The Tennessee Department of Commerce and Insurance publishes monthly homeowners insurance policy rate-change information filed through the System for Electronic Rate and Form Filing. The table current as of June 2026 — last updated August 4, 2026, at 8:56 a.m. — lists Wesco Insurance Company under SERFF tracking number PERR-134966210. The type of coverage is 04.0004 Tenant Homeowners. The disposition date is June 17, 2026. The overall rate impact is 0.000%. The maximum rate impact is 0.000%. The minimum rate impact is 0.000%. The listing shows 0 policies affected.
That last column is the story. TDCI printed a true-zero on a tenant-homeowners row and printed a policy count of 0. This is not the live Lemonade 10.000% homeowners row on 2,088 policies. It is not the live Cincinnati 5.545% homeowners row on 4,089 policies. It is not the live Celina −3.700% homeowners row on 2,709 policies. Different company. Different SERFF. Different coverage type. This article is about PERR-134966210.
By All Seasons Insurance Group
What did Tennessee post on SERFF tracking number PERR-134966210?
TDCI says it posts the monthly homeowners table “to help consumers better understand and compare rate changes among insurers.” Wesco Insurance Company carries NAIC company code 25011. The coverage code is 04.0004 Tenant Homeowners, not 04.0000 Homeowners Sub-TOI Combinations. Tenant homeowners is the renters form on this table. It is not a dwelling HO-3 row.
Those figures come from the live DataTable behind the public page. TDCI prints company name, NAIC code, SERFF tracking number, type of coverage, disposition date, overall rate impact, maximum, minimum, and policies affected.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Minimum | Maximum | Policies affected |
|---|---|---|---|---|---|---|---|---|
| Wesco Insurance Company | 25011 | PERR-134966210 | 04.0004 Tenant Homeowners | 06/17/2026 | 0.000% | 0.000% | 0.000% | 0 |
Source: TDCI Monthly Homeowners Policy Rates, table current as of June 2026; live rows in the page DataTable JSON. Page last updated August 4, 2026, at 8:56 a.m. Figures copied from that JSON. No other percentages added. The JSON prints the policy count as 0.
Wesco is named only because that row is public on TDCI. This article does not say the carrier will quote, renew, or remain available in East Tennessee. It does not say any renter is on this book.
Does a 0.000% tenant-homeowners filing mean Tennessee renters stay flat?
No. Not from this row. The policies-affected field is 0. TDCI printed a true-zero overall, maximum, and minimum on an empty count. A 0.000% headline on zero policies is not a statewide renters freeze. It is not a promise that a Knoxville, Maryville, or Nashville apartment premium will stay the same.
Do not copy a Lemonade 24.400% homeowners ceiling onto a renters renewal. Do not copy a Cincinnati 53.793% homeowners ceiling onto PERR-134966210. Do not copy a Celina 0.300% homeowners maximum onto a tenant form. Those three live rows are 04.0000 Homeowners Sub-TOI Combinations. This row is 04.0004 Tenant Homeowners. Read the coverage type before you read the percentages.
The table does not print a household premium or a new-business versus renewal effective date. It prints a disposition date: 06/17/2026. The renewal offer prints the new premium. The current declarations page prints what is already in force. This article does not forecast what any reader will pay.
How is this different from the Lemonade, Cincinnati, and Celina homeowners rows?
The June 2026 homeowners table has four rows. Three of them are dwelling homeowners, coverage 04.0000. This one is tenant homeowners, coverage 04.0004.
- Lemonade Insurance Company, NAIC 16023, SERFF LEMO-134845419, disposition March 20, 2026: 10.000% overall, 0.000% to 24.400%, 2,088 policies. Live article: A Tennessee Homeowners Filing Posted a 10% Increase — Some Policies Can Move 24.4%.
- The Cincinnati Insurance Company, NAIC 10677, SERFF CNNB-134761578, disposition February 20, 2026: 5.545% overall, 0.000% to 53.793%, 4,089 policies. Live article: Cincinnati’s 5.545% Tennessee Homeowners Filing Still Allows a 53.793% Increase — 4,089 Policies.
- The Celina Mutual Insurance Company, NAIC 20176, SERFF CEIN-134915668, disposition April 30, 2026: −3.700% overall, −16.700% to 0.300%, 2,709 policies. Live article: Celina Mutual Filed a 3.700% Tennessee Homeowners Decrease — Some Policies Can Still Move 0.300% Up.
- This Wesco row: NAIC 25011, SERFF PERR-134966210, 04.0004 Tenant Homeowners, disposition June 17, 2026, 0.000% / 0.000% / 0.000%, 0 policies.
Four rows. One tenant form. Zero policies on that tenant form. If a renewal notice says “the company filed 0%” and does not print a SERFF number or a coverage type, look the form up. A tenant policy is not a dwelling policy. Our Knoxville renters guide is a coverage conversation, not this SERFF number.
