How To Get A Better Rate On A Mortgage From A Mortgage Guarantee Auto Insurance Company

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1 A Property & Casualty Publication at Work for You. June 2015 Quote of the Month You are never too old to set another goal or to dream a new dream. C. S. Lewis Inside The Harleysville - PP Auto... 2 NYCM - PP Auto... 2 Liberty Mutual - HO... 3 Diamond State - HO... 3 Allstate - HO... 3 AIG - PCG Umbrella... 3 Hanover - BOP... 3 Harleysville - BOP/Cyber... 3 LCM s of the Month... 4 Great American - Aviation... 4 Travelers - Truck... 4 Munich Re - Public Practice... 4 Progressive - Auto... 4 Liberty Mutual - Nonprofit D&O. 5 Utica Mutual - Agents... 5 Travelers - K&R... 5 More Approved Filings Other M&C Products Mortgage Guaranty Rate Tracker Auto Rate Tracker Med Mal Rate Tracker State Farm / Private Passenger Auto State Farm Mutual Insurance increased rates 5.70% overall to their Private Passenger Auto Program effective July 6, Changes were made to Base Rates, Miscellaneous Vehicle Rates, Model Year Rating Factors and Location Rating, which uses latitude and longitude coordinates to establish a network of small territories or GRID cell. State Farm Fire & Casualty also increased rates 7.70% overall. Note: The approximate number of policyholders for State Farm Mutual affected by this revision is 1.2 million, and for State Farm Fire & Casualty 87,200 policyholders. Mercury / Private Passenger Auto Mercury Casualty increased rates 9.00% overall (indicated change was %) to their Private Passenger Auto Program effective July 11, 2015, for new business and August 31, 2015, for renewals. Changes were made specifically to Base Rates (BI %, Personal Injury +8.00% and Comprehensive +2.00%). Cincinnati / Private Passenger Auto Cincinnati Insurance increased rates 5.70% overall (indicated change was +9.80%) to their Private Passenger Auto Program effective August 1, 2015, for new business and November 1, 2015, for renewals. Changes were made to Base Rates, Deductibles, Vehicle/Driver Count Factors, Insurance Score Factors and much more. They also introduced a new Capstone Auto Endorsement and Capstone Collector Auto Coverage in an effort to provide coverage to the high net worth market. Central Mutual / Private Passenger Auto Central Mutual Insurance made changes to their Private Passenger Auto Program effective August 1, Changes were made to Base Rates for all coverages except UM. They also revised their Multi-Tier Rating Factors. Hanover / Private Passenger Auto Allmerica Financial Alliance Insurance increased rates 8.30% overall (indicated change was %) to their Connections Private Passenger Auto Program effective October 9, Changes were made to Base Rates, Tier Factors, Territory Factors and Platinum Discount. Note: Hanover s Connections Multi-Tier Auto Program was launched in 2005, and today they have approximately 25,900 policyholders. Kemper / Private Passenger Auto Unitrin Direct Insurance increased rates 4.90% overall (indicated change was %) to their Private Passenger Auto Program effective June 5, 2015, for new business and July 26, 2015, for renewals. Changes were made specifically to Base Rates for Property Damage (+19.00), Comprehensive (+3.00%) and Collision (+10.00%) Copyright by Martin &, Publisher, The New York Insurance Advisor, Edgemont, PA, ;

2 More to offer from M&C Bureau Monitoring This Web-based product tracks bureau circulars and bulletins. A tool to assist carriers with their compliance efforts. Status Report This is a complimentary feature to M&C s State Filing clients that provides web access to track filing projects. Features alerts and export options. If you read about it... and want to know more about it... You can GET A COPY of it... your request to: DOIFilings@martincompanyus.com Fax your request to: Cost: $1 per page $55 minimum charge per filing All filings are backed by The guarantee. Corporate Subscriptions are available. Filings are available COUNTRYWIDE. Block Pricing is available. Call FD is an online searchable Rate, Rule, Form filing library dating back to info@martincompanyus.com Harleysville / Private Passenger Auto Harleysville Insurance increased rates 3.00% overall (indicated change was +6.00%) to their Private