The Tennessee Department of Commerce and Insurance publishes monthly homeowners’ insurance policy rate-change information filed through the System for Electronic Rate and Form Filing. The table current as of August 2026 — last updated September 2, 2026, at 9:58 a.m. — lists Encompass Insurance Company under SERFF tracking number GMMX-135016659. The disposition date is August 7, 2026. The overall rate impact is −0.100%. The maximum rate impact is 90.000%. The minimum rate impact is −55.000%. The listing shows 14,749 policies affected.
That swing is the story. A book-level −0.100% is not a household freeze, and it is not a 90.000% hike for every homeowner on the row. TDCI printed both ends. This is not the live Peerless Indemnity 2.100% filing with a 0.800% to 2.600% band on 6,525 policies. Different company. Different SERFF. Different policy count. This article is about GMMX-135016659.
Seasons change. So should your coverage. For a free policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
What did TDCI post for Encompass Insurance Company on SERFF GMMX-135016659?
TDCI says it posts the monthly homeowners table “to help consumers better understand and compare rate changes among insurers.” The Encompass Insurance Company row is coded as 04.0000 Homeowners Sub-TOI Combinations. The company carries NAIC company code 10358.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Minimum | Maximum | Policies affected |
|---|---|---|---|---|---|---|---|---|
| Encompass Insurance Company | 10358 | GMMX-135016659 | 04.0000 Homeowners Sub-TOI Combinations | 08/07/2026 | −0.100% | −55.000% | 90.000% | 14,749 |
Source: TDCI Monthly Homeowners Policy Rates, table current as of August 2026; live rows in the page DataTable JSON. Page last updated September 2, 2026, at 9:58 a.m. Figures copied from that JSON. No other percentages added.
Does a −0.100% overall mean every Encompass homeowner pays less?
No. Not from this row. TDCI printed a book-level overall of −0.100% and an individual range from −55.000% to 90.000% on 14,749 policies. A homeowner whose premium moved 90.000% up is still inside the printed range. A homeowner whose premium moved 55.000% down is also inside the printed range. Neither result is a household forecast.
How is this different from the earlier Encompass homeowners August filing post?
An earlier ASIG post covered Encompass’s August homeowners filing. This article focuses on the printed individual swing: −55.000% to 90.000% on 14,749 policies under SERFF GMMX-135016659, beside the −0.100% overall. Do not paste a Peerless Indemnity 2.100% overall or a 2.600% Peerless ceiling onto this Encompass book.
What does a 90.000% maximum on a −0.100% overall row mean?
It means TDCI printed 90.000% as the maximum rate impact and −55.000% as the minimum for Encompass on this SERFF, while the overall stayed −0.100% across 14,749 policies. The table does not explain how the 14,749 policies split between increases and decreases. Compare a renewal to the current declarations page.
How can a Tennessee homeowner look this filing up?
Start on the public table. Open TDCI Monthly Homeowners Policy Rates. The page header says “As of August 2026.” Find Encompass Insurance Company, NAIC 10358, SERFF GMMX-135016659. Confirm overall −0.100%, minimum −55.000%, maximum 90.000%, and 14,749 policies affected. To read the filing itself, use SERFF Filing Access for Tennessee.
What should a Tennessee homeowner do this week?
- Pull the current declarations page and the renewal offer for the same policy number.
- Line them up: dwelling limit, deductibles, listed endorsements, and the premium.
- If the only material change is the premium, compute the percent change. Do not estimate. Do not round.
- Open the TDCI monthly homeowners-rate table. For this Encompass row the printed numbers are −0.100% overall, −55.000% minimum, and 90.000% maximum on 14,749 policies, disposition August 7, 2026.
- Compare the current offer with other quotes at asigtn.com/get-a-quote or 865-263-1400.
What if a renewal change sits outside −55.000% to 90.000%?
TDCI Consumer Insurance Services mediates insurance-related disputes. File a complaint on the online insurance complaint form. Mail goes to Consumer Insurance Services, 500 James Robertson Parkway, 10th Floor, Nashville, TN 37243. Questions: 615-741-2218 or 1-800-342-4029. Bring both premiums, the percent change, SERFF GMMX-135016659, and NAIC 10358.
Does this article promise a premium cut or increase?
No. It restates the public TDCI August 2026 Encompass homeowners row: −0.100% overall with a −55.000% to 90.000% individual range on 14,749 policies. It does not promise coverage, eligibility, or price for any reader.
Seasons change. So should your coverage.
