Public insurance rate-change record
California approved a +16.0% homeowners rate change for Stillwater Property and Casualty Insurance Company
Stillwater Property and Casualty Insurance Company asked to change rates by +16.0%. California approved +16.0%.
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 department approved the increase as filed. Stillwater Property and Casualty Insurance Company asked for +16.0% and received +16.0%.
What this means
California has allowed an average +16.0% change for the policies covered by this filing. Customers can still see different changes because insurers price each policy individually.
What happened, in order
June 2, 2025
A requested change of +16.0% was published.
Recorded from Approval and Closed List YTD 12/31/25
June 2, 2025
The department recorded an approved change of +16.0%.
Recorded from Approval and Closed List YTD 12/31/25
See filing dates and official identifiers
- California record number
- 23-3659
- Industry filing ID (SERFF)
- FDLY-133896346
- Status
- Approved
- Insurance category in the state record
- HOMEOWNERS MULTI-PERIL
- Policy group or program
- Preferred
- Type of request
- RATE
- First published
- December 29, 2023
- Decision or closing date
- June 2, 2025
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 | 16 | read directly from a spreadsheet cell | August 9, 2026 |
| Closed date | 2025-06-02 | 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 | RATE | read directly from a spreadsheet cell | 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 | 2023-12-29 | taken from the date the notice was published | August 9, 2026 |
| Program | Preferred | read directly from a spreadsheet cell | August 9, 2026 |
| Requested change | 16 | read directly from a spreadsheet cell | August 9, 2026 |
| Status | APPROVED | read directly from a spreadsheet cell | August 9, 2026 |
Source files
- Approval and Closed List YTD 12/31/25
Retrieved August 9, 2026 · sha256 0e7f7c9be04219f9
- December 29, 2023, Rate Filings
Retrieved August 9, 2026 · sha256 130df2a2aae859d4