Homesite Insurance Company has a new homeowners rate filing on the Tennessee Department of Commerce and Insurance (TDCI) monthly rate table. The table, labeled As of October 2026, lists an overall rate impact of -4.800% for the filing, with 29,803 Tennessee policies affected.
TDCI says the page shows homeowners rate change information filed by insurers through the System for Electronic Rate and Form Filing (SERFF), posted to help consumers compare rate changes among insurers.
| Field | TDCI table entry |
|---|---|
| Company | Homesite Insurance Company (NAIC 17221) |
| SERFF tracking number | HMSS-135096824 |
| Type of coverage | 04.0000 Homeowners Sub-TOI Combinations |
| Disposition date | 10/07/2026 |
| Overall rate impact | -4.800% |
| Maximum rate impact | 3.600% |
| Minimum rate impact | -20.700% |
| Policies affected | 29,803 |
Source: TDCI Monthly Homeowners Policy Rates, As of October 2026.
What the three rate numbers mean for one policy
The overall figure is an average across the policies in the filing. The maximum and minimum show the edges of the range. Here that range runs from a 3.6% increase to a 20.7% decrease, which means two Homesite policyholders on the same street could see different changes at renewal.
A filed rate change is also only one piece of a renewal. Coverage limits, deductibles, the age and condition of the home, and claims history can all move the final premium. If you want a refresher on reading the table itself, see How to read Tennessee’s monthly homeowners rate table on TDCI’s website.
Homesite had an earlier Tennessee homeowners filing on the same table this year: Homesite’s 0.000% Tennessee homeowners filing still covers 29,803 policies with a flat printed band.
How to check your own renewal
- Compare this year's and last year's declarations pages line by line, including the dwelling limit and deductible: TDCI glossary: what your insurance declarations page shows.
- Ask whether the filing applies to your policy form and when it takes effect on your renewal.
- Look up the filing yourself using the SERFF tracking number above: How Tennesseans look up insurance rate filings on SERFF Filing Access and TDCI’s monthly tables.
- For a wider view of 2026 filings in the state: Tennessee Now Has the 7th-Highest Home Insurance Costs in America — $3,408 a Year
- If you receive a nonrenewal instead of a renewal, Tennessee notice rules apply: Tennessee law gives you at least 30 days' notice before your home insurer can decline to renew your policy.
- If you have a concern about how an insurer handled your policy, TDCI takes complaints: How Tennesseans file an insurance complaint with TDCI’s Consumer Insurance Services.
This article is informational only. It reports a public TDCI table entry and does not predict your premium or promise coverage or eligibility. Your policy and your insurer's renewal notice control.
Related reading from All Seasons
- Homesite’s 0.000% Tennessee homeowners filing still covers 29,803 policies with a flat printed band.
- 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.
- Tennessee Now Has the 7th-Highest Home Insurance Costs in America — $3,408 a Year
- TDCI glossary: what your insurance declarations page shows.
- Tennessee law gives you at least 30 days' notice before your home insurer can decline to renew your policy.
- How Tennesseans file an insurance complaint with TDCI’s Consumer Insurance Services.
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 Homesite file for Tennessee homeowners insurance?
TDCI's October 2026 table lists Homesite Insurance Company filing HMSS-135096824 with a -4.800% overall rate impact.
How many Tennessee policies does the Homesite filing affect?
The TDCI table lists 29,803 policies affected.
Does a -4.8% overall impact mean my premium drops 4.8%?
Not necessarily. The overall figure is an average. The table lists a range from a 3.600% maximum to a -20.700% minimum.
When was the Homesite filing dispositioned?
The TDCI table lists a disposition date of 10/07/2026.
Where does TDCI get these rate numbers?
TDCI says the page shows rate change information filed by insurers in Tennessee through SERFF.
What type of coverage is the filing for?
The table lists the type of coverage as 04.0000 Homeowners Sub-TOI Combinations.
What else can change my homeowners renewal premium?
Limits, deductibles, the home's details, and claims history can all affect a renewal. Compare your declarations pages and ask your agent.
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.
