| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Nationwide | +3.6% | 111K | 7/4/26 | NWPP-134558137 → |
| Homesite | −0.4% | 65K | 6/26/26 | HMSS-134894183 → |
| Amica | −3.0% | 11K | 8/1/26 | AMMA-134932424 → |
| Erie | +8.0% | 167K | 1/1/26 | ERPP-134682697 → |
| Allstate | +0.6% | 124K | 11/10/25 | ALSE-134728018 → |
| Virginia Farm Bureau | +3.8% | 60K | 9/1/26 | VRFB-134994651 → |
If your Nationwide renewal in Virginia came in higher, this is the source: Nationwide filed for a rate increase (SERFF NWPP-134558137) and it was approved at +3.6% on about 110,801 policyholders, effective July 4, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +3.6% is an average. Your Nationwide change ranges +92.9% to −82.2%.
A statewide rate change is one blended number, but Nationwide did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +92.9% and the largest decrease about −82.2%. So inside a “+3.6% average,” some Nationwide households in Virginia 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 Virginia insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Virginia the direction is not uniform: Homesite (−0.4%) and Amica (−3.0%) both filed decreases in the same period. A Nationwide increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Virginia homeowners rate filing →