Homeowners insurance rate analysis
Published . Updated
Each week, FiledRates looks across the filings and regulator decisions we track for what changed and what stands out. Every figure comes from official regulator data, with the method and sources listed in each article.
Texas homeowners rate cuts now outnumber increases. Most of the biggest insurers still raised.
Published
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%.
California approved 161 homeowners rate changes since 2023. None was a cut.
Published
Every homeowners rate change the California Department of Insurance approved from January 2023 through September 2026 was an increase. In 2026 the median approved increase fell to 6.9%, from 16.0% in 2025.