Pending TDI reviewReceived Texas
AIG Property Casualty requests 15.2% homeowners rate increase in Texas
AIG Property Casualty Company filed for an estimated 15.2% overall increase for its AIG Private Client Group homeowners program in Texas. The Texas Department of Insurance received the filing Aug. 12, 2026 and lists it as pending, with Jan. 17, 2027 as the effective date for new and renewal policies. It is the largest increase among this year's Texas homeowners filings in TDI's data.
By C. Zakarian, editor. Published
TDI review not yet complete. TDI's estimate of the overall impact on existing policyholders; individual premiums vary.
Who it affects
The filing covers AIG Property Casualty Company's Private Client Group homeowners program in Texas, for new and renewing policies from Jan. 17, 2027. TDI describes the 15.2% as the estimated overall impact on existing policyholders and notes that the impact on any policyholder can be higher or lower. TDI's data does not say how many policies the program covers.
What the record shows
TDI's public rate filing data lists each filing's company, program name, received date, estimated overall change, SERFF tracking number, effective dates, and review status. It does not include the insurer's stated reasons for the change. The full filing is in SERFF Filing Access.
How this compares
AIG Property Casualty's earlier Private Client Group homeowners filings in TDI's data include a 29.9% increase received July 30, 2024 and effective Dec. 1, 2024, and a 39.9% increase received April 17, 2023 and effective Dec. 1, 2023. Both were closed after review. A filing received April 3, 2024 had no overall change.
| SERFF tracking number | Received | Effective, new policies | Overall change | TDI status |
|---|---|---|---|---|
| APCG-135042985 (this filing) | Aug. 12, 2026 | Jan. 17, 2027 | +15.2% | Pending |
| APCG-134153328 | July 30, 2024 | Dec. 1, 2024 | +29.9% | Closed, reviewed |
| APCG-133879603 | April 3, 2024 | Nov. 15, 2026 | 0.0% | Closed, reviewed |
| APCG-133525940 | April 17, 2023 | Dec. 1, 2023 | +39.9% | Closed, reviewed |
TDI received 207 homeowners-category company filings from Jan. 1 through Oct. 6, 2026. TDI's homeowners category also includes some tenant and condominium filings, and a filing made for several companies appears once per company. Of the 81 with a non-zero overall change, 30 were increases and 51 were decreases. This filing's 15.2% is the largest of the 30 increases.
As of Oct. 7, 2026, FiledRates has published four Texas filings; see the Texas page for all of them.
What happens next
Most Texas homeowners insurers file under a file-and-use system: an insurer may use a rate on and after the date it files it. The commissioner must disapprove a filed rate that does not comply with the law by the earlier of its effective date or the 30th day after filing, and can extend that period once. A rate already in effect can be disapproved only after a hearing. TDI lists this filing as still under review; FiledRates will update this page when its status changes. More on the process is on our Texas page.
Timeline
- TDI receives the filing.
- TDI's data lists the filing as pending.
- Requested effective date for new and renewal policies.
Source documents
- TDI home and auto rate filings dataset, record APCG-135042985
- TDI dataset, all records for AIG Property Casualty Company
- Home and auto rate filings (dataset description)