The Hartford has submitted a filing in Virginia to expand and update its Prevail Homeowners program, introducing an agency distribution channel alongside rate and rule revisions. The changes are scheduled to take effect July 9, 2026 for new business and August 29, 2026 for renewals.

The filing includes an overall rate impact of 3.3%, affecting roughly 1,800 policyholders and about $2.1 million in written premium in the state. The rate change applies to both agency new business and direct new and renewal business.

A key component of the update is a distribution shift. Beginning July 9, 2026, agency-sold Prevail policies will be written through Hartford Insurance Company of Illinois, while direct business will continue to be written through Hartford Insurance Company of the Southeast.

Hartford is also expanding the product by adding the HO-5 homeowners form, which offers broader coverage than the standard HO-3 policy. The filing includes updates to rating factors and other rule changes as part of the program revision.

Background

The Prevail Homeowners program was first introduced in Virginia in 2024 as a direct-to-consumer offering primarily targeting AARP members. Policies were written through Hartford Insurance Company of the Southeast and distributed through the AARP Direct sales channel.

At the same time, Hartford continued to sell homeowners coverage through its legacy Home Advantage class plan, which supported additional distribution channels including consumer direct sales for non-AARP customers, the AARP member program through agents, and other agency-produced business.

With the latest filing, Hartford is extending the Prevail platform into the agency channel while gradually shifting production away from the Home Advantage framework.

The filing also states that new agency homeowners policies will no longer be written through the remaining Home Advantage channels in Hartford Underwriters Insurance Company and Twin City Fire Insurance Company. Existing policies in those companies will continue to renew.

The updated program will continue to use TransUnion’s CreditVision Insurance Score model and maintains a surcharge option for policyholders who choose to pay premiums by credit card.