C
Ovation Home Ins Exchange
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak overall results on stability tests (2.8 on a scale of 0 to 10) including excessive premium growth, weak results on operational trends and lack of operational experience. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Strong long-term capitalization index (9.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios).
Other Rating Factors: Excellent profitability index (8.9). Excellent expense controls. Superior liquidity (9.5) with ample operational cash flow and liquid investments.
Stability Factors: E - Lack of operating experience. R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (99.7%), other (0.3%)
Licensed in: FL
Principal Investments: Cash (100.0%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Florida Peninsula Holdings LLC
Investment Rating
--
Company Address
903 NW 65th Street
Boca Raton, FL 33487
Phone Number
(877) 229-2244
NAIC Number
17621
Largest Affiliates
B
Boca Raton, FL - P&C
B
Boca Raton, FL - P&C