Cincinnati Insurance has filed revised rules and rates for its Texas Homeowner Program, effective July 1, 2026 for both new and renewal business.

The update expands the list of policy types eligible for Incidental Farming Personal Liability coverage but does not change the rating factors tied to that coverage.

Cincinnati outlines use of third-party data and predictive models for pricing and underwriting, including LexisNexis tools such as Attract One, CLUE Auto & Property, Property Data Prefill, PB Risk Data, Current Carrier Property, Driver Discovery, and multiple environmental risk datasets (Earthquake, Fire Station proximity, Flood Risk Pro, U.S. Flood).

FEMA resources — DFIRM maps, base flood elevations, and flood hazard area classifications — also feed into the company’s geospatial risk assessments.

The filing notes that this data supports underwriting operations for Cincinnati’s call-center-based captive agent distribution model.