Plymouth Rock Home Assurance Corporation has filed for a rate and rule revision in Connecticut for its combined renters (HO4) and condominium (HO6) program. The filing, dated September 17, 2025, impacts 11,846 policyholders and proposes a total written premium increase of $606,128 on in-force premiums of $5.48 million. Renewal business is scheduled to reflect the changes beginning November 12, 2025.

The filing requests an overall rate increase of 11.1%, though the indicated change is higher at 20.9%. Renters policies are set to rise by 5%, while condominium policies will increase by 12.3%. Adjustments include revisions to base rates, deductible factors, distance-to-coast factors, and endorsement pricing. Notably, the Home Systems Protection Coverage endorsement will increase from $13 to $18.

Plymouth Rock supports the revisions with a mix of ISO Fast Track data and internal data, noting its thin and volatile renters and condo loss experience, which carries only 42% credibility. Strategic context highlights the impact of inflation and labor and material shortages on claims severity. The filing also points to technology-driven pricing elements, including insurance score factors for new business and a Connected Home Discount. The Hartford Steam Boiler Inspection and Insurance Company reinsures the Home Systems Protection Coverage.