Chubb has filed homeowners rate revisions in Connecticut covering its legacy carriers: Chubb National, Great Northern, Pacific Indemnity, and Vigilant Insurance Companies. The filing was submitted on December 4, 2025, with new business effective March 25, 2026, and renewals effective May 24, 2026.

The filing affects 12,706 in-force policyholders and applies to approximately $118.5 million in written premium. In aggregate, the changes result in a premium increase of about $3.4 million, representing an overall rate impact of +2.9%.

The update reflects Chubb’s broader structural shift within its Masterpiece Homeowners program. As of August 26, 2024, all new Masterpiece business is written through Chubb’s “By-Peril” companies, with these four carriers now designated as legacy entities. The filing revises previously approved rates for the remaining in-force book rather than introducing changes tied to new production.

Rate impacts vary by writing company, with “House” writing company factors increasing for all entities except Pacific Indemnity. The filing relies on ISO catastrophe classifications and reference data and was submitted through SERFF’s PDF pipeline.

This marks Chubb’s latest incremental adjustment in Connecticut homeowners. The prior rate revision was a 2.4% increase effective March 25, 2025, following increases of 4.6% in 2024 and 5.0% in 2023, continuing a multi-year pattern of upward pressure on high-value homeowners pricing.