Passenger Auto Program effective July 12, 2015, for new business and August 31, 2015, for renewals. Changes were made to Base Rates, Market Tier Factors, Household Composition Factors, Matrix Factors, Driver Class and Age-of-Driver Factors and various other rating rules. In a separate filing, Harleysville Preferred Insurance increased rates 4.90% overall (indicated change was %) to their Private Passenger Auto Program effective August 27, 2015, for new business and October 16, 2015, for renewals. NYCM / Private Passenger Auto New York Central Mutual Fire Insurance (NYCM) increased rates 4.40% overall (indicated change was %) for their 63-tier Prism Private Passenger Auto Program effective July 1, 2015, for renewals only. Changes were made Base Rates, Class Factors and Model Year Rating Factors. Note: The approximate number of combined policyholders affected by this revision is 81,290, and the approximate annual written premium for this program is $118.6 million. In a separate filing, NYCM also increased rates 4.10% overall (indicated change was %) to their 12-tier Non-Prism Private Passenger Auto Program effective July 1, 2015, for renewals only. Note: The approximate number of combined policyholders affected by this revision is 59,624, and the approximate annual written premium for this program is $63.8 million. The New York Insurance Paul P. Martin Publisher Thomas E. Smith Editor Feature Editor Matthew Heilmann Martin &, Publisher, is dedicated to providing reliable insurance information through quality publications, product research and development, and our state filing service. All filings mentioned in the Advisor have received approval, unless other wise indicated. Material presented is from a variety of sources believed reliable, but accuracy cannot be guaranteed. Martin &, Publisher. Yearly subscription prices are $654 for Agencies and $754 for Companies for each copy. Multiple subscriptions (3 or more) to that same address are available at a discounted price. To receive photocopying redistribution authorization call and ask about our ELECTRONIC and CORPORATE SUBSCRIPTIONS. Subscriptions & Comments: Martin &, Publisher P.O. Box 70, Edgemont, PA Call: Fax: ~ Info@martincompanyus.com Photocopying, or fax of this newsletter, in full and/or in par t, for distribution or circulation to other individuals or employees violates the U.S. copyright law. As a subscriber you agree that making copies is a violation and your company will be subject to additional charges and subscription costs. Exceptions may be granted. Please call if you desire special consideration Copyright by Martin &, Publisher, The New York Insurance Advisor, Edgemont, PA, ;

3 Liberty Mutual / Homeowners Liberty Insurance Corporation and LM Insurance Corporation increased rates 3.50% overall (indicated change was +7.00%) to their Element Homeowners Program effective August 13, Changes were made to both HO 3 and HO 4 Policy Forms, but no changes were made to their HO 6 Form. Diamond State / Homeowners Diamond State Insurance introduced a new Homeowners Program effective May 18, This filing is an exact copy of the filing made by American Bankers Insurance of Florida. D ID Y O U KNOW: M&C rec onc iles all state filing projec ts, provides a c losing status report and offers a post- filing c omplianc e review. NYCM / Homeowners New York Central Mutual Fire Insurance (NYCM) decreased rates 1.23% overall (indicated change was 35.08%) to their Prestige Homeowners Program effective July 1, In particular, they revised the Coupler Discount from 17.50% to 25.00%. They compared their coupler discount to other competitor Auto/Home and Multi-Policy Discounts offered in the market. Allstate / HO Allstate Insurance increased rates 2.50% overall (indicated change was +8.50%) to their Homeowners Program effective June 2, 2015, for renewals. ASI / HO ASI Select Insurance Corporation received approval for a new Renters Program effective September 1, This filing is a me too of Progressive Specialty Insurance. AIG / PCG Umbrella AIG Property Casualty increased rates 11.70% overall (indicated change was %) to their Private Client Group Personal Excess Program effective May 15, AIG has updated their rating structure, base rates and various other rating