Product background
Personal inland marine covers movable or scheduled property sold for personal, family, or household purposes, including personal articles and similar property that may not fit cleanly inside a standard homeowners form.
Personal inland marine filings help compare scheduled property forms, valuation provisions, appraisals, deductibles, loss settlement, exclusions, territory, and coverage for high-value personal property.
Common filing signals
- Personal inland marine coverage forms, personal articles floaters, declarations, and schedules
- Jewelry, fine arts, collectibles, camera, musical instrument, and similar scheduled property endorsements
- Valuation, appraisal, deductible, mysterious disappearance, pair or set, and territory provisions
Rate impact
Filings
48
Carriers
11
Avg impact
+50.6%
Max increase
+206.0%
Max decrease
-33.0%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 3 | +59.1% |
| MN | 3 | +16.4% |
| OK | 3 | +26.1% |
| CT | 2 | +44.7% |
| ID | 2 | +78.0% |
| IN | 2 | +56.2% |
| KS | 2 | +109.4% |
| MD | 2 | +9.5% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| American Financial Group26 states | +94.2% | 29 |
| AMEX Assurance Company1 states | +51.4% | 1 |
| Allstate Insurance Group2 states | -30.6% | 2 |
| 05-057 Vasa-Spring Garden Mutual Insurance Company1 states | -15.0% | 1 |
| Mountain West Farm Group1 states | +13.5% | 1 |
| Progressive Group2 states | -6.9% | 2 |
| Nationwide Corporation Group1 states | -4.9% | 1 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Feb 12, 2026 | American Financial Group | VT | - 25.12 Cw Revision Filing | +206.0% | +287.3% |
| Feb 11, 2026 | American Financial Group | ND | - 25.12 Cw Revision Filing | +174.5% | +364.7% |
| Feb 11, 2026 | American Financial Group | KY | - 25.12 Cw Revision Filing | +151.4% | +597.1% |
| Feb 9, 2026 | American Financial Group | OH | - 25.12 Cw Revision Filing | +123.6% | +480.9% |
| Feb 19, 2026 | American Financial Group | NC | - 25.12 Cw Revision Filing | +122.0% | +422.8% |
| Feb 16, 2026 | American Financial Group | MS | - 25.12 Cw Revision Filing | +114.1% | +190.5% |
| Feb 11, 2026 | American Financial Group | IN | - 25.12 Cw Revision Filing | +112.3% | +480.9% |
| Mar 24, 2026 | American Financial Group | KS | - 25.12 Cw Revision Filing | +109.4% | +403.5% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| - Personal Contents Form Revisions | American Financial Group | Revised | 5 | Sep 14, 2026 |
| Inland Marine | Liberty Mutual Group | New | 1 | Sep 14, 2026 |
| Collectibles Program | Munich RE Group | Revised | 11 | Sep 9, 2026 |
| Expert Collector Program | Markel Corporation Group | Revised | 7 | Sep 9, 2026 |
| North Carolina Personal Inland Marine | Auto Owners Group | Revised | 1 | Sep 9, 2026 |
| Valuable Articles Program | AXA Insurance Group | Revised | 91 | Sep 8, 2026 |
Top carriers
AXA Insurance Group91
American Financial Group86
ACORD Corporation84
Tokio Marine Holdings Incorporated Group77
Munich RE Group60
Markel Corporation Group54
ACP Insurance Mgmt LLC Group49
Auto Owners Group40
Top states
GA44
NC42
LA29
IL28
MS28
IN27
KS27
PA26