Georgia Farm Bureau Mutual Insurance Company has filed in Georgia for a 5% overall rate decrease affecting 11,936 policyholders and $12.3 million in written premium. The adjustment aligns deductible caps with those planned for the Farmowner’s program, resulting in reduced rates across the book.

The filing references competitor methodologies from Allstate, Liberty Mutual, State Farm, and USAA for catastrophe load comparisons but confirms it does not use factors such as credit scoring, prior insurance, or distribution channel in rating.