MVA and home improvement leads in Texas
Texas had 31,709,821 residents in the Census Bureau estimate for July 1, 2025. For lead buyers, Texas stands out for three reasons: a hard cutoff for claimants more than half at fault, a median year built of 1992 for its housing, and a telephone solicitation statute that now reaches text messages.
Summit Leads supplies home improvement and MVA leads in all U.S. states, including Texas. Buyers set filters down to the ZIP code. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Texas lead supplyTexas MVA leads: fault-based claims and the 50 percent bar
Texas is a fault-based state. The Texas Department of Insurance explains that liability coverage pays to repair the other driver's car if you caused the accident and also pays the other driver's and passengers' medical bills and some other expenses. Injured people claim against the driver who caused the crash; there is no no-fault threshold that limits suits for pain and suffering.
Texas policies also carry personal injury protection. TDI states that all auto policies in Texas include PIP coverage, which pays medical bills and things like lost wages, and that a policyholder who does not want it must tell the company in writing. For intake teams, whether the caller has PIP, and whether it has already paid, is useful context for the law firm but does not block a liability claim.
The decisive Texas rule for buyers is proportionate responsibility. Civil Practice and Remedies Code 33.001 says a claimant may not recover damages if his percentage of responsibility is greater than 50 percent. A lead where the caller ran a red light or rear-ended another car can be worth nothing to a Texas firm, even with a real injury. That makes liability filters (clear or favorable liability, police report, citations issued to the other driver) central to a Texas MVA campaign, and it is the reason the quality bar on this site includes clear or favorable liability.
Timing follows Civil Practice and Remedies Code 16.003, which requires a suit for personal injury to be brought not later than two years after the day the cause of action accrues. Buyers set a maximum accident age filter so each lead reaches a firm with enough of that window left to investigate and negotiate.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages.
Texas home improvement leads: ownership and newer housing
The Census Bureau puts the Texas owner-occupied housing unit rate at 62.6% for 2020-2024, so most Texas households own the home they live in. Homeowner confirmation still filters out the renters who fill a share of every campaign, but the owner pool is larger than in California or New York.
The median year structure built is 1992 in the ACS 5-year estimates for 2020-2024, which means half of the state's housing units went up in 1992 or later. Buyers should not assume the replacement demand of an older Northeast market; many Texas campaigns filter on project type first (roof replacement or repair, flooring, bathroom renovation, windows) and then choose the ZIP codes their contractor clients serve, since a statewide campaign spans very different metros.
Texas no longer registers home builders at the state level: the legislature abolished the Texas Residential Construction Commission, which ceased to exist on September 1, 2009. State licensing now reaches specific trades instead, such as electricians and air conditioning and refrigeration contractors licensed by the Texas Department of Licensing and Regulation. For sales made at the home, Business and Commerce Code 601.051 lets the consumer cancel until midnight of the third business day after signing.
Project types and filters are listed on the home improvement leads and roofing leads pages.
Consent records and Texas telephone solicitation rules
Each lead carries its TCPA consent record (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
Texas regulates telephone solicitation under Business and Commerce Code chapter 302, expanded by SB 140 with effect from September 1, 2025, and sets calling hours in section 301.051. Sellers must hold a registration certificate for each business location before making telephone solicitations from or into Texas, with a registration statement, filing fee and security deposit. Since SB 140, a telephone solicitation includes a text or graphic message or an image, and a chapter 302 violation is treated as a deceptive act under the Texas Deceptive Trade Practices Act. Solicitation calls are limited to after 9 a.m. and before 9 p.m. on weekdays and Saturdays, and after noon and before 9 p.m. on Sundays. Buyers that text Texas leads should check how these rules apply to their own program.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
Texas facts for lead buyers
| Fact | Value | Source |
|---|---|---|
| Auto insurance system | Fault-based (tort); PIP included in every policy unless rejected in writing | Auto insurance guideTexas Department of Insurance |
| Personal injury statute of limitations | Two years (Civ. Prac. & Rem. Code 16.003) | Civil Practice and Remedies Code 16.003Texas Legislature |
| Comparative fault rule | No recovery if the claimant's responsibility is greater than 50 percent (Civ. Prac. & Rem. Code 33.001) | Civil Practice and Remedies Code 33.001Texas Legislature |
| State telemarketing law | Bus. & Com. Code ch. 302 (expanded by SB 140, 2025); calling hours in 301.051 | Business and Commerce Code chapter 302Texas Legislature |
| Population | 31,709,821 (July 1, 2025, Vintage 2025 estimate) | QuickFacts: TexasU.S. Census Bureau |
| Owner-occupied housing unit rate | 62.6% (ACS 2020-2024) | QuickFacts: TexasU.S. Census Bureau |
| Median year structure built | 1992 (ACS 5-year 2020-2024) | Table B25035, Median Year Structure Built: Texas (ACS 5-Year 2020-2024)U.S. Census Bureau |
| Contractor licensing | No state registration of home builders since the Residential Construction Commission ended in 2009; specific trades are licensed by TDLR | Bill analysis, HB 1347 (82nd Legislature)Texas Legislature |
| Home solicitation cancellation | Three business days (Bus. & Com. Code 601.051) | Business and Commerce Code 601.051Texas Legislature |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Texas lead buying questions
Is Texas an at-fault state for car accidents?
Yes. Texas uses a fault-based system: the driver who causes the crash is responsible for the other people's injuries, and liability coverage pays the other driver's and passengers' medical bills when the policyholder caused the accident.
What happens in Texas if the injured person was mostly at fault?
Under Civil Practice and Remedies Code 33.001, a claimant may not recover damages if their percentage of responsibility is greater than 50 percent. That is why Texas buyers filter hard on liability.
How long do Texas accident victims have to file suit?
Two years after the day the cause of action accrues, under Civil Practice and Remedies Code 16.003, so buyers set an accident age limit well inside that window.
Does Texas PIP coverage stop an injured person from suing?
No. PIP is included in Texas auto policies unless the policyholder rejects it in writing, and it pays medical bills and some lost wages, but Texas is not a no-fault state and an injured person can still claim against the driver who caused the crash.
Do Texas solicitation rules cover text messages?
Since SB 140 took effect on September 1, 2025, a telephone solicitation under Business and Commerce Code chapter 302 includes a text or graphic message or an image. This is a summary for education, not legal advice.
Can we buy Texas leads only in certain metros?
Yes. Summit Leads supplies home improvement and MVA leads in all U.S. states, including Texas, and buyers choose the states or ZIP codes they buy in, with separate filters and caps per campaign.
Request Texas lead supply
Tell us the verticals you buy in Texas, the ZIP codes you cover, your daily volume and how you take delivery. Return terms are discussed on the onboarding call and agreed before going live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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