Approved as filedClosed California
California approves 35.0% homeowners rate increase for Cincinnati Insurance
The Cincinnati Insurance Company asked California regulators for a 35.0% average homeowners rate increase. The California Department of Insurance (CDI) gave public notice of the filing on Sept. 5, 2025 and closed it as approved at 35.0% on March 10, 2026. It is the largest approved homeowners increase in CDI's 2026 list so far. A new 4.2% request from the company was noticed on Sept. 11, 2026.
By C. Zakarian, editor. Published
Approved exactly as filed. Overall average increase; individual premiums vary.
Who it affects
The filing covers The Cincinnati Insurance Company's homeowner program in California. The 35.0% is an overall average. Individual policyholders' changes can be larger or smaller. CDI's lists do not give the number of policies covered or the date the new rates take effect.
CDI noticed a companion forms filing for the same program (file 25-1760) on the same day; it did not change rates and closed March 28, 2026.
What the record shows
CDI's weekly public notices list each new filing's company, program, filing type, and requested overall change. Its closed-filings lists add the approved change, the outcome, and the date CDI closed the filing. Neither gives the insurer's stated reasons for the change; those are in the full filing on SERFF Filing Access.
How this compares
Cincinnati's previous homeowners rate filing in CDI's lists, file 22-684, was approved at 6.9% as requested and closed Dec. 20, 2023. Since this filing, the company has filed again: CDI's Sept. 11, 2026 public notice lists file 26-1621, a 4.2% requested increase for the same program, which had not been closed as of CDI's Sept. 30, 2026 list.
| CDI file | Program | Requested | Approved | Status |
|---|---|---|---|---|
| 26-1621 | Homeowner | +4.2% | n/a | Noticed Sept. 11, 2026; not yet closed |
| 25-1759 (this filing) | Homeowner | +35.0% | +35.0% | Approved, closed March 10, 2026 |
| 22-684 | Var. 7A, 8A, Homeowners | +6.9% | +6.9% | Approved, closed Dec. 20, 2023 |
Across California, CDI's list of filings closed from Jan. 2 to Sept. 30, 2026 includes 19 personal homeowners company filings approved with a non-zero overall change, all of them increases, with a median of 6.9%. This filing's 35.0% is the largest of the 19. The next largest were State Farm General's rental dwelling filing at 32.8% and ASI Select Insurance Corp.'s at 31.9%. CDI's homeowners line also includes renters, condominium, and rental dwelling programs.
As of Oct. 10, 2026, FiledRates has published six California filings. See the California page for all of them, and our analysis of California's homeowners rate decisions from 2023 to 2026.
What happens next
CDI's list shows this filing closed as approved on March 10, 2026, so its review is complete. The company's newer 4.2% request is a separate filing that CDI has not yet closed. California reviews homeowners rates under prior approval: under Proposition 103, the Insurance Commissioner must approve a rate before an insurer uses it. More on the process is on our California page.
Timeline
- CDI gives public notice of the filing, with a 35% requested increase.
- CDI closes the filing as approved at 35%.
- CDI gives public notice of a new 4.2% request from the company (file 26-1621).
Source documents
- Rate Filing Closed and Approved Filings, year to date through Sept. 30, 2026 (spreadsheet)
- Public notice of rate filings, Sept. 5, 2025 (spreadsheet)
- Public notice of rate filings, Sept. 11, 2026 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2023 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2025 (spreadsheet)