Product background
Personal property fire and allied lines coverage protects property sold for personal, family, or household purposes. This page follows personal property coverage rather than separate credit personal property products.
Personal property filings are useful for studying household property forms, declarations, deductibles, state notices, and endorsements for water, wind, hail, earthquake, and other property-specific perils.
Common filing signals
- Personal property coverage forms, declarations, notices, and amendatory endorsements
- Water backup, windstorm or hail, earthquake, roof, valuation, and replacement cost forms
- State-specific disclosures, cancellation notices, and deductible schedules
Rate impact
Filings
173
Carriers
56
Avg impact
+8.6%
Max increase
+302.3%
Max decrease
-7.5%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| MA | 10 | +