The Tennessee Department of Commerce and Insurance monthly homeowners-rate table, current as of June 2026 and last updated August 4, 2026, at 8:56 a.m., lists The Celina Mutual Insurance Company, NAIC company code 20176, SERFF tracking number CEIN-134915668, type of coverage 04.0000 Homeowners Sub-TOI Combinations, disposition date 04/30/2026, overall rate impact -3.700 %, maximum rate impact 0.300 %, minimum rate impact -16.700 %, and 2709 policies affected. TDCI publishes that table “to help consumers better understand and compare rate changes among insurers.”
A filed decrease is not a guarantee that every policy goes down. The same public row allows a 0.300 % increase at the top of the range and a 16.700 % decrease at the bottom. The overall -3.700 % is a book-level average, not a household invoice.
This is not the Aug. 15 filing that posted a 6% overall homeowners decrease (individual changes from a 22.7% decrease to a 14.1% increase). It is also not the Erie 10% homeowners increase for Dec. 1 renewals or the Lemonade 10% homeowners filing already on this blog. Different carriers. Different SERFF numbers.
This article is informational only. It does not promise that any policy will move -3.700 %, 0.300 %, or -16.700 %, that Celina Mutual writes a reader’s house or will offer a quote in East Tennessee, or that coverage or eligibility will change.
What numbers did TDCI post for The Celina Mutual Insurance Company?
TDCI’s monthly homeowners-rate page is built from SERFF filings. The live DataTable JSON behind that page is the source of every Celina figure in this post. The date on the row is a disposition date — 04/30/2026 — not a printed new-business or renewal effective date. If a renewal notice or the SERFF exhibits state a date, that document controls.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Max | Min | Policies |
|---|---|---|---|---|---|---|---|---|
| The Celina Mutual Insurance Company | 20176 | CEIN-134915668 | 04.0000 Homeowners Sub-TOI Combinations | 04/30/2026 | -3.700 % | 0.300 % | -16.700 % | 2709 |
A separate row on the same June 2026 table lists The Cincinnati Insurance Company, SERFF CNNB-134761578, at an overall 5.545 % — a different company and a different SERFF number, not this filing.
Nothing on this table says every one of the 2709 policies moves the same amount, and nothing on this table names an East Tennessee ZIP code or a dollar premium.
Does a -3.700% overall decrease mean every Celina homeowners policy goes down 3.7%?
No. The overall percentage is an average for the book TDCI l isted. The same filing posts a 0.300 % ceiling and a -16.700 % floor. A policy can land anywhere inside that range. A 3.7% decrease headline that still allows a 0.300 % increase is the reason to read the state’s table instead of a marketing email.
Do not round the three-decimal figures. TDCI printed -3.700 %, 0.300 %, and -16.700 %. Compute the percent from the two premiums on paper, then read it against those three printed numbers.
TDCI’s table does not print, for this row, which rating variables moved. Territory, insurance score, dwelling limit, roof age and material, construction, protective devices, and claims history are questions to ask — not facts claimed from exhibits that were not opened here. Anyone can open the public filing in Tennessee SERFF Filing Access.
The statewide average is not the invoice. We covered that pattern in Tennessee’s 7th-highest home-insurance cost ranking. The min/max columns exist so you do not have to guess.
How is this different from the Aug. 15 6% decrease and the Erie and Lemonade increases?
Match the SERFF number before you match the percent. These public stories are not interchangeable.
- This filing: The Celina Mutual Insurance Company, NAIC 20176, SERFF CEIN-134915668, 04.0000 Homeowners Sub-TOI Combinations, disposition 04/30/2026, overall -3.700 %, max 0.300 %, min -16.700 %, 2709 policies — on TDCI’s monthly homeowners table as of June 2026.
- The Aug. 15 6% decrease already on this blog: a 6% overall decrease filed Aug. 15, 2026, after a 6.5% decrease that took effect in May, with individual changes from a 22.7% decrease to a 14.1% increase. Different carrier. Different SERFF. Different min/max. Do not paste that -22.7% to +14.1% range onto CEIN-134915668.
- The Erie and Lemonade increases already on this blog: Erie’s 10% homeowners increase for Dec. 1, 2026 renewals, and Lemonade’s separate 10% homeowners row. Different companies. Different SERFF numbers. This post is not those increases.
If a renewal notice says the premium went down, ask which filing. If someone forwards a 10% homeowners increase, it is not CEIN-134915668.
