Trusted Resource Underwriters Exchange (TRUE) has filed changes to its HO-03 homeowners underwriting guidelines in Texas, removing certain eligibility restrictions to broaden access to its product. The revised guidelines (SERFF #TRUW-134576643), effective June 16, 2025, eliminate prior restrictions related to water heaters and update the manual edition from 1.2 to 1.3.

TRUE’s broader underwriting approach still maintains key eligibility rules, including:

• Loss History limits, especially for non-weather-related fire and water claims.

• PEX Plumbing age and inspection requirements.

• Central Heat mandates and disqualification of alternative primary heat sources unless code-compliant.

• Use of insurance scores and third-party risk tools (see below).

• Exposure management practices and eligibility filters around prior coverage, lapses, and high-hazard conditions.

The filing reflects TRUE’s strategy of refining eligibility to grow responsibly while maintaining risk discipline.