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Title Insurance Basic Manual

The Basic Manual of Rules, Rates and Forms for the Writing of Title Insurance in the State of Texas contains seven sections and an appendix. View complete Texas Title Insurance Basic Manual 2014 (PDF)

Section I contains TITLE 11 of the Texas Insurance Code and is referred to as the Texas Title Insurance Act. It contains statutes specific to title insurance that have been enacted by the Texas Legislature. It also contains portions of TITLE 3 and TITLE 5 pertaining to title insurance. You will have to use the "back" button to return to this site. SCROLL DOWN TO THE INDEX BELOW TO SELECT THE INDIVIDUAL SECTIONS WITHIN TITLE 11, TITLE 3 AND TITLE 5

Section II INSURING FORMS contains all the title insurance forms adopted for use in the State of Texas. It also contains the instructions for certain endorsements.

Section III RATE RULES contains the basic rates for writing title insurance and other rate rules to be applied under specific circumstances.

Section IV PROCEDURAL RULES contains the procedural rules for writing title insurance. These rules address a variety of procedures. Some rules set out the circumstances under which certain rate rules or forms are to be used and others set out guidelines or restrictions of certain business activities or practices.

Section V EXHIBITS AND FORMS contains exhibits and forms to be used in the business of title insurance. It also includes minimum standards, specific instructions and forms for audit of trust funds.

Section VI ADMINISTRATIVE RULES contains the administrative rules that pertain to licensing title agents, direct operations and escrow officers. It also sets out procedures for ceasing business.

Section VII CLAIMS contains claims handling principals and procedures.

Section VIII PERSONAL PROPERTY TITLE INSURANCE contains the statute, forms, rules and rates that pertain to Personal Property Title Insurance.

The Appendix contains all pertinent and timely bulletins issued by the State Board of Insurance or the Commissioner of Insurance.

Alphabetical List of Title Forms and Rules


TEXAS INSURANCE CODE

TITLE 11. TITLE INSURANCE


SUBTITLE A. GENERAL PROVISIONS

CHAPTER 2501. GENERAL PROVISIONS


CHAPTER 2502. PROHIBITED CONDUCT

SUBCHAPTER A. PROHIBITED CONDUCT IN GENERAL


SUBCHAPTER B. REBATES AND DISCOUNTS

  • Sec. 2502.051 REBATES AND DISCOUNTS PROHIBITED
  • Sec. 2502.052 CERTAIN DIVISIONS OF REAL PROPERTY CHARGES PROHIBITED
  • Sec. 2502.053 CERTAIN COMPENSATORY PAYMENTS NOT PROHIBITED
  • Sec. 2502.054 CERTAIN DIVISIONS OF PREMIUMS NOT PROHIBITED
  • Sec. 2502.055 PROMOTIONAL AND EDUCATIONAL ACTIVITIES NOT REBATES
  • Sec. 2502.056 MONETARY FORFEITURE
  • Sec. 2502.057 CERTAIN COMPENSATORY PAYMENTS RELATED TO CERTAIN ELECTRIC ENERGY PROJECTS PERMITTED
    [Chapters 2503-2550 reserved for expansion]

SUBTITLE B. ORGANIZATION OF TITLE INSURANCE COMPANIES

CHAPTER 2551. TITLE INSURERS


SUBCHAPTER A. GENERAL PROVISIONS

  • Sec. 2551.001 APPLICABILITY OF TITLE AND OTHER LAW
  • Sec. 2551.002 APPLICABILITY OF LAW GOVERNING CORPORATIONS
  • Sec. 2551.003 RULEMAKING; AUTHORITY OF DEPARTMENT AND COMMISSIONER
    [Sections 2551.004-2551.050 reserved for expansion]

SUBCHAPTER B. FORMATION


SUBCHAPTER C. AUTHORITY TO ENGAGE IN BUSINESS

  • Sec. 2551.101 CERTIFICATE OF AUTHORITY REQUIRED
  • Sec. 2551.102 ISSUANCE OF CERTIFICATE OF AUTHORITY
    [Sections 2551.103-2551.150 reserved for expansion]

SUBCHAPTER D. GENERAL POWERS AND DUTIES


SUBCHAPTER E. REQUIRED DEPOSIT


SUBCHAPTER F. RESERVES


SUBCHAPTER G. LIABILITY AND REINSURANCE

Indicates new addition since last update.Added by Acts 2015, 84th Leg., R.S., Ch. 38 (S.B. 572), eff. September 1, 2015.


