Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (4.8) with operating losses during 2024 and 2025. Good overall results on stability tests (6.1) despite excessive premium growth. Other stability subfactors include potentially strong support from affiliation with American Family Ins Group, good operational trends and excellent risk diversification.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (8.2) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Homeowners (97.8%), personal/comm auto (2.0%), other (0.2%)
Licensed in:
GA, PA
Principal Investments:
Investment grade bonds (49.6%), cash (47.2%), other (3.3%)
Corporate Info
Group Affiliation
American Family Ins Group
Investment Rating
--
Company Address
290 Congress St.
Boston, MA 02210
Boston, MA 02210
Phone Number
(617) 832-1300
NAIC Number
10745
Website
Largest Affiliates