profit performance actions improve focused Jeff. remained we that results. on objectives underwriting long-term trends our Overarching, macroeconomic to to responding by taking the to have impact our Thanks, and continued our have the
improve profitable increases performance of the we to segments As profitability workers' averaged and while to growth pricing our first in across generate increases commercial implement lines most favorable implementing we identified business more XX%, these pursuing aggressive initiatives, future. we continue in book areas excluding Rate underwriting commercial to in of specifically, are with during by expect take actions lines significant that striving the challenged. go-forward certain compensation diligently geographies also strategic the are rate quarter. and Starting
remained strong retention areas at over pullback in XX% Premium targeted improvement. despite our profit intentional for just
Our damage. labor and as impact of commercial of and as in property cost especially macroeconomic and trends higher the reflect claim severity physical auto well trends parts materials, ongoing
was by lines ratio. line several losses points multi-peril quarter, quarter of business loss contributing the commercial Our commercial fire X.X impacted to first the in
have for that we designed of likelihood business underwriting changes are and While insure and of number guideline it's specific frequency losses, to the actions reduce our in occurrences. the to nature a implemented fire of fire large these
April, without And X.X quarter the wind storms. impacted that while In points then percentage results impact insureds of caused loss commercial power Donegal losses to the March, quarter losses several days were and catastrophe Michigan, first and regions million. our Pennsylvania, week In Indiana. first of expect as estimated for event second to day losses was with And March our a through days. our Tennessee, toured storm contributed our $X These the wind Ohio by driven the a in lines winter ice last storms impact ratio. be late Weather-related a March, leaving that we event X on the minimal hail X primarily of retention close February, the event to intercompany Mutual. for approximately XX we impacted and to
loss commercial Miller Excluding over segment the XXX quickly initiatives reserve over past earlier, prior core impact and we to actions XX business a the the has execution development whole. now. and as addition to that ongoing ratio And our underwriting however, I'll XX in the summarize year months, positive first continued to commercial the in we've of large loss Jeff profit than rate rate improving for every begun the fire and points several in of quarter discussed reflect on commercial line the losses, lines, favorable more increases improvement weather-related basis taken
of we've exit those and we Alabama in to Georgia recently to the states decision due announced profitability our in business challenges of lines the states. commercial had First,
as viable to for lines move a We continue personal lines market be strategic only. is a this Georgia for commercial will
writing these new business nonrenewing in We states in commercial longer beginning July. are existing begin no will accounts and X
classes we or re-underwriting profit-challenged several also exiting nonstrategic or of Second, are business.
pricing we're we're to expanding the And use our decisions. underwriting the Third, to advanced properties. business in and new enhancing renewal in we them and catastrophe-exposed our assist underwriters data analytics of finally, provide
introduced For in example, prior quarters, we guidance policies earlier in the new model quarter. a pricing commercial as our package mentioned for first I
Kevin significantly mentioned enhanced believe making, and of market. processing it straight-through commercial facing products in improve to the our X the enhancement accounts agency compete will the was we with new for This commercial and rollout small small ability planned quality years in portal capabilities. a
engaging be the we of quarter our expect to business. third commercial to look forward and of this grow the We year, to rollout segment in with small our agents completed the
lines. as retention. premium reflected growth new premium rate during premium personal expectations Turning that as to growth The double-digit first well XXX% exceeded contributed increases to the our quarter that
received recently with in reengaged of Having X our new June. new since we Michigan, regulatory have our expect that final for in the introduced our agents approval XX in and policies products in we begin Our XXth us state line to personal state products for lines rollout, personal issuing states.
While to of current trends. we we are to pace pleased successful control new launch pricing continue our our to relative product, with taking of monitor are actions the our as growth the loss we
While increases to our be generally the it ratio was our the quarter, due expectations line line premium. our to first reflected personal in in for earned lines rate projected elevated time net with was loss for
perspective, only to quarter, of ratio. personal and the within a fire significantly contributing line XX% to frequency business more the loss prior the than points declining from Compared losses year homeowners lines large both X.X moderated
to for losses the X.X to On year ratio X.X% loss hand, in only other the weather-related the compared percentage contributed first prior quarter points period. the
fared tools to underwriters manage pricing well our during While concentrations and prior spread to manage weather-prone compared the weather We're considering risk-adjusted the of we severity events and appropriate several year geographic areas. ensure risk of to relatively continuing help are implementing quarter, elevated the in quarter.
Filed future year year. planned see lines averaged XX%. earlier business, lines impact And the business, and increases the of personal our insured I comments we north In our quarter, we're core for our nearly effective XX%. continue we made beginning rate XXX improvement to improvement additional rate renewal. X%, lines a personal of both at rate our quarter, quarter achieved for to for averaging X.X% to homeowners accelerated was the line filed and basis rate averaged products. similar to personal and loss our and personal rate homeowners lines the plan automobile increases compared commercial take for first surpassed values ratio quarter of actions increase prior the throughout business. rate We've underwriting favorable of in about to dates our XXXX, from first point with both automatically legacy the the on although primarily remainder increases were lines rate increases new of Achieved higher, X% but first the Overall, with exposure impact
As our level, strategies. our our granularity achieving balanced ultimately spread We're a of risk of the profitability. strategies a state a of continue the more we'll year refining greater to business, goal and fine-tune substate of with progresses, to book improving
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