The Texas Department of Insurance regulates the state's insurance industry to protect consumers and ensure market stability. TDI licenses insurance companies and agents, resolves consumer complaints against insurers, and investigates insurance fraud. TDI's Division of Workers' Compensation oversees the workers' compensation system for workplace injuries. The HelpInsure.com website operated by TDI helps Texans shop for homeowners, renters, and auto insurance. TDI also administers the Texas FAIR Plan which provides homeowners insurance to Texans who cannot get coverage through the regular market, particularly important for Houston residents in flood-prone areas.