SUBCHAPTER H. ENFORCEMENT AND INTERVENTION

CHAPTER 2552. ATTORNEY'S TITLE INSURANCE COMPANIES AND TITLE ATTORNEYS


SUBCHAPTER A. GENERAL PROVISIONS


SUBCHAPTER B. ORGANIZATION OF ATTORNEY'S TITLE INSURANCE COMPANY


SUBCHAPTER C. TITLE ATTORNEY'S LICENSE AND RENEWAL


SUBCHAPTER D. TITLE ATTORNEY GENERAL REQUIREMENTS


SUBCHAPTER E. POWERS AND DUTIES OF ATTORNEY'S TITLE INSURANCE COMPANIES


SUBCHAPTER F. AUDIT AND EXAMINATION REQUIREMENTS RELATING TO TRUST FUND ACCOUNTS


SUBCHAPTER G. LICENSE DENIAL AND DISCIPLINARY ACTION

  • Sec. 2552.301 GROUNDS FOR LICENSE DENIAL OR DISCIPLINARY ACTION
  • Sec. 2552.302 LICENSE APPLICATION AFTER DENIAL, REFUSAL, OR REVOCATION

CHAPTER 2553. FOREIGN OR ALIEN CORPORATIONS

[Chapters 2554-2600 reserved for expansion]

SUBTITLE C. FINANCIAL SOLVENCY


CHAPTER 2601. SUPERVISION, LIQUIDATION, REHABILITATION, REORGANIZATION, OR CONSERVATION OF TITLE INSURANCE COMPANIES AND AGENTS

  • Sec. 2601.001 SUPERVISION, LIQUIDATION, REHABILITATION, REORGANIZATION, OR CONSERVATION OF TITLE INSURANCE COMPANIES AND AGENTS

CHAPTER 2602. TEXAS TITLE INSURANCE GUARANTY ASSOCIATION

SUBCHAPTER A. GENERAL PROVISIONS


SUBCHAPTER B. GOVERNANCE OF TEXAS TITLE INSURANCE GUARANTY ASSOCIATION


SUBCHAPTER C. GENERAL POWERS AND DUTIES OF ASSOCIATION


SUBCHAPTER D. POLICY GUARANTY FEES


SUBCHAPTER E. ASSESSMENTS


SUBCHAPTER F. COVERED CLAIMS


SUBCHAPTER G. ASSOCIATION POWERS AND DUTIES RELATING TO COVERED CLAIMS


SUBCHAPTER H. CONSERVATOR OR RECEIVER POWERS AND DUTIES RELATING TO COVERED CLAIMS

  • Sec. 2602.351 DETERMINATION OF CONSERVATOR CONCERNING REINSURANCE, ASSUMPTION, OR SUBSTITUTION
  • Sec. 2602.352 NOTICE OF DETERMINATION CONCERNING ACTUAL PAYMENT
  • Sec. 2602.353 FILING OF COVERED CLAIM
  • Sec. 2602.354 CLAIM BY PERSON WITH CAUSE OF ACTION AGAINST INSURED
  • Sec. 2602.355 REPORT TO ASSOCIATION
    [Sections 2602.356-2602.400 reserved for expansion]

SUBCHAPTER I. OPERATION OF IMPAIRED TITLE INSURANCE COMPANY OR AGENT


SUBCHAPTER J. ADDITIONAL DUTIES OF ASSOCIATION

SUBTITLE D. TITLE INSURANCE PROFESSIONALS


CHAPTER 2651. TITLE INSURANCE AGENTS AND DIRECT OPERATIONS


SUBCHAPTER A. TITLE INSURANCE AGENT'S LICENSE


SUBCHAPTER B. DIRECT OPERATION LICENSE


SUBCHAPTER C. BOND AND DEPOSIT REQUIREMENTS


SUBCHAPTER D. ANNUAL AUDIT


SUBCHAPTER E. GENERAL REGULATION OF TITLE INSURANCE AGENTS AND DIRECT OPERATIONS


SUBCHAPTER F. TITLE INSURANCE COMPANY POWERS AND DUTIES REGARDING TITLE INSURANCE AGENTS

  • Sec. 2651.251 EXAMINATION OF TRUST FUND ACCOUNTS BY TITLE INSURANCE COMPANY
  • Sec. 2651.252 SPECIAL REPORTS
  • Sec. 2651.253 AUDIT OF UNUSED FORMS
    [Sections 2651.254-2651.300 reserved for expansion]

