US homeowners rate-filing intelligence

Homeowners rate filings, as an API.

Requested, indicated, and approved rate changes as distinct, queryable fields. Provenance on every record. One key, three surfaces: REST, MCP, bulk snapshots.

Read the docs hello@ratefeed.io for a free key

GET /v1/filings/HAIC-135002705200 OK · application/json

$ curl -s https://api.ratefeed.io/v1/filings/HAIC-135002705 \
    -H "Authorization: Bearer rf_your_key_here" | jq 'del(.documents)'
{
  "serff_tracking_number": "HAIC-135002705",
  "state": "TX",
  "carrier_name": "Homeowners of America Insurance Company",
  "naic_company_code": "12536",
  "naic_group_code": null,
  "line_of_business": null,
  "sub_toi": "04.0000 Homeowners Sub-TOI Combinations",
  "product_name": "Texas Homeowners Program",
  "filing_type": "Rate/Rule",
  "filing_status": "AS-Assigned To Technician",
  "state_file_number": null,
  "submission_date": null,
  "disposition_date": null,
  "provenance": {
    "source_url": "https://filingaccess.serff.com/sfa/home/TX",
    "retrieved_at": "2026-07-09T06:41:48.498231+00:00"
  },
  "rate_events": [
    {
      "id": 18,
      "serff_tracking_number": "HAIC-135002705",
      "state": "TX",
      "source": "llm_extraction",
      "requested_rate_change_pct": 0.0,
      "requested_rate_change_pct_uncapped": null,
      "indicated_rate_change_pct": -17.2,
      "approved_rate_change_pct": null,
      "approved_rate_change_pct_uncapped": null,
      "effective_date_new": "2026-07-10",
      "effective_date_renewal": "2026-10-10",
      "policyholders_affected": null,
      "count_basis": null,
      "source_document_name": "Exhibit1_FilingMemo_.pdf",
      "source_document_page": "1",
      "confidence": "high",
      "provenance": {
        "source_url": "https://filingaccess.serff.com/sfa/search/filingSummary.xhtml?filingId=135002705",
        "retrieved_at": "2026-07-09T06:12:34.811318+00:00"
      },
      "indicated_vs_requested_spread_pct": -17.2
    }
  ]
}
$

691filings

29jurisdictions

179carriers

18,619non-renewal rows

127,965ZIP premium rows

2026-07-15database as of

For agents: the same data as five MCP tools. Setup in the docs.

{
  "mcpServers": {
    "ratefeed": {
      "command": "ratefeed",
      "args": ["mcp"],
      "env": { "RATEFEED_DB": "/path/to/ratefeed.sqlite" }
    }
  }
}

01The signature signal

The gap between what actuaries indicate and what carriers request.

In every rate filing, the carrier's actuaries state the increase their math indicates. The carrier then requests something smaller it hopes regulators will approve. The gap between the two is suppressed rate pressure: tomorrow's filings, non-renewals, and market exits, visible today.

Exhibit A · indicated vs requested, homeownershand-verified extractions, 2025–26 filings

Requested by the carrier Indicated by its actuaries

Pacific Specialty · CA homeownersPERR-134651358

+6.8%

+41.9%

Stillwater Insurance · CA homeownersFDLY-134438498

+12.4%

+31.4%

Aegis Security (MissionSelect) · TX homeownersAEGS-134534184

+9.5%

+18.2%

Mercury (CAIC) · CA homeownersMERY-134635211

+6.9%

+12.4%

Pacific Specialty's actuaries said the math calls for +41.9%. The carrier asked California for +6.8%. That 35-point gap is unpriced future rate pressure, and in ratefeed it is a first-class queryable field: indicated_vs_requested_spread_pct.

02The schema

Requested, indicated, and approved are distinct fields.

Every rate event separates what the carrier requested, what its actuaries indicated, and what the regulator approved. A value that cannot be extracted with confidence ships as null rather than a guess. Every record carries provenance, a source URL and retrieval timestamp, and every extracted number cites the document page it came from. The full pipeline is documented on the methodology page, including the corrections policy.

Archive counts above are from the live database as of 2026-07-15 and grow with every nightly sweep. Two context layers ship in the same schema: county-level non-renewal data (US Senate Budget Committee, 2018–2023) and ZIP-level premium metrics (US Treasury FIO, 2018–2022).

03Three surfaces

One dataset. Three ways in.

REST API

Seven endpoints, keyed and metered. Filter by state, carrier, NAIC code, date, and rate-change thresholds. JSON with provenance on every record.

curl -H "Authorization: Bearer rf_..." \
  "https://api.ratefeed.io/v1/filings?state=TX"

MCP server

The same data as native tools for Claude and any MCP-capable agent, so your AI can pull filings mid-conversation.

search_filings
get_filing
search_rate_events
county_nonrenewals
zip_premiums

Bulk snapshots

Full-table exports, CSV or SQLite, cut on request for design partners. For backtests, models, and anything an API loop would make tedious.

filings + rate events
county non-renewals
ZIP premium metrics
carrier registry

04Coverage

Filing metadata in 49 states and DC. Full rate extraction in CA, TX, and FL.

The metadata sweep covers 50 of the 51 US jurisdictions; Louisiana is on the roadmap. Full rate extraction, including the indicated-vs-requested spread, runs in California, Texas, and Florida today and expands state by state with demand. Coverage detail, jurisdiction by jurisdiction, on the methodology page.

ALAKAZARCACOCTDEDCFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWY

Metadata + full rate extraction Filing metadata Roadmap

05Pricing

Pricing.

Two tiers. Email hello@ratefeed.io and a key is minted, usually the same day. There is no sales call.

Free

Requests100 / day
Schemafull
Datalive, same as paid
Provenanceon every record

Design partner

$199 /month

Requests10,000 / day
Pricinglocked for the life of the account
Roadmapyour states next
Bulk snapshotsincluded
Seats10