| (a) "Residential property insurance" means insurance
against loss to real or tangible personal property at a fixed location
provided in a homeowners policy or residential fire and allied lines
policy.
(b) An insurer may not decline to write residential
property insurance based on the age of the property sought to be insured.
This provision does not prohibit an insurer from declining to write
coverage based on physical conditions of the property, including wiring,
heating, air conditioning, plumbing, and roofing. This provision does
not prohibit the Texas Windstorm Insurance Association from requiring,
in accordance with the provisions of Chapter 2210 of the Insurance
Code, different building code standards to qualify for coverage based
on the date that the structure was constructed, repaired, or additions
were made.
(c) An insurer may not decline to write residential
property insurance based on a minimum value of the property sought
to be insured.
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