The Tennessee Department of Commerce and Insurance’s monthly homeowners table — current as of June 2026, last updated August 4, 2026 at 8:56 AM — lists The Cincinnati Insurance Company, NAIC company code 10677, SERFF tracking number CNNB-134761578, type of coverage 04.0000 Homeowners Sub-TOI Combinations. Disposition date 02/20/2026. Overall rate impact 5.545 %. Maximum 53.793 %. Minimum 0.000 %. Policies affected 4089.
TDCI posts those rows “to help consumers better understand and compare rate changes among insurers.” The story on this row is the spread, not the average: a mid-single-digit overall change on a 4,089-policy book, with a public maximum more than nine times that overall figure and a floor of 0.000 % in the same min/max pair.
This is not the live Lemonade 10% homeowners post, not the live Erie 10% homeowners increase for Dec. 1 renewals, and not the live Aug. 15 6% homeowners decrease. Different company. Different SERFF number. Different book.
Informational only. No promise that any house will move 5.545 % or 53.793 %, that Cincinnati still writes a reader’s dwelling or will quote, or that coverage or eligibility will change.
By All Seasons Insurance Group
What numbers did TDCI post for The Cincinnati Insurance Company?
The figures below are copied from TDCI’s live homeowners DataTable JSON. No other percentages are added. The policies-affected field is printed as 4089 in that JSON.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Max | Min | Policies |
|---|---|---|---|---|---|---|---|---|
| The Cincinnati Insurance Company | 10677 | CNNB-134761578 | 04.0000 Homeowners Sub-TOI Combinations | 02/20/2026 | 5.545 % | 53.793 % | 0.000 % | 4089 |
Read the row as a range, not a single invoice. The overall 5.545 % is the book-level impact. The 53.793 % is the high end of individual impact. The 0.000 % is the low end of that pair. The table does not say every one of the 4,089 policies moves the same amount, and it names no East Tennessee ZIP code or dollar premium.
The date on the row is a disposition date — 02/20/2026, February 20, 2026 — not a printed new-business or renewal effective date. This article does not invent an effective date TDCI did not print. If a renewal notice or the SERFF exhibits state a date, that document controls. The same June 2026 table has other company rows. They are different books. This post is only CNNB-134761578.
Does a 5.545% overall change mean every Cincinnati homeowners policy goes up 5.545%?
No. The overall percentage is an average for the book TDCI listed. The same filing posts a 53.793 % ceiling and a 0.000 % floor. A policy on that book can land anywhere inside that printed range. A 5.545 % headline that hides a 53.793 % top end is the reason to read the state’s table instead of a marketing email.
This article does not claim that a given home will see 5.545 % or 53.793 %, or that 53.793 % is typical. A maximum is a bound, not a mode, a median, or a forec ast.
The statewide average is not the invoice. The min/max columns exist so you do not have to guess. See the same lesson on the statewide home-insurance cost ranking — a different filing.
How is this different from the Lemonade 10%, Erie 10%, and Aug. 15 6% decrease posts?
Three other public homeowners stories are already on this blog. Do not paste their percentages onto CNNB-134761578.
- This filing: The Cincinnati Insurance Company, NAIC 10677, SERFF CNNB-134761578, 04.0000 Homeowners Sub-TOI Combinations, disposition 02/20/2026, overall 5.545 %, max 53.793 %, min 0.000 %, 4089 policies.
- Not Lemonade 10%: different company, different SERFF, different book, already covered separately.
- Not Erie 10% for Dec. 1: different company and a December renewal story. Do not paste Erie dates onto this row.
- Not the Aug. 15 6% decrease: different direction, different filing date, different carrier. That post is not this SERFF number.
If a renewal notice says “about 5%” or “almost 6%,” ask which SERFF number. If someone forwards a 10% homeowners headline, ask which company. Cincinnati’s printed overall is 5.545 %, not 10 %, and not a decrease.
What does a 53.793% maximum next to a 0.000% minimum actually tell you?
They are the individual-impact bounds TDCI printed for that SERFF row. They are not a promise that any household will move to 53.793 %, stay at 0.000 %, or land on 5.545 %. They are the range shown for policies on that book.
The floor in this min/max pair is 0.000 %. That is not a statement that nobody received a decrease outside this filed pair. It is the minimum TDCI printed on CNNB-134761578. Do not turn a table floor into a market-wide guarantee.
The maximum is 53.793 %. Relative to the 5.545 % overall, that top end is more than nine times the book-level figure. That is not a prediction that a Knoxville, Sevierville, or Farragut house will see the maximum. The table assigns the maximum to no county, construction type, or claims history.
A renewal offer is a new premium. A declarations page is the current contract summary: dwelling limit, other structures, personal property, loss of use, liability, deductibles, endorsements, and the premium already in force. The comparison that matters is arithmetic, not a script that “the company filed 5.545 %.”
What should a Tennessee homeowner check on the renewal versus the declarations page?
Do this before you accept the bill or assume the change is “across the board.” None of these steps is a coverage promise, a quote, or an eligibility decision.
- Line up the renewal and the current declarations page. Premium, dwelling limit, other-structures, personal property, loss-of-use, liability, deductibles (including any percentage wind/hail deductible), and endorsements. A higher premium with a lower dwelling limit is not the same product. A 5.545 % rate filing does not tell you whether Coverage A moved.
- Ask, in writing, which rating variables moved. Territory, insurance score, amount of insurance, construction, roof, protective devices, and claims history are the usual questions. TDCI’s Cincinnati row does not print that list.
- Check the billed change against the filed 0.000 % to 53.793 % bounds on CNNB-134761578. Inside the range is consistent with the posted book. Outside it, stop and reconcile. Limit, deductible, and endorsement changes often get rolled into “the rate increase.”
- Do not infer replacement cost or actual cash value from 5.545 %. TDCI’s Homeowners Insurance 101 page links a separate Actual Cash Value v. Replacement Cost resource. Confirm valuation on the policy, not on the monthly table.
- Shop against matching limits and deductibles, not last year’s premium. A cheaper quote that converts the roof to actual cash value is not a 5.545 % savings. A free policy review is a second set of eyes on the paperwork — not a guarantee of a lower price, a Cincinnati quote, or eligibility with any company.
Keep the old declarations page, the renewal, and the written answer about which variables moved. The carrier is named only because this TDCI/SERFF row is public — not because All Seasons Insurance Group represents Cincinnati or can promise the company will write a reader’s house.
What if a billed change sits outside the filed 0.000% to 53.793% range?
Reconcile the math before you assume the filing is wrong — and before you assume the bill is right. A dwelling-limit increase, an inflation guard, a deductible change, a removed discount, or a new endorsement can move the dollar premium by more than the rate-change percentage. Ask the company to separate the rate-filing impact from any exposure or coverage change. Compare that split to the 0.000 %–53.793 % band TDCI printed for CNNB-134761578.
If the percentage still cannot be squared with the posted minimum and maximum, TDCI’s File a Complaint page routes insurance complaints to the Consumer Insurance Services Section. Questions: (615) 741-2218 or 1-800-342-4029. The department investigates whether the company followed Tennessee law. This article does not say a complaint will reduce the premium. Bring SERFF CNNB-134761578.
Does this filing promise coverage, a quote, or eligibility?
It is also not a replacement-cost estimate or a premium forecast.
How can I look up SERFF CNNB-134761578 myself?
Open Monthly Homeowners Policy Rates and confirm the June 2026 stamp and the August 4, 2026, 8:56 AM update line. Then open the page’s table JSON and find `SERFF_Tracking_#` CNNB-134761578. Confirm `NAIC_Company_Code` 10677, `Disposition_Date` 02/20/2026, `Overall_Rate_Impact_%` 5.545 %, `Maximum_Rate_Impact_%` 53.793 %, `Minimum_Rate_Impact_%` 0.000 %, and `Policies_Affected` 4089. Those JSON fields are the source of every Cincinnati percentage in this post.
For the filing documents, use SERFF Filing Access — Tennessee, linked from TDCI’s Homeowners Insurance 101 hub. Search The Cincinnati Insurance Company and tracking number CNNB-134761578. Public SERFF access is free. If the live JSON later adds rows or the page stamp moves past June 2026, the new table is the current public record. 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 mid-single-digit story attached, All Seasons Insurance Group will compare the declarations page and the renewal offer to the filed min/max on CNNB-134761578 — or to whichever SERFF number is actually on the notice. That is a free policy review, not a promise of a lower premium, a Cincinnati policy, or a coverage outcome. Call 865-263-1400.
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 Cincinnati 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 Cincinnati Insurance Company?
TDCI’s monthly homeowners table, current as of June 2026 and last updated August 4, 2026 at 8:56 AM, lists The Cincinnati Insurance Company, NAIC 10677, SERFF CNNB-134761578, coverage 04.0000 Homeowners Sub-TOI Combinations, disposition 02/20/2026, overall rate impact 5.545 %, maximum 53.793 %, minimum 0.000 %, and 4089 policies affected. Those figures come from TDCI’s live DataTable JSON.
Does a 5.545% overall change mean every Cincinnati homeowners policy goes up 5.545%?
No. The 5.545 % figure is the overall book-level impact TDCI printed. The same row posts a 53.793 % maximum and a 0.000 % minimum individual impact. A policy can land anywhere in that range. This article does not claim that a given home will see 5.545 % or 53.793 %, or that the maximum is typical.
How is this different from the Lemonade 10%, Erie 10%, and Aug. 15 6% decrease posts?
CNNB-134761578 is The Cincinnati Insurance Company, disposition 02/20/2026, overall 5.545 %, max 53.793 %, min 0.000 %, 4089 policies. That is a different company, SERFF number, and book than the live Lemonade 10% homeowners post, the Erie 10% Dec. 1 homeowners post, and the Aug. 15 6% homeowners decrease.
What does a 53.793% maximum next to a 0.000% minimum actually tell you?
They are the individual-impact bounds TDCI printed for SERFF CNNB-134761578. They are not a promise that any household will hit 53.793 %, stay at 0.000 %, or la nd on 5.545 %. The 0.000 % floor is the minimum on this filed pair, not a statement that nobody received a decrease outside that pair.
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). Ask in writing which rating variables moved. Check the billed percentage against the filed 0.000 %–53.793 % range on SERFF CNNB-134761578. Do not infer replacement cost from the 5.545 % figure. Shop only against matching limits and deductibles.
What if a billed change sits outside the filed 0.000% to 53.793% 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 CNNB-134761578, 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. Bring the SERFF number.
Does this filing promise coverage, a quote, or eligibility?
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 with The Cincinnati Insurance Company. Coverage and exclusions live in the policy. Flood is not created by a homeowners rate row.
How can I look up SERFF CNNB-134761578 myself?
Open TDCI’s Monthly Homeowners Policy Rates page and the live table JSON, then search Tennessee SERFF Filing Access for The Cincinnati Insurance Company and tracking number CNNB-134761578. Confirm NAIC 10677, disposition 02/20/2026, overall 5.545 %, max 53.793 %, min 0.000 %, and 4089 policies. TDCI links SERFF Filing Access from its Homeowners Insurance 101 page.
Sources
- TDCI Monthly Homeowners Policy Rates (as of June 2026; last updated August 4, 2026 at 8:56 AM)
- TDCI Monthly Homeowners Policy Rates DataTable JSON
- TDCI Homeowners Insurance 101
- SERFF Filing Access — Tennessee
- TDCI File a Complaint
- All Seasons Insurance Group — Get a Quote
Or call All Seasons Insurance Group at 865-263-1400.
