Hanover Fire & Casualty Insurance Company—filing via AAIS—proposed raising the loss cost multiplier for its Georgia HO-4 renters program from 1.1 to 1.3. With zero current policyholders and $0 written premium in Georgia, the filing functions as a forward-looking price foundation rather than a change to existing accounts. The proposed impact is +18.2% against a +48.9% indication (profit & contingencies limited to 7%).

Rates for this guaranteed-issue product exclude the use of credit; the company states it does not use credit rating or reports in underwriting or premium.

Proposed effective date is 30 days after approval.