Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good liquidity (5.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Excellent profitability index (7.4). Excellent expense controls. Excellent overall results on stability tests (7.1). Strengths include potentially strong support from affiliation with American Family Ins Group, good operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Homeowners (88.9%), fire (1.8%), med mal (0.8%), other (8.6%)
Licensed in:
All states except AZ, CO, CT, FL, HI, IL, NE, NM, NV, NY, OK, TX, UT, WY
Principal Investments:
Investment grade bonds (97.9%), other (2.1%)
Corporate Info
Group Affiliation
American Family Ins Group
Investment Rating
--
Company Address
290 Congress Street
Boston, MA 02210
Boston, MA 02210
Phone Number
(617) 832-1300
NAIC Number
13927
Website
Largest Affiliates