Homeowners insurance rate filings, with the source documents
FiledRates reports the requests insurers file with state regulators to raise or lower homeowners insurance rates, and what regulators decide. It is an independent publication edited by C. Zakarian. Every report is built from official documents, such as regulator orders, state filing databases, and the filings themselves, and links to them.
Tracking Florida, Texas, California, New York, and Oklahoma.
Latest decision
California approves 17.0% homeowners rate increase for State Farm General
The final order of July 23, 2026 set State Farm General's non-tenant homeowners (HO-3) increase at 17.0%, 13.0 points below its June 2024 request.
Recent filings
All homeowners rate filings| Filing | State | Requested or filed | Approved | Change | Status | Key date |
|---|---|---|---|---|---|---|
| State Farm Lloyds, homeowners | Texas | +4.0% | n/a | Pending TDI review | Received July 29, 2026 | |
| Allstate Vehicle and Property, homeowners | Texas | +8.0% | n/a | Filed, TDI review closed | Effective Jan. 26, 2026 | |
| Cincinnati Insurance, homeowner | California | +35.0% | +35.0% | Approved as filed | Decided March 10, 2026 | |
| Branch Insurance Exchange | Oklahoma | −15.0% | n/a | Filed (use and file) | Effective April 10, 2026 | |
| Incline National, homeowners | Texas | −10.0% | n/a | Pending TDI review | Received Sept. 23, 2026 | |
| Tower Hill Prime, homeowners | Texas | −9.2% | n/a | Pending TDI review | Received Sept. 23, 2026 |
Latest analysis
All analysisTexas homeowners rate cuts now outnumber increases. Most of the biggest insurers still raised.
Decreases now outnumber increases among Texas homeowners rate filings, 51 to 30 so far in 2026. But the companies that filed increases held 58.7% of the state's 2024 homeowners premium, and those that filed only decreases held 13.0%.
States we track
How each state reviews ratesFlorida
Office of Insurance Regulation. File and use or use and file; Citizens rates set by order.
Texas
Department of Insurance. File and use; FAIR Plan rates need the commissioner's approval.
California
Department of Insurance. Prior approval under Proposition 103.
New York
Department of Financial Services. File and use.
Oklahoma
Insurance Department. Use and file; monthly rate change reports.
How FiledRates works
Each report states what was filed, by whom, for how much, when, and what the regulator did, then compares it with other filings in our dataset. Figures are overall averages; individual premiums vary. Read our methodology and editorial policy, or look up a term in the glossary.