Encompass Insurance Company, part of Allstate, has filed updates to its Custom360 personal lines program in Georgia, including a 14.2% rate decrease for renters insurance (HO4).

The filing was submitted on January 15, 2026 and acknowledged by regulators on February 4, 2026. The changes take effect February 23, 2026 for new business and April 24, 2026 for renewals.

The changes apply to Encompass’s Custom360 homeowners platform, which includes homeowners, condo, renters, and landlord policies. According to the filing, the book of business only recently opened, launching on September 29, 2025, and had written five policies through December 15, 2025.

For renters coverage specifically, the filing revises several rating elements used in premium calculations, including:

• Component base premiums and fixed expense premiums

• Package discount factors

• Welcome discount factors that phase down over five years

• Payment class factors, aligning escrow payment factors with installment payment factors

The updated rating structure includes a base premium of $30 for HO4 renters policies, along with revised component factors used to determine the final premium.

The broader filing also includes rate reductions across other personal property lines:

• Homeowners (HO3 / HNP5): –26.0%

• Condo (HO6): –14.4%

• Renters (HO4): –14.2%

• Landlord (LP1): –10.1%

The revisions are based on business and competitive considerations, with changes focused on pricing components and discount structures rather than territory or deductible factors.

The filing suggests Encompass is still calibrating pricing shortly after entering the Georgia renters market, adjusting rates as the program begins to scale.