Selective Insurance Company of South Carolina submitted a filing in Tennessee on October 8, 2025, revising rates and rules for its Homeowners GLM program, effective February 28, 2026. The update affects 6,148 policyholders, representing $20.1 million in written premium, and maintains an overall rate impact of 0.0%, resulting in a written premium change of just $4,080.

The revisions redistribute rate impacts across perils—Weather/Wind (+7.5%), Fire (+5.9%), Water (-16.0%), Theft (-27.5%), and Liability (-1.9%)—and introduce higher deductible options. Factor adjustments were made to align with Cincinnati (Amount of Insurance and Number of Bathrooms) and Chubb (higher deductibles).

The filing also integrates data from CoreLogic for non-weather-related water and fire risk, alongside ISO’s Risk Analyzer Homeowners Environmental Module for peril weighting. Expense provisions include a 15.3% commission ratio for direct written business. The prior rate revision was a 2.9% increase, effective December 22, 2024.