On this page
Property and casualty rate, rule and form filings in Pennsylvania are reviewed by the Pennsylvania Insurance Department. This page summarizes how filing works there from public sources: where to search filings that are already public, and 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 | Pennsylvania Insurance Department |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Earthquake, Surety, Fidelity, Burglary and theft |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Pennsylvania, each linked to the official text.
- 31 Pa. Code 129.11 - Review of rate filings and extension of the waiting periodRegulation
- Pennsylvania Notice 2024-06 - Use of Aerial Imagery by Homeowners InsurersHomeowners · Department guidance
- 75 Pa.C.S. 1791 and 1791.1 - Notice of available benefits and limits; disclosure of premium charges and tort optionsPersonal auto · Statute
- Pennsylvania Notice 2026-07 and 31 Pa. Code 113.81 as they apply to TOI 01.0 PropertyProperty and dwelling fire · Department guidance
- Section 704 - the rate standard and its seven due-consideration factorsWorkers' compensation · Statute
- Pennsylvania Notice 2026-07, Property and Casualty Rate, Rule and Policy Form Filing Modernization (56 Pa.B. 2076, 11 April 2026)Commercial multi-peril · Statute
How to search Pennsylvania's public rate and form filings
- The Pennsylvania Insurance Department's Search Insurance Company Filings page links to SERFF Filing Access, which searches rate and form filings made in Pennsylvania. Source
- Viewing filings through SERFF Filing Access is free. Source
- Filings fall under Pennsylvania's public access statute, so details not marked for public access are redacted or masked. Source
- For filings still under review, and for notices of past filings, the department points to the Pennsylvania Bulletin. Source
Start from the department's page: Pennsylvania Insurance Department.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- 40 P.S. 50 and 31 Pa. Code 89b.4(c) - Retaliatory product filing feesStatute
- Article V-A of The Insurance Company Law of 1921, the Property and Casualty Filing Reform Act (added by Act of 21 December 1998, P.L. 1108, No. 150)Statute
- Section 354 of The Insurance Company Law of 1921, approval of policiesStatute
- The Casualty and Surety Rate Regulatory Act (Act of 11 June 1947, P.L. 538, No. 246)Statute
- The Fire, Marine and Inland Marine Rate Regulatory Act (Act of 11 June 1947, P.L. 551, No. 247)Statute
- 31 Pa. Code 129.11 - Review of rate filings and extension of the waiting periodRegulation
- 31 Pa. Code Chapter 130 - Filing for a decrease in currently approved ratesRegulation
- 31 Pa. Code Chapter 59 and 40 P.S. 1171.5(a)(9) - Cancellation and refusal to renewRegulation
Last reviewed
Homeowners
Pennsylvania sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- The Fire, Marine and Inland Marine Rate Regulatory Act (Act of 11 June 1947, P.L. 551, No. 247)Statute
- The Pennsylvania Fair Plan Act (Act of 31 July 1968, P.L. 738, No. 233)Statute
- Pennsylvania Notice 2024-06 - Use of Aerial Imagery by Homeowners InsurersDepartment guidance
Last reviewed
Personal auto
Pennsylvania sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- 75 Pa.C.S. 1791 and 1791.1 - Notice of available benefits and limits; disclosure of premium charges and tort optionsStatute
- 75 Pa.C.S. 1793 and 1799.3 - Limits on premium increases, surcharges, rate penalties and point assignmentsStatute
- 75 Pa.C.S. 1799, 1799.1 and 1799.2 - Passive restraint, antitheft and driver improvement discountsStatute
- 75 Pa.C.S. Chapter 20 - Motor Vehicle Insurance Rate Review Procedures ActStatute
- Article XX of The Insurance Company Law of 1921, added by Act 68 of 1998 - Automobile insurance cancellation, refusal to renew and refusal to writeStatute
- 31 Pa. Code Chapter 64 - Private Passenger Automobile Policy FormsRegulation
Last reviewed
Property and dwelling fire
Pennsylvania sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Article V-A of The Insurance Company Law of 1921, the Property and Casualty Filing Reform Act (added by Act of 21 December 1998, P.L. 1108, No. 150)Statute
