Public insurance rate-change record
California approved a +14.7% homeowners rate change for Stillwater Property and Casualty Insurance Company
Stillwater Property and Casualty Insurance Company asked to change rates by +0.1%. California approved +14.7%.
This is not your personal renewal price
The percentage is an average for policies covered by this request. Your bill may change by a different amount—or not at all—depending on your coverage, location, discounts, claims, and renewal date.
In plain English: The approval shown here (+14.7%) is higher than the original request shown (+0.1%). These numbers came from separate state files; check the official source records below for context.
What this means
California has allowed an average +14.7% change for the policies covered by this filing. Customers can still see different changes because insurers price each policy individually.
Some details are still being checked against the state’s records. We leave uncertain values blank instead of estimating them.
What happened, in order
July 7, 2023
The department listed this filing as received.
Recorded from July 7, 2023, Rate Filings
September 12, 2023
Status changed from pending to approved.
Recorded from Approval and Closed List YTD 12/31/23
September 12, 2023
A requested change of +0.1% was published.
Recorded from Approval and Closed List YTD 12/31/23
September 12, 2023
The department recorded an approved change of +14.7%.
Recorded from Approval and Closed List YTD 12/31/23
September 12, 2023
A requested change of +0.1% was published.
Recorded from July 7, 2023, Rate Filings
September 12, 2023
A requested change of +0.1% was published.
Recorded from June 24, 2022, Rate Filings
September 12, 2023
A requested change of +0.1% was published.
Recorded from July 7, 2023, Rate Filings
September 12, 2023
A requested change of +0.1% was published.
Recorded from Approval and Closed List YTD 12/31/23
Recorded August 9, 2026
A requested change of +14.7% was published.
Recorded from July 7, 2023, Rate Filings
Recorded August 9, 2026
The department corrected requested_rate_change from +14.7% to +0.1%.
Recorded from July 7, 2023, Rate Filings
See filing dates and official identifiers
- California record number
- 22-1532
- Industry filing ID (SERFF)
- FDLY-133276133
- Status
- Approved
- Insurance category in the state record
- HOMEOWNERS MULTI-PERIL
- Policy group or program
- PREFERRED
- Type of request
- Form/Rate/Rule
- First published
- July 7, 2023
- Decision or closing date
- September 12, 2023
Check the official source records
Every displayed value is tied to a file published by California Department of Insurance. This section is for readers who want to verify the original record.
Where these numbers came from
| Value | As published | How it was read | Retrieved |
|---|---|---|---|
| Approved change | 14.7 | read directly from a spreadsheet cell | August 9, 2026 |
| Closed date | 2023-09-12 | read directly from a spreadsheet cell | August 9, 2026 |
| Company name | STILLWATER PROPERTY AND CASUALTY INSURANCE COMPANY | read directly from a spreadsheet cell | August 9, 2026 |
| Filing type | Form/Rate/Rule | corrected by the department's own errata sheet | August 9, 2026 |
| NAIC group | 4869 | read directly from a spreadsheet cell | August 9, 2026 |
| Line description | HOMEOWNERS MULTI-PERIL | read directly from a spreadsheet cell | August 9, 2026 |
| Line type | PERSONAL | read directly from a spreadsheet cell | August 9, 2026 |
| NAIC company code | 16578 | read directly from a spreadsheet cell | August 9, 2026 |
| Public notice date | 2023-07-07 | taken from the date the notice was published | August 9, 2026 |
| Program | PREFERRED | read directly from a spreadsheet cell | August 9, 2026 |
| Requested change | 0.147 | corrected by the department's own errata sheet (confidence 0.90) | August 9, 2026 |
| Status | APPROVED | read directly from a spreadsheet cell | August 9, 2026 |
| Variance | - | read directly from a spreadsheet cell | August 9, 2026 |
Source files
- July 7, 2023, Rate Filings
Retrieved August 9, 2026 · sha256 25a346f91e267f5d
- June 24, 2022, Rate Filings
Retrieved August 9, 2026 · sha256 77b1d1c2dca7f2d4
- Approval and Closed List YTD 12/31/23
Retrieved August 9, 2026 · sha256 29f6c8a1e062d127