factors. They also introduced Loss Surcharges, Quarterly Trend Factors, Crisis Management Coverage and various other Discounts. Hanover / Businessowners Hanover Insurance, Massachusetts Bay Insurance and Citizens Insurance of America made revisions to their Avenues BOP Program effective August 14, Changes were made to Property and Liability Base Rates and Territory Relativities, as well as Employee Dishonesty and Printer E&O rates. They also added an Incidental Class for Slot Machines (GL Class 85302), which will be rated per machine. GUARD / Businessowners AmGUARD and NorGUARD Insurance Companies revised their Contractors eligibility rule effective July 1, In particular, they revised contractor eligibility for subcontracted work from 10% to 25% of the contractor s total annual gross sales. Magna Carta / Businessowners Public Service Insurance increased rates 19.90% overall (indicated change was %) to their Future Builder BOP Program effective May 11, Merchants / MAP Contractors Merchants Mutual Insurance filed updates to their Merchants Advantage Plus (MAP) Contractors Program effective October 1, 2015, for new business and December 1, 2015, for renewals. Merchants has replaced their current Plus Plan Tier Program (4 tiers) with a new Multi-Tier Program (46 tiers). Harleysville / BOP Cyber Harleysville received approval for a new CyberOne Coverage for use with their Businessowners Program effective November 1, This coverage will provide both First-Party Computer Attack and Third-Party Network Security Liability. Also added a new Data Compromise Coverage and Network Security Liability Supplemental Extended Reporting Period Coverage. Michigan Millers / Connect Michigan Millers Mutual Insurance filed a new Specialty Solutions Pak for their Connect Program effective March 1, This form provides a number of enhanced coverages. For Subscribers Only Subscribers may use up to five New York Insurance summaries in any single issue of their internal publications provided The New York Insurance is cited, including the issue date; phone number, ; and the company s Web address, Copyright by Martin &, Publisher, The New York Insurance Advisor, Edgemont, PA, ;

4 * * Key LCM s Recently Approved * * Line LCM Org. Org. Filing Number Impact Effective ACE Auto Publics ISO CA 2013 BRLA % 11/1/15 Capitol Indemnity Corporation Inland Marine ISO NA % 8/1/15 MEMIC MEMIC Indemnity Maine Employers Mutual Insurance MEMIC Casualty WC NYCIRB NA % % +9.58% 6/1/15 Mitsui Mitsui Sumitomo Insurance of America Mitsui Sumitomo Insurance USA, Inc. (see also page 7) ISO GL 2014 BGL1 and various others 26.50% 30.80% 5/1/15 National General Insurance Dwelling Fire ISO DP 2011 RLA1, DL 2010 RLA1 Initial 6/1/15 NOVA Casualty Businessowners ISO BP 2014 RLA1 7.30% 6/1/15 Philadelphia Indemnity Insurance Fire & Allied Lines Varies by coverage, code and group ISO CF 2012 RLA1 6.20% 4/29/15 QBE Regent Insurance General Casualty of Wisconsin ISO GL 2013 BGL1, GL 2014 IALL1 7.81% 9/1/15 Sentry Sentry Insurance, A Mutual Middlesex Insurance Patriot General Insurance Businessowners ISO BP 2014 RLA1 4.40% 5/1/15 Starr Indemnity & Liability Hospitality Program ISO GL 2014 BGL1, GL 2014 IALL1 0.60% 10/1/15 W. R. Berkley Acadia Insurance Auto Publics Varies by affiliate, class and coverage ISO CA 2013 BRLA1, CA 2012 RZRLC 15.20% 9/1/15 Great American / Aviation Great American Insurance received approval for a new Aviation Aircraft Program effective May 20, This new product will cover both aircraft hull and liability, targeting insureds that are individual aircraft owners, commercial aircraft operators, municipalities and any organization that owns or operates on an aircraft. Hudson / Crop Hudson Insurance introduced a new Total Revenue Coverage (TRC) Insurance Policy effective May 11, TRC is a private policy and is not reinsured by the Federal Crop Insurance Corporation. Corresponding underwriting guidelines were also made part of the filing. Travelers / Truck Northland Insurance increased rates 7.90% overall (indicated change was %) to their Truck Program effective May 1, Allied World / Winery Plus Darwin National Assurance filed various forms for a new Winery Plus Insurance Program effective May 20, Munich Re / Glatfelter Public Practice