The Tennessee Department of Commerce and Insurance publishes a Monthly Homeowners Policy Rates table so consumers can see company rate-change filings made through SERFF. The page opened for this article still stamps “As of June 2026” and carries a last-modified meta of August 4, 2026, 8:56 a.m. CDT. Four company rows appear on that stamp.
This is a how-to for reading the table—not a shopping quote. Informational only. No coverage, price, or eligibility promises.
By All Seasons Insurance Group
What is TDCI’s monthly homeowners rate table?
TDCI says the page provides monthly homeowners insurance policy rate change information filed by insurers in Tennessee through SERFF and made available to help consumers better understand and compare rate changes among insurers. It is a public ledger of dispositions, not a binder.
Which columns appear on the homeowners table?
Company_Name, NAIC_Company_Code, SERFF_Tracking_#, Type_Of_Coverage, Disposition_Date, Overall_Rate_Impact_%, Maximum_Rate_Impact_%, Minimum_Rate_Impact_%, and Policies_Affected. Read all three impact columns. The overall percent is not a guarantee every policy moves the same way.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Max | Min | Policies |
|---|---|---|---|---|---|---|---|---|
| The Celina Mutual Insurance Company | 20176 | CEIN-134915668 | 04.0000 Homeowners Sub-TOI Combinations | 04/30/2026 | -3.700 % | 0.300 % | -16.700 % | 2709 |
| The Cincinnati Insurance Company | 10677 | CNNB-134761578 | 04.0000 Homeowners Sub-TOI Combinations | 02/20/2026 | 5.545 % | 53.793 % | 0.000 % | 4089 |
| Lemonade Insurance Company | 16023 | LEMO-134845419 | 04.0000 Homeowners Sub-TOI Combinations | 03/20/2026 | 10.000 % | 24.400 % | 0.000 % | 2088 |
| Wesco Insurance Company | 25011 | PERR-134966210 | 04.0004 Tenant Homeowners | 06/17/2026 | 0.000 % | 0.000 % | 0.000 % | 0 |
Source: TDCI homeowners-rates DataTable JSON matching the June 2026 stamp on the public page. If TDCI publishes a newer month later, re-open the page before you cite a percent.
Which companies appear on the June 2026 homeowners stamp?
Celina Mutual (−3.700% overall), Cincinnati (+5.545%), Lemonade (+10.000%), and Wesco tenant homeowners (0.000%). We have separate posts on each filing. This guide is the map legend for the table itself.
Does an overall rate impact mean every policy moves by that percent?
No. Look at Celina: overall −3.700%, but the maximum is +0.300% and the minimum is −16.700%. Cincinnati’s overall +5.545% sits under a +53.793% maximum. Your renewal can land anywhere inside the printed band—or on a different program if you are not in the affected book.
How do I verify a row in SERFF Filing Access?
Copy the SERFF_Tracking_# exactly. Open Tennessee SERFF Filing Access. Search the company name plus tracking number. Confirm Overall, Maximum, and Minimum Rate Impact% and the disposition date before you text a neighbor a single overall percent. Our SERFF how-to walks the auto and general lookup path.
Is the homeowners table the same as the auto table?
No. TDCI keeps a separate Monthly Auto Policy Rates page. Different URL, different rows, different SERFF tracking numbers. Mixing them is how a tenant homeowners 0.000% filing gets mislabeled as an auto decrease.
Where is the official TDCI homeowners rates page?
tn.gov/.../homeowners-rates.html. Note the “As of” month at the top and the page last-modified stamp. Re-open it the day you cite a number.
Does this guide quote a price for my house?
No. It teaches the columns. Bring your declarations page to a free policy review if you want a human to compare forms—not a promise your renewal matches Celina, Cincinnati, Lemonade, or Wesco.
Seasons change. So should your coverage.
Call All Seasons Insurance Group at 865-263-1400 or request a review at https://asigtn.com/get-a-quote/.
This article is informational only. It does not promise coverage, price, or eligibility.
