We continue our efforts to improve our overall personal lines results.  We appreciate all you are doing to retain your best customers. 

Based on negative loss trends on our Dwelling Fire line we are adjusting our overall base rates effective March 1, 2012 as shown below:

·         Michigan:        Overall base rate increase of 6%

·         Ohio:              Overall base rate increase of 9% 

These adjustments are necessary because of adverse loss trends.  They will also help us to keep up with rising claim costs.   

Please let your Personal Lines Underwriter or me know if you have any questions.  We appreciate your continued loyalty to Frankenmuth Insurance.