Latest homeowners insurance rate filings
Updated
Every homeowners rate filing FiledRates has reported, newest reports first. Each filing links to a full report with the source documents. Changes are overall averages reported in the filing or the regulator's order; individual premiums vary.
| 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 | |
| Integon National, OneChoice | California | +11.8% | +4.0% | Approved with changes | Decided June 4, 2026 | |
| Tower Hill Prime, manufactured home | Texas | −16.9% | n/a | Pending TDI review | Received Sept. 30, 2026 | |
| Farmers Insurance Exchange, homeowners | California | +7.0% | +1.5% | Approved with changes | Decided May 11, 2026 | |
| California Automobile Insurance Company, all programs | California | +6.9% | +6.9% | Approved as filed | Decided June 2, 2026 | |
| CSAA Insurance Exchange, HO-3 | California | +7.0% | +7.0% | Approved as filed | Decided Dec. 18, 2025 | |
| Centauri Specialty, HO-3 | Texas | −17.0% | n/a | Filed, TDI review closed | Received Sept. 1, 2026 | |
| AIG Property Casualty, Private Client homeowners | Texas | +15.2% | n/a | Pending TDI review | Received Aug. 12, 2026 | |
| American Strategic Insurance | Oklahoma | +54.3% | n/a | Filed (use and file) | Effective Aug. 21, 2026 | |
| Stillwater Insurance | Oklahoma | +15.1% | n/a | Filed (use and file) | Effective Feb. 13, 2026 | |
| Central Insurance | Oklahoma | +19.7% | n/a | Filed (use and file) | Effective Dec. 1, 2025 | |
| State Farm General, HO-3 | California | +30.0% | +17.0% | Approved with changes | Decided July 23, 2026 | |
| Texas FAIR Plan, homeowners | Texas | −2.6% | −2.6% | Approved as filed | Decided May 20, 2026 | |
| Citizens, homeowners multi-peril | Florida | −5.5% | −8.8% | Approved with changes | Decided March 2, 2026 | |
| Texas FAIR Plan, homeowners | Texas | +10.8% | +10.8% | Approved as filed | Decided April 11, 2025 | |
| Citizens, homeowners multi-peril | Florida | +13.5% | +6.6% | Approved with changes | Decided Feb. 6, 2025 |
About these filings
"Approved with changes" means the regulator approved or set a different rate than the insurer requested. "Approved as filed" means the regulator approved the requested change unchanged. "Filed" means no approval decision applies: the rate is in use under Oklahoma's use-and-file law, or the Texas Department of Insurance has closed its review of a file-and-use filing, and "Pending" means the regulator's review is not complete.
FiledRates publishes a filing report only when a primary source document, such as a regulator's order or the filing itself, confirms the requested or approved change and its dates. Read more in our methodology, or see how each state reviews rates on the states page.