Approved with changesClosed California
California approves 4.0% homeowners rate increase for Integon National
Integon National Insurance Company asked California regulators for an 11.8% average rate increase for its OneChoice homeowners program. The California Department of Insurance (CDI) gave public notice of the filing on Oct. 3, 2025 and closed it as approved at 4.0% on June 4, 2026, 7.8 points below the request.
By C. Zakarian, editor. Published
Approved 7.8 points below the request. Overall average increases; individual premiums vary.
Who it affects
The filing covers Integon National Insurance Company's OneChoice homeowners program in California. The 4.0% 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.
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
Integon National's only earlier homeowners rate filing in CDI's lists for 2023 to 2026 was also for the OneChoice program: file 23-564, approved at 6.68% as requested and closed Sept. 3, 2024. CDI's lists also show form and rule filings for the program, which did not change rates.
| CDI file | Program | Requested | Approved | Closed |
|---|---|---|---|---|
| 25-2008 (this filing) | OneChoice | +11.8% | +4.0% | June 4, 2026 |
| 23-564 | OneChoice | +6.68% | +6.68% | Sept. 3, 2024 |
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%. Nine were approved below the request. This filing's 7.8-point cut is the fourth largest of those nine, after Spinnaker Insurance Company (30% requested, 10% approved), State Farm General's HO-3 filing (30%, 17%), and ASI Select Insurance Corp. (40%, 31.9%). Its 4.0% approved increase ranks 15th of the 19. CDI lists a filing made for several companies once per company, and its homeowners line also includes renters, condominium, and rental dwelling programs.
As of Oct. 9, 2026, FiledRates has published five 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 June 4, 2026, so the review is complete. California reviews homeowners rates under prior approval: under Proposition 103, the Insurance Commissioner must approve a rate before an insurer uses it. The date the approved rates take effect is in the filing on SERFF Filing Access. More on the process is on our California page.
Timeline
- CDI gives public notice of the filing, with an 11.8% requested increase.
- CDI closes the filing as approved at 4.0%.
Source documents
- Rate Filing Closed and Approved Filings, year to date through Sept. 30, 2026 (spreadsheet)
- Public notice of rate filings, Oct. 3, 2025 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2025 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2024 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2023 (spreadsheet)