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County insurance renewal climbs about 20%; commissioners defer decision to explore higher deductible options
Summary
The Commissioners Court reviewed a $623,864 invoice to renew property coverage through the Texas Association of Counties Risk Management Pool, representing about a 20% increase over last year; after discussion, the court deferred final action and asked staff to seek quotes showing impacts of higher property deductibles.
McLennan County staff presented the 2025 renewal for property coverage through the Texas Association of Counties (TAC) Risk Management Pool and asked the court to consider the $623,864 invoice for property coverage renewal.
Staff noted the policy premium increased roughly 20% from the prior year and that total covered value had risen about 7.5–8%. County staff said TAC underwriting reported an average pool increase of 15–20% across members; the renewal amount presented to the court was $623,864, up from about $520,000 the previous year.
Commissioners discussed options to manage premium costs, including raising the property deductible (currently $25,000). Commissioner Jones requested staff ask TAC to model premiums at higher deductible levels (for example $50,000, $75,000 or $100,000) to see whether a deductible increase would materially reduce the premium. The court voted to defer final action pending those deductible scenarios and additional information from TAC.
