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,” one row shows why the headline percentage is only part of the story: The Hanover Insurance Company lists an overall rate impact of 0.000%, with individual changes that run from −12.300% to 45.700%.
| Item | TDCI table entry |
|---|---|
| Company | The Hanover Insurance Company (NAIC 22292) |
| SERFF tracking number | HNVR-G135030513 |
| Coverage type | 04.0000 Homeowners Sub-TOI Combinations |
| Disposition date | 07/27/2026 |
| Overall rate impact | 0.000% |
| Minimum / maximum | −12.300% / 45.700% |
| Policies affected | 8,803 |
Source: TDCI Monthly Homeowners Policy Rates, table as of September 2026.
How a 0% filing can still raise some bills
The overall figure is an average across every policy the filing touches. A filing can shift price between groups of customers, for example by changing how territory, home age, roof condition, or claim history is rated, and still average out to zero. When that happens, some policyholders pay less and others pay more.
That is what the minimum and maximum columns are for. On this row, the spread runs from a 12.3% decrease to a 45.7% increase. Those are the outer edges the table prints, not a forecast for any one home.
What this means if you hold one of these 8,803 policies
- Read your renewal notice line by line instead of assuming a 0% filing means no change.
- Compare this year’s declarations page with last year’s: dwelling limit, other structures, personal property, loss of use, liability, and deductibles.
- Ask your agent what drove any change on your own policy. A higher dwelling limit from rising rebuild costs, a deductible change, or a new claim can move a premium independently of the filing.
- If you want to see the filing itself, search SERFF Filing Access for Tennessee using HNVR-G135030513.
More on reading these rows: How to read Tennessee’s monthly homeowners rate table on TDCI’s website. and How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables. For other filings where a small overall number sits on top of a wide range, see Encompass Insurance Company’s −0.100% Tennessee homeowners filing still prints a 90.000% individual ceiling. and Travelers Personal’s 0% Tennessee homeowners filing still prints a 17.400% individual ceiling.
Deductibles are part of the conversation
When a premium jumps, some homeowners look at a higher deductible to soften it. That trade-off moves more of a future claim onto you, so weigh it against your savings. Background: Understanding Home Insurance Deductibles in Tennessee: How to Choose the Right Amount and Avoid Costly Surprises.
If a renewal still 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.
- Encompass Insurance Company’s −0.100% Tennessee homeowners filing still prints a 90.000% individual ceiling.
- Travelers Personal’s 0% Tennessee homeowners filing still prints a 17.400% individual ceiling.
- Understanding Home Insurance Deductibles in Tennessee: How to Choose the Right Amount and Avoid Costly Surprises
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 The Hanover Insurance Company?
TDCI's September 2026 homeowners table lists SERFF HNVR-G135030513, Homeowners Sub-TOI Combinations, disposition 07/27/2026, overall 0.000%, minimum −12.300%, maximum 45.700%, and 8,803 policies affected.
If the overall change is 0%, why can my premium go up?
The overall figure is an average. A filing can lower rates for some policyholders and raise them for others. The table's range for this filing runs from −12.300% to 45.700%.
Will my policy go up 45.7%?
Not necessarily. 45.700% is the maximum the table prints for this filing. Your own change depends on how the filing applies to your home and on any coverage, deductible, or claim changes.
When was the filing dispositioned?
The TDCI table lists a disposition date of 07/27/2026.
How do I look up the filing?
Note the SERFF tracking number HNVR-G135030513 from TDCI's Monthly Homeowners Policy Rates page and search SERFF Filing Access for Tennessee.
Does this filing tell me anything about other insurers?
No. Each row is one company's filing. Rates move company by company.
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.
