| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| NJM Insurance | +10.0% | 5K | 4/15/26 | NJMI-134742573 → |
| Allstate | −3.0% | 8K | 5/22/25 | ALSE-134545764 → |
| Celina | −4.0% | 7K | 11/1/25 | CEIN-134649665 → |
| Progressive | −6.0% | — | 10/10/25 | AMSI-134627974 → |
| Amica Mutual | +0.0% | 7K | — | AMMA-134784004 → |
| Selective | +0.0% | 3K | — | SELC-134658684 → |
If your NJM Insurance renewal in Ohio came in higher, this is the source: NJM Insurance filed for a rate increase (SERFF NJMI-134742573) and it was approved at +10.0% on about 5,190 policyholders, effective April 15, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +10.0% is an average. Your NJM Insurance change ranges +76.5% to −16.8%.
A statewide rate change is one blended number, but NJM Insurance did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +76.5% and the largest decrease about −16.8%. So inside a “+10.0% average,” some NJM Insurance households in Ohio were raised far more than the headline and others were cut. Where you land depends on your ZIP, home age, roof and claims history.
NJM Insurance asked for more than it got.
The filing shows an indicated need of +24.1% — the increase NJM Insurance’s own actuarial analysis said it required — against the +10.0% 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.
Other Ohio insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Ohio the direction is not uniform: Allstate (−3.0%), Celina (−4.0%), and Progressive (−6.0%) all filed decreases in the same period. A NJM Insurance increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Ohio homeowners rate filing →