Pending TDI reviewReceived Texas
Tower Hill Prime requests 9.2% homeowners rate decrease in Texas
Tower Hill Prime Insurance Company filed an estimated 9.2% overall decrease for its Texas homeowners program. The Texas Department of Insurance received the filing Sept. 23, 2026 and lists it as pending. The effective dates are Nov. 1, 2026 for new policies and Dec. 24, 2026 for renewals. A week later the company filed a separate 16.9% decrease for its manufactured home program.
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 Tower Hill Prime Insurance Company's homeowners program in Texas, for new policies from Nov. 1, 2026 and renewals from Dec. 24, 2026. TDI describes the 9.2% 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.
The company's manufactured home filing, received Sept. 30, 2026, asks for a 16.9% decrease with the same Nov. 1, 2026 effective date for new policies.
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
Tower Hill Prime's homeowners program had large increases in TDI's data before 2025: 30.7% in a filing received Dec. 28, 2022, 19.8% in August 2023, and 29.3% in September 2024. Its filings since then have been close to zero, and four had no overall change, one of them withdrawn. Apart from the company's 16.9% manufactured home filing a week later, this 9.2% decrease is its largest in TDI's data, which includes its filings since 2017. The next largest was a 4.8% decrease for its HO-3 program in 2019. Its separate Homeowners Builder program had increases of 19.7% and 34.5% in 2023 and 41.5% in 2024.
| SERFF tracking number | Received | Effective, new policies | Overall change | TDI status |
|---|---|---|---|---|
| THSP-135096692 (this filing) | Sept. 23, 2026 | Nov. 1, 2026 | −9.2% | Pending |
| THSP-135030084 | July 30, 2026 | Oct. 16, 2026 | −0.8% | Closed, reviewed |
| THSP-134776193 | Dec. 22, 2025 | Feb. 15, 2026 | +0.1% | Closed, reviewed |
| THSP-134464408 | March 27, 2025 | Aug. 1, 2025 | +0.2% | Closed, reviewed |
| THSP-134229560 | Sept. 4, 2024 | Oct. 28, 2024 | +29.3% | Closed, reviewed |
| THSP-133796870 | Aug. 31, 2023 | Oct. 15, 2023 | +19.8% | Closed, reviewed |
| THSP-133465024 | Dec. 28, 2022 | Jan. 1, 2023 | +30.7% | 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. 9. 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 9.2% is the 10th-largest of the 51 decreases.
As of Oct. 9, 2026, FiledRates has published six 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 policies.
- Requested effective date for renewals.
Source documents
- TDI home and auto rate filings dataset, record THSP-135096692
- TDI dataset, all records for Tower Hill Prime Insurance Company
- Home and auto rate filings (dataset description)