The Tennessee Department of Commerce and Insurance (TDCI) publishes a monthly table of homeowners rate changes filed through the System for Electronic Rate and Form Filing (SERFF). The table labeled “As of September 2026” includes two filings from Homebound Insurance Exchange (NAIC 17758), both with a disposition date of Sept. 16, 2026, and both with overall decreases.
| Filing | Coverage type | Overall | Minimum | Maximum | Policies affected |
|---|---|---|---|---|---|
| NLGA-135024146 | 04.0003 Owner Occupied Homeowners | −13.700% | −24.300% | −0.600% | 790 |
| NLGA-135024151 | 04.0002 Mobile Homeowners | −15.000% | −23.100% | 1.000% | 661 |
Source: TDCI Monthly Homeowners Policy Rates, table as of September 2026. Disposition date for both rows: 09/16/2026.
How to read the owner-occupied row
The overall figure, −13.700%, is the average effect across the filing’s 790 affected policies. The minimum and maximum show the spread. On this row, the maximum is −0.600%, so the highest listed change is still a decrease, and the deepest listed decrease is −24.300%.
Not every row in TDCI’s monthly tables reads this way; some pair a small overall change with a wide swing in both directions. Here, the printed range stays below zero from end to end. Even so, the table does not tell any single household what its renewal will be. Coverage changes, a new deductible, a claim, or a change in the home itself can still move your own premium.
How to read the mobile homeowners row
The mobile home filing shows a −15.000% overall change on 661 policies, with a range from −23.100% to 1.000%. Because the maximum is above zero, the table allows for some policies to see a small increase even though the book as a whole moves down.
Manufactured and mobile homes are often insured on different forms than site-built houses, so compare your declarations page line by line at renewal. Background: Manufactured Home Insurance in Tennessee: What Owners Need to Know.
Why small books still matter
Both filings affect fewer than 1,000 policies each. For most Tennesseans, the value of a row like this is not the specific number but the reminder that rates move company by company. A decrease at one insurer says nothing about another insurer’s next filing.
How to check a filing yourself
- Open TDCI’s Monthly Homeowners Policy Rates page and search for the company name.
- Note the SERFF tracking number, here NLGA-135024146 or NLGA-135024151.
- Use SERFF Filing Access for Tennessee to look up the public filing.
- Compare the result to your own renewal notice and declarations page.
More on reading these tables: 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 another recent decrease on the homeowners side, see A Tennessee Home Carrier Just Filed a 6% Rate Decrease - The Second This Year.
If something on a renewal does not match what you were told, 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.
- Manufactured Home Insurance in Tennessee: What Owners Need to Know
- A Tennessee Home Carrier Just Filed a 6% Rate Decrease - The Second This Year
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 Homebound Insurance Exchange?
TDCI's September 2026 homeowners table lists SERFF NLGA-135024146 for owner-occupied homeowners at −13.700% overall on 790 policies and NLGA-135024151 for mobile homeowners at −15.000% overall on 661 policies, both with a 09/16/2026 disposition date.
Does every Homebound owner-occupied policy go down?
The table prints a maximum of −0.600% and a minimum of −24.300% for that filing, so every listed change on that row is a decrease. Your own renewal can still change for other reasons, such as coverage or deductible changes.
Can a Homebound mobile home policy go up?
The mobile homeowners row shows a maximum of 1.000% and a minimum of −23.100%, so the table allows for small increases on some policies even though the overall change is −15.000%.
What does overall rate impact mean?
It is the average effect across the policies the filing affects. The minimum and maximum columns show the range of individual changes.
Where can I look up the filing?
Start with TDCI's Monthly Homeowners Policy Rates page, note the SERFF tracking number, and search SERFF Filing Access for Tennessee.
Does this mean other insurers are cutting rates?
No. Each row is one company's filing. A decrease at one insurer says nothing about another insurer's next filing.
What if my renewal does not match the table?
Ask your agent to walk through the declarations page. If you still have concerns, 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.
