Filed, TDI review closedReceived Texas
Allstate Vehicle and Property files 8.0% homeowners rate increase in Texas
Allstate Vehicle and Property Insurance Company filed an estimated 8.0% overall increase for its Texas homeowners program. The Texas Department of Insurance received the filing Jan. 14, 2026 and closed it after review. The effective dates were Jan. 26, 2026 for new policies and March 12, 2026 for renewals. It is the program's sixth increase since 2023 in TDI's data.
By C. Zakarian, editor. Published
No approval decision applies. Texas is file and use, and TDI lists this filing as closed after review. The figure is TDI's estimate of the overall impact on existing policyholders; individual premiums vary.
Who it affects
The filing covers Allstate Vehicle and Property Insurance Company's Texas homeowners program, listed in TDI's data under the product name "AVPIC HO." It applies to new policies from Jan. 26, 2026 and renewals from March 12, 2026. TDI describes the 8.0% 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. The company's condominium program is filed separately.
What the record shows
TDI's public rate filing data lists each filing's company, product name, received date, estimated overall change, SERFF tracking number, effective dates, and review status. TDI lists this filing as closed with the closed type "Reviewed," which TDI defines as a filing it reviewed and closed. TDI's data does not give the closing date or the insurer's stated reasons for the change. The full filing is in SERFF Filing Access.
How this compares
This is the sixth increase for the company's homeowners program in TDI's data since 2023. The program's previous filing was a 4.0% increase received Feb. 19, 2025. The largest in this period was a 24.1% increase received Feb. 10, 2023. All of the earlier filings were closed after review.
| SERFF tracking number | Received | Effective, new policies | Overall change | TDI status |
|---|---|---|---|---|
| ALSE-134802108 (this filing) | Jan. 14, 2026 | Jan. 26, 2026 | +8.0% | Closed, reviewed |
| ALSE-134425865 | Feb. 19, 2025 | March 3, 2025 | +4.0% | Closed, reviewed |
| ALSE-134264980 | Sept. 27, 2024 | Oct. 14, 2024 | +6.7% | Closed, reviewed |
| ALSE-133994457 | Feb. 14, 2024 | Feb. 26, 2024 | +12.5% | Closed, reviewed |
| ALSE-133790449 | Aug. 22, 2023 | Sept. 4, 2023 | +5.8% | Closed, reviewed |
| ALSE-133555240 | Feb. 10, 2023 | Feb. 20, 2023 | +24.1% | Closed, reviewed |
| ALSE-133129911 | Jan. 28, 2022 | Feb. 14, 2022 | +4.5% | Closed, reviewed |
The company also appears on filings made jointly with other Allstate companies. Those received from December 2025 through June 2026 had no overall change. In 2026, the other Allstate-named companies' Texas homeowners filings in TDI's data also had no overall change, apart from an 8.7% manufactured home increase filed by Allstate Indemnity Company and received April 7, 2026.
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 8.0% is the fifth-largest of the 30 increases. The four larger ones were AIG Property Casualty's 15.2%, Berkley Insurance Company's 14.9%, and 8.5% each for USAA Casualty Insurance Company and Garrison Property and Casualty Insurance Company, which were part of one USAA filing.
As of Oct. 15, 2026, FiledRates has published nine 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 has closed its review of this filing. More on the process is on our Texas page.
Timeline
- TDI receives the filing.
- Effective date for new policies.
- Effective date for renewals.
- TDI's data lists the filing as closed after review. It does not give the closing date.
Source documents
- TDI home and auto rate filings dataset, record ALSE-134802108
- TDI dataset, all records for Allstate Vehicle and Property Insurance Company
- Home and auto rate filings (dataset description)
- How to find home and auto insurance rate filings