The Tennessee Department of Commerce and Insurance (TDCI) publishes a monthly table of homeowners rate changes that insurers file through the System for Electronic Rate and Form Filing (SERFF). In the table labeled “As of September 2026,” Grange Indemnity Insurance Company lists a homeowners filing at 0.000% overall, with a maximum of 0.000% and a minimum of 0.000%, on 13,168 policies.
| Item | TDCI table entry |
|---|---|
| Company | Grange Indemnity Insurance Company (NAIC 10322) |
| SERFF tracking number | GRAN-134979500 |
| Coverage type | 04.0000 Homeowners Sub-TOI Combinations |
| Disposition date | 06/17/2026 |
| Overall rate impact | 0.000% |
| Minimum / maximum | 0.000% / 0.000% |
| Policies affected | 13,168 |
Source: TDCI Monthly Homeowners Policy Rates, table as of September 2026.
A true zero, not an average of ups and downs
Many 0% filings on TDCI's table hide a wide spread: the overall number averages out to zero while the minimum and maximum columns show some homes going down and others going up. This row is different. The overall, maximum, and minimum columns all read 0.000%, so the table shows no individual rate change for any of the 13,168 policies. For contrast, see a 0% homeowners filing with a wide individual range: TDCI lists a 0% Tennessee homeowners filing for The Hanover that still allows increases of up to 45.7%.
Why your premium can still change
A flat rate filing does not freeze your bill. The table does not say why the filing was made, and SERFF is where the filing documents live. On your own policy, a premium can still move because of:
- A higher dwelling limit, for example from an automatic adjustment for rebuild costs.
- A deductible change, a new endorsement, or a coverage you added or removed.
- A new claim or a change in claim history. Background: TDCI’s CLUE explainer says Tennesseans can pull seven years of home and auto claims history for free.
- Changes to the home itself, such as a new roof, an addition, or a change in occupancy.
What to check at renewal
- Compare this year's declarations page with last year's, line by line.
- Confirm the dwelling limit still reflects what it would cost to rebuild, and whether your policy pays replacement cost or actual cash value: TDCI explains Actual Cash Value versus Replacement Cost for Tennessee homeowners.
- Look up GRAN-134979500 on SERFF Filing Access for Tennessee. How-to: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- Learn how to read the monthly table yourself: How to read Tennessee’s monthly homeowners rate table on TDCI’s website.
If a renewal does not make sense after you have talked with your agent or insurer, TDCI accepts consumer complaints online.
Related reading from All Seasons
- How to read Tennessee’s monthly homeowners rate table on TDCI’s website.
- How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- TDCI lists a 0% Tennessee homeowners filing for The Hanover that still allows increases of up to 45.7%.
- TDCI explains Actual Cash Value versus Replacement Cost for Tennessee homeowners.
- TDCI’s CLUE explainer says Tennesseans can pull seven years of home and auto claims history for free.
Free policy review
All Seasons Insurance Group offers a free personal policy review. Call 865-263-1400 or visit asigtn.com/get-a-quote/. This article is informational only and does not promise coverage or eligibility; your policy forms control. Seasons change. So should your coverage.
What did TDCI list for Grange Indemnity Insurance Company?
TDCI's September 2026 homeowners table lists SERFF GRAN-134979500, Homeowners Sub-TOI Combinations, disposition 06/17/2026, overall 0.000%, maximum 0.000%, minimum 0.000%, and 13,168 policies affected.
Does 0% overall mean nobody's rate changed?
On this row, yes as printed: the overall, maximum, and minimum columns all read 0.000%. Many other 0% filings show wider individual ranges.
Can my premium still go up?
Yes. Changes to your dwelling limit, deductible, endorsements, claim history, or the home itself can move a premium even when the filing shows no rate change.
When was the filing dispositioned?
The TDCI table lists a disposition date of 06/17/2026.
Why would an insurer file a 0% change?
The TDCI table does not say. The filing documents on SERFF Filing Access are the place to look.
How do I look up the filing?
Use SERFF tracking number GRAN-134979500 on SERFF Filing Access for Tennessee after checking TDCI's Monthly Homeowners Policy Rates page.
What if my renewal does not match what I expected?
Ask your agent or insurer to walk through the declarations page. If the issue is not resolved, TDCI accepts consumer complaints online.
How can All Seasons help after reading this?
Call 865-263-1400 or visit asigtn.com/get-a-quote/ for a free personal policy review. Informational only; no coverage promises. Seasons change. So should your coverage.
