USAA has secured approval for a sweeping update to its Hawaii homeowners rating framework, modernizing its models while keeping overall premiums flat for policyholders. The multi-year filing, approved by the Hawaii Insurance Division, takes effect January 1, 2026 for both new business and renewals.

At the core of the update is the use of refreshed actuarial and statistical models, including generalized linear models, to reassess rating variables by peril for owners and unit owners policies. Regulators closely reviewed model performance, variable selection, territorial relativities, and capping mechanics over an extended review process that included multiple objection rounds and supplemental exhibits.

The final approval covers approximately 12,336 policyholders in Hawaii, representing about $13.2 million in written premium across the participating USAA companies.