Arbor Reciprocal Exchange Company (AREC) has filed to introduce a new HO-3 Homeowners program in Texas, with a requested effective date of September 8, 2025. This initial form filing includes a comprehensive set of policy forms and endorsements aimed at tailoring coverage and exclusions for the Texas market.

The program is administered by Thicket Management LLC, with Sycamore Specialty Underwriting Services LLC serving as managing general agent. AREC is adopting standard AAIS forms—such as the HO 0003 09 08 Special Form—and layering in a broad set of proprietary endorsements. These include both mandatory and conditional exclusions related to trampolines, swimming pools, animals, hail, windstorms, and water damage.

Highlights:

• Dozens of new optional coverages are included, such as personal injury, roof exclusions, sump discharge, and ordinance or law enhancements

• Filing also includes state-specific notices and endorsement revisions for Texas

• A prior version of this filing (S731247) was rejected; this submission is a refiling with updates