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
45
Carriers
10
Avg impact
+54.4%
Max increase
+206.0%
Max decrease
-33.0%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| MN | 3 | +16.4% |
| CT | 2 | +44.7% |
| GA | 2 | +76.0% |
| ID | 2 | +78.0% |
| KS | 2 | +109.4% |
| MD | 2 | +9.5% |
| MI | 2 | +23.1% |
| NC | 2 | +63.0% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| American Financial Group26 states | +95.4% | 29 |
| 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 Group1 states | -9.2% | 1 |
| Nationwide Corporation Group1 states | -4.9% | 1 |
| Munich RE Group1 states | +4.1% | 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 | HI | - 25.12 Cw Revision Filing | +114.1% | +267.9% |
| Feb 11, 2026 | American Financial Group | IN | - 25.12 Cw Revision Filing | +112.3% | +480.9% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Valuable Articles | Tokio Marine Holdings Incorporated Group | New | 33 | Jun 23, 2026 |
| Expert Collector® Valuable Collections Program | Markel Corporation Group | Revised | 7 | Jun 23, 2026 |
| Retail Travel | Assurant Incorporated Group | New | 2 | Jun 23, 2026 |
| Expert Collector® Program | Markel Corporation Group | Revised | 2 | Jun 18, 2026 |
| Valuable Articles Program | AXA Insurance Group | Revised | 74 | Jun 14, 2026 |
| Pure Jewelry Art & Insurance Program | Tokio Marine Holdings Incorporated Group | Revised | 4 | Jun 12, 2026 |
Top carriers
American Financial Group100
Tokio Marine Holdings Incorporated Group86
ACORD Corporation84
AXA Insurance Group74
ACP Insurance Mgmt LLC Group70
Markel Corporation Group65
Munich RE Group59
Allstate Insurance Group41
Top states
GA44
NC40
MS29
MT28
KS26
ND26
ID25
LA25