American Alternative Insurance Corporation increased rates 2.60% overall to their Glatfelter Public Practice Insurance Program effective August 1, Gener al Liability rates were revised for Governmental Subdivisions, Streets and Roads and Professional Healthcare Liability rates for Fire/EMS Operations. Changes were also made to a number of Additional Exposure rates, in addition to a number for Property rates. Protective / Auto Protective Insurance received approval for a new Specialty Auto Program effective May 8, This program was specifically designed for trucking operating both under their own operating authority and independent contractors that lease onto these trucking. Target classes under this program include general trucking, as well as package and delivery. Progressive / Auto Progressive Casualty Insurance decreased rates 1.90% overall (indicated change was 8.30%) to their Auto Program effective July 2, 2015, for new business and September 7, 2015, for renewals Copyright by Martin &, Publisher, The New York Insurance Advisor, Edgemont, PA, ;

5 Philadelphia / DayCare, Nonprofit, etc. Philadelphia Indemnity Insurance filed exceptions for a number of market segments effective June 1, These market segments target classes in Daycare, Nonprofit, Special Events, Sport Leagues Camps and more. Their filing includes LCM s that vary by Class, Package Modification Factors, etc. D ID Y O U KNOW: M&C is the ONLY third-party authorized SERFF filer with a proprietary rate, rule and form library. Liberty Mutual / Community Assoc. Nonprofit D&O Liberty Insurance Underwriters, Inc., filed updates to their Community Association/ Executive Liability Not-for-Profit D&O Program effective May 27, This program provides directors and officers coverage to community associations and executive liability to non-profit institutions. They also filed a new Enhancement Endorsement for Community Association Risks and Nonprofit Risks. Hanover / Data Breach Hanover Insurance filed a new Data Breach Coverage Form for their Technology insureds effective August 15, Coverage will be offered up to $5.0M with rates based on total sales. Severity Grade Rating Factors were also made part of rate calculation. National Specialty / Surety National Specialty Insurance received approval for their initial Cinium Surety Program effective May 11, This product will be used to write independent Contract and Surety business. They will offer Standard, Preferred and Merit pricing for their Contractor Class, as well as Schedule Rating. Utica Mutual / Insurance Agents Graphic Arts Mutual Insurance, Republic-Franklin Insurance and Utica National Assurance increased rates 8.00% overall to their EDGE Insurance Agents & Brokers Professional Liability Program effective J uly 1, The EDGE Program is for new business only. They also revised rates to their existing Legacy Insurance Agents & Brokers Professional Liability Program effective J u- ly 1, 2015, which is for renewal business. Travelers / Kidnap & Ransom Travelers Casualty and Surety of America filed enhancements to their Modular Kidnap and Ransom Program effective June 1, 2015, for new business and August 1, 2015, for renewals. New coverages added include Threat Response Services, Express Kidnap, Emergency Political Evacuation (Expatriate and Business Traveler) and Repatriation Expense and Hostage Crisis. Hanover / Management Liability Cyber Hanover Insurance filed the Cyber Privacy & Security Coverage Part for their Management Liability Advantage Portfolio Program effective May 22, This product targets private ; the portfolio aspect of this program incorporates a modular policy structure that allows for the selection and use of one or multiple coverage parts. This coverage will be a rated. Ironshore / Lawyers Ironshore Indemnity, Inc., increased rates 19.10% overall (indicated change was %) to their Lawyers Professional Liability Program effective May 5, Changes were made to Base Rates; they also realigned their Area-of-Practice Classification and revised Size Factors. Nationwide / Veterinarians Nationwide Mutual Insurance filed rates and forms for a Veterinarians Professional Liability Coverage effective J une 15, The limits of liability for this coverage are $1.0M Occurrence/$3.0M Aggregate, and the flat charge is $ per Veterinarian. PRI / Physicians Physicians Reciprocal Insurers (PRI) filed updated rates for their South Shore Rockaways, IPA RPG Program effective May 1, Specifically, they are implementing a 15.00% Experience-Based Discount. The Professional Liability REPORT Subscribe Today. Call or subscribe online! Copyright by Martin &, Publisher, The New York Insurance Advisor, Edgemont, PA, ;

