| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| The Hartford | +5.4% | 10K | 10/7/25 | HART-134652413 → |
| 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 → |
| NJM Insurance | +10.0% | 5K | 4/15/26 | NJMI-134742573 → |
If your The Hartford renewal in Ohio came in higher, this is the source: The Hartford filed for a rate increase (SERFF HART-134652413) and it was approved at +5.4% on about 9,662 policyholders, effective October 7, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +5.4% is an average. Your The Hartford change ranges +55.9% to −21.5%.
A statewide rate change is one blended number, but The Hartford did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +55.9% and the largest decrease about −21.5%. So inside a “+5.4% average,” some The Hartford 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.
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 The Hartford 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 →