Filed, use and fileNew policies from Oklahoma
Stillwater files 15.1% homeowners rate increase in Oklahoma
Stillwater Insurance Company filed a homeowners rate change in Oklahoma with an overall rate impact of a 15.1% increase, according to the Oklahoma Insurance Department. The requested effective dates are Feb. 13, 2026 for new policies and March 20, 2026 for renewals. Its previous Oklahoma homeowners filing, in 2025, was a 0.4% decrease.
By C. Zakarian, editor. Published
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 Stillwater Insurance Company's homeowners policies in Oklahoma: new policies written from Feb. 13, 2026 and renewals from March 20, 2026, the dates the company requested. The 15.1% 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
The Oklahoma Insurance Department's report lists each filing's company, SERFF tracking number, requested effective dates, and overall rate impact. It does not include the insurer's stated reasons for the change. The full filing is in SERFF Filing Access.
How this compares
Stillwater's previous homeowners filing in the department's reports, FDLY-134490633, was a 0.4% decrease requested for new policies from June 2, 2025 and renewals from June 13, 2025. This filing is 15.5 percentage points higher.
| SERFF tracking number | Effective, new policies | Effective, renewals | Overall rate impact |
|---|---|---|---|
| FDLY-134806841 (this filing) | Feb. 13, 2026 | March 20, 2026 | +15.1% |
| FDLY-134490633 | June 2, 2025 | June 13, 2025 | −0.4% |
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 fifth-largest of the 40 increases. 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
- Requested effective date for new policies.
- Requested effective date for renewals.
Source documents
- SERFF State Rate Change Report, Homeowners, Jan. 1 to Sept. 30, 2026
- SERFF State Rate Change Report, Homeowners, Jan. 1 to Dec. 31, 2025
- Property and casualty rate changes