Plymouth Rock Home Assurance Corporation is updating its tier segmentation for the @Home Homeowners (HO-3) product in Connecticut. The changes, effective October 1, 2025, for new business only, aim to improve pricing precision and customer experience.

Key updates include:

• Introduction of two new machine learning-derived variables—Non-Catastrophe and Catastrophe Structure Scores—based on gradient boosting models.

• Revised factors for Roof Score (now based on internal loss data), Financial Responsibility Score (made more granular), and Amount of Insurance Relativity.

• Replacement of the Environmental Score with the new structure scores.

• Formatting updates for building and room variables with no factor changes.

The tier score remains a multiplicative product of all tiering variables, modeled using a GLM with a Tweedie distribution. External data sources include CAPE, Quantarium, and PL Rater/EZ Lynx.