The Hartford has filed changes to its Connecticut Prevail auto programs that would increase the account credit for customers with qualifying homeowners coverage while adjusting base rates to keep the overall premium impact approximately neutral.

The proposed credit for customers with HO2, HO3 or HO5 homeowners policies would increase from 12% to 18%. Credits for renters and condo coverage would remain unchanged.

The filings cover direct business written through Nutmeg Insurance Company and agency business written through Hartford Fire Insurance Company. Nutmeg’s proposal has a 0% overall rate impact across 18,805 policies representing $44.3 million in written premium. Individual changes range from a 4.6% decrease to a 2.3% increase.

Hartford Fire’s proposal has an overall decrease of 0.1% across 1,713 policies representing $4.9 million in written premium. Individual changes range from a 3.5% decrease to a 3.4% increase. That filing also adds 12-month policy terms alongside the existing six-month option.

Supporting data show a three-year loss ratio of 57.3% for the HO2, HO3 and HO5 account-credit segment, compared with 75.9% for customers receiving no account credit.

Both filings were submitted November 5 and remain under review. Proposed effective dates are February 4, 2027, for new business and April 25, 2027, for renewals.