USAA and its affiliated insurers—CIC, GIC, and Garrison—have submitted a filing in Texas requesting rate increases for their Rental Property Insurance (RPI) program.

The filing was submitted on March 4, 2026, with proposed effective dates of June 20, 2026 for new business and September 15, 2026 for renewals. The request affects 82,128 policyholders across the four companies and approximately $138.6 million in written premium, with a projected premium increase of about $7.6 million, reflecting an overall rate impact of roughly 5.5%.

The filing proposes revisions to Rental Property Insurance base rates, which cover Dwelling Fire and Personal Liability exposures for rental properties. Proposed rate adjustments vary by company, ranging from 3.5% to 6.0%.

According to the filing, the rate changes are based on a review of recent experience and loss trends, with actuarial provisions incorporating methodologies from AIR, Verisk, and CoreLogic. The analysis also includes smoothing of ultimate losses while excluding catastrophe impacts.

The most recent rate revision for the program was 0.0% on February 12, 2026, while prior history includes a 9% increase implemented in late 2022.