What should a Tennessee homeowner check on the renewal versus the declarations page?
Do this before you treat -3.700 % as your bill. None of these steps is a coverage promise.
- Read the renewal offer against the current declarations page, line by line. Premium, dwelling limit, other-structures, personal property, loss-of-use, liability, deductibles (including any percentage wind/hail deductible), and endorsements. A lower premium with a lower dwelling limit is not the same product.
- If the page otherwise matches, compute the percent change. New premium minus old premium, divided by the old premium. Do not estimate. Do not round. Then check it against the filed bounds on CEIN-134915668: -16.700 % and 0.300 %. If the percentage sits outside that range, stop and reconcile it. Limit, deductible, and endorsement changes often get rolled into “the rate change.”
- Ask, in writing, which rating variables moved. TDCI’s Celina row does not print that list.
- Confirm replacement cost versus actual cash value on the dwelling and the roof. TDCI distinguishes the two: actual cash value subtracts depreciation; replacement cost does not, subject to the policy limit. Start at Homeowners Insurance 101.
- Pull a free CLUE report. TDCI says a Comprehensive Loss Underwriting Exchange report generally holds up to seven years of personal-auto and personal-property claims history. The Fair Credit Reporting Act entitles you to a free copy from LexisNexis (online or 866-312-8076). Tennessee law also prohibits an insurer from raising a homeowners premium or canceling solely because the insured asked a coverage question. An inquiry is not a claim. See TDCI’s CLUE page.
- Shop against matching limits and deductibles, not last year’s premium. A free policy review is a second set of eyes on the paperwork — not a guarantee of a lower price or of eligibility with any company.
Keep the old declarations page, the renewal, and the written answer about which variables moved.
What if a billed change sits outside the filed -16.700% to 0.300% range?
Reconcile the math before you assume the filing is wrong — and before you assume the bill is right. Ask the company to separate the rate-filing impact from any limit, deductible, discount, or endorsement change. Compare that split to the -16.700 % to 0.300 % band TDCI printed for CEIN-134915668.
If the percentage still cannot be squared with the posted minimum and maximum, TDCI Consumer Insurance Services is the complaint path. File on the online insurance complaint form, or mail Consumer Insurance Services, 500 James Robertson Parkway, 10th Floor, Nashville, TN 37243. The policy must have been written in Tennessee. Questions: 615-741-2218 or 1-800-342-4029. This article does not say a complaint will reduce the premium. Bring SERFF CEIN-134915668.
Does this filing promise a coverage change or a new eligibility decision?
No. A rate filing on TDCI’s monthly table is a pricing change for a described book of business. It is not a statement that Celina Mutual will offer a policy, keep a policy in force, raise a limit, add flood, or pay a claim. Coverage and exclusions live in the policy. Eligibility lives in underwriting. Flood is still not on a standard homeowners policy. Nothing in CEIN-134915668, as posted on the monthly table, is a flood-insurance filing.
Naming Celina Mutual here is not an appointment, a quote, or a statement that All Seasons Insurance Group represents that company. The company is named because the TDCI/SERFF row is public.
How can I look up SERFF CEIN-134915668 myself?
Open Monthly Homeowners Policy Rates and confirm the June 2026 stamp and the August 4, 2026, 8:56 a.m. update line. Then open the page’s table JSON and find `SERFF_Tracking_#` CEIN-134915668. Confirm Overall_Rate_Impact_% “-3.700 %”, Maximum_Rate_Impact_% “0.300 %”, Minimum_Rate_Impact_% “-16.700 %”, Policies_Affected “2709”, NAIC_Company_Code 20176, and Disposition_Date 04/30/2026.
For the filing documents, use SERFF Filing Access — Tennessee, linked from TDCI’s Homeowners Insurance 101 and Homeowners & Automotive Insurance Information hubs. Search The Celina Mutual Insurance Company and tracking number CEIN-134915668. Public SERFF access is free. This article describes the table as it stood on August 20, 2026.
Seasons change. So should your coverage.
If a Tennessee homeowners renewal landed with a decrease story attached, All Seasons Insurance Group will compare the declarations page and the renewal offer to the filed min/max on CEIN-134915668 — or to whichever SERFF number is actually on the notice. That is a free policy review, not a promise of a lower premium, a new policy, or a coverage outcome. Call 865-263-1400. Offices are at 1001 Parkway in Sevierville and 121 Suburban Road in Knoxville.
