ratefeed

the widest gaps on file · 4 spreads ranked · refreshed from the live database · as of 2026-07-16

Live signal

The rate increases carriers aren't asking for. Yet.

In every homeowners rate filing, a carrier's actuaries state the increase their math indicates, then the carrier requests something smaller. The rows below are ranked by that gap, widest first: the increase a carrier's own actuaries support but it has not yet requested. It is the clearest read on which books are under-priced and will have to refile.

Requested by the carrier Indicated by its actuaries
  1. 01
    Pacific Specialty Insurance CompanyCA · PERR-134651358
    +6.8%
    +41.9%
    +35.1points held backhand-verified
  2. 02
    Stillwater Insurance CompanyCA · FDLY-134438498
    +12.4%
    +31.4%
    +19.0points held backhand-verified
  3. 03
    Aegis Security Insurance CompanyTX · AEGS-134534184
    +9.5%
    +18.2%
    +8.7points held backhand-verified
  4. 04
    California Automobile Insurance CompanyCA · MERY-134635211
    +6.9%
    +12.4%
    +5.5points held backhand-verified
01Working with it

The same board, in your models.

This page is the widest slice. The full set of filings, with requested, indicated, and approved changes as distinct fields, is on the API as indicated_vs_requested_spread_pct, filterable by state, carrier, and threshold, and available as a bulk snapshot for backtests. Start on the API, or email hello@ratefeed.io for a free key.

Every figure is drawn from the live database as of 2026-07-16 and grows with each nightly sweep. Rows marked hand-verified were checked by hand against the source PDF during state onboarding; the rest are pipeline-extracted, and both cite the regulator filing they came from. How the numbers are extracted and checked is on the methodology page. Free to cite with attribution to ratefeed.io.