What does a 0 policy count on a 0.000% row actually mean?
It means TDCI printed 0 in the policies-affected column for this SERFF. It does not mean every Tennessee renter is on Wesco. It does not mean Wesco has no renters policies anywhere. It means the public monthly table lists this filing against a count of 0. The table does not explain why the count is 0. This article does not invent a reason.
A renter’s declarations page is still the contract summary: personal property limit, liability, deductibles, and the premium in force. A landlord’s policy is not the renter’s policy. TDCI’s Homeowners Insurance 101 hub is blunt that renters insurance protects personal property and that a landlord’s policy protects the building. None of that is this SERFF row. None of that is a coverage promise.
If a renter is not with Wesco, PERR-134966210 does not describe that premium. If a renter is with Wesco, the printed individual range on this row is 0.000% to 0.000% on a count of 0. That is not a household forecast. Compare the renewal to the current declarations page. Do not round. Then read the percent against 0.000%, 0.000%, and 0.000%, and against the fact that TDCI listed 0 policies.
How can a Tennessee renter look this filing up?
Start on the public table. Open TDCI Monthly Homeowners Policy Rates. The page header says “As of June 2026.” Find Wesco Insurance Company, NAIC 25011, SERFF PERR-134966210, and coverage 04.0004 Tenant Homeowners. Confirm that overall, minimum, and maximum all print 0.000% and that policies affected prints 0.
To read the filing itself, use SERFF Filing Access for Tennessee. TDCI says certain rate and form filings are available there for public review. Saving or printing through SFA is free of cost. The department also keeps a public kiosk for in-person review during normal business hours. Printing at that kiosk costs 50 cents per page. For an appointment, the portal lists (615) 741-2825 and [email protected]. Help finding a filing: (615) 741-5074, Monday through Friday during normal business hours. TDCI links SERFF Filing Access from its Homeowners Insurance 101 hub.
What should a Tennessee renter actually do this week?
Do the paperwork, not the guesswork. A 0.000% / 0.000% / 0.000% row with 0 policies is still a public row. It is not a reason to skip the declarations page.
- Pull the current declarations page — the page, not a cropped phone photo of a premium total. Confirm whether the form is renters / tenant homeowners or a dwelling homeowners policy.
- Pull the renewal offer for the same policy number.
- Line them up: personal property limit, liability, deductibles, listed location, and the premium.
- If the only material change is the premium, compute the percent change. Do not estimate. Do not round.
- Open the TDCI monthly homeowners-rate table. For this Wesco tenant row the printed numbers are 0.000%, 0.000%, and 0.000% on 0 policies, disposition June 17, 2026. If the issuing company is not Wesco, this row is not the explanation.
- If the percent change is not 0.000% and the page otherwise matches, write down both premiums, the exact percent, SERFF PERR-134966210, NAIC 25011, and the June 17, 2026 disposition date. Then use the TDCI complaint path below.
- A free policy review or quote is available from All Seasons Insurance Group at asigtn.com/get-a-quote or 865-263-1400. That is not a Wesco quote and not a coverage promise.
What if a billed change does not match this printed row?
TDCI Consumer Insurance Services exists to educate consumers and mediate insurance-related disputes. Investigators determine whether the insurance company or producer is acting in accordance with Tennessee laws, rules, and regulations. Consumers who have an issue with their insurance company can file a complaint on the online insurance complaint form, or print the form and mail or fax it. The policy must have been written in Tennessee. Mail goes to Consumer Insurance Services, 500 James Robertson Parkway, 10th Floor, Nashville, TN 37243. Questions: 615-741-2218 or 1-800-342-4029.
Bring the two premiums, the percent change, the declarations page, the renewal offer, SERFF PERR-134966210, and NAIC 25011. Do not send an AI-generated summary as the complaint. TDCI warns that AI tools can generate inaccurate information about insurance topics and that incorrect AI material can slow a complaint because the Division has to fact-check it.
What does a 0.000% tenant filing on 0 policies actually tell a renter?
It tells you the June 2026 homeowners table has a tenant-homeowners row that is not the Lemonade, Cincinnati, or Celina dwelling rows. The state posted Wesco Insurance Company, NAIC 25011, SERFF PERR-134966210, coverage 04.0004, 0.000% three times, and 0 policies. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price. It tells you not to paste a 10.000%, 5.545%, or −3.700% dwelling number onto a renters form, and not to treat a 0 policy count as a statewide freeze.
Read the coverage type as it was printed. Then put this week’s renewal next to the current declarations page.
Seasons change. So should your coverage.
All Seasons Insurance Group can sit a current declarations page next to a renewal offer and walk the filed minimum, overall, and maximum. That is a free policy review or quote — not a coverage promise and not a guarantee of eligibility or price. Call 865-263-1400 or request it at https://asigtn.com/get-a-quote/.
This article is informational only. It does not promise coverage, price, eligibility, or that any filing will change a specific reader’s premium.