Informational only. This post summarizes a public TDCI/SERFF listing. It is not a quote, a binder, a claim decision, legal advice, or a statement that any reader is eligible for coverage with The Celina Mutual Insurance Company or any other carrier. Individual premiums depend on the policy, the rating variables in force, and the facts of the risk.
Frequently asked questions
What numbers did TDCI post for The Celina Mutual Insurance Company?
TDCI’s monthly homeowners-rate table, current as of June 2026 and last updated August 4, 2026 at 8:56 a.m., lists The Celina Mutual Insurance Company, NAIC 20176, SERFF CEIN-134915668, coverage 04.0000 Homeowners Sub-TOI Combinations, disposition 04/30/2026, overall rate impact -3.700 %, maximum 0.300 %, minimum -16.700 %, and 2709 policies affected. Those figures come from TDCI’s live DataTable JSON.
Does a -3.700% overall decrease mean every Celina homeowners policy goes down 3.7%?
No. The -3.700 % figure is the overall book-level impact TDCI printed. The same row posts a 0.300 % maximum and a -16.700 % minimum individual impact. A policy can land anywhere in that range. The table does not print which rating variables moved for a given house.
How is thi s different from the Aug. 15 6% decrease and the Erie and Lemonade increases?
Celina SERFF CEIN-134915668 is a different company, SERFF number, disposition date, overall percent, and min/max than the Aug. 15 6% overall decrease (individual range -22.7% to +14.1%) already on this blog, and it is not the Erie 10% Dec. 1 homeowners increase or the Lemonade 10% homeowners filing. The -3.700 % / 0.300 % / -16.700 % / 04/30/2026 figures in this article apply only to the Celina row on TDCI’s table.
What should a Tennessee homeowner check on the renewal versus the declarations page?
Compare the renewal offer to the current declarations page line by line (premium, limits, deductibles, endorsements). Compute the percent change without rounding. Check it against the filed -16.700 % to 0.300 % range on SERFF CEIN-134915668. Ask in writing which rating variables moved. Confirm replacement cost versus actual cash value. Pull a free CLUE report. Shop only against matching limits and deductibles.
What if a billed change sits outside the filed -16.700% to 0.300% range?
First separate rate-filing impact from limit, deductible, discount, or endorsement changes. If the percentage still cannot be reconciled to TDCI’s posted minimum and maximum for CEIN-134915668, contact TDCI Consumer Insurance Services at 615-741-2218 or 1-800-342-4029, or file an insurance complaint through the department’s File a Complaint page. Mail: Consumer Insurance Services, 500 James Robertson Parkway, 10th Floor, Nashville, TN 37243. Bring the SERFF number.
Does this filing promise a coverage change or a new eligibility decision?
No. A rate filing on TDCI’s monthly table is a pricing change for a described book of business. It is not a quote, a binder, a claim decision, or a statement that any reader is eligible for coverage. Coverage and exclusions live in the policy. Flood is not created by a homeowners rate row.
How can I look up SERFF CEIN-134915668 myself?
Open TDCI’s Monthly Homeowners Policy Rates page and the live table JSON, then search Tennessee SERFF Filing Access for The Celina Mutual Insurance Company and tracking number CEIN-134915668. Confirm OverallRateImpact% “-3.700 %”, MaximumRateImpact% “0.300 %”, MinimumRateImpact% “-16.700 %”, PoliciesAffected “2709”, and Disposition_Date 04/30/2026. TDCI links SERFF Filing Access from its Homeowners Insurance 101 and Homeowners & Automotive Insurance Information pages.
Sources
- TDCI Monthly Homeowners Policy Rates (as of June 2026; last updated August 4, 2026 at 8:56 a.m.)
- TDCI Monthly Homeowners Policy Rates DataTable JSON
- TDCI Homeowners Insurance 101
- TDCI Homeowners & Automotive Insurance Information
- SERFF Filing Access — Tennessee
- TDCI C.L.U.E. (Comprehensive Loss Underwriting Exchange)
- TDCI File an Insurance Complaint
- A Tennessee Home Carrier Just Filed a 6% Rate Decrease — The Second This Year
- Erie Files a 10% Homeowners Increase in Tennessee for Dec. 1 Renewals
- A Tennessee Homeowners Filing Posted a 10% Increase — Some Policies Can Move 24.4%
- All Seasons Insurance Group — Get a Quote
Or call All Seasons Insurance Group at 865-263-1400.
