Columbus, Ohio, August 31, 2012: The Financial Stability Rating^® (FSR) of A, Exceptional, assigned to Hurst Home Insurance Company, Inc. has been affirmed by Demotech, Inc.  This level of FSR is assigned to insurers who possess exceptional financial stability related to maintaining positive surplus as regards policyholders, liquidity of invested assets, an acceptable level of financial leverage, reasonable loss and loss adjustment expense reserves (L&LAE) and realistic pricing.

FSRs summarize Demotech’s opinion of the financial stability of an insurer regardless of general economic conditions or the phase of the underwriting cycle.  FSRs utilize statutory financial data based on insurance accounting principles prescribed or permitted by the National Association of Insurance Commissioners (NAIC).  Since 1989, FSRs of A or better have been accepted by the major participants in the secondary mortgage marketplace.

About Hurst Home Insurance Company, Inc.

Hurst Home Insurance Company (HHI) was organized in 1891 by a group of farmers in Central Kentucky as a cooperative/assessment company.  From its inception, HHI’s mission statement has remained unchanged – to provide the most financially strong and stable insurance protection to its members at the lowest possible cost.  This goal is accomplished by the use of conservative underwriting guidelines and investment criteria.  HHI maintains a very strong policyholders’ surplus position as compared to its premium writings.

About Demotech, Inc.

Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers.  Since 1985, Demotech has served the insurance industry by assigning accurate, reliable and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurers and Title underwriters.  FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer.  Demotech’s philosophy is to review and evaluate insurers based on their area of focus and execution of their business model rather than solely on financial size.  This philosophy was the catalyst for the Demotech Company Classification System, which was published in Insurance Journal, in order to stratify and categorize insurers into operational categories.  Visit www.demotech.com for more information.

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