My experience has been as follows: DAZ3D's own models: Human and animal models come WITHOUT texture maps but separate, extra cost texture maps are offered Clothing, Props and accessories - Some come with, some come without texture maps, you have to check the item description and if the item is without a texture map, texture maps are offered as an extra. DAZ3D brokered items, that is, items made by independent artists and sold through DAZ3d: Almost all items come with texture maps but there are exceptions, read the description. If the items are without texture maps, these are usually offered as an extra. In any case, DAZ3D has free TEXTURE TEMPLATES for virtually ALL items, their own and brokered, that are sold by them. (Texture templates are used to create your own texture maps) Renderosity MarketPlace (and other commercial Poser model sources): Most items usually come with a, and often several, texture map(s), however very few include texture templates and that's where UVMapper comes in real handy as Cybermonk suggested.