A Tennessee Homeowners Filing Posted a 10% Increase — Some Policies Can Move 24.4%

Tennessee’s Department of Commerce and Insurance posted a homeowners filing from Lemonade Insurance Company, SERFF LEMO-134845419, disposition March 20, 2026. Overall rate impact is 10.000%. Individual impacts run from 0.000% to 24.400% across 2,088 policies. Coverage line: 04.0000 Homeowners Sub-TOI Combinations.

A 10% headline is not a 10% invoice. It is a book-level average. Your renewal can land anywhere in that filed range.

This is not the Erie 10% Dec. 1 post already on the blog, and it is not the Aug. 15 6% decrease. Different carrier, different SERFF, different book.

What a Tennessee homeowner should do

1. Compare the renewal offer to the current declarations page line by line — premium, limits, deductibles, endorsements.
2. Ask in writing which rating variables moved.
3. Check the billed percentage against the filed 0.000%–24.400% range on SERFF LEMO-134845419.
4. Separate a rate-filing change from a limit, deductible, discount, or endorsement change.
5. If the percentage still cannot be reconciled, TDCI Consumer Insurance Services is 615-741-2218.

This article is informational. It does not promise coverage, eligibility, or a savings amount.

Frequently asked questions

What numbers did TDCI post?

Lemonade Insurance Company, SERFF LEMO-134845419, coverage 04.0000 Homeowners Sub-TOI Combinations, disposition March 20, 2026. Overall 10.000%; max 24.400%; min 0.000%; 2,088 policies. From TDCI’s live homeowners-rate table.

Does 10% mean every policy goes up 10%?

No. 10.000% is the book-level overall. Individual impacts run 0.000% to 24.400%.

How is this different from Erie 10% and the Aug. 15 6% decrease?

Different company, different SERFF, different book.

Sources

• TDCI — Monthly Homeowners Policy Rates
• TDCI homeowners-rate DataTable JSON
• SERFF Filing Access — Tennessee

Seasons change. So should your coverage. Informational only — not a coverage or eligibility promise.