Hanover Insurance is seeking approval to introduce a new homeowners program in Virginia through Citizens Insurance Company of America, an underwriting company with no existing business in the state.

The program would take effect for new business on December 7, 2026, and produce an estimated average rate decrease of 4.2%. It introduces or revises several rating variables, including roof age, roof size, yard debris, tree overhang, lot size, and the relationship between Coverage A and the home’s square footage.

Hanover used data from several third parties to develop the program:

• Easy Analytic Software (EASI) supplied census data used in territory modeling.
• Cape Analytics supplied data for roof condition, roof size, tree overhang, yard debris, and lot size.
• Xplore supplied data used to model the water-backup score.
• TransUnion supplied insurance-score data.
• Verisk’s AIR and RMS catastrophe models were used to select catastrophe wind and hail territories.
• FEMA data was used to model excess fire losses.

The filing was submitted on September 1.