The Tennessee Department of Commerce and Insurance monthly homeowners table — current as of August 2026 and last updated September 2, 2026, at 9:58 a.m. — lists Encompass Insurance Company, NAIC company code 10358, SERFF tracking number GMMX-135016659, type of coverage 04.0000 Homeowners Sub-TOI Combinations. Disposition date 08/07/2026. Overall rate impact −0.100 %. Maximum 90.000 %. Minimum −55.000 %. Policies affected 14,749.
That is not a quiet filing. The book-level change is nearly flat. The individual band is enormous. This article restates the published TDCI row. It is informational only. It does not promise coverage, price, eligibility, or that any single policy will move up or down.
By All Seasons Insurance Group
What did TDCI’s August 2026 homeowners table list for Encompass Insurance Company?
| Field | Published value |
|---|---|
| Company | Encompass Insurance Company |
| NAIC | 10358 |
| SERFF | GMMX-135016659 |
| Coverage | 04.0000 Homeowners Sub-TOI Combinations |
| Disposition | 08/07/2026 |
| Overall rate impact | −0.100 % |
| Maximum / minimum | 90.000 % / −55.000 % |
| Policies affected | 14,749 |
Open Monthly Homeowners Policy Rates and confirm the August 2026 stamp and the September 2, 2026, 9:58 a.m. update line. Then open the page’s table JSON and find SERFF_Tracking_# GMMX-135016659.
Does a −0.100% overall filing mean every Encompass homeowner pays less?
No. TDCI publishes the overall impact to help consumers compare filings. The same row prints the maximum and minimum individual impacts. For this Encompass book those printed numbers are +90.000% and −55.000%. A renewal letter can land anywhere in that band.
How do I confirm the Encompass homeowners numbers myself?
Start on the public table. Confirm Company_Name “Encompass Insurance Company,” NAIC_Company_Code 10358, SERFF_Tracking_# GMMX-135016659, Type_Of_Coverage 04.0000 Homeowners Sub-TOI Combinations, Disposition_Date 08/07/2026, Overall_Rate_Impact_% “−0.100 %,” Maximum_Rate_Impact_% “90.000 %,” Minimum_Rate_Impact_% “−55.000 %,” and Policies_Affected 14749. Those JSON fields are the source of every percentage in this post.
Is this the same filing as Encompass Indemnity’s auto row?
No. Our earlier Encompass Indemnity auto piece used a different legal company and a different SERFF tracking number on the auto table. This homeowners row is Encompass Insurance Company, NAIC 10358, SERFF GMMX-135016659. Keep the names straight when you search SERFF.
Where can I look up the public SERFF filing?
Open Tennessee SERFF Filing Access. Search Encompass Insurance Company and tracking number GMMX-135016659. TDCI also links SERFF from its Homeowners & Automotive Insurance Information hub. Saving through SFA is free; kiosk printing is 50 cents per page.
Why publish a filing that is nearly zero overall?
Because homeowners hear “almost no change” and stop reading. The printed individual band is the reason to keep reading. A −0.100% average with a 145-point swing between min and max is a reminder to compare the renewal to the declarations page, not to the statewide headline.
What should a Tennessee Encompass homeowner do before renewal?
- Pull the current declarations page and note the deductible structure.
- Open the TDCI August 2026 homeowners table and find GMMX-135016659.
- Compare your renewal change with the printed −55% / −0.1% / +90% band.
- Ask for a free policy review before the effective date.
Does this article promise a lower premium?
No. It describes the TDCI consumer table as it stood on September 2, 2026, at 9:58 a.m. Individual results vary by risk characteristics filed with the company. For a free policy review or quote, call 865-263-1400 or use asigtn.com/get-a-quote.
Seasons change. So should your coverage.
This article is informational only. It does not promise coverage, price, eligibility, or a specific renewal outcome.
