C
Aventus Ins Co
Rating Date
October 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: Good long-term capitalization index (6.6 on a scale of 0 to 10) based on fair current risk adjusted capital (moderate loss scenarios), although results have slipped from the good range during the last year. Fair overall results on stability tests (3.2) including weak results on operational trends and negative cash flow from operations for 2024. Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent profitability index (7.5) with small operating losses during 2022 and the first six months of 2025.
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. F - Negative cash flow. G - Fast asset or premium growth. 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 (64.7%), fire (10.2%), other (25.1%)
Licensed in: AL, AR, CT, DC, FL, LA, MA, MD, MS, NJ, OK, RI, TX
Principal Investments: Investment grade bonds (68.5%), common stock (22.4%), other (9.2%)
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
Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
6801 Calmont Avenue
Fort Worth, TX 76116
Phone Number
(817) 732-2111
NAIC Number
22390
Largest Affiliates
No affiliate information available.