Product background
Homeowners insurance packages dwelling, appurtenant structure, personal property, additional living expense, and personal liability coverage for owner-occupied, condominium, tenant, mobile home, and related personal residential risks.
Homeowners filings reveal how carriers handle property coverage, personal liability, declarations, deductible schedules, roof and cosmetic damage terms, water backup, catastrophe perils, animal liability, notices, and state amendments.
Common filing signals
- Homeowners policy forms, declarations, coverage selection forms, and state amendments
- Water backup, roof, windstorm, hail, hurricane, earthquake, replacement cost, and loss settlement endorsements
- Animal liability, personal injury, business activity, ordinance or law, cancellation, and nonrenewal notices
Rate impact
Filings
1,742
Carriers
172
Avg impact
+4.0%
Max increase
+238.0%
Max decrease
-36.1%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| AZ | 94 | +3.3% |
| TX | 91 | -0.9% |
| WI | 66 | +5.4% |
| IL | 64 | +4.1% |
| IN | 63 | +3.7% |
| TN | 60 | +3.5% |
| MO | 55 | +5.6% |
| PA | 55 | +2.9% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Hawaii Property Insurance Association1 states | +238.0% | 1 |
| Hawaii Insurance Bureau, Inc.1 states | +71.0% | 1 |
| The Farmers Fire Insurance Company1 states | +18.9% | 2 |
| Nazareth Mutual Insurance Company1 states | +18.5% | 2 |
| Federated Mutual Group1 states | +17.5% | 1 |
| Kemper Corporation Group1 states | +16.7% | 1 |
| 05-057 Vasa-Spring Garden Mutual Insurance Company1 states | -15.0% | 1 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jan 16, 2026 | Hawaii Property Insurance Association | HI | Ho-6 Non Lava Expansion | +238.0% | +313.0% |
| Sep 15, 2026 | Hawaii Insurance Bureau, Inc. | HI | Homeowners | +71.0% | n/a |
| Mar 27, 2026 | Auto Club Enterprises Insurance Group | HI | Hawaii Homeowners | +66.8% | +80.0% |
| Jul 16, 2026 | United Services Automobile Assn Group | HI | Renters | +65.0% | +67.2% |
| Jul 16, 2026 | United Services Automobile Assn Group | HI | Renters | +59.0% | +59.6% |
| Feb 26, 2026 | Nationwide Corporation Group | NC | Homeowners | +55.2% | +55.2% |
| Feb 26, 2026 | Nationwide Corporation Group | NC | Homeowners | +55.2% | +55.2% |
| Feb 26, 2026 | Nationwide Corporation Group | NC | Homeowners | +55.2% | +55.2% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Homeowners | Farmers Insurance Group | Revised | 158 | Sep 15, 2026 |
| Manufactured Home Program | Farmers Insurance Group | Revised | 122 | Sep 15, 2026 |
| Manufactured Home Program | Munich RE Group | Revised | 40 | Sep 15, 2026 |
| AI Mfh | Allstate Insurance Group | Revised | 22 | Sep 15, 2026 |
| Texas Homeowners Program | Homeowners of America Insurance Company | Revised | 22 | Sep 15, 2026 |
| AI Ho | Allstate Insurance Group | Revised | 19 | Sep 15, 2026 |
Top carriers
Allstate Insurance Group931
Farmers Insurance Group530
Liberty Mutual Group528
Assurant Incorporated Group307
American Family Insurance Group237
WT Holdings Group198
Erie Insurance Group187
Chubb Limited Group180
Top states
TX516
WI320
AZ315
CT283
IL273
IN262
KY232
GA221