Filed, TDI review closedReceived Texas
Centauri Specialty files 17.0% homeowners rate decrease in Texas
Centauri Specialty Insurance Company filed an estimated 17.0% overall decrease for its Texas HO-3 homeowners program. The Texas Department of Insurance received the filing Sept. 1, 2026 and has since closed it after review. The effective dates are Sept. 22, 2026 for new policies and Nov. 1, 2026 for renewals. The company's previous rate increase in Texas, filed in 2023, was 43.9%.
By C. Zakarian, editor. Published . Updated
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 Centauri Specialty Insurance Company's Texas HO-3 homeowners program, for new policies from Sept. 22, 2026 and renewals from Nov. 1, 2026. TDI describes the 17.0% 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.
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. TDI's data still listed this filing as pending on Oct. 10, 2026. By Oct. 15 it was 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
Centauri Specialty's previous Texas homeowners filing with a rate change was a 43.9% increase, received Oct. 13, 2023 and effective April 15, 2024 for new policies. A filing received March 24, 2026 had no overall change. Both were closed after review.
| SERFF tracking number | Received | Effective, new policies | Overall change | TDI status |
|---|---|---|---|---|
| CESP-135046010 (this filing) | Sept. 1, 2026 | Sept. 22, 2026 | −17.0% | Closed, reviewed |
| CESP-134782334 | March 24, 2026 | May 1, 2026 | 0.0% | Closed, reviewed |
| CESP-133795858 | Oct. 13, 2023 | April 15, 2024 | +43.9% | 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, 51 were decreases and 30 were increases. This filing's 17.0% is the third-largest of the 51 decreases.
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.
- Requested effective date for new policies.
- TDI's data lists the filing as pending.
- TDI's data lists the filing as closed after review. It was still pending on Oct. 10.
- Requested effective date for renewals.
Source documents
- TDI home and auto rate filings dataset, record CESP-135046010
- TDI dataset, all records for Centauri Specialty Insurance Company
- Home and auto rate filings (dataset description)
- How to find home and auto insurance rate filings