USAA has filed a rate revision in California for its Rental Property Insurance program, proposing an overall 13.6% increase across fire and allied lines.

Submitted in late December 2025, the filing targets an effective date of November 3, 2026, for both new business and renewals, subject to approval. The proposal affects approximately 9,620 policies and applies to a book with about $11.6 million in written premium, resulting in an estimated $1.6 million increase in annual premium.

The filing revises base rates only, with no changes to endorsements or miscellaneous coverages such as liability or medical payments.

USAA’s actuarial support incorporates updated catastrophe modeling for wildfire, earthquake, and wind, including outputs from AIR and Verisk models.