SUBCHAPTER G. LICENSE DENIAL AND DISCIPLINARY ACTION

  • Sec. 2651.301 GROUNDS FOR LICENSE DENIAL OR DISCIPLINARY ACTION
  • Sec. 2651.3015 PROHIBITED GROUNDS FOR REJECTION, DELAY, OR DENIAL
  • Sec. 2651.302 LICENSE APPLICATION AFTER DENIAL, REFUSAL, OR REVOCATION
  • Sec. 2651.303 NOTICE OF DISCIPLINARY OR ENFORCEMENT ACTION; AUTOMATIC DISMISSAL

CHAPTER 2652. ESCROW OFFICERS


SUBCHAPTER A. GENERAL PROVISIONS

Indicates new addition since last update.Amended by Acts 2015, 84th Leg., R.S., Ch.232 (H.B. 2491), Sec. 1, eff. September 1, 2015.

SUBCHAPTER B. LICENSE APPLICATION AND RENEWAL

Indicates new addition since last update.Amended by Acts 2015, 84th Leg., R.S., Ch. 232 (H.B. 2491), eff. September 1, 2015.

SUBCHAPTER C. BOND AND DEPOSIT REQUIREMENTS

Indicates new addition since last update.Amended by Acts 2015, 84th Leg., R.S., Ch. 232 (H.B. 2491), Sec. 6, eff. September 1, 2015.

SUBCHAPTER D. DUTIES OF TITLE INSURANCE AGENTS AND DIRECT OPERATIONS REGARDING ESCROW OFFICERS

Indicates new addition since last update.Amended by Acts 2015, 84th Leg., R.S., Ch. 232 (H.B. 2491), eff. September 1, 2015.

SUBCHAPTER E. LICENSE DENIAL AND DISCIPLINARY ACTION

  • Sec. 2652.201 GROUNDS FOR LICENSE DENIAL OR DISCIPLINARY ACTION
  • Sec. 2652.2015 PROHIBITED GROUNDS FOR DELAY OR DENIAL
  • Sec. 2652.202 LICENSE APPLICATION AFTER DENIAL, REFUSAL, OR REVOCATION
  • Sec. 2652.203 NOTICE OF DISCIPLINARY OR ENFORCEMENT ACTION; AUTOMATIC DISMISSALIndicates new addition since last update.
    [Chapters 2653-2700 reserved for expansion]

Indicates new addition since last update.Amended by Acts 2015, 84th Leg., R.S., Ch. 232 (H.B. 2491), Sec. 10, eff. September 1, 2015.

SUBTITLE E. THE BUSINESS OF TITLE INSURANCE


CHAPTER 2701. GENERAL PROVISIONS

  • Sec. 2701.001 ABSTRACT OF TITLE DISTINGUISHED; PROHIBITION ON REGULATION OF ABSTRACT OF TITLE
  • Sec. 2701.002 CONSTRUCTION OF CHAPTER 601, BUSINESS & COMMERCE CODE

CHAPTER 2702. CLOSING AND SETTLEMENT


SUBCHAPTER A. INSURED CLOSING AND SETTLEMENT LETTERS

  • Sec. 2702.001 INSURED CLOSING AND SETTLEMENT LETTER: LOANS
  • Sec. 2702.002 INSURED CLOSING AND SETTLEMENT LETTER: CERTAIN BUYERS OR SELLERS
  • Sec. 2702.003 EFFECT OF FAILURE TO ISSUE INSURED CLOSING AND SETTLEMENT LETTER
    [Sections 2702.004-2702.050 reserved for expansion]

SUBCHAPTER B. UNIFORM CLOSING AND SETTLEMENT STATEMENTS

  • Sec. 2702.051 APPLICABILITY
  • Sec. 2702.052 DUTY TO PRESCRIBE UNIFORM CLOSING AND SETTLEMENT STATEMENT FORMS
  • Sec. 2702.053 CONTENT OF CLOSING AND SETTLEMENT STATEMENT
  • Sec. 2702.054 USE OF ALTERNATE SETTLEMENT STATEMENT FORM PERMITTED
    [Sections 2702.055-2702.100 reserved for expansion]

SUBCHAPTER C. ADVANCE DISCLOSURE OF CLOSING AND SETTLEMENT COSTS IN TRANSACTIONS INVOLVING RESIDENTIAL REAL PROPERTY

  • Sec. 2702.101 APPLICABILITY
  • Sec. 2702.102 DUTY TO PROVIDE ADVANCE DISCLOSURE OF CLOSING AND SETTLEMENT COSTS
  • Sec. 2702.103 TITLE INSURANCE COMPANY OR TITLE INSURANCE AGENT NOT SUBJECT TO REQUIREMENTS APPLICABLE TO LENDERS

CHAPTER 2703. POLICY FORMS AND PREMIUM RATES


SUBCHAPTER A. GENERAL PROVISIONS

Indicates new addition since last update.Amended by Acts 2015, 84th Leg., R.S., Ch. 38 (S.B. 572), Sec. 4, eff. September 1, 2015.

