https://filedrates.com/ Homeowners insurance rate filings and regulator decisions, with source documents. en-us Thu, 15 Oct 2026 12:00:00 GMT https://filedrates.com/analysis/2026/10/texas-homeowners-rate-filings-2023-2026/ https://filedrates.com/analysis/2026/10/texas-homeowners-rate-filings-2023-2026/ Thu, 15 Oct 2026 12:00:00 GMT Texas homeowners rate cuts outnumber increases in 2026, 51 to 30, but insurers with 58.7% of the market filed increases. TDI data, 2023 to 2026. https://filedrates.com/filings/tx-2026-state-farm-lloyds-homeowners-1/ https://filedrates.com/filings/tx-2026-state-farm-lloyds-homeowners-1/ Thu, 15 Oct 2026 12:00:00 GMT State Farm Lloyds asked Texas on July 29, 2026 to raise homeowners rates 4.0% on average, effective Sept. 1 for new policies. The filing is pending. https://filedrates.com/filings/tx-2026-allstate-vehicle-and-property-homeowners-1/ https://filedrates.com/filings/tx-2026-allstate-vehicle-and-property-homeowners-1/ Thu, 15 Oct 2026 12:00:00 GMT Allstate Vehicle and Property filed an 8.0% average Texas homeowners rate increase, effective Jan. 26, 2026 for new policies. TDI has closed its review. https://filedrates.com/filings/ca-2025-cincinnati-insurance-homeowners-1/ https://filedrates.com/filings/ca-2025-cincinnati-insurance-homeowners-1/ Sat, 10 Oct 2026 12:00:00 GMT Cincinnati Insurance asked California for a 35.0% homeowners rate increase, noticed Sept. 5, 2025. CDI approved it as filed on March 10, 2026. https://filedrates.com/filings/tx-2026-incline-national-homeowners-1/ https://filedrates.com/filings/tx-2026-incline-national-homeowners-1/ Sat, 10 Oct 2026 12:00:00 GMT Incline National's first Texas homeowners rate change in TDI data: a 10.0% average cut, filed Sept. 23, 2026 and effective two days later. Pending at TDI. https://filedrates.com/filings/ok-2026-branch-insurance-exchange-homeowners-1/ https://filedrates.com/filings/ok-2026-branch-insurance-exchange-homeowners-1/ Sat, 10 Oct 2026 12:00:00 GMT Branch Insurance Exchange's 15.0% average homeowners cut is the largest decrease in Oklahoma's January-September 2026 rate report, effective April 10, 2026. https://filedrates.com/filings/tx-2026-tower-hill-prime-homeowners-1/ https://filedrates.com/filings/tx-2026-tower-hill-prime-homeowners-1/ Fri, 09 Oct 2026 12:00:00 GMT Tower Hill Prime filed a 9.2% average Texas homeowners rate cut on Sept. 23, 2026, a week before a 16.9% cut for its manufactured homes. Pending at TDI. https://filedrates.com/filings/ca-2025-integon-national-homeowners-1/ https://filedrates.com/filings/ca-2025-integon-national-homeowners-1/ Fri, 09 Oct 2026 12:00:00 GMT Integon National asked California for an 11.8% homeowners rate increase, noticed Oct. 3, 2025. CDI approved 4.0% on June 4, 2026. https://filedrates.com/analysis/2026/10/california-homeowners-rate-decisions-2023-2026/ https://filedrates.com/analysis/2026/10/california-homeowners-rate-decisions-2023-2026/ Thu, 08 Oct 2026 12:00:00 GMT All 161 California homeowners rate changes approved from 2023 through Sept. 2026 were increases. The median approved increase fell to 6.9% in 2026. https://filedrates.com/filings/tx-2026-tower-hill-prime-manufactured-home-1/ https://filedrates.com/filings/tx-2026-tower-hill-prime-manufactured-home-1/ Thu, 08 Oct 2026 12:00:00 GMT Tower Hill Prime filed Sept. 30, 2026 to cut its Texas manufactured home insurance rates 16.9% on average. TDI lists the filing as pending. https://filedrates.com/filings/ca-2026-farmers-insurance-exchange-homeowners-1/ https://filedrates.com/filings/ca-2026-farmers-insurance-exchange-homeowners-1/ Thu, 08 Oct 2026 12:00:00 GMT Farmers Insurance Exchange asked California for a 7.0% homeowners rate increase, noticed Jan. 2, 2026. CDI approved 1.5% on May 11, 