Public index
The US Homeowners Rate-Filing Index
A standing public record of homeowners rate-filing activity across the state insurance portals: what carriers are filing, what their actuaries calculate the rates should be, and where policies are not renewed. Data as of 2026-07-09.
Four numbers from the current data.
The gap between the rate increase Pacific Specialty's actuaries indicated (+41.9%) and the increase the carrier requested (+6.8%) in its California homeowners filing.
PERR-134651358 · prior-approval rate application, p. 4 · as of 2026-07-09 #q-spreadHomeowners-line filings open on state insurance portals across 48 states; 350 carry a rate or rate/rule schedule.
SERFF Filing Access + FL OIR portals · retrieved 2026-07-09 #q-filingsHomeowners of America's own rate indication in its Texas homeowners filing. The carrier requested 0.0%.
HAIC-135002705 · Exhibit1_FilingMemo_.pdf, p. 1 · as of 2026-07-09 #q-negativeHomeowner policies non-renewed in Highlands County, FL in 2023, the highest rate among US counties with more than 5,000 policies in force.
US Senate Budget Committee data, 2023 · county_nonrenewal #q-nonrenewalWhat carriers request vs what their actuaries indicate.
A rate filing states two numbers. The indicated change is what the carrier's actuarial analysis says the rate level should move. The requested change is what the carrier asks the regulator to act on. The distance between them, the spread, is rate pressure the filing did not pass through, and it runs in both directions.
| Filing | SERFF # | Requested | Indicated | Spread (pts) | Source document |
|---|---|---|---|---|---|
| Pacific Specialty · CA homeowners | PERR-134651358 | +6.8% | +41.9% | +35.1 | prior-approval rate application, p. 4 (California DOI prior-approval filing) |
| Stillwater Insurance · CA homeowners | FDLY-134438498 | +12.4% | +31.4% | +19.0 | prior-approval rate application, p. 4 (California DOI prior-approval filing) |
| Aegis Security (MissionSelect) · TX homeowners | AEGS-134534184 | +9.5% | +18.2% | +8.7 | actuarial memorandum, p. 1 (SERFF filing, Texas DOI) |
| Mercury (CAIC) · CA homeowners | MERY-134635211 | +6.9% | +12.4% | +5.5 | filing memorandum, p. 1 (California DOI prior-approval filing) |
| Homeowners of America (HAIC) · TX homeowners | HAIC-135002705 | 0.0% | -17.2% | -17.2 | Exhibit1_FilingMemo_.pdf, p. 1 (SERFF Filing Access) |
The HAIC row runs the other direction. Homeowners of America's Texas filing states an indicated change of -17.2% alongside a requested change of 0.0%: the carrier's own rate-need calculation says current rates sit 17.2% above the indicated level, and the filing asks to keep them where they are. An indication is an actuarial estimate, and carriers weigh rate stability, data credibility, and reinsurance costs when setting a request; the filing memorandum is the authoritative context. The spread field records the gap either way: increases a carrier did not request, and decreases it did not pass through.
827 homeowners filings open across 48 states.
Of the filings open as of 2026-07-09, 350 carry a rate or rate/rule schedule, filed under 250 distinct carrier names. Counts by state below.
