| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Stillwater | +7.0% | 26K | 4/10/26 | FDLY-134630423 → |
| Andover | +11.3% | 33K | 12/5/25 | ANDV-134492067 → |
| Plymouth Rock | +0.0% | 25K | 9/11/25 | PHCT-134445757 → |
| Preferred Mutual | +6.6% | 17K | 10/1/26 | PMUT-134806565 → |
| Farmers | +2.0% | 15K | 7/11/26 | FARM-134608171 → |
| Allstate | +4.3% | 11K | 12/5/25 | ALSE-134558589 → |
If your Stillwater renewal in New Jersey came in higher, this is the source: Stillwater filed for a rate increase (SERFF FDLY-134630423) and it was approved at +7.0% on about 25,749 policyholders, effective April 10, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +7.0% is an average. Your Stillwater change ranges +45.3% to −33.2%.
A statewide rate change is one blended number, but Stillwater did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +45.3% and the largest decrease about −33.2%. So inside a “+7.0% average,” some Stillwater households in New Jersey were raised far more than the headline and others were cut. Where you land depends on your ZIP, home age, roof and claims history.
Stillwater asked for more than it got.
The filing shows an indicated need of +19.4% — the increase Stillwater’s own actuarial analysis said it required — against the +7.0% 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.
See every approved New Jersey homeowners rate filing →