2026. https://filedrates.com/filings/ca-2025-california-automobile-homeowners-1/ https://filedrates.com/filings/ca-2025-california-automobile-homeowners-1/ Thu, 08 Oct 2026 12:00:00 GMT California Automobile Insurance Company asked for a 6.9% homeowners rate increase, noticed Oct. 3, 2025. CDI approved it as filed on June 2, 2026. https://filedrates.com/filings/ca-2025-csaa-insurance-exchange-ho3-1/ https://filedrates.com/filings/ca-2025-csaa-insurance-exchange-ho3-1/ Thu, 08 Oct 2026 12:00:00 GMT CSAA Insurance Exchange asked California for a 7% HO-3 homeowners rate increase, noticed Sept. 26, 2025. CDI approved 6.99% on Dec. 18, 2025. https://filedrates.com/filings/tx-2026-centauri-specialty-ho3-1/ https://filedrates.com/filings/tx-2026-centauri-specialty-ho3-1/ Wed, 07 Oct 2026 12:00:00 GMT Centauri Specialty filed a 17.0% average cut to its Texas HO-3 homeowners rates on Sept. 1, 2026. The Texas Department of Insurance has closed its review. https://filedrates.com/filings/tx-2026-aig-property-casualty-homeowners-1/ https://filedrates.com/filings/tx-2026-aig-property-casualty-homeowners-1/ Wed, 07 Oct 2026 12:00:00 GMT AIG Property Casualty asked Texas on Aug. 12, 2026 to raise rates 15.2% on average for its Private Client homeowners program. The filing is pending. https://filedrates.com/filings/ok-2026-american-strategic-homeowners-1/ https://filedrates.com/filings/ok-2026-american-strategic-homeowners-1/ Wed, 07 Oct 2026 12:00:00 GMT American Strategic's 54.3% average homeowners increase is the largest in Oklahoma's January-September 2026 rate report, effective Aug. 21, 2026. https://filedrates.com/filings/ok-2026-stillwater-homeowners-1/ https://filedrates.com/filings/ok-2026-stillwater-homeowners-1/ Wed, 07 Oct 2026 12:00:00 GMT Stillwater filed a 15.1% average Oklahoma homeowners increase, effective Feb. 13, 2026 for new policies. Its previous filing, in 2025, was a 0.4% decrease. https://filedrates.com/filings/ok-2025-central-insurance-homeowners-1/ https://filedrates.com/filings/ok-2025-central-insurance-homeowners-1/ Wed, 07 Oct 2026 12:00:00 GMT Central Insurance's 19.7% average homeowners increase is the second-largest in Oklahoma's January-September 2026 rate report. New policies from Dec. 1, 2025. https://filedrates.com/filings/ca-2024-state-farm-general-ho3-1/ https://filedrates.com/filings/ca-2024-state-farm-general-ho3-1/ Tue, 06 Oct 2026 12:00:00 GMT State Farm General asked California for a 30.0% homeowners (HO-3) rate increase in June 2024. The final order of July 23, 2026 approved 17.0%. https://filedrates.com/filings/tx-2026-texas-fair-plan-homeowners-1/ https://filedrates.com/filings/tx-2026-texas-fair-plan-homeowners-1/ Tue, 06 Oct 2026 12:00:00 GMT The Texas FAIR Plan filed a 2.6% average homeowners rate decrease on Feb. 23, 2026. Texas approved it May 20, 2026, effective Sept. 1, 2026. https://filedrates.com/filings/fl-2025-citizens-homeowners-1/ https://filedrates.com/filings/fl-2025-citizens-homeowners-1/ Tue, 06 Oct 2026 12:00:00 GMT Citizens asked Florida regulators on Dec. 12, 2025 to cut homeowners rates 5.5% on average. OIR set an 8.8% average decrease on March 2, 2026. https://filedrates.com/filings/tx-2025-texas-fair-plan-homeowners-1/ https://filedrates.com/filings/tx-2025-texas-fair-plan-homeowners-1/ Tue, 06 Oct 2026 12:00:00 GMT The Texas FAIR Plan filed a 10.8% average homeowners rate increase on Jan. 13, 2025. Texas approved it April 11, 2025, effective Aug. 1, 2025. https://filedrates.com/filings/fl-2024-citizens-homeowners-1/ https://filedrates.com/filings/fl-2024-citizens-homeowners-1/ Tue, 06 Oct 2026 12:00:00 GMT Citizens asked Florida regulators on June 27, 2024 to raise homeowners rates 13.5% on average. After a public hearing, OIR set a 6.6% increase.