Non-Resident Insurance Agents: How Texas CE Works for You
If you're a non-resident insurance agent selling in Texas, you may be wondering how CE works. Do you need Texas-specific courses? Can you use courses from your home state? What if your home state has different requirements?
Here's what you need to know.
Quick Summary
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Non-resident agents must meet Texas CE requirements to maintain a Texas license
- If your home state has a reciprocal agreement, you may be able to use your home state CE
- Otherwise, you must complete Texas-specific CE — 24 hours including 3 hours of ethics
- SB 912: Electronic CE tracking starts September 1, 2026
- Check your Sircon transcript to verify Texas credits
Do Non-Resident Agents Need Texas CE?
Yes — if you hold a Texas non-resident insurance license, you must comply with Texas CE requirements to keep it active.
The good news: Texas has reciprocal CE agreements with many states. If your home state has a reciprocal agreement with Texas, completing your home state CE may satisfy your Texas requirement.
How to check: Verify whether your home state has a reciprocal agreement with Texas on the TDI website. If it does, you may not need to take separate Texas courses.
If There's No Reciprocity Agreement
If your home state does not have a reciprocal agreement with Texas, you must complete Texas-specific CE. That means:
- 24 total hours every two years
- 3 hours of Ethics and Consumer Protection
- At least 12 hours classroom or classroom-equivalent
- Courses must be from TDI-approved providers
Note: The 3-hour ethics requirement applies to Texas licenses. If your home state ethics course is approved by Texas, it may count.
What About Adjusters?
Non-resident adjusters have similar rules. If your home state has a reciprocal agreement, your home state CE may satisfy Texas requirements. If not, you must complete Texas CE.
Designated Home State (DHS): Some adjusters use a Designated Home State license. If Texas is your DHS, you must meet Texas CE requirements.
New for 2026: Electronic CE Tracking
Starting September 1, 2026, Texas requires electronic verification of CE compliance before renewal. Your CE provider must report your completion to the state system. Paper certificates alone are no longer sufficient.
What this means for non-resident agents: If you're using a home state CE provider that isn't set up to report to Texas, you may need to switch providers or take separate Texas courses.
How to Check Your Texas CE Record
Log into Sircon and check your CE transcript. The transcript shows all Texas CE completions by category and instruction method.
If your home state CE isn't appearing, contact your provider to confirm they reported to Texas. If they can't, you may need to retake the course through a Texas-approved provider.
Common Mistakes Non-Resident Agents Make
1. Assuming home state CE automatically counts. It doesn't — unless there's a reciprocal agreement.
2. Not checking reciprocity. Some states have agreements; others don't. Verify before assuming.
3. Missing the ethics requirement. Texas requires 3 hours of ethics. Make sure your CE includes it.
4. Not checking the Sircon transcript. Don't wait until renewal to find out your hours weren't reported.
5. Waiting until the last minute. Non-resident agents often face additional processing steps. Complete CE early.
The Bottom Line
Non-resident agents must meet Texas CE requirements — but if your home state has a reciprocal agreement, you may already be covered. Check reciprocity, verify your Sircon transcript, and complete CE early.
Time2Renew offers TDI-approved CE courses that meet all Texas requirements — including ethics, classroom-equivalent, and specialty courses. Our courses are available online and self-paced for busy agents in any state.