6 More Approved Filings The New York Insurance Advisor Line / Class Effective Filing Summary Starr Indemnity & Liability W. R. Berkley / StarNet Insurance AmTrust / Security National Insurance / Technology Insurance, Inc. AmTrust / Security National Insurance / Technology Insurance, Inc. Great American / affiliated 5/1/2015 Filed a new Non-Owned Aircraft Liability Endorsement to be used with their Aviation Program. This endorsement modifies the Aviation Policy (10/08 Aircraft edition) that was also made part of their filing. Aircraft 4/30/2015 Filed a Unmanned Aerial Systems Insurance Policy and corresponding endorsements. Coverage is provided for Hull and Liability as well as Supplemental UAS coverages such as Medical Expense, Non-Owned UAS, Extended PD and Liability, etc. 5/26/2015 Filed a new FI Advantage Auto Endorsement that adds numerous enhancements to their Business Auto Coverage Form tailored specifically to meet the needs of entities operating in the fields of finance and insurance. 5/27/2015 Filed an Installment Fee, Electronic Funds Transfer (EFT) Fee, Non- Sufficient Funds (NSF) Fee and Late Payment Fee for use with their Livery Classes. These fees are mandatory for all livery classes of business. 4/10/2015 Filed a new Auto Coverage For Financial Institutions Endorsement to provide special supplementary coverage enhancements to insureds that operate financial institutions. Hartford Insurance Group / affiliated 6/6/2015 Filed a new Downtime Loss and Rental Reimbursement & Towing Coverage that broadens the coverage offering to their insureds. Rate consideration was given to higher cost of towing for heavy/specialty vehicles and specialized nature of heavy vehicle repairs. Hiscox Insurance, Inc. 5/22/2015 Filed Auto updates for their Entertainment Program. New forms include Blanket Additional Insured Endorsement, High Value Auto Physical Damage, Wrap-Up Reporting Endorsement, Agreed Value Auto Physical Damage, etc. Ironshore Indemnity, Inc. 4/27/2015 Filed a new Trust Endorsement and Joint Ownership Endorsement to be used with their Concours Classic Auto Program. They also revised their PIP Coverage Form and Supplementary UM/UIM Endorsements. In addition, updated rules were filed. QBE / Praetorian Insurance State Auto / Plaza Insurance W. R. Berkley / Great Divide Insurance 5/21/2015 Filed Auto exception pages for their Risks Program. Rating rules include Pollution Liability, Towing, Basket Deductible, Heavy Truck Extension, Enhanced Heavy Truck Extension, Direct Bill, etc. 5/8/2015 Revised proprietary Auto forms that include Extended Garagekeepers Coverage, Primary and Non-Contributing Insurance, Broadened Auto Coverage and Broad Named Insured. Corresponding rating rules were also filed. 8/1/2015 Filed Auto updates for both their Entertainment and Sports Program and Environmental Contractors Program. Both products utilize ISO rules, loss costs and forms, as well as company-specific exceptions. Middlesex Mutual Assurance Global Indemnity / Diamond State Insurance USLI / United States Liability Insurance Utica National / Utica Mutual Insurance 5/25/2015 Filed a new Per Unit and Per Building Water Damage Deductible to be used with eligible classes in their Worlds Apart/CAPsure Program. They Businessowners also filed a new Per Building Ice Dam Deductible. CMP 5/1/2015 Decreased rates 19.60% overall to their Vacant Dwelling Program that provides coverage for Vacant Properties, Builders Risk and Renovations. Also filed new Exclusions for Animals and Tenant Business and a new Conversion to Occupied Dwelling Endorsement. 7/13/2015 Filed updated rates and rules for their Child Care Centers / Nursery Schools Package Policy. Changes were made to Non-Owned Auto Liability CMP Limits and Deluxe Daycare Package Limits. CMP 7/1/2015 Revised their Crisis Event Expense Coverage Endorsement that provides coverage for the reimbursement of certain expenses incurred because of a crisis event. GL limits are available up to $1.0M, and Business Income limits are available up to $300,000. For use by original recipient only. It is illegal to forward or otherwise distribute without permission. To report violations call (800) Copyright by Martin &, Publisher, The New York Insurance Advisor, Edgemont, PA, ; 6

