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
46
Carriers
12
Avg impact
+50.3%
Max increase
+89.9%
Max decrease
-37.6%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| GA | 3 | +59.1% |
| MN | 3 | +16.4% |
| OK | 3 | +26.1% |
| CT | 2 | +44.7% |
| IN | 2 | +56.2% |
| KS | 2 | +109.4% |
| MD | 2 | +9.5% |
| NC | 2 | +63.0% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| American Financial Group26 states | +94.8% | 28 |
| North Star Company Group7 states | +1.5% | 7 |
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 Inland Marine | Hannover Group | Revised | 22 | Nov 10, 2026 |
| Expert Collectorâ® Program | Markel Corporation Group | Revised | 3 | Nov 10, 2026 |
| Credit Card Enhancements | Amtrust Financial Services Group | Revised | 1 | Nov 10, 2026 |
| Classic Automobile Inland Marine Program | Markel Corporation Group | Withdrawn | 17 | Nov 9, 2026 |
| Personal Inland Marine | Grinnell Mutual Group | Revised | 37 | Nov 6, 2026 |
| Ws Refresh Travel Filings | Arch Insurance Group | Revised | 2 | Nov 6, 2026 |
Top carriers
Top states
GA49
NC39
IL35
PA29
CT28
LA27
KS24
IN23