Pending TDI reviewReceived Texas
Tower Hill Prime requests 16.9% manufactured home rate decrease in Texas
Tower Hill Prime Insurance Company filed an estimated 16.9% overall decrease for its Texas manufactured home insurance program. The Texas Department of Insurance received the filing Sept. 30, 2026 and lists it as pending. The effective dates are Nov. 1, 2026 for new policies and Dec. 23, 2026 for renewals. It is the largest decrease among the manufactured home filings TDI has received in 2026.
By C. Zakarian, editor. Published . Updated
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 manufactured home program in Texas, for new policies from Nov. 1, 2026 and renewals from Dec. 23, 2026. TDI describes the 16.9% 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.
Tower Hill Prime also has a separate pending filing for its Texas homeowners program, received Sept. 23, 2026, with an estimated 9.2% overall decrease and 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 manufactured home rates in Texas rose in each of its filings from 2022 to 2024, including a 49.9% increase received Sept. 4, 2024. Of its five manufactured home filings received in 2025, four had no overall change (one of them withdrawn) and one was a 0.1% increase. Two filings received July 30, 2026 were decreases of 2.0% and 0.3%. This filing is the company's largest manufactured home decrease in TDI's data, which includes its filings since 2017.
| SERFF tracking number | Received | Effective, new policies | Overall change | TDI status |
|---|---|---|---|---|
| THSP-135093280 (this filing) | Sept. 30, 2026 | Nov. 1, 2026 | −16.9% | Pending |
| THSP-135030090 | July 30, 2026 | Oct. 16, 2026 | −2.0% | Closed, reviewed |
| THSP-135030078 | July 30, 2026 | Oct. 16, 2026 | −0.3% | Closed, reviewed |
| THSP-134778584 | Dec. 22, 2025 | Feb. 15, 2026 | +0.1% | Closed, reviewed |
| THSP-134227576 | Sept. 4, 2024 | Oct. 28, 2024 | +49.9% | Closed, reviewed |
| THSP-133766283 | Aug. 14, 2023 | Oct. 1, 2023 | +33.3% | Closed, reviewed |
| THSP-133320003 | July 19, 2022 | Sept. 1, 2022 | +16.8% | Closed, reviewed |
TDI received 17 manufactured home filings (its mobile homeowners subtype) from Jan. 1 through Sept. 30, 2026, the latest received date in its data on Oct. 8. Of the 11 with a non-zero overall change, 9 were decreases and 2 were increases. This filing's 16.9% is the largest of the 9 decreases; the next largest is Homebound Insurance Exchange's 14.0%, received June 24, 2026. The two increases were Allstate Indemnity Company's 8.7% and Markel American Insurance Company's 7.2%.
As of Oct. 8, 2026, FiledRates has published five Texas filings, and this is the first for a manufactured home program. 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.
- Corrected: TDI's data on the company starts in 2017, not 2018 as this report first said. The comparison is otherwise unchanged.
- Requested effective date for new policies.
- Requested effective date for renewals.
Source documents
- TDI home and auto rate filings dataset, record THSP-135093280
- TDI dataset, all records for Tower Hill Prime Insurance Company
- TDI dataset, all mobile homeowners records
- Home and auto rate filings (dataset description)