7 Line / Class Effective Filing Summary Cincinnati Insurance / affiliated 9/1/2015 Filed an ERISA Plan Amendatory Endorsement for their Depositors Institution Bond. They also filed a Counterfeit Currency Rider for Standard Fidelity/Surety Form 25 and an Annual Aggregate Rider for Standard Forms 14, 15 and 25. Hiscox Insurance, Inc. 5/12/2015 Adopting SFAA's most current Financial Institution Bonds, Endorsements, Rules and Loss Costs, along with proprietary forms, endorsements and Fidelity/Surety rules. They also selected an LCM of ACE / affiliated 5/18/2015 Filed a new Head Trauma Injury (All Sports Except Scheduled Events) Exclusion, Sports-Related Injury Exclusion and Genetically Modified Organism or Substance Exclusion. Cincinnati Insurance / affiliated 1/1/2016 Filed a new optional Injury or Damage to or Resulting from Your Work and Injury or Damage Resulting from Your Product Endorsement that will provide a continuation of coverage for discontinued work or products. Great American / affiliated Hartford Insurance Group / affiliated Mitsui / Mitsui Sumitomo Insurance Co. of America / Mitsui Sumitomo Insurance USA 5/14/2015 Filed a new Signature Broadening Endorsement to provide a broad list of enhancements to the ISO General Liability Coverage Part. The charge will be 2.00% of policy premium with a minimum charge of $ /12/2015 Filed a new All Premises Operations In Connection With A Consolidated Insurance (Wrap-Up) Program Exclusion to reflect new wording included in the revision of the Contractors Broad Form (Wrap-Up) Exclusion. This is a broadening of coverage. 5/1/2015 In addition to their LCM filed (see also 6/15 LCM chart), forms were filed for Pastoral Professional, Church D&O, Temple D&O, Enhanced CGL Coverage, Funeral Directors or Cemetery Professional, Abuse or Molestation and much more. Zurich / affiliated 7/1/2015 Filed a new Broadened Coverage For Damage To Your Product And Damage To Your Work Endorsement to be used with their Arrowhead Aftermarket Specialty Accounts Program. They also filed a new Security Animal Exclusion. Amtrust / Technology Insurance Inland Marine 3/23/2015 Filed rates and forms for a new Portable Electronic Device Insurance Program for Hearing Aid Devices. Provides coverage for loss or damage to hearing aid devices that results from accidental physical damage, theft, unintended loss or breakdown. Markel Insurance Inland Marine 6/15/2015 Filed a new Stated Amount Valuation Endorsement that amends the valuation provision of the Inland Marine Coverage Form such that the value of property will be either the least actual cash value or the stated amount shown in the Declarations. Falls Lake National Insurance 5/19/2015 Filed a new Roofing Operations Specific Exclusion Endorsement and Sanding and Solvents Designated Work Exclusion to be used with their Liability Artisan Contractor insureds. CNA / Continental Casualty 6/1/2015 Filed a new American Portfolios Financial Services, Inc., Coverage As Scheduled Registered Principal Endorsement for their Life Agent/Broker Professional Dealer Solutions Program. AIG / affiliated Property 5/13/2015 Filed a new Business Income and Extra Expense Actual Loss Sustained Endorsement to be used with their Integrated Property Insurance Solutions Policy. They will rate the business income coverage as agreed amount, using ISO Rating Rule 50. Berkshire Hathaway / National Liability & Fire Insurance Crum & Forster / affiliated Property 5/12/2015 Filed independent rates, rules and endorsements for their Property Program to provide Equipment Breakdown Coverage that provides coverage for fortuitous mechanical breakdown of pressure, mechanical and electrical equipment. Property 5/11/2015 Filed proprietary endorsements and rules for exclusive use with their new Social Services and Youth Servicing Organizations Program. This program is applicable, but not limited to YMCA's, Jewish Community Centers and Nature-Based Camps. Zurich / affiliated 7/1/2015 Filed a Windstorm Loading rating rule to be used with their Property Portfolio Protection Program. Rating is based on Territory and Property Construction. Windstorm Deductible Factors were also filed. For use by original recipient only. It is illegal to forward or otherwise distribute without permission. To report violations call (800) Copyright by Martin &, Publisher, The New York Insurance Advisor, Edgemont, PA, ; 7

