Major Rating Factors:
Poor long-term capitalization index (0.0 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the fair range over the last two years. Weak profitability index (0.2) with operating losses during each of the last five years and the first three months of 2025. Average return on equity over the last five years has been poor at -5.6%. Weak overall results on stability tests (0.0) including weak risk adjusted capital in prior years, weak results on operational trends and weak risk diversification.
Other Rating Factors:
History of adequate reserve strength (6.6) as reserves have been consistently at an acceptable level. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
Principal Lines of Business:
Homeowners (100.0%)
Licensed in:
TX
Principal Investments:
Investment grade bonds (60.8%), cash (2.6%), other (36.6%)
Corporate Info
Group Affiliation
RVOS Farm Mutual Ins Co
Investment Rating
--
Company Address
2301 South 37th Street
Temple, TX 76504
Temple, TX 76504
Phone Number
(254) 773-2181
NAIC Number
11047
Website
Largest Affiliates