Major Rating Factors:
Fair overall results on stability tests (4.7 on a scale of 0 to 10) including weak risk adjusted capital in prior years and negative cash flow from operations for 2025. Good long-term capitalization index (5.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2023. History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Good overall profitability index (6.4). Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
TX
Principal Investments:
Cash (69.9%), investment grade bonds (25.7%), other (4.4%)
Corporate Info
Group Affiliation
Home State Ins Group Inc
Investment Rating
--
Company Address
4315 Lake Shore Drive
Waco, TX 76710
Waco, TX 76710
Phone Number
(254) 776-4521
NAIC Number
29297
Website
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