TEXAS AUTO LIMITS HIKE! 🚨 HB 4178 Explained + New 2026 Building Codes | Insurance Talk Texas

Visit https://schellinsurance.com or call 972-423-4546 for a quoteIs your Texas auto insurance policy officially "outdated"?Welcome back to Insurance Talk Texas, the podcast dedicated to keeping Lone Star residents protected and informed. In this week’s deep-dive episode, we are breaking down a massive "January 1st Reset" that is hitting every driver and homeowner in the state. From the first mandatory auto liability increase in 15 years to a major shake-up at the Texas Department of Insurance, 2026 is already proving to be a landmark year for your wallet.In this episode, we cover: ✅ The End of 30/60/25: Why HB 4178 has officially raised the minimum liability floor to 50/100/40. If you haven't checked your insurance card lately, you might be under-insured. ✅ Leadership Shakeup: After 4+ years of service, Commissioner Cassie Brown is retiring (Feb 2nd). What does the appointment of Amanda Crawford mean for the future of Texas rate hikes? ✅ The March 1st Building Code Deadline: Texas is adopting the 2024 International Residential Codes. We explain why your next roof replacement could cost thousands more if you don't have "Ordinance or Law" coverage. ✅ SB 1644 & Your Credit Score: A new law now requires insurers to refresh your credit-based insurance score every 3 years. Find out how this could actually lower your premium in 2026.Who is Schell Insurance? A.R. Schell & Son Agency has been serving Plano, Collin County, and the entire state of Texas since 1930. As the oldest and most experienced independent agency in the area, the team at Schell Insurance knows how to navigate these legislative shifts to find you the best coverage at the right price.📞 NEED AN AUDIT? CALL SCHELL INSURANCE TODAY: 972-423-4546 🌐 VISIT US ONLINE: https://schellinsurance.com 📍 LOCATED AT: 1001 E 15th St #100, Plano, TX 75074KEY TAKEAWAYS FROM THIS EPISODE:Check Your Limits: As of Jan 1, 2026, any policy issued or renewed must meet the new 50/100/40 requirements. Don't let a gap in coverage lead to a personal lawsuit.Audit Your Homeowners Policy: With the new March codes, "standard" coverage might not pay for the required 2024 upgrades. Ask about an "Ordinance or Law" endorsement.Ask for a Re-Rate: Under SB 1644, you have the right to request a re-underwriting based on your current credit score once every 12 months.CONNECT WITH US:If you enjoyed this episode, please SUBSCRIBE and hit the bell icon 🔔 to stay updated on the Texas insurance market. We release new episodes every week to help you protect your family and your business.Has your renewal premium changed this month? Let us know in the comments below! 👇#TexasInsurance #HB4178 #SchellInsurance #AutoInsurance #TexasNews #HomeownersInsurance #CollinCounty #PlanoTX #InsuranceTalkTexas #2026Trends #BuildingCodesDisclaimer: This podcast is for informational purposes only. Insurance coverage and eligibility are subject to the terms and conditions of your specific policy. Please consult with a licensed agent at Schell Insurance for a personalized review of your coverage.