| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| USAA | +15.8% | 106K | 3/16/26 | USAA-134785241 → |
| Grange | +5.7% | 99K | 10/24/25 | GRAN-134602478 → |
| Ohio Mutual | +7.3% | 32K | 1/15/26 | OHMG-134556446 → |
| Westfield Insurance | +6.5% | 36K | 9/25/25 | WSFG-G134594507 → |
| Erie | +2.3% | 44K | 12/1/25 | ERPP-134602360 → |
| Nationwide | 0.0% | 154K | — | NWPP-134566078 → |
| Auto-Owners | 0.0% | 142K | — | AOIC-134804388 → |
| Liberty Mutual | −5.0% | 19K | 8/1/25 | LBPM-134602374 → |
| Celina | −4.0% | 7K | 11/1/25 | CEIN-134649665 → |
| Allstate | −3.0% | 8K | 5/22/25 | ALSE-134545764 → |
What the filing actually says
USAA’s approved Ohio homeowners increase is +15.8%, effective March 16, 2026, on roughly 105,620 households. That is the headline number, and it is the number that will be quoted anywhere this filing gets mentioned. It is also not your rate.
The filing discloses its own spread: individual policies move anywhere from +63.7% to −25.8%. A statewide average of +15.8% is the weighted midpoint of that range, so whether you landed near the top or the bottom depends on your roof age, construction, claims history, protection class, and where in Ohio the house sits. If your renewal jumped far more than 15.8%, the filing is not contradicting you — it explicitly allows for it.
This is not a Virginia problem or an Ohio problem. USAA raised homeowners rates in every one of the eight states we hold 2026 filings for — Ohio +15.8%, Illinois +12.3%, Louisiana +9.2%, Texas +8.5%, California +6.9%, Pennsylvania +6.2%, New York +5.6% and Virginia +3.8%. Across just the six where the filings disclose a policy count, that is about 778,000 households. If your USAA homeowners premium jumped, it is a company-wide repricing, not a local surprise.
Who is cutting Ohio home rates
Ohio’s home market is not uniformly rising, but the cutters are the minority: we recorded eleven carriers raising and four cutting. The cuts are real, though, and they are concentrated in carriers with smaller Ohio books — which is usually a sign of a carrier trying to grow rather than one retreating.
Liberty Mutual cut −5.0% on about 19,371 Ohio households, the largest home cut in the state we have on file. Celina cut −4.0% and Allstate cut −3.0%. Just as usefully, Nationwide and Auto-Owners — who together carry nearly 300,000 Ohio households, far more than USAA — both held rates flat. A carrier holding flat while your carrier takes +15.8% is a real competitive gap.
Does USAA eligibility change the math?
USAA only writes for military members, veterans and their families, and it consistently scores near the top on claims satisfaction. That combination means many members never shop, and USAA’s pricing reflects an unusually loyal book. It is worth knowing that USAA’s reputation is earned on service, not on being the cheapest — and a +15.8% year is exactly when that distinction shows up on the bill. Comparing costs you nothing and does not affect your eligibility to come back.
What to do about it
A homeowners rate change lands at renewal, so the increase is already in the premium you were quoted. Three things worth doing before you pay it: check your dwelling coverage amount is still right (rebuild costs rose sharply, but so did some carriers’ automatic inflation adjustments — you may be insured above replacement cost), ask what a higher deductible does to the premium, and get comparison quotes from the carriers above that cut or held flat. Bundling auto and home with one carrier is often the single largest discount available, so price the pair together rather than each alone.