(a) Each insurance policy or contract insuring property in this state against loss by fire, including a policy or contract or portion of a policy or contract that insures the shore end of a marine risk against loss by fire, must be issued in accordance with:
(1) this chapter;
(2) Section 403.002;
(3) Subchapter C, Chapter 5;
(4) Subchapter H, Chapter 544;
(5) Subchapter D, Chapter 1806; and
(6) Chapters 252, 2002, 2003, 2004, 2005, 2006, and 2171.
(b) An insurer issuing an insurance policy or contract described by Subsection (a), including a fire insurance company, marine insurance company, fire and marine insurance company, and fire and tornado insurance company, is governed by the laws described by Subsection (a).

(c) This section applies to an insurer or to an insurance policy or contract regardless of:
(1) the kind and character of property insured;
(2) whether the property is:
(A) fixed or movable;
(B) stationary or in transit; or
(C) consigned or billed for shipment inside or outside the boundaries of this state or to a foreign country;
(3) whether the insurer is organized:
(A) under the laws of this state, another state, territory, or possession of the United States, or a foreign country; or
(B) by authority of the federal government; or
(4) the kind of insurer or the name of the insurer issuing the policy or contract.