SUBCHAPTER B. POLICY PROVISIONS


SUBCHAPTER C. POLICY FORMS FOR RESIDENTIAL REAL PROPERTY

  • Sec. 2703.101 POLICY FORMS FOR RESIDENTIAL REAL PROPERTY
    [Sections 2703.102-2703.150 reserved for expansion]

SUBCHAPTER D. FIXING AND PROMULGATING PREMIUM RATES

  • Sec. 2703.151 FIXING AND PROMULGATING PREMIUM RATES
  • Sec. 2703.152 FACTORS CONSIDERED IN FIXING PREMIUM RATES
  • Sec. 2703.153 COLLECTION OF DATA FOR FIXING PREMIUM RATES; ANNUAL STATISTICAL REPORT
    [Sections 2703.154-2703.200 reserved for expansion]

SUBCHAPTER E. PROCEDURES REGARDING PREMIUM RATES, POLICY FORMS, AND OTHER RELATED MATTERS


CHAPTER 2704. ISSUANCE OF POLICY OR CONTRACT; DETERMINATION OF INSURABILITY


SUBCHAPTER A. GENERAL PROVISIONS

  • Sec. 2704.001 ISSUANCE OF POLICY OR CONTRACT
  • Sec. 2704.002 DIRECT ISSUANCE OF POLICY OR CONTRACT
  • Sec. 2704.003 COPY OF POLICY OR CONTRACT TO AGENT OR DIRECT OPERATION
  • Sec. 2704.004 EXCEPTIONS TO APPLICABILITY OF CHAPTER
    [Sections 2704.005-2704.050 reserved for expansion]

SUBCHAPTER B. ISSUANCE OF OWNER AND MORTGAGEE POLICIES FOR RESIDENTIAL REAL PROPERTY

  • Sec. 2704.051 ISSUANCE OF OWNER POLICY REQUIRED IN CONNECTION WITH ISSUANCE OF MORTGAGEE POLICY
  • Sec. 2704.052 REJECTION OF ISSUANCE OF OWNER POLICY
    [Sections 2704.053-2704.100 reserved for expansion]

SUBCHAPTER C. TITLE INSURANCE COVERING AREAS AND BOUNDARIES


SUBTITLE F. TITLE INSURANCE FOR CERTAIN PERSONAL PROPERTY INTERESTS


CHAPTER 2751 TITLE INSURANCE FOR PERSONAL PROPERTY INTERESTS


SUBCHAPTER A. GENERAL PROVISIONS


SUBCHAPTER B. RATES AND FORMS


SUBCHAPTER C. POWERS AND DUTIES OF INSURERS AND AGENTS


TITLE 3. DEPARTMENT FUNDS, FEES, AND TAXES


SUBTITLE A. GENERAL PROVISIONS

SUBTITLE B. INSURANCE PREMIUM TAXES

CHAPTER 223. TITLE INSURANCE PREMIUM TAX


SUBTITLE C. INSURANCE MAINTENANCE TAXES

SUBTITLE D. TITLE INSURANCE MAINTENANCE FEES

CHAPTER 271. TITLE INSURANCE MAINTENANCE FEES


TITLE 5. PROTECTION OF CONSUMER INTERESTS


SUBTITLE A. PUBLIC INSURANCE COUNSEL

CHAPTER 501. OFFICE OF PUBLIC INSURANCE COUNSEL

SUBCHAPTER A. GENERAL PROVISIONS

SUBCHAPTER B. PUBLIC COUNSEL

SUBCHAPTER C. PERSONNEL

SUBCHAPTER D. POWERS AND DUTIES

  • Sec. 501.153 AUTHORITY TO APPEAR, INTERVENE, OR INITIATE. The public counsel: (1)(A)(ii) title insurance;

SUBCHAPTER E. ASSESSMENTS

Continue to List of title forms in alphabetical order



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Last updated: 02/02/2016

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