Branch Insurance Exchange has filed a rate and rule update for its Texas homeowners product (BIX TX HO), introducing changes to base rates and related rating components. The filing was submitted on March 18, 2026, with an effective date of March 27, 2026, for new business and May 11, 2026, for renewals.

The overall impact is a 4.1% rate decrease, following a prior +10.9% revision in June 2025. The program covers 2,532 policyholders and about $11.2 million in written premium, translating to a projected premium reduction of roughly $484,000.

Rate changes vary significantly at the individual level, ranging from a 46.6% decrease to a 67.9% increase, indicating a redistribution of pricing rather than a flat cut.

The filing also replaces the existing Texas homeowners rate manual and updates key rating components, including territorial relativities and premium factors across protection classes and geographic zones.

The move points to a continued recalibration of Branch’s Texas homeowners book, with more granular pricing tied to localized risk.