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,” Homeowners of America Insurance Company lists an overall rate impact of −6.000%, with individual changes that run from −22.700% to 14.100%.
| Item | TDCI table entry |
|---|---|
| Company | Homeowners of America Insurance Company (NAIC 12536) |
| SERFF tracking number | HAIC-135048349 |
| Coverage type | 04.0000 Homeowners Sub-TOI Combinations |
| Disposition date | 08/25/2026 |
| Overall rate impact | −6.000% |
| Minimum / maximum | −22.700% / 14.100% |
| Policies affected | 1,342 |
Source: TDCI Monthly Homeowners Policy Rates, table as of September 2026.
How an average decrease can still raise some bills
The overall figure is an average across every policy the filing touches. A filing can cut rates for many customers and still raise them for others, depending on how territory, home age, roof condition, or claim history is rated. When that happens, the printed minimum and maximum show the outer edges — not a forecast for any one home.
On this row, the spread runs from a 22.7% decrease to a 14.1% increase across 1,342 policies.
What this means if you hold one of these policies
- Read your renewal notice line by line instead of assuming a −6% filing means a lower bill.
- 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 HAIC-135048349.
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 the 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 TDCI lists a 0% Tennessee homeowners filing for The Hanover that still allows increases of up to 45.7%.
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.
- TDCI lists a 0% Tennessee homeowners filing for The Hanover that still allows increases of up to 45.7%.
- 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 Homeowners of America Insurance Company?
TDCI's September 2026 homeowners table lists SERFF HAIC-135048349, Homeowners Sub-TOI Combinations, disposition 08/25/2026, overall −6.000%, minimum −22.700%, maximum 14.100%, and 1,342 policies affected.
If the overall change is −6%, 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 −22.700% to 14.100%.
Will my policy go up 14.1%?
Not necessarily. 14.100% 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 08/25/2026.
How do I look up the filing?
Note the SERFF tracking number HAIC-135048349 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.
