Public insurance rate-change record
California approved a +10.0% homeowners rate change for Spinnaker Insurance Company
Spinnaker Insurance Company asked to change rates by +30.0%. California approved +10.0%.
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 state approved +10.0% instead of the +30.0% Spinnaker Insurance Company requested—a difference of 20.0 percentage points.
What this means
California has allowed an average +10.0% change for the policies covered by this filing. Customers can still see different changes because insurers price each policy individually.
What happened, in order
January 12, 2026
A requested change of +30.0% was published.
Recorded from Approval and Closed List YTD 7/31/26
January 12, 2026
The department recorded an approved change of +10.0%.
Recorded from Approval and Closed List YTD 7/31/26
See filing dates and official identifiers
- California record number
- 25-179
- Industry filing ID (SERFF)
- HIPO-134396299
- Status
- Approved
- Insurance category in the state record
- HOMEOWNERS MULTI-PERIL
- Policy group or program
- HIP CA Homeowners HO-6
- Type of request
- RATE
- First published
- February 14, 2025
- Decision or closing date
- January 12, 2026
This company is part of the Hippo group. Companies in the same group can file separate requests and receive different decisions.
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 | 10 | read directly from a spreadsheet cell | August 9, 2026 |
| Closed date | 2026-01-12 | read directly from a spreadsheet cell | August 9, 2026 |
| Company name | SPINNAKER 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 | 5010 | 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 | 24376 | read directly from a spreadsheet cell | August 9, 2026 |
| Public notice date | 2025-02-14 | taken from the date the notice was published | August 9, 2026 |
| Program | HIP CA Homeowners HO-6 | read directly from a spreadsheet cell | August 9, 2026 |
| Requested change | 30 | 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 7/31/26
Retrieved August 9, 2026 · sha256 86969dc220270433
- February 14, 2025, Rate Filings
Retrieved August 9, 2026 · sha256 5ccd2569a53ebc02