Allstate Insurance Company filed to add a Fortified Home Discount and Fortified Roof Endorsement Factor to its Mobilehome program in Kentucky, effective March 1, 2026. The filing affects 670 policyholders and $506,049 in written premium, with no overall rate impact.

The new Fortified Home Discount, based on certification from the Insurance Institute for Business & Home Safety (IBHS) under Kentucky HB 256, applies to the package premium with factors of 0.97 for Roof, 0.92 for Silver, and 0.91 for Gold designations. A separate Fortified Roof Endorsement Factor of 1.03 is introduced for policies not qualifying for the discount.

These updates are integrated into Allstate’s Mobilehome Manual Rules and reflect the company’s alignment with resilience-focused standards.

Allstate Insurance Company is currently closed to new business in Kentucky except for special reinstatement or rewrite cases.