Rock Ridge Insurance Company filed in Georgia on September 5, 2025, to revise its Openly Homeowner Program, with changes taking effect January 28, 2026, for new business and March 30, 2026, for renewals.

The filing introduces a revised loss settlement approach for roof damage, expands coverage for home-sharing host activities, and updates general program conditions. The changes include a Roof Surfacing Loss Percentage Table that reduces payouts for older roofs damaged by wind or hail, a Home-Sharing Host Activities Coverage Endorsement that covers lost rental value, personal property, and liability gaps for short-term rentals and applies on a primary basis over coverage offered by hosting platforms, and a Georgia Program Endorsement that adds new exclusions such as cosmetic marring, certain animals, harassment, and financial statements, while also introducing new coverages including land stabilization, lock replacement, and supplemental loss assessment, along with tighter deadlines for reporting and supplementing claims.

Rock Ridge is domiciled in Texas and referenced a related rate and rule filing associated with the new home-sharing form.