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The Texas Insurance Toolkit

Did My Insurance Company File for a Rate Change?

Every Texas home and auto rate filing is public the day the Texas Department of Insurance receives it. Pick Home or Auto, type the exact company name from your declarations page, and read what it filed, by how much, and when it reaches renewals.

Use the company name on your declarations page, never just the group. One group can hold several companies, and each one files on its own.

Texas home filings with a rate change in 2026 so far

 

Loading filings from the Texas Department of Insurance.

Data from the Texas Department of Insurance on the Texas Open Data Portal, updated daily. The percent is TDI's estimate of the average change for a company's existing policyholders, and your own renewal can land above it or below it.

How to read what you found

  • The percent

    TDI's estimate of the average change across everyone that company already insures in Texas. Your own renewal can land above it or below it, because carriers price by segment, the ZIP, the roof's age, the claims history, the credit tier.

    An average, never your bill.

  • The status

    Texas is a file and use state. A company can start charging a filed rate while TDI reviews it. Pending means the review is open. Closed, reviewed means it is finished. If TDI later finds a rate too high, it can order refunds.

    Pending still counts.

  • The dates

    New business is the day the rate starts for new customers. Renewals from is the day it reaches people already on the books, which is the date that matters to you.

    Renewals from is your date.

Heads up and budgeting only

A statewide 2 percent on the filing can be zero in Spring and 8 percent on Galveston Beach, because every carrier prices by segment and risk pool. Use the filing to brace, to budget, and to ask better questions at renewal. The filing is the market's number. Your renewal is yours.

What a filing is, and what it is not

The market moves the rate. Your house moves the bill. You did not file a claim, and the price of the promise still went up, because every carrier in Texas is repricing the same storms, the same roofs, and the same rebuild costs at once.

Your price has reasons. You are allowed to know them. A filing is one of those reasons, and it is the one you can look up tonight. The rest live on your renewal, and that is the page I read with you.

Charles McDade, LUTCF

Check the company itself

A filing tells you the price is moving. Four other public records tell you who is moving it and how steady they are.

Pick a carrier the way you pick a bank, by what it keeps in reserve for the worst day.

Charles McDade, LUTCF

When you want a second set of eyes, raise your hand

Shopping for insurance has never been more complicated. A filing, a renewal, a mailer, and a quote can land in the same month and disagree with each other. Raising your hand costs nothing and commits you to nothing. About 40 percent of the time we tell homeowners to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family. You are allowed to check.

  • Home renewal in hand

    Send it when you are ready. We read it against the filing, the roof settlement, the deductibles, and the water coverage, and tell you plainly what moved and why. Staying is a fine answer, and we say so when it is.

    Check My Home Renewal

  • Auto renewal in hand

    Send it when you are ready. We read it against the filing and the liability, uninsured motorist, and PIP limits that decide your worst day, and tell you if the number is fair.

    Check My Auto Renewal

Our goal is to be the most knowledgeable, the most caring, and your favorite insurance agent, not the cheapest.

The audit is free. The decision is yours. No broker fees for personal lines clients.

Questions readers ask

My company filed a 2 percent increase. Will my premium go up 2 percent?

Rarely to the decimal. The filing's percent is the average across everyone that company already insures in Texas. Carriers then price by segment, so a home on Galveston Beach and a home in Spring can see different numbers from the same filing, one well above the average and one at zero. Treat the filing as a heads up and a budgeting tool. Your renewal offer is the number that is yours.

What does Pending mean?

TDI is still reviewing the filing. Texas is a file and use state, so a company can begin charging a filed rate before the review is finished. If TDI finds a rate too high, it can require refunds to the people who were overcharged.

Why can't I find my company?

Search the company name on your declarations page, never the group name. One group can hold several companies, and each one files on its own. Try part of the name, and widen the window to all years. A filing with no percent changed rules only, and the lookup leaves those out.

Does a filing mean my rate will change at renewal?

Only if your policy sits in that company and that product. Your own renewal also moves for reasons the filing never sees, the roof's age, a claim, your insurance score, and the rebuild number. The filing is one reason. Your renewal offer carries all of them.

Is a company that filed a decrease a better buy?

Sometimes. A decrease from a strong carrier is a sale. A decrease from a thin carrier can be a bet it is placing with your premium. Check the AM Best grade, then compare the contract, the roof settlement, and the deductibles, and decide contract against contract.

How current is this lookup?

TDI updates the dataset daily, and a filing appears the day TDI receives it. This page reads the data live each time it loads. If the lookup cannot reach TDI, TDI's own table loads in its place.

Keep going

Sources worth opening before you decide

The purpose is to help the reader ask better questions before claim time.