The Tennessee Department of Commerce and Insurance (TDCI) publishes a monthly table of homeowners rate changes filed through SERFF. In the table labeled “As of September 2026,” MemberSelect Insurance Company lists an overall rate impact of 0.000%, with individual changes from −1.000% to 15.000% on 11,712 policies.
| Item | TDCI table entry |
|---|---|
| Company | MemberSelect Insurance Company (NAIC 21229) |
| SERFF tracking number | FABF-134835324 |
| Coverage type | 04.0000 Homeowners Sub-TOI Combinations |
| Disposition date | 06/16/2026 |
| Overall rate impact | 0.000% |
| Minimum / maximum | −1.000% / 15.000% |
| Policies affected | 11,712 |
Source: TDCI Monthly Homeowners Policy Rates, table as of September 2026.
Zero overall is not the same as zero for everyone
The overall percentage is an average. A filing can shift price between groups of homes and still average out to zero. The minimum and maximum columns are where that story shows up. Here the printed band runs from a 1% decrease to a 15% increase.
This homeowners row is separate from MemberSelect’s private passenger auto filing already listed on TDCI’s auto table. Match the company name and the coverage type on your declarations page before you compare numbers.
Steps if you hold one of these 11,712 policies
- Put this year’s and last year’s declarations pages side by side.
- Confirm dwelling limit, personal property, liability, deductibles, and any endorsements.
- Ask what portion of any change comes from the filing versus a coverage or claim change.
- Look up FABF-134835324 on SERFF Filing Access for Tennessee.
How to read the table: 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 0% homeowners filing with a wide individual range, see Travelers Personal’s 0% Tennessee homeowners filing still prints a 17.400% individual ceiling. MemberSelect’s auto-side 0% filing is covered separately at A 0% Tennessee Auto Filing Still Lets Drivers Move 12.300% — 11,285 Policies Are on That Book.
If you are weighing a higher deductible after a renewal surprise, start with Understanding Home Insurance Deductibles in Tennessee: How to Choose the Right Amount and Avoid Costly Surprises. TDCI also accepts consumer complaints online when an insurer conversation stalls.
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.
- Travelers Personal’s 0% Tennessee homeowners filing still prints a 17.400% individual ceiling.
- A 0% Tennessee Auto Filing Still Lets Drivers Move 12.300% — 11,285 Policies Are on That Book
- 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 MemberSelect Insurance Company on homeowners?
TDCI's September 2026 homeowners table lists SERFF FABF-134835324, Homeowners Sub-TOI Combinations, disposition 06/16/2026, overall 0.000%, minimum −1.000%, maximum 15.000%, and 11,712 policies affected.
If the overall change is 0%, why can my premium go up?
The overall figure is an average. Individual changes on this filing run from −1.000% to 15.000%.
Is this the same as MemberSelect’s auto filing?
No. This row is homeowners Sub-TOI Combinations on the homeowners table. MemberSelect also has a separate private passenger auto filing on TDCI's auto table.
When was the filing dispositioned?
The TDCI table lists a disposition date of 06/16/2026.
How do I look up the filing?
Use SERFF tracking number FABF-134835324 on SERFF Filing Access for Tennessee after checking TDCI's Monthly Homeowners Policy Rates page.
Will my policy go up 15%?
Not necessarily. 15.000% is the maximum the table prints. Your own change depends on how the filing applies to your home and on coverage or claim changes.
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.
