Homesite has filed updates to its Texas homeowners program, introducing more granular roof-level analytics and a new solar panel rating variable while keeping the overall rate impact neutral.

The update replaces Homesite’s existing roof score with a new Roof Features framework that incorporates seven variables, including roof condition, geometry, size, discoloration, facet count, extensions, and tree overhang.

Homesite is also introducing a solar panel rating variable, applied across multiple perils including wind, hail, hurricane, and water, with updated hail relativities tied to solar-equipped properties.

Territorial rating is being restructured as well. Homesite is neutralizing county, ZIP code, and location ID factors for non-weather perils and shifting to Census Block Group–level territory factors, modeled using five years of companywide experience and subsequently smoothed and clustered.

Additional changes include updated wind and hail factors for roof age and new roof discounts, neutralization of certain wind and hail factors tied to square footage per story, and adjustments to partner affinity discounts based on a three-year loss ratio analysis. Deductible factors were recalculated using a ten-year loss elimination ratio study, and water backup coverage now reflects deductible interactions across selected limits.

The filing also confirms the use of third-party data sources including CAPE Analytics for roof imagery and features, Verisk and Precisely for property attributes, and TransUnion for credit-based inputs, with consumers able to verify or modify prefilled data during underwriting.

The filing impacts 241,762 Texas homeowners policies representing $786.6 million in written premium, with an estimated premium change of negative $166,634, resulting in an overall 0.0% rate impact for the program.