Changes Effective 12/15/2025

For renewal policies effective 12/15/2025 and later, and new applications created on 12/15/2025 and later, the following changes are being made.

For the Homeowners line, the premium credits given for each deductible level are being changed. You will see the most impact for deductibles of $2,000 and higher, but overall, the change will cause an average rate increase for the entire Homeowners line of 2.2%.

Also, higher deductible amounts will be available. They are $7,500, $10,000, and $12,500.



For renewal policies effective 12/15/2025 and later, and new applications created on 12/15/2025 and later, the following changes are being made.

For the Agri-Pak line, the premium credits given for each deductible level are being changed. You will see the most impact for deductibles of $2,000 and higher, but overall, the change will cause an average rate increase for the entire Agri-Pak line of 6.9%.

Also, higher deductible amounts will be available. They are $7,500, $10,000, and $12,500.



For renewal policies effective 12/15/2025 and later, and new applications created on 12/15/2025 and later, the following changes are being made.

For the Homeowners line, the territory rating factors are being changed slightly. See the below table.

Note that some territory factors go up and some go down, but overall, the change will be "premium neutral." Meaning the average rate change for the entire Homeowners line is 0.0%.

Click here to see the new factors by county.

Territory                 New Factor                 Old Factor                    

    1                                 .89                             .89

    2                                 1.15                           1.13

    3                                 .91                             .89

    4                                 1.04                         1.04

    5                                 1.17                           1.15

    6                                 1.15                           1.15

    7                                 .89                             .97



For renewal policies effective 12/15/2025 and later, and new applications created on 12/15/2025 and later, the following changes are being made.

For the Homeowners and Agri-Pak lines, the Windstorm or Hail minimum deductible on a policy will be based on the Coverage A - Dwelling limit. See the below table.

Note that premium discounts will be applied for the higher deductible amounts.

Coverage A Limit                                            Minimum WH Deductible

Less than or equal to $199,999                                 $1,500

$200,000 - $299,999                                                     $2,000

$300,000 - $399,999                                                     $2,500

$400,000 - $599,999                                                     $5,000

$600,000 - $799,000                                                     $7,500

$800,000 - $999,999                                                     $10,000

Greater than or equal to $1,000,000                           $12,500

If the Windstorm or Hail deductible on an existing policy is already equal to or greater than the above minimums, the deductible will not be changed.



For renewal policies effective 12/15/2025 and later, and new applications created on 12/15/2025 and later, the following changes are being made.

For the Dwelling Property line, all property and liability rates are increasing by 6.5%.