Between 2011 and 2016, title insurance premiums increased 74 percent from $1.164 billion to $2.023 billion. In the same period, paid losses decreased from $30.5 million to $20.5 million. As premiums continue to skyrocket, the citizens of Texas deserve a full voice in the rate-setting process. The state should provide standing to the public at rate hearings, as in other lines of insurance, and allow them the right to request a hearing be held to consider a rate change more frequently than five years. Because Texans pay among the highest rates for title insurance, they deserve a voice in the rate-setting process.