Homeowners Insurance
Rate Intelligence
ZIP-level homeowners insurance rates from SERFF regulatory filings. The same primary-source methodology behind TrueFactor auto insurance data — applied to the most disrupted line in personal insurance.
Compare carrier rates across every ZIP code. See exactly how much rates have increased, which carriers are cheapest in your area, and where the data comes from. All traceable to official filings with state Departments of Insurance.
The Homeowners Insurance Crisis
Homeowners premiums are rising faster than any other personal insurance line. Consumers need transparent, primary-source rate data — and it doesn't exist yet.
What We're Building
The same approach that made TrueFactor the most granular source of auto insurance rate data — now applied to homeowners.
ZIP-Level Homeowners Rates
Compare homeowners insurance premiums by carrier for any ZIP code — the same granularity we deliver for auto insurance, now applied to property.
Every Major Carrier
State Farm, Allstate, USAA, Liberty Mutual, Farmers, and regional carriers including state-specific insurers like Citizens (FL) and CSAA (CA).
Territory & Risk Factors
Filed territorial factors that reflect wind/hail zones, wildfire risk, flood proximity, and protection class — the actual variables carriers use to price your policy.
Rate Change Tracking
See exactly when carriers filed rate increases, by how much, and which ZIP codes are most affected. Updated within days of regulatory approval.
Primary-Source SERFF Data
Every number traces to a SERFF regulatory filing — the official rate structure carriers file with state Departments of Insurance. Not estimates. Not sampled quotes.
Crisis-State Coverage First
Launching with Florida, California, and Texas — the states where homeowners insurance costs are rising fastest and carrier availability is shrinking.
Same Methodology, New Line of Business
TrueFactor homeowners data follows the same pipeline as our auto insurance data.
SERFF Regulatory Filings
Every carrier files its complete homeowners rate structure with the state Department of Insurance through SERFF. These are public regulatory records — the same data carriers use to price actual policies.
Proprietary Pipeline
Our pipeline converts raw filing PDFs — base rates, territorial factors, construction type tables, protection class schedules — into structured, queryable rate data for every ZIP code.
API, Flat File, Dashboard
Access homeowners rate data the same way you access auto — via REST API, bulk CSV exports, or the TrueFactor web dashboard. Same infrastructure, same reliability.
Who This Is For
Homeowners rate data serves existing TrueFactor customers and opens new markets.
Media Publishers
Power editorial content with ZIP-level homeowners data. Answer “why is my homeowners insurance so expensive?” with carrier-specific, location-specific data from regulatory filings.
Real Estate Platforms
Add insurance cost estimates to property listings. Homebuyers want to know the true cost of ownership — mortgage + taxes + insurance. We provide the insurance layer.
Mortgage Lenders
Estimate insurance costs at the point of loan origination. Accurate insurance projections improve borrower qualification accuracy and reduce closing surprises.
InsurTech & Carriers
Competitive intelligence from primary-source filings. See how your rates compare to every competitor in every ZIP code — updated within days of new filings.
Frequently Asked Questions
Why is homeowners insurance so expensive in 2026?
Homeowners premiums have risen sharply due to increasing catastrophe losses (hurricanes, wildfires, hail), rising reinsurance costs, and inflation in building materials and labor. States like Florida, California, Louisiana, and Texas have seen the largest increases. These rate changes are documented in SERFF regulatory filings that carriers submit to state Departments of Insurance — the same filings TrueFactor uses as its primary data source.
Where does TrueFactor homeowners rate data come from?
All data is sourced from SERFF (System for Electronic Rates and Forms Filing) regulatory filings — the official rate structures that carriers file with state Departments of Insurance. These filings contain base rates, territorial factors, construction type adjustments, protection class schedules, and the rating algorithm. This is the same primary-source approach used for TrueFactor auto insurance data.
How much does homeowners insurance vary by ZIP code?
Homeowners premiums can vary by 3-5x between ZIP codes within the same state. This variation is driven by territorial rating factors in each carrier's SERFF filing, which reflect local risk characteristics: proximity to coast, wildfire risk zones, hail frequency, crime rates, and fire protection class. TrueFactor shows these differences at the ZIP level for every carrier.
When will homeowners data be available?
TrueFactor homeowners rate data is launching with Florida, California, and Texas — the states with the most active homeowners insurance market disruption. Request early access below to be notified when data is available and to help shape the product.
Get Early Access to Homeowners Data
Be first to access ZIP-level homeowners insurance rate data from SERFF regulatory filings. We're launching with Florida, California, and Texas — with all 50 states to follow.