8 Line / Class Effective Filing Summary Sentry Select Insurance Church Mutual Insurance Harleysville Worcester Insurance MAPFRE Insurance of New York Umbrella/Excess 7/1/2015 Filed a new Agricultural Consultants Excess E&O Endorsement for use with their Dealers Excess Umbrella Program. This optional form is available for their Ag Equipment Dealers to extend Coverage E Excess Liability for their insureds. WC 4/29/2015 Updated their Workers Compensation Sliding Scale Dividend Plan. Policies with an audited premium of $10,001 or greater are eligible, and dividends are paid at the end of the 19th month following the expiration or cancellation of the policy. Personal 8/27/2015 Increased rates 5.00% overall to their Private Passenger Auto Program (indicated change was %). They are updating model year from 2007 to Updated rate pages were also made part of this filing. Personal 7/20/2015 Added Sunmark Credit Union to their eligible groups under their Affinity Group Discount. They believe this group will have better performance relative to their book of business and will also generate cost savings. Nationwide Assurance / Nationwide Mutual Fire Insurance Andover / Merrimack Mutual Fire Insurance / Cambridge Mutual Fire Insurance Personal 9/10/2015 Revised their Payment Options rules (Late Fee) for their Nonstandard Private Passenger Program. The fee was increased from $10.00 to $15.00, and insureds will be assessed for payments not received the third day past the billing due date. Personal Dwelling Fire 7/1/2015 Increased the amount of the credit offered for Landlords Special Savings Endorsement, from 10.00% to 17.00% in this preferred rating program. This change will affect selected territories in order to improve their competitive position. Electric Insurance Personal HO 5/1/2015 Filed rates for their Homeowners Smart Choice Endorsement and Signature Choice Endorsement. Their target market is high net worth individuals and families with higher priced condos. This filing will affect only their Condo Form. Liberty Mutual / Liberty Insurance Corporation / LM Insurance Corporation Personal 5/12/2015 Filed a new Companion Home Factor to be used with their Element Homeowners Program. This factor will be applied to all Dwelling policies HO with the landlord endorsement attached. Vermont Mutual Insurance Personal 5/1/2015 Received approval for a new Home Systems Protection Coverage, Service Line Coverage and Homeowners Coverage Elite Endorsements to be used HO with their Homeowners Program. American Pet Insurance Personal Inland Marine 7/1/2015 Increased rates 17.60% overall to their Trupanion Pet Health Insurance Policy. Changes were made to Base Rates, Trend Factors, Geographical Factors, Breed Factors and Deductible Factors. They also revised their Hospital Clinic Factor. AXA Insurance Personal 5/19/2015 Received approval for a new Safe Deposit Box Insurance Program that will be marketed by independent agents to customers who rent safe deposit Inland Marine boxes from financial institutions. GEICO / Government Employees Insurance Personal Umbrella/Excess 5/12/2015 Filed an amendment to their Personal Umbrella Policy excluding coverage when a vehicle is being used as a public or livery conveyance, including those vehicles being used in connection with a transportation network company. Contact us for assistance with Countrywide Rate & Form filing submissions and Actuarial Services Download any filing mentioned in this issue of The New York Insurance. For use by original recipient only. It is illegal to forward or otherwise distribute without permission. To report violations call (800) Copyright by Martin &, Publisher, The New York Insurance Advisor, Edgemont, PA, ; 8