| State | Filings | Rate-carrying | Share of largest |
|---|---|---|---|
| CA | 89 | 7 | |
| TX | 67 | 29 | |
| WI | 50 | 34 | |
| MI | 37 | 16 | |
| MD | 35 | 9 | |
| CT | 30 | 16 | |
| OR | 29 | 10 | |
| FL | 27 | 27 | |
| IN | 26 | 9 | |
| IL | 25 | 11 | |
| UT | 25 | 10 | |
| ID | 24 | 7 | |
| AZ | 23 | 8 | |
| TN | 23 | 14 | |
| AR | 21 | 12 | |
| VA | 21 | 16 | |
| WA | 21 | 6 | |
| NC | 20 | 4 | |
| GA | 17 | 10 | |
| KS | 16 | 7 | |
| KY | 16 | 8 | |
| NV | 14 | 4 | |
| OK | 14 | 3 | |
| VT | 13 | 4 | |
| AL | 11 | 6 | |
| MO | 11 | 5 | |
| PA | 11 | 7 | |
| NE | 10 | 6 | |
| NJ | 9 | 5 | |
| NM | 8 | 4 | |
| SD | 8 | 4 | |
| CO | 7 | 2 | |
| ME | 7 | 1 | |
| RI | 7 | 5 | |
| MN | 6 | 6 | |
| MS | 6 | 2 | |
| ND | 6 | 3 | |
| WY | 6 | 0 | |
| OH | 5 | 1 | |
| DE | 4 | 1 | |
| HI | 4 | 3 | |
| MA | 4 | 3 | |
| MT | 4 | 3 | |
| SC | 4 | 0 | |
| IA | 2 | 0 | |
| WV | 2 | 1 | |
| NH | 1 | 0 | |
| NY | 1 | 1 | |
| Total · 48 states | 827 | 350 |
Filings open on the SERFF Filing Access and Florida OIR portals for homeowners lines, as retrieved on 2026-07-09. Rate-carrying counts filings whose type includes a rate schedule (rate, rate/rule, and variants).
Where homeowner policies were not renewed.
Rate filings show where pricing is heading; non-renewal data shows where carriers are already stepping back. The ten counties below had the highest carrier-initiated non-renewal rates in 2023 among counties with more than 5,000 policies in force.
| # | County | State | Non-renewal rate | Policies non-renewed | Policies in force |
|---|---|---|---|---|---|
| 1 | Highlands | FL | 9.14% | 767 | 8,390 |
| 2 | Lake | CA | 7.56% | 954 | 12,619 |
| 3 | Wayne | NC | 7.39% | 452 | 6,115 |
| 4 | Calaveras | CA | 6.77% | 672 | 9,931 |
| 5 | Plumas | CA | 6.60% | 417 | 6,315 |
| 6 | Nevada | CA | 6.51% | 1,430 | 21,958 |
| 7 | Barnstable | MA | 6.39% | 1,708 | 26,750 |
| 8 | Tuolumne | CA | 6.10% | 872 | 14,298 |
| 9 | Jackson | MS | 5.55% | 788 | 14,191 |
| 10 | Amador | CA | 5.42% | 422 | 7,779 |
Carrier-initiated homeowner non-renewals as a share of policies in force, 2023, from the US Senate Budget Committee insurance data call (see sources below). Counties with 5,000 or fewer policies in force are excluded so small books do not dominate the ranking.
Sources and method.
Each requested and indicated value was read from the carrier's filing documents and verified against the cited page before publication. Requested, indicated, and approved values are distinct fields; none of these filings carries an approved value yet.
PERR-134651358· Pacific Specialty · CA homeowners · prior-approval rate application, p. 4 · California DOI prior-approval filingFDLY-134438498· Stillwater Insurance · CA homeowners · prior-approval rate application, p. 4 · California DOI prior-approval filingAEGS-134534184· Aegis Security (MissionSelect) · TX homeowners · actuarial memorandum, p. 1 · SERFF filing, Texas DOIMERY-134635211· Mercury (CAIC) · CA homeowners · filing memorandum, p. 1 · California DOI prior-approval filingHAIC-135002705· Homeowners of America (HAIC) · TX homeowners · Exhibit1_FilingMemo_.pdf, p. 1 · SERFF Filing Access · portal record
Filing metadata comes from the NAIC's SERFF Filing Access system (filingaccess.serff.com) for 49 states plus DC and from the Florida OIR filing search (irfssearch.floir.gov), retrieved 2026-07-09. Collection details are on the methodology page.
County non-renewal rates are from the US Senate Budget Committee's homeowners insurance data call (2018–2023), as published in the committee's December 2024 report data (dataset copy). County-year records appear as published there, with the same provenance URL.
Source: ratefeed.io analysis of state insurance department filings. Numbers on this page reflect the live database as of 2026-07-09. Each stat callout above has a stable anchor link for citation. If you find an error, write to hello@ratefeed.io; confirmed data errors are corrected within 24 hours and logged on the methodology page.