| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Horace Mann | +7.8% | 5K | 1/1/26 | HRMN-134631655 → |
| Nationwide | −0.4% | 10K | — | NWPP-134524125 → |
| The Hartford | +0.0% | 8K | 11/15/25 | HART-134684151 → |
| Chubb | +8.1% | 8K | 8/11/26 | ACEH-134915076 → |
| Homesite | +12.9% | 7K | 9/3/25 | HMSS-135017916 → |
| Grange | +3.8% | 6K | 5/18/26 | GRAN-134826004 → |
If your Horace Mann renewal in Georgia came in higher, this is the source: Horace Mann filed for a rate increase (SERFF HRMN-134631655) and it was approved at +7.8% on about 4,747 policyholders, effective January 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +7.8% is an average. Your Horace Mann change ranges +34.1% to −13.7%.
A statewide rate change is one blended number, but Horace Mann did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +34.1% and the largest decrease about −13.7%. So inside a “+7.8% average,” some Horace Mann 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.
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. A Horace Mann 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 →