Public insurance rate-change record
California approved a +17.4% homeowners rate change for Universal North America Insurance Company
Universal North America Insurance Company asked to change rates by +17.4%. California approved +17.4%.
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. Universal North America Insurance Company asked for +17.4% and received +17.4%.
What this means
California has allowed an average +17.4% change for the policies covered by this filing. Customers can still see different changes because insurers price each policy individually.
What happened, in order
April 15, 2025
A requested change of +17.4% was published.
Recorded from Approval and Closed List YTD 12/31/25
April 15, 2025
The department recorded an approved change of +17.4%.
Recorded from Approval and Closed List YTD 12/31/25
See filing dates and official identifiers
- California record number
- 24-412
- Industry filing ID (SERFF)
- UNAC-134002492
- Status
- Approved
- Insurance category in the state record
- HOMEOWNERS MULTI-PERIL
- Policy group or program
- Exclusive Agents
- Type of request
- RATE
- First published
- March 8, 2024
- Decision or closing date
- April 15, 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 | 17.4 | read directly from a spreadsheet cell | August 9, 2026 |
| Closed date | 2025-04-15 | read directly from a spreadsheet cell | August 9, 2026 |
| Company name | UNIVERSAL NORTH AMERICA 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 | 5092 | 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 | 10759 | read directly from a spreadsheet cell | August 9, 2026 |
| Public notice date | 2024-03-08 | taken from the date the notice was published | August 9, 2026 |
| Program | Exclusive Agents | read directly from a spreadsheet cell | August 9, 2026 |
| Requested change | 17.4 | 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
- March 8, 2024, Rate Filings
Retrieved August 9, 2026 · sha256 71985969d09cacf1