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Central Insurance files 19.7% homeowners rate increase in Oklahoma

Central Insurance Company filed a homeowners rate change in Oklahoma with an overall rate impact of a 19.7% increase, according to the Oklahoma Insurance Department. The requested effective dates are Dec. 1, 2025 for new policies and Jan. 1, 2026 for renewals. It is the second-largest increase in the department's homeowners report for January through September 2026.

By C. Zakarian, editor. Published

Filed+19.7%

No approval decision applies. Oklahoma is use and file; this is the overall rate impact the department lists for the filing. Individual premiums vary.

Who it affects

The change applies to Central Insurance Company's homeowners policies in Oklahoma: new policies written from Dec. 1, 2025 and renewals from Jan. 1, 2026, the dates the company requested. The 19.7% is the overall rate impact across the policies the filing covers; individual policyholders' changes can be larger or smaller. The department's report does not say how many policies are affected or which policy forms the filing covers.

What the record shows

This filing appears with the same figures in both of the department's homeowners reports: the 2025 report and the January through September 2026 report. The reports list each filing's company, SERFF tracking number, requested effective dates, and overall rate impact, but not the insurer's stated reasons. The full filing is in SERFF Filing Access.

How this compares

Central Insurance's other homeowners filing in the department's reports, CEMC-134326302, had no overall rate change (0.0%) and was requested for new and renewal policies from March 1, 2025.

Central Insurance Company homeowners filings in OID's 2025 and 2026 reports (2 filings)
SERFF tracking numberEffective, new policiesEffective, renewalsOverall rate impact
CEMC-134658745 (this filing)Dec. 1, 2025Jan. 1, 2026+19.7%
CEMC-134326302March 1, 2025March 1, 20250.0%

The department's January through September 2026 homeowners report lists 82 company filings, 56 of them with a non-zero overall change: 40 increases and 16 decreases. This filing is the second-largest of the 40 increases, behind American Strategic's 54.3%. The median of the 56 non-zero changes is a 4.9% increase.

As of Oct. 7, 2026, this is one of three Oklahoma filings FiledRates has published; see the Oklahoma page for all of them.

What happens next

Oklahoma is a use-and-file state: insurers can use new rates before filing them and must file within 30 days after the effective date. The department says it cannot disapprove a rate for being too high in Oklahoma's competitive homeowners market; it can disapprove rates that are unfairly discriminatory or inadequate. From July 1, 2027, under House Bill 3781, rates must be filed 30 days before they take effect. More on the process is on our Oklahoma page.

Timeline

  1. Requested effective date for new policies.
  2. Requested effective date for renewals.

Source documents

  1. SERFF State Rate Change Report, Homeowners, Jan. 1 to Sept. 30, 2026Oklahoma Insurance Department. Row for CEMC-134658745 (page 1); totals computed from all rows. Accessed Oct. 7, 2026.
  2. SERFF State Rate Change Report, Homeowners, Jan. 1 to Dec. 31, 2025Oklahoma Insurance Department. Rows for CEMC-134658745 and CEMC-134326302 (page 1). Accessed Oct. 7, 2026.
  3. Property and casualty rate changesOklahoma Insurance Department. Description of the monthly reports. Accessed Oct. 7, 2026.

Related filings

Written by C. Zakarian, editor. Published .

Every figure on this page comes from the source documents listed above. Read how we report filings in our methodology and editorial policy, or report an error.