Pending TDI reviewReceived Texas
Incline National requests 10.0% homeowners rate decrease in Texas
Incline National Insurance Company filed an estimated 10.0% overall decrease for its Texas homeowners program. The Texas Department of Insurance received the filing Sept. 23, 2026 and lists it as pending, with Sept. 25, 2026 as the effective date for new and renewal policies. Its only earlier Texas homeowners filing in TDI's data, received in April 2026, had no overall change.
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 Incline National Insurance Company's homeowners policies in Texas, new and renewing, from Sept. 25, 2026. TDI describes the 10.0% 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 filing 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
TDI's data lists one earlier Texas homeowners filing from Incline National: PERR-134908694, received April 30, 2026, with no overall change and an effective date of Sept. 3, 2026. It was closed after review. This 10.0% decrease is the company's first filing in TDI's data that changes its overall rate.
| SERFF tracking number | Received | Effective, new policies | Overall change | TDI status |
|---|---|---|---|---|
| PERR-135100685 (this filing) | Sept. 23, 2026 | Sept. 25, 2026 | −10.0% | Pending |
| PERR-134908694 | April 30, 2026 | Sept. 3, 2026 | 0.0% | Closed, reviewed |
TDI received 207 homeowners-category company filings from Jan. 1 through Sept. 30, 2026, the latest received date in its data on Oct. 10. 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 10.0% is tied with two other filings for the fifth-largest of the 51 decreases.
As of Oct. 10, 2026, FiledRates has published seven 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.
- Requested effective date for new and renewal policies.
- TDI's data lists the filing as pending.
Source documents
- TDI home and auto rate filings dataset, record PERR-135100685
- TDI dataset, all records for Incline National Insurance Company
- Home and auto rate filings (dataset description)