Pending TDI reviewReceived Texas
State Farm Lloyds requests 4.0% homeowners rate increase in Texas
State Farm Lloyds filed for an estimated 4.0% overall increase for its Texas homeowners policies. The Texas Department of Insurance received the filing July 29, 2026 and lists it as pending. The effective dates are Sept. 1, 2026 for new policies and Nov. 1, 2026 for renewals. It is the first increase State Farm Lloyds has filed for these policies since a 0.9% increase in March 2025.
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 State Farm Lloyds' Texas homeowners policies: new policies from Sept. 1, 2026 and renewals from Nov. 1, 2026. TDI describes the 4.0% 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 or which policy forms it includes. State Farm Lloyds' manufactured home policies are filed separately and are not part of this filing.
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. It does not include the insurer's stated reasons for the change. The new-policy effective date has passed while TDI still lists the filing as pending; under Texas law an insurer may use a filed rate on and after the date it files it. The full filing is in SERFF Filing Access.
How this compares
State Farm Lloyds' previous filing with a rate change for these policies was a 0.9% increase, received March 13, 2025 and effective April 15, 2025 for new policies. Its last larger increase was 10.3%, received March 15, 2024. Filings received Sept. 15, 2023, Feb. 14, 2025, and Feb. 6, 2026 had no overall change. All of the earlier filings were closed after review.
| SERFF tracking number | Received | Effective, new policies | Overall change | TDI status |
|---|---|---|---|---|
| SFMA-135023749 (this filing) | July 29, 2026 | Sept. 1, 2026 | +4.0% | Pending |
| SFMA-134766973 | Feb. 6, 2026 | April 1, 2026 | 0.0% | Closed, reviewed |
| SFMA-134454688 | March 13, 2025 | April 15, 2025 | +0.9% | Closed, reviewed |
| SFMA-134410218 | Feb. 14, 2025 | May 1, 2025 | 0.0% | Closed, reviewed |
| SFMA-134018707 | March 15, 2024 | April 15, 2024 | +10.3% | Closed, reviewed |
| SFMA-133790675 | Sept. 15, 2023 | Oct. 15, 2023 | 0.0% | Closed, reviewed |
| SFMA-133764838 | Aug. 18, 2023 | Sept. 15, 2023 | +6.1% | Closed, reviewed |
| SFMA-133569736 | March 1, 2023 | April 15, 2023 | +7.6% | Closed, reviewed |
TDI counts manufactured home filings separately. State Farm Lloyds' most recent ones were a 19.1% increase received July 18, 2025 and a filing with no overall change received Feb. 6, 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. Fourteen of the increases were larger than this filing's 4.0%, 14 were smaller, and one other, Amica Mutual Insurance Company's filing received Sept. 17, 2026, was also 4.0%. The largest was AIG Property Casualty's 15.2%.
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 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 policies.
- TDI's data lists the filing as pending.
- Requested effective date for renewals.
Source documents
- TDI home and auto rate filings dataset, record SFMA-135023749
- TDI dataset, all records for State Farm Lloyds
- Home and auto rate filings (dataset description)