Privilege Underwriters Reciprocal Exchange has two 2026 homeowners filings on the Tennessee Department of Commerce and Insurance (TDCI) monthly rate table, labeled As of October 2026. The newer filing, with an August 7 disposition date, lists an overall rate impact of 0.600% on 1,289 Tennessee policies. The June filing lists 0.000% overall on 3,185 policies.
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 | August 2026 filing | June 2026 filing |
|---|---|---|
| Company | Privilege Underwriters Reciprocal Exchange (NAIC 12873) | Privilege Underwriters Reciprocal Exchange (NAIC 12873) |
| SERFF tracking number | PRIV-135029126 | PRIV-134937939 |
| Type of coverage | 04.0000 Homeowners Sub-TOI Combinations | 04.0000 Homeowners Sub-TOI Combinations |
| Disposition date | 08/07/2026 | 06/17/2026 |
| Overall rate impact | 0.600% | 0.000% |
| Maximum rate impact | 15.000% | 14.900% |
| Minimum rate impact | 0.000% | -34.300% |
| Policies affected | 1,289 | 3,185 |
Source: TDCI Monthly Homeowners Policy Rates data table.
Why the range matters more than the average
An overall rate impact is an average across the policies in the filing. The June filing shows why that matters: the average is 0.000%, but the table lists a maximum of 14.900% and a minimum of -34.300%. Two homeowners covered by the same filing could see very different renewals. The August filing has a narrower spread, from 0.000% to 15.000%, so the table lists no decrease for any policy in that filing.
None of these numbers tells you what your own renewal will be. Your premium depends on your home, your coverage choices, and the insurer's rating rules. If you want to read the table yourself, start with 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.
A notice rule for automatic payments
Many homeowners pay by automatic bank draft and rarely look at the amount. Tennessee Code § 56-7-118 says any insurance company that increases its premiums must give 30 days' notice of the increase to a customer whose account is paid by bank draft or preauthorized check. If you pay that way, watch your mail and email in the month before renewal, and compare the new amount with your declarations page.
What to check at renewal
- Compare your new declarations page with last year's: TDCI glossary: what your insurance declarations page shows.
- Look at what is driving Tennessee home insurance costs: Tennessee Now Has the 7th-Highest Home Insurance Costs in America — $3,408 a Year
- Know the notice rules if a policy will not renew: Tennessee law gives you at least 30 days' notice before your home insurer can decline to renew your policy.
- Understand grace periods before a payment is missed: TDCI’s glossary explains the usual 31-day insurance premium grace period.
- If something looks wrong, know how to reach the state: How Tennesseans file an insurance complaint with TDCI’s Consumer Insurance Services.
This article is informational only. It summarizes public TDCI rate table entries and Tennessee Code § 56-7-118 and does not predict any individual premium or promise coverage or eligibility.
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.
- 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.
- TDCI’s glossary explains the usual 31-day insurance premium grace period.
- 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 Privilege Underwriters Reciprocal Exchange file for Tennessee homeowners in August 2026?
TDCI's table lists filing PRIV-135029126, disposition 08/07/2026, with a 0.600% overall rate impact on 1,289 policies.
What did the June 2026 filing show?
Filing PRIV-134937939, disposition 06/17/2026, lists a 0.000% overall impact on 3,185 policies, with a range from 14.900% to -34.300%.
Does a 0% average mean my premium will not change?
No. The June filing averages 0.000% but lists a maximum of 14.900% and a minimum of -34.300%, so individual policies can move either way.
Where does TDCI get this rate information?
TDCI says the table shows homeowners rate change information filed by insurers in Tennessee through SERFF, the System for Electronic Rate and Form Filing.
Do I get notice of a premium increase if I pay by bank draft?
Tennessee Code 56-7-118 says an insurer that increases premiums must give 30 days' notice to a customer whose account is paid by bank draft or preauthorized check.
What is the maximum rate impact in the August filing?
The TDCI table lists a 15.000% maximum and a 0.000% minimum for filing PRIV-135029126.
Will this filing affect every Tennessee homeowner?
No. The table ties each filing to one company's policies; the August filing lists 1,289 policies affected and the June filing lists 3,185.
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.
