See who’s actually cheapest in your ZIP:
| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Fremont | +8.0% | 71K | 4/1/26 | FRIC-134737638 → |
| MEEMIC | +7.0% | 118K | 6/1/26 | MEEM-134736510 → |
| Frankenmuth Insurance | +8.0% | 94K | 11/1/25 | FRNK-134596535 → |
| Homesite | +0.0% | 84K | 10/23/26 | HMSS-134914202 → |
| Pioneer State Mutual | +0.1% | 62K | 11/1/25 | PSMI-134606374 → |
| Farmers | +2.1% | 27K | 9/20/25 | FARM-134645238 → |
If your Fremont renewal in Michigan came in higher, this is the source: Fremont filed for a rate increase (SERFF FRIC-134737638) and it was approved at +8.0% on about 71,331 policyholders, effective April 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
Fremont asked for more than it got.
The filing shows an indicated need of +17.9% — the increase Fremont’s own actuarial analysis said it required — against the +8.0% 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.
See every approved Michigan homeowners rate filing →
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