BrightShore Insurance Company, through third-party filer Cuanto Consulting, LLC, submitted a rule filing introducing new rating factors for three-family and four-family dwellings under its ShoreOne Homeowners Program. The update replaces the full Rate Rule Manual to incorporate more granular pricing for multi-family risks.

The filing, made under the Expedited Prior Approval process, aims to improve rate precision for higher-occupancy residential properties. No rate data or premium volume is specified.

The move reflects BrightShore’s continued refinement of its coastal homeowners program, focusing on more accurate segmentation of property risk while maintaining regulatory efficiency.