In our last newsletter we reported on personal lines rate increases for Mutual Benefit and Travelers. Mutual Benefit had significant homeowners rate increases in 2011 and 2012. In many cases, their auto rates are great and as a package they are still good. Travelers has had 3 homeowners rate increases in the past year. The increases are not uniform and vary by territory. Travelers homeowners policies with a $500 deductible, mono-line policies and those written on homes with flat roofs are getting the largest increases. The most recent homeowners rate increase with Travelers was effective in June and averaged at 21% for Pennsylvania. In many cases, increasing the deductible or providing supporting auto coverage can bring the rates in line. Penn National introduced a new homeowners rate plan in June 2011 which is similar to the Travelers rate plan and has worked well for us in the past year. They have also announced an 11.3% rate increase effective August 1, 2012. Grange Insurance is a new personal lines market with competitive auto and homeowners rates. Both Travelers and Grange now require a minimum deductible of $1,000 for new homeowners policies. The minimum deductible for Grange is $1,500 for monoline homeowners or policies with a prior claim. We are looking at the rate renewals and rating options which include Mutual Benefit, Travelers, Penn National, the Hartford, Grange, Encompass and Main Street America Group. We remain committed to low cost coverage for your personal insurance needs.