landlord may not charge the tenant a fee that is more than the reasonable cost of obtaining and administering the insurance purchased under this subsection.
(f) If the tenant decides to pay a fee in lieu of a security deposit and the landlord purchases insurance coverage as described by Subsection (e), an agreement required under Subsection (c) must clearly specify the following terms:
(1) the fee is being paid only to secure occupancy without a requirement of paying a security deposit;
(2) the fee, unless otherwise specified, is not refundable;
(3) payment of the fee, unless otherwise specified, does not eliminate, release, or otherwise limit the requirements of the lease, including that the tenant must pay for:
(A) rent as the rent becomes due; and
(B) damages for which the tenant is legally liable under the lease, other than normal wear and tear; and
(4) the fee, unless otherwise specified, is not paying for insurance that covers the tenant or otherwise changes the tenant's obligation to pay rent and damages beyond normal wear and tear.
(g) Except as provided by Subsection (h), a fee collected under this section is a security deposit for purposes of this chapter.
(h) A fee collected under this section is not a security deposit for purposes of this chapter if:
(1) an agreement was signed under Subsection (c); and
(2) the fee is used to purchase insurance coverage for damages and unpaid rent for which the tenant is legally liable under the lease or as a result of breaching the lease.
(i) A landlord may not charge a tenant for normal wear and tear of a dwelling.
(j) A landlord may not submit a claim for damages or unpaid rent to an insurer for insurance described by Subsection (e) unless the landlord notifies the tenant of the damages or unpaid rent indebtedness not