| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Preferred Mutual | +4.5% | 17K | 10/1/25 | PMUT-134534049 → |
| The Hartford | +1.7% | 31K | 4/2/26 | HART-134575506 → |
| Liberty Mutual | +9.7% | 16K | 6/25/26 | LBPM-134516900 → |
| Kingstone | +0.0% | 16K | 8/12/25 | KSIN-134341407 → |
| US Coastal | +2.8% | 16K | 6/20/26 | CCGI-134677812 → |
| Mercury | +0.0% | — | 2/2/26 | MERY-134658071 → |
If your Preferred Mutual renewal in New York came in higher, this is the source: Preferred Mutual filed for a rate increase (SERFF PMUT-134534049) and it was approved at +4.5% on about 16,668 policyholders, effective October 1, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +4.5% is an average. Your Preferred Mutual change ranges +15.1% to +1.1%.
A statewide rate change is one blended number, but Preferred Mutual did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +15.1% and the smallest about +1.1%. So inside a “+4.5% average,” some Preferred Mutual 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.
Preferred Mutual asked for more than it got.
The filing shows an indicated need of +5.7% — the increase Preferred Mutual’s own actuarial analysis said it required — against the +4.5% 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 →