- Section 505-A of The Insurance Company Law of 1921 - The commercial property rate and form filing bandsStatute
- Section 506 of The Insurance Company Law of 1921 - Fire insurance contract and standard policy provisionsStatute
- Section 506.1 of The Insurance Company Law of 1921 - After-death continuation of basic property insuranceStatute
- The Fire, Marine and Inland Marine Rate Regulatory Act (Act of 11 June 1947, P.L. 551, No. 247)Statute
- Pennsylvania Notice 2026-07 and 31 Pa. Code 113.81 as they apply to TOI 01.0 PropertyDepartment guidance
Last reviewed
Workers' compensation
Pennsylvania sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Section 448 - the deductible offer, the seven standards and the order of operationsStatute
- Section 654 of the Insurance Company Law of 1921 - repealed except for Longshore and Harbor liabilityStatute
- Section 704 - the rate standard and its seven due-consideration factorsStatute
- Section 707(a) and section 705(a) - compulsory membership and the Secretary on the boardStatute
- Section 707(f) - the uniform experience rating plan is the exclusive prospective individual-risk mechanismStatute
- Section 707(g) - the statutory five per cent discount and five per cent surchargeStatute
Last reviewed
Commercial multi-peril
Pennsylvania sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- 31 Pa. Code 129.11, review of rate filings and extension of the waiting periodStatute
- 31 Pa. Code 89b.3, form filingsStatute
- 31 Pa. Code Chapter 130, requirements for filing for a decrease in currently approved ratesStatute
- Pennsylvania Notice 2026-07, Property and Casualty Rate, Rule and Policy Form Filing Modernization (56 Pa.B. 2076, 11 April 2026)Statute
- Article V-A of The Insurance Company Law of 1921, the Property and Casualty Filing Reform Act (added by Act of 21 December 1998, P.L. 1108, No. 150)Department guidance
- Pennsylvania Insurance Department, Property & Casualty Rate and/or Rule Filing Attestation (edition 2026-04-11)Department guidance
Last reviewed
Inland marine
Pennsylvania sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- 31 Pa. Code 113.81 - Personal risk insuranceRegulation
- 31 Pa. Code 129.11 - Rate filing review and extensionRegulation
- Notice 2026-07 FAQ - Personal inland marine and package productsDepartment guidance
- Pennsylvania Notice 2026-07 - Filing modernizationDepartment guidance
Last reviewed
Earthquake
Pennsylvania sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- Article V-A of The Insurance Company Law of 1921, the Property and Casualty Filing Reform Act (added by Act of 21 December 1998, P.L. 1108, No. 150)Department guidance
- Pennsylvania Insurance Department, Property & Casualty Form Filing Attestation (edition 2026-04-11)Department guidance
- Pennsylvania Insurance Department, Property & Casualty Rate and/or Rule Filing Attestation (edition 2026-04-11)Department guidance
- Pennsylvania Notice 2026-07, Property and Casualty Rate, Rule and Policy Form Filing Modernization (56 Pa.B. 2076, 11 April 2026)Department guidance
Last reviewed
Surety
Pennsylvania sources for surety filings (SERFF type of insurance 24.0 Surety).
- Pennsylvania Act 246Statute
- Pennsylvania Chapter 89bStatute
- Pennsylvania Notice 2026-03Bulletin
- Pennsylvania Notice 2026-07Bulletin
- Pennsylvania product and rate filing requirementsDepartment guidance
Last reviewed
Fidelity
Pennsylvania sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- 31 Pa. Code Chapter 89bRegulation
- Pennsylvania Notice 2026-07Bulletin
- Notice 2026-07 FAQDepartment guidance
- PID P&C submission checklistsDepartment guidance
Last reviewed
Burglary and theft
Pennsylvania sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- 31 Pa. Code Chapter 89bRegulation
- Pennsylvania Notice 2026-07Bulletin
- Notice 2026-07 FAQDepartment guidance
- PID P&C submission checklistsDepartment 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 Pennsylvania Insurance Department before you file. All states