UPDATE. Personal Lines Filing. Rhode Island July VOLUME 2, ISSUE 8 August All filings listed have been approved.

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1 Personal Lines Filing UPDATE A MONTHLY REVIEW OF RI DBR PERSONAL LINES FILINGS COMPANY TYPE FILING NUMBER DESCRIPTION American National P&C Co Encompass Indemnity Co GEICO Imdemnity Co HO/ Tenant ANPC Rhode Island July 2015 All filings listed have been approved. American National Property And Casualty, of Springfield, Missouri (American National) introduces a new Renters Insurance Program in Rhode Island. American National will offer two new Renters Policies through an Independent Agency distribution channel. Policies and related policy documents will be issued and serviced by American National. Any individual or group of occupants renting an apartment in an approved apartment community in the state of Rhode Island is automatically eligible for coverage under this program. The American National Renters Policy, SE-42624, will provide coverage for property and liability exposures as detailed in our General Rules. The American National Renters Liability Policy, SE-42625, will only provide liability coverage. A variety of endorsements are available to meet the coverage needs of Rhode Island renters. While most endorsements are optional, the Pet Damage Endorsement, SE-42627, will be required for all applicants with pets. To be eligible for this program, the property must meet one of the following: 1.Apartment community must meet the following criteria: a.property must be more than 100 units at the same location. b.property must have a paid resident manager living on site. c.property must be well maintained with no special hazards and professionally managed. d.property must not exceed 25 years in age without substantial updating within the past 10 years (electric, plumbing, roof, etc.) 2.Lease or rental agreement provisions require residents to be financially responsible for their personal property and negligent acts. No rate impact, effective 7/1/15. PPA ANPC Rate: This is the annual EGR update filing. Filing included new 2016 S&I and EGR factor pages, as well as updates to the S&I pages and EGR factor pages. No Rate Impact, effective 10/1/15. PPA GECC Rate: revision to Automobile Casualty Manual currently on file. The rates are revised with the following percent changes: Bodily Injury 6.5% Property Damage 5.5% Medical Payments*0.0% Policy Level Uninsured/Underinsured Motorists 12.0% Uninsured Motorists Property Damage 1.5% Collision 2.5% Comprehensive*0.0% TOTAL 5.0% *Changes vary by territory resulting in a 0.0% overall effect for this coverage. Justification for the changes referenced above is set forth in the attached filing memorandum and exhibits. This filing made within the Flex rating provisions. This filing meets the Flex rating criteria. It contains changes to existing rates. There are no other changes with this filing. We are within the 5% Flex Rating band the 6 date is a year or more from the last overall rate change filing. Effective 7/2/15. PAGE ONE

2 Homesite Insurance Integon National Insurance Integon National Insurance Main Street America Assurance HO HMSS Rate/Rule: Homesite Insurance ( Homesite ) has filed revisions to Form HO Homeowner Program, Form HO Renters Program, and Form HO Condominium Program. The overall rate impact of this revision is +6.5%, comprised of a 7.0% increase to the HO Homeowner Program, a 0.0% change to the HO Renter Program, and a 0.0% change to the HO Condominium Program. The increase is supported by an all forms rate level indication of +19.3%. Following is actuarial support for the proposed rate change. Actuarial support for the proposed change is set froth in the Filing Memorandum. In addition to the rate change, Homesite includes the following revisions. Rates for Dangerous Dog liability limits of $300,000 and $500,000 for Coverage E, and $3,000 and $5,000 for Coverage F. Currently, Homesite manuals include Dangerous Dog rates for liability coverage of $100,000 / $1,000 only. The rates are to be used for mid-term amendments only. Any policy with a dangerous dog (as defined in Homesite s underwriting guidelines) and liability limits greater than $100,000/$1,000 will have its liability limits reduced to $100,000/$1,000 at renewal. All new business will continue to be restricted to $100,000 Coverage E and $1,000 Coverage F limits when a dangerous dog is present in the home. PPA GMMX Form/Rate/Rule: Integon National Insurance submitted the new OneChoice Personal Auto program (INICOneChoice). The underwriting guidelines, product manual, rate pages are included included in this F/R/R: Integon National Insurance is submitting for your approval the new OneChoice Personal Auto program (INICOneChoice). The underwriting guidelines, product manual, rate pages are included included in this initial filing. This filing is an adoption of those currently used by Massachusetts Homeland Insurance. HO GMMX Form/Rate/Rule: Integon National Insurance filed a new OneChoice Homeowners program, including Watercraft and Umbrella (INIC-OneChoice). This program was previously submitted and utilized by Massachusetts Homeland Insurance, a member of Tower Group Companies. Effective dates of 08/24/2015 for new business and 11/16/2015 for renewals. PPA NGMC Rate: Main Street America Assurance (MSAA), a member of The Main Street America Group (MSA Group), filed a revision of private passenger automobile rates in Rhode Island. The overall rate level impact proposed is an increase of 3.0% comprising of revising base rates for all coverages. Effective 9/19/15. PAGE TWO

