Texas homeowners insurance rate filings
Updated
FiledRates tracks nine Texas homeowners rate filings: two from the Texas FAIR Plan, approved by the commissioner; two that TDI closed after review, Allstate Vehicle and Property's 8.0% increase and Centauri Specialty's 17.0% decrease; and five pending filings from private insurers, including State Farm Lloyds' 4.0% increase and Tower Hill Prime's homeowners and manufactured home programs. Texas regulates homeowners rates through the Texas Department of Insurance (TDI), mostly under a file-and-use system.
| Filing | Requested or filed | Approved | Change | Status | Received |
|---|---|---|---|---|---|
| State Farm Lloyds, homeowners | +4.0% | Pending | Pending TDI review | July 29, 2026 | |
| Allstate Vehicle and Property, homeowners | +8.0% | n/a | Filed, TDI review closed | Jan. 14, 2026 | |
| Incline National, homeowners | −10.0% | Pending | Pending TDI review | Sept. 23, 2026 | |
| Tower Hill Prime, manufactured home | −16.9% | Pending | Pending TDI review | Sept. 30, 2026 | |
| Tower Hill Prime, homeowners | −9.2% | Pending | Pending TDI review | Sept. 23, 2026 | |
| Centauri Specialty, HO-3 | −17.0% | n/a | Filed, TDI review closed | Sept. 1, 2026 | |
| AIG Property Casualty, Private Client homeowners | +15.2% | Pending | Pending TDI review | Aug. 12, 2026 | |
| Texas FAIR Plan, homeowners | −2.6% | −2.6% | Approved as filed, May 20, 2026 | Feb. 23, 2026 | |
| Texas FAIR Plan, homeowners | +10.8% | +10.8% | Approved as filed, April 11, 2025 | Jan. 13, 2025 |
Texas homeowners filings in 2026 so far
TDI publishes every home and auto rate filing in an open dataset. From Jan. 1 through Oct. 6, 2026, TDI received 207 homeowners-category company filings. A filing made for several companies appears once per company, and TDI's homeowners category also includes some tenant and condominium filings.
| Measure | Value |
|---|---|
| Company filings received | 207 |
| With a non-zero overall change | 81 |
| Increases | 30 |
| Decreases | 51 |
| Median non-zero change | −1.3% |
| Largest increase | +15.2% (AIG Property Casualty) |
| Largest decrease | −29.7% (Vault Reciprocal Exchange) |
Source: TDI home and auto rate filings dataset, homeowners subtype, received dates Jan. 1 to Oct. 6, 2026. Computed by FiledRates on Oct. 7, 2026.
TDI counts manufactured home filings separately, as a mobile homeowners subtype. It received 17 of them from Jan. 1 through Sept. 30, 2026. Of the 11 with a non-zero overall change, 9 were decreases and 2 were increases. The largest decrease was Tower Hill Prime’s 16.9%, and the largest increase was Allstate Indemnity Company’s 8.7%.
Source: TDI dataset, mobile homeowners records, received Jan. 1 to Sept. 30, 2026. Computed by FiledRates on Oct. 8, 2026.
Four years of these filings, and which of the largest insurers raised or cut rates in 2026, are in our analysis Texas homeowners rate cuts now outnumber increases.
How Texas reviews homeowners rates
Most Texas homeowners insurers file rates under a file-and-use system in Chapter 2251 of the Texas Insurance Code: 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 review once. A rate already in effect can be disapproved only after a hearing.
The Texas FAIR Plan Association, which provides residential property insurance in underserved areas, is excluded from that chapter. It files proposed rates that the commissioner must approve or disapprove under Insurance Code Section 2211.056.
TDI reported that of 2,078 property and casualty rate filings it reviewed in 2025, 126 were withdrawn, 81 were rejected for technical reasons, none were disapproved, and 1,871 were allowed to stand or approved.
Insurers with Texas filings on FiledRates
- Texas Fair Access to Insurance Requirements Plan Association (Texas FAIR Plan): 2026 filing and 2025 filing
- AIG Property Casualty Company: 2026 Private Client homeowners filing
- Allstate Vehicle and Property Insurance Company: 2026 homeowners filing
- Centauri Specialty Insurance Company: 2026 HO-3 filing
- Incline National Insurance Company: 2026 homeowners filing
- State Farm Lloyds: 2026 homeowners filing
- Tower Hill Prime Insurance Company: 2026 homeowners filing and 2026 manufactured home filing
How to look up Texas filings yourself
TDI's home and auto insurance rate filings search shows each filing's received date, overall percent change, SERFF ID, effective dates, and status. The same data is in the open dataset, updated daily. Full filing documents are on SERFF Filing Access, linked from TDI's SERFF page.
Sources: Texas Insurance Code Chapter 2251; TDI Order No. 2026-9939; TDI property and casualty rate review report. See also all tracked states.