We wrote in our last newsletter about Mutual Benefit rate increases for auto and homeowner’s. The homeowner’s rate increase was effective in January 2011 and the automobile rate increase was effective in April. Most of these renewals have been processed and reviewed. We have moved some of this business to other markets including Penn National, Travelers, Encompass, Hartford, Foremost and Progressive. The Hartford has a special program targeted to the 50+ market and we have included notice about this program in our newsletter. In many cases, the Mutual Benefit rates remain competitive as a package. Travelers has implemented a rate increase to their homeowner’s insurance program which is also not uniform. Flat roofs are targeted for higher increases in the new Travelers rates. The Travelers auto insurance program rates have also changed and renewal policies can be rewritten to a policy with a lower rate. We are looking at most renewals and rating options. Feel free to contact us also to discuss your options. We remain committed to low cost coverage for your personal insurance needs.