| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| NYCM | +4.6% | 55K | — | NYCM-134688761 → |
| USAA | +5.6% | 90K | 8/18/25 | USAA-134245824 → |
| Nationwide | +0.0% | 68K | 8/10/26 | NWPP-G134734565 → |
| Amica | +0.0% | 47K | 11/1/26 | AMMA-134612479 → |
| The Hartford | +1.7% | 31K | 4/2/26 | HART-134575506 → |
| Preferred Mutual | +4.5% | 17K | 10/1/25 | PMUT-134534049 → |
If your NYCM renewal in New York came in higher, this is the source: NYCM filed for a rate increase (SERFF NYCM-134688761) and it was approved at +4.6% on about 55,258 policyholders, effective July 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +4.6% is an average. Your NYCM change ranges +14.3% to +0.8%.
A statewide rate change is one blended number, but NYCM did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +14.3% and the smallest about +0.8%. So inside a “+4.6% average,” some NYCM households in New York were raised several times more than the headline while others barely moved. Where you land depends on your ZIP, home age, roof and claims history.
NYCM asked for more than it got.
The filing shows an indicated need of +6.5% — the increase NYCM’s own actuarial analysis said it required — against the +4.6% 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.
See every approved New York homeowners rate filing →