Amica Mutual Insurance Company is revising its Dwelling Policy Program (AL-D-25-1-IFF) in Alabama, effective December 1, 2025. The filing introduces enhanced electronic delivery and billing options, new installment and AutoPay discounts, and updates to several premium computation rules.

Key changes include a 2% discount for policyholders opting into both electronic policy delivery and billing, as well as up to a 5% discount for those using bank draft AutoPay. Premiums will be billed annually, with installment fees scaled to unpaid balances.

The rule revisions affect how base premiums, deductibles, and coverages like Ordinance or Law and Earthquake are calculated, with expanded use of peril-specific factors and ISO loss costs. While the filing does not propose a general rate increase, it modifies how premiums are determined through updated rating methodologies and discount structures.