking Subcommittee (Post-Meeting) 2/4/2026 (pdf)
Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1028 (c1) Citizens Property Insurance Corporation Gruters Similar Last Action: 2/16/2026 S Placed on Calendar, on 2nd reading
Committee Amendments (1)
Amendment Sponsor Filed Last Committee Action Format 005511 - Strike All Amendment
Remove everything after the enacting clause and insert:Redondo 2/2/2026
5:01 PMAdopted without Objection
2/3/2026PDF Citations - Statutes (2)
Citation Catchline Location in Bill Location In Bill Help 627.351 Insurance risk apportionment plans. Page 3 (pdf) 627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 4 (pdf)