C
Hometown Mutual Ins Co
Wheaton,  IL
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
5.02
Risk Adjusted
Capital Ratio #2
3.20
Loss
Ratio
54.12%
Total
Assets
15.70M
Capital
13.75M
Net
Premiums
2.27M
Net
Income
125.13K
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Weiss Ratings Hometown Mutual Ins Co
Wheaton, IL 		Click to
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Rating C
Capitalization Index 10.00
Investment Safety Index --
Liquidity Index 8.90
Profitability Index 4.70
Reserve Adequacy Index 4.80
Stability Index 2.50
Company Info Hometown Mutual Ins Co
Wheaton, IL 		Click to
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Industry P&C
NAIC Number 28134
Phone Number (630) 668-9200
Website www.lutheranmutual.com
Address 401 South Carlton Avenue Wheaton, IL 60187
Balance Sheet Hometown Mutual Ins Co
Wheaton, IL 		Click to
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Total Assets 15.70M
Capital and Reserves Hometown Mutual Ins Co
Wheaton, IL 		Click to
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Risk-Adjusted Capital Ratio #1 5.02
Risk-Adjusted Capital Ratio #2 3.20
1-Year Reserve Development -10.00%
2-Year Reserve Development 120.00%
Capital 13.75M
Premium to Surplus 20.00%
Reserves to Surplus 0.00%
Investments Hometown Mutual Ins Co
Wheaton, IL 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Hometown Mutual Ins Co
Wheaton, IL 		Click to
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Medical Loss Ratio --
Cash From Underwriting 90.00%
Combined Ratio 110.00%
Expense Ratio 50.00%
Loss Ratio 54.12%
Net Premium Growth 470.00%
Other Medical Hometown Mutual Ins Co
Wheaton, IL 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Hometown Mutual Ins Co
Wheaton, IL 		Click to
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Net Income 125.13K
Net Premium 2.27M
Health Premium --