On this page
Property and casualty rate, rule and form filings in Alabama are reviewed by the Alabama Department of Insurance. This page summarizes how filing works there from public sources: the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Alabama Department of Insurance |
|---|---|
| Filing system | SERFF (department source) |
| Lines summarized | Homeowners, Property and dwelling fire, Commercial auto, General and other liability, Commercial multi-peril, Medical professional liability, Inland marine, Homeowners and auto combination, Product liability, Aircraft, Surety, Fidelity, Burglary and theft, Boiler and machinery, Mortgage guaranty, Financial guaranty, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Alabama, each linked to the official text.
- Code of Ala. 1975, §§ 27-13-67, 27-13-68 — Filing, conformity and the 30-day deemer on the liability sideCommercial multi-peril · Statute
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceRegulation
- Ala. Admin. Code r. 482-1-136 — Notice requirements for coverage restrictions at renewal and for non-renewal of coverageRegulation
- Code of Alabama section 27-14-8 - Filing and approval of formsSurety · Statute
- ALDOI Certification of Compliance with the Alabama Filing Requirements for Commercial InsuranceSurety · Department guidance
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Code of Ala. 1975, § 27-13-61 — Applicability of the casualty and surety rate articleStatute
- Code of Ala. 1975, § 27-13-65 — Rate-making and making rating plans for casualty and suretyStatute
- Code of Ala. 1975, § 27-13-68 — Filing of rating plans; examination and approval or disapproval (Article 3)Statute
- Code of Ala. 1975, §§ 27-13-72, 27-13-75 — Uniform percentage changes and alteration of casualty rating plansStatute
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceRegulation
- Ala. Admin. Code r. 482-1-127 — Use of Credit Information for Determining Rates and Eligibility for Personal InsuranceRegulation
- Ala. Admin. Code r. 482-1-136 — Notice requirements for coverage restrictions at renewal and for non-renewal of coverageRegulation
- ALDOI Bulletin No. 2021-06 — SERFF filing fees and mandatory electronic funds transferBulletin
Last reviewed
Homeowners
Alabama sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- Alabama Policyholder Bill of Rights — Act No. 2012-510Statute
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceRegulation
- Ala. Admin. Code r. 482-1-136 — Notice requirements for coverage restrictions at renewal and for non-renewal of coverageRegulation
Last reviewed
Property and dwelling fire
Alabama sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Code of Ala. 1975, § 27-13-21 — Applicability of the fire rate articleStatute
- Code of Ala. 1975, § 27-13-27 — Rate-making and making rating systems for fire and allied linesStatute
- Code of Ala. 1975, § 27-13-31 — Survey of risks rated upon scheduleStatute
- Code of Ala. 1975, § 27-13-33 — Uniform percentage rate changes and consent to rateStatute
- Code of Ala. 1975, § 27-13-34 — Rates and forms for special types or classes of risksStatute
- Ala. Admin. Code r. 482-1-009 — Industrial Fire Insurance PoliciesRegulation
Last reviewed
Commercial auto
Alabama sources for commercial auto filings (SERFF type of insurance 20.0 Commercial Auto).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- Ala. Admin. Code r. 482-1-127 — Use of Credit Information for Determining Rates and Eligibility for Personal InsuranceDepartment guidance
- Code of Ala. 1975, § 27-13-21 — Applicability of article, generallyDepartment guidance
Last reviewed
General and other liability
Alabama sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- ALDOI Exhibit A — General Guidelines for Property and Casualty Insurance Rate and Form FilingsDepartment guidance
- Code of Ala. 1975, § 27-13-67 — Filing of rating plans with department by insurersDepartment guidance
- Code of Ala. 1975, § 27-13-68 — Filing of rating plans; examination and approval or disapproval by commissionerDepartment guidance
Last reviewed
Commercial multi-peril
Alabama sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Code of Ala. 1975, § 27-13-61 — The casualty rate article that governs the liability half of a packageStatute
- Code of Ala. 1975, § 27-13-65 — Rate-making standard for the liability coverage partsStatute
- Code of Ala. 1975, § 27-13-72 — Uniform percentage changes, the self-effectuating route and consent to rate on the liability sideStatute
- Code of Ala. 1975, § 27-13-76 — No premium except in accordance with the rating systems on fileStatute
- Code of Ala. 1975, §§ 27-13-62, 27-13-100, 27-13-102 — Rating organizations and advisory organizationsStatute
- Code of Ala. 1975, §§ 27-13-67, 27-13-68 — Filing, conformity and the 30-day deemer on the liability sideStatute
Last reviewed
Medical professional liability
Alabama sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- ALDOI Exhibit A — General Guidelines for Property and Casualty Insurance Rate and Form FilingsDepartment guidance
- Code of Ala. 1975, § 27-13-67 — Filing of rating plans with department by insurersDepartment guidance
