CSAA Affinity Insurance Company is introducing new homeowners and dwelling fire programs in Virginia. Both filings were submitted on April 2, 2026, with a targeted effective date of January 11, 2027. The programs are new launches and currently have no in-force policyholders.

The homeowners program covers standard HO lines and follows ISO-based forms with added proprietary endorsements, including identity fraud expense, lock replacement, flood emergency assistance, and deductible coordination across policies. It also excludes digital assets such as cryptocurrency and NFTs, aligning with broader industry treatment. Additional features include niche coverages like arson rewards, refrigerated property, and auto lock replacement, pointing to a more feature-rich base product.

In parallel, CSAA is introducing a dwelling fire program targeting rental and non-owner-occupied risks. The product covers one- to four-family dwellings and includes landlord-focused features such as fair rental value and explicit treatment of home-sharing exposures.

For context, a separate entity, CSAA General Insurance Company, introduced its homeowners program in Virginia in 2014, covering homeowners, renters, condo, and dwelling fire. As of January 2026, that program had about 10,564 homeowners policyholders and roughly $16 million in written premium, with HO-3 policies driving the majority of volume.

CSAA’s dwelling fire book in Virginia remains small, with about 559 policyholders and roughly $535,000 in written premium. The portfolio appears under-credible and largely influenced by industry loss trends rather than company-specific data, suggesting limited competitive strength in landlord business beyond its AAA affinity distribution.