See who’s actually cheapest in your ZIP:
| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| The Hartford | +16.1% | 11K | 2/5/26 | HART-134695175 → |
| American Economy | +2.0% | 21K | 3/5/26 | LBPM-134810481 → |
| Hastings Mutual | +12.5% | 15K | 10/1/25 | HAST-134555178 → |
| Safeco | +2.0% | 11K | — | LBPM-134801326 → |
| Wolverine Mutual | +9.9% | 6K | 10/1/25 | WOMI-134600286 → |
| Amica | +0.0% | 5K | 4/1/26 | AMMA-134682091 → |
If your The Hartford renewal in Michigan came in higher, this is the source: The Hartford filed for a rate increase (SERFF HART-134695175) and it was approved at +16.1% on about 10,705 policyholders, effective February 5, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The Hartford asked for more than it got.
The filing shows an indicated need of +29.3% — the increase The Hartford’s own actuarial analysis said it required — against the +16.1% 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 Michigan homeowners rate filing →
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