(a) This chapter applies only to a personal automobile or residential property insurance policy delivered, issued for delivery, or renewed in this state by an insurer, including:
(1) a capital stock insurance company;
(2) a mutual insurance company;
(3) a county mutual insurance company;
(4) a Lloyd's plan;
(5) a reciprocal or interinsurance exchange;
(6) a farm mutual insurance company;
(7) an eligible surplus lines insurer if this state is the insured's home state as defined by Section 981.002; and
(8) the FAIR Plan Association.
(b) This chapter does not apply to:
(1) an insurance policy delivered, issued for delivery, or renewed by the Texas Windstorm Insurance Association; or
(2) a commercial insurance policy.