Union Mutual Fire Insurance Company has filed a rate and rule revision for its Homeowners Program in Connecticut. The filing, submitted on November 3, 2025, proposes effective dates of March 15, 2026, for new business and May 15, 2026, for renewals.

The update affects 12,310 earned exposures across HO-2, HO-3, and HO-5 forms, representing $22.5 million in earned premium as of December 31, 2024. The filing seeks an overall rate increase of 5.9%, driven primarily by adjustments to Loss Cost Multipliers (LCMs) and a reduction in the Superior Home Credit.

The revised credit will now apply only to primary, single-family homes built within the past 25 years and will be removed upon renewal once a home reaches 26 years of age. The filing also includes updated checklists addressing the use of Artificial Intelligence (AI) and Generalized Linear Models (GLM), reflecting heightened regulatory review of modeling practices.

The filing covers multiple homeowners forms (HO-2, HO-3, HO-5, HO-4, and HO-6) and follows a prior 14.3% rate increase implemented in March 2025. The company’s state of domicile, Vermont, is not affected by this rate revision.