- Code of Ala. 1975, § 27-13-68 — Filing of rating plans; examination and approval or disapproval by commissionerDepartment guidance
Last reviewed
Inland marine
Alabama sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- Ala. Code section 27-13-22 - Inland Marine ratingStatute
- Regulation 123 - P&C filing systemsRegulation
- Regulation 127 - Credit informationRegulation
- Rule 482-1-039-.01 - Certain pleasure craft classified as Inland MarineRegulation
- ALDOI Exhibit A - General Guidelines for P&C Rate and Form FilingsDepartment guidance
Last reviewed
Homeowners and auto combination
Alabama sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- Ala. Admin. Code r. 482-1-127 — Use of Credit Information for Determining Rates and Eligibility for Personal InsuranceDepartment guidance
- Code of Ala. 1975, § 27-13-21 — Applicability of article, generallyDepartment guidance
- Code of Ala. 1975, § 27-13-61 — Applicability of articleDepartment guidance
Last reviewed
Product liability
Alabama sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- ALDOI Exhibit A — General Guidelines for Property and Casualty Insurance Rate and Form FilingsDepartment guidance
- Code of Ala. 1975, § 27-13-67 — Filing of rating plans with department by insurersDepartment guidance
- Code of Ala. 1975, § 27-13-68 — Filing of rating plans; examination and approval or disapproval by commissionerDepartment guidance
Last reviewed
Aircraft
Alabama sources for aircraft filings (SERFF type of insurance 22.0 Aircraft).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- ALDOI Bulletin No. 2021-06 — SERFF filing fees and mandatory EFTDepartment guidance
- ALDOI Exhibit A — General Guidelines for Property and Casualty Insurance Rate and Form FilingsDepartment guidance
- Code of Ala. 1975, § 27-13-67 — Filing of rating plans with department by insurersDepartment guidance
Last reviewed
Surety
Alabama sources for surety filings (SERFF type of insurance 24.0 Surety).
- Code of Ala. 1975, § 27-13-21 — Applicability of article, generallyStatute
- Code of Alabama section 27-14-8 - Filing and approval of formsStatute
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceRegulation
- ALDOI Certification of Compliance with the Alabama Filing Requirements for Commercial InsuranceDepartment guidance
Last reviewed
Fidelity
Alabama sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- Code of Ala. 1975, § 27-13-21 — Applicability of article, generallyStatute
- Code of Alabama section 27-14-8 - Filing and approval of formsStatute
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceRegulation
- ALDOI Certification of Compliance with the Alabama Filing Requirements for Commercial InsuranceDepartment guidance
Last reviewed
Burglary and theft
Alabama sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- Code of Alabama section 27-14-8 - Filing and approval of formsStatute
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceRegulation
- ALDOI Certification of Compliance with the Alabama Filing Requirements for Commercial InsuranceDepartment guidance
Last reviewed
Boiler and machinery
Alabama sources for boiler and machinery filings (SERFF type of insurance 27.0 Boiler & Machinery).
- ALDOI Bulletin No. 2021-06 — SERFF filing fees and mandatory EFTDepartment guidance
- ALDOI Exhibit A — General Guidelines for Property and Casualty Insurance Rate and Form FilingsDepartment guidance
- Code of Ala. 1975, § 27-13-67 — Filing of rating plans with department by insurersDepartment guidance
- Code of Ala. 1975, § 27-13-68 — Filing of rating plans; examination and approval or disapproval by commissionerDepartment guidance
Last reviewed
Mortgage guaranty
Alabama sources for mortgage guaranty filings (SERFF type of insurance 06.0 Mortgage Guaranty).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- ALDOI Bulletin No. 2021-06 — SERFF filing fees and mandatory EFTDepartment guidance
- Code of Ala. 1975, § 27-13-67 — Filing of rating plans with department by insurersDepartment guidance
- Code of Ala. 1975, § 27-13-68 — Filing of rating plans; examination and approval or disapproval by commissionerDepartment guidance
Last reviewed
Financial guaranty
Alabama sources for financial guaranty filings (SERFF type of insurance 10.0 Financial Guaranty).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- ALDOI Bulletin No. 2021-06 — SERFF filing fees and mandatory EFTDepartment guidance
- Code of Ala. 1975, § 27-13-67 — Filing of rating plans with department by insurersDepartment guidance
- Code of Ala. 1975, § 27-13-68 — Filing of rating plans; examination and approval or disapproval by commissionerDepartment guidance
Last reviewed
Title
Alabama sources for title filings (SERFF type of insurance 34.0 Title).
- Ala. Admin. Code r. 482-1-123 — Rates and Forms Filing Requirements for Property and Casualty InsuranceDepartment guidance
- Code of Ala. 1975, § 27-13-21 — Applicability of article, generallyDepartment guidance
- Code of Ala. 1975, § 27-13-61 — Applicability of articleDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Alabama Department of Insurance before you file. All states