Metromile Insurance Company filed a rate update in Arizona for its Homeowners By Peril program, revising multi policy bundle discounts for owner occupied HO3 coverage. The changes were submitted on February 18, 2026, with an effective date of March 10, 2026, under the state’s use and file framework.

The filing is rate neutral overall, with no change to total premium level, policyholder count, or written premium. Instead, the update modifies discount factors applied when homeowners policies are bundled with other Metromile or affiliated products.

Under the revised structure, policyholders receive a 15% discount when bundling with an auto policy and an additional 2% discount each for bundled pet or life coverage, with discounts able to be combined. The update also corrects a prior omission by ensuring the bundle discount applies consistently across all perils, including wildfire.

The filing replaces prior rate tables to reflect the corrected factors and updated discount structure across applicable Arizona homeowners risks.