3 Hartford Insurance of the Midwest Allstate Insurance Allstate Property and Casualty Insurance Allstate Indemnity Liberty Insurance Corporation LM Insurance Corporation HO HART Rule: revising the following Rules which also include adjustments to remain consistent with ISO language and formatting: Rule 406 Deductibles to provide our customers with greater deductible options: Introduce new All Peril fixed dollar deductible options of $1,500, $7,500 and $10,000. These new deductible options will be made available to new business written on or after October 24, 2015 and renewal business written on or after December 11, There is no rate or impact to renewal business with this filing. Amended Rules 517, 610 and 617 for editorial changes. Rule 517 Added an Introduction to clarify Policy Form availability and exceptions. Rule 610 To clarify that Personal Injury coverage is automatically provided for HO Rental Property Protection Plus when Optional Premises Liability and Personal Injury under Rule 617 has been added to the policy. Rule 617 To clarify that Personal Injury coverage under. Rule 610 is automatically included with Optional Premises Liability and at no additional premium. A copy of the applicable rules and rate pages for the above are included for your review eff.10/24/15 PPA ALSE Rate: Annual EGR update filing. Filed new 2016 S&I and EGR factor pages, as well as updates to the S&I pages and EGR factor pages HO LBPM Rate/Rule: In accordance with Rhode Island s File and Use filling provision, our Elements rating companies Liberty Insurance Corporation (LIC) and LM Insurance Corporation (LM-IC) respectfully request permission to revise its Landlord Endorsement Program. The following changes are requested for new business effective on or after July 20, 2015 and for all renewal business effective on or after August 24, The overall rate effect of this change is 0.0%. Summary of Changes: Introduction of a Companion Home Factor this factor will be applied to all dwelling policies with the landlord endorsement attached and the amount will be determined by whether the customer has a companion dwelling policy with Liberty Mutual. Rating Manual Revisions: Section 4, Page 25 Addition of Companion Home Factor rule Section R, Page 1499 Addition of Companion Home Factor rate table PAGE THREE

4 Progressive Casualty Insurance Progressive Direct Insurance Progressive Max Insurance Progressive Northern Insurance Horace Mann Insurance Teachers Insurance Naragansett Bay Insurance New London County Mutual Ins. New London County Mutual Ins. PPA PRGS Rate: revision to Private Passenger Auto product in Progressive Casualty Insurance (PCIC) and Progressive Northern Insurance (PNIC), Progressive Direct overall combined rate change is 0.0% for PCIC and PNIC. The overall combined rate change for PDIC and PMIC is +1.2%. We are submitting this filing as a Flex Filing as governed by the Flex Rating Law and Insurance Bulletin Insurance (PDIC) and Progressive Max Insurance (PMIC). HO HRMN Rate/Rule: homeowner rate and rule filing. The overall effect of this filing is The effective date of this filing will be July 1, HO BLCK Form/Rate/Rule: Narragansett Bay Insurance (NBIC) modifies base rates for Owners and Tenants forms, introduces separate Hurricane deductible factors which will be applied exclusively to the Hurricane CAT portion of the premium, as well as modify our Hurricane CAT factors for all ZIP codes which effectively offset the effect on CAT premium of the new Hurricane deductible factors. NBIC also proposes introducing a $1 million limit for Coverage E, and revising its Coverage A factors. The Home Systems Protection Coverage form which will be automatically attached to all new and renewed Rhode Island policies. A Guaranteed Replacement Cost Coverage form, an optional endorsement available on Owners forms only is available to mitigate the effects of large rate changes on individual policyholders, NBIC will cap the combined effect of this filing and previous filings at +/-10% per year. NBIC currently has a +/-10% cap in place from our previously approved rate filing. Effective 8/1/15. HO NLCC Form/Rate/Rule: Filed under the FLEX rating program file and use methodology and meets the criteria established by law. Within the 5% Flex rating band and the effective date of change is a year or more from the last overall rate change. Effective 9/1/15. HO NLCC R/R: Filed under the FLEX rating program file and use methodology and meets the criteria established by law. Within the 5% Flex rating band and the effective date of change is a year or more from the last overall rate change. Please see the attached memorandum detailing the specific changes being made to our rates. Effective 9/1/15. PAGE Four

5 NGM Insurance PPA NGMC Rate: NGM Insurance (NGM), a member of The Main Street America Group (MSA Group), proposes a revision of private passenger automobile rates in Rhode Island. The overall rate level impact is 3.0% comprising of revising base rates for all coverage s. This filing is under the FLEX rating provision and meets the criteria established by law. NGM has not submitted a rate filing during the last 12 months for the Rhode Island Private Passenger Auto Program. The following finished manual pages have changed: Rate Page: RI-NGM-1 through RI-NGM -3 and RI- NGM-10 through RINGM-12 all with 08/15 edition date. This filing applies to all New Business policies effective on and after August 15, 2015 and all Renewal policies effective on and after September 19, PAGE Five

SERFF Tracking #: UPCI State Tracking #: Company Tracking #: UPC WATERCRAFT LIABILITY

SERFF Tracking #: UPCI State Tracking #: Company Tracking #: UPC WATERCRAFT LIABILITY SERFF Tracking #: UPCI-128521718 State Tracking #: Company Tracking #: UPC - 003-01- WATERCRAFT LIABILITY State: Rhode Island Filing Company: United Property & Casualty Insurance Co TOI/Sub-TOI: Product