Liberty Mutual Personal Insurance Company and Peerless Indemnity Insurance Company have filed for a 1.8% rate increase to their Texas homeowners insurance program, effective for renewal policies on or after August 30, 2026. The filing revises H3 homeowners base rates across all territories, with the changes applied uniformly statewide.

According to the filing, the companies’ latest actuarial indication supports a 13.3% rate increase, but the proposed filing takes a smaller overall rate impact of 1.8%. Liberty Mutual said the change is intended to update homeowners base rates while maintaining consistent territorial treatment.

The filing affects approximately 44,483 Liberty Mutual policyholders representing about $182.7 million in written premium, with an estimated premium increase of $3.25 million. Peerless Indemnity’s portion of the book includes 146 policyholders and about $612,000 in written premium, with an estimated premium increase of roughly $10,900.