Allstate has filed for an overall 8% rate level increase for its Owner Occupied Homeowners program in Texas, with proposed effective dates of January 26, 2026 for new business and March 12, 2026 for renewals.

The filing covers 851,934 policyholders and reflects $2.76 billion in latest-year direct written premium. A key driver is a revision to Net Cost of Reinsurance (NCOR) rate adjustment factors, targeting a 19.6% premium charge, alongside continued pressure from catastrophe exposure and reinsurance costs.

Allstate references multiple vendors and industry partners in the filing, including CoreLogic, Aon, Property Loss Research Bureau (PLRB), and Verisk. The filing also mentions technology tied to Milewise/pay-as-you-go (PAYG) premium capabilities.

The request follows several years of rate increases in Texas homeowners, including 4% in 2025, 6.7% and 12.5% in 2024, 5.8% in 2023, and 24.1% in 2023, underscoring sustained pricing pressure in the state’s homeowners market.