A Tennessee condominium homeowners (HO-6) program filed on June 30, 2026 to replace the insurance credit score model it uses for underwriting and tier assignment, with requested effective dates of Oct. 23, 2026 for new business and Dec. 10, 2026 for renewals. The change affects roughly 1,259 Tennessee condo policyholders and reports a 0.0% overall rate impact, according to public Tennessee rate filing records.
A scoring-model swap sounds like plumbing. It is not. The score decides which pricing tier your policy sits in, and tier is one of the largest single levers in a homeowners or condo premium.
What is actually changing?
The program is replacing the TransUnion Insurance Risk Score with the TrueRisk AutoProperty Insurance Score in its claims and credit tier definitions. The carrier states the new score ranges were built to align as closely as practicable with the old ranges so policyholders land in comparable tiers. The update applies to new business and to existing policyholders who request a reorder of their insurance score. Applications that return no score - a "No Hit" or "No Score" - are assigned a score of 700 for tiering purposes.
| Filing detail | Value |
|---|---|
| Filing submitted | June 30, 2026 |
| Effective, new business | Oct. 23, 2026 |
| Effective, renewals | Dec. 10, 2026 |
| Program | Condominium homeowners (HO-6) |
| Tennessee policyholders affected | ~1,259 |
| Stated overall rate impact | 0.0% |
| No-score default | 700 |
| Tennessee average home premium | $3,408/year, 7th highest in U.S. |
Will my condo premium change on Oct. 23?
The filing reports no rate impact and no written premium change, and says the new score ranges were mapped to the old ones. But "0.0% overall" describes the book, not your policy. If a reorder of your score moves you across a tier boundary, your premium moves with it. The people most likely to see a change are those who request a score reorder or whose credit profile has shifted since the last order.
Does Tennessee allow credit-based insurance scores?
Yes, and they are widely used in property underwriting here. That is why two owners in the same building, with the same coverage limits and the same claims history, can pay different premiums. It is also why a mistake on a credit file quietly becomes an insurance problem, not just a lending problem.
What should a Tennessee condo owner do before October?
- Pull your declarations page now and note your current tier, deductible, and Coverage A (unit) limit.
- Check your credit report for errors before any score reorder. Corrections take weeks, and the effective dates are already on the calendar.
- Confirm what your HOA master policy actually covers. Bare-walls versus all-in changes how much building coverage you personally need - the single most common condo coverage gap in Tennessee.
- Ask about loss assessment coverage. If the association takes a large uncovered loss, the assessment lands on unit owners.
- Get a comparison quote before Dec. 10, not after your renewal shows up.
Why this matters in an expensive insurance state
Tennessee homeowners now pay an average of about $3,408 a year, roughly 42% above the national average of $2,395 and seventh highest in the country, driven by severe convective storm frequency rather than hurricanes. In that environment, tier placement is not a rounding error - it is often the difference between a competitive premium and an uncompetitive one on identical coverage.
Seasons change. So should your coverage.
Own a condo in East Tennessee? Have your HO-6 reviewed before the October and December effective dates.
Call All Seasons Insurance Group: 865-263-1400Or request a policy review at asigtn.com/get-a-quote.
Sources
- Public Tennessee condominium homeowners rate and rule filing, submitted June 30, 2026, effective Oct. 23, 2026 (new business) and Dec. 10, 2026 (renewals), as summarized in rate-filing tracking published July 2, 2026
- LendingTree home insurance cost report, June 2026
- Tennessee Department of Commerce and Insurance, SERFF Filing Access - Tennessee
This article summarizes public rate filing information and is general information only, not a coverage opinion, quote, or legal advice. Filed rates and rules are subject to regulatory review and individual impacts vary.
