B
American Western Home Ins Co
AmeliaOH
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Good profitability index (5.0 on a scale of 0 to 10) with operating losses during 2020, 2021 and 2023. Good liquidity (5.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.0) despite. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors: Fair reserve development (4.6) as reserves have generally been sufficient to cover 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.
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. D - Limited diversification of general business, policy, and/or investment risk. L - Past results on our liquidity tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: --
Licensed in: LA, OK
Principal Investments: Investment grade bonds (81.3%), non investment grade bonds (1.2%), other (17.6%)
Ratios
Premium to Surplus
Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
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Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München
Investment Rating
--
Company Address
7000 Midland Boulevard
Amelia, OH 45102
Phone Number
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NAIC Number
35912
Largest Affiliates