Why did my American Family rate go up in Georgia?

If your American Family renewal in Georgia came in higher, this is the source: American Family filed for a rate increase (SERFF AMFC-134883419) and it was approved at +7.6% on about 28,722 policyholders, effective September 15, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.

The +7.6% is an average. Your American Family change ranges +24.8% to −41.8%.

A statewide rate change is one blended number, but American Family did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +24.8% and the largest decrease about −41.8%. So inside a “+7.6% average,” some American Family households in Georgia were raised far more than the headline and others were cut. Where you land depends on your ZIP, home age, roof and claims history.

American Family asked for more than it got.

The filing shows an indicated need of +17.0% — the increase American Family’s own actuarial analysis said it required — against the +7.6% it actually took. That gap matters for what comes next: a carrier that took less than it indicated has an unclosed gap, and the remainder often arrives in a later filing rather than disappearing.

Other Georgia insurers are cutting.

An increase is only worth acting on relative to the alternatives, and in Georgia the direction is not uniform: Nationwide (−0.4%) filed decreases in the same period. An American Family increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.

See every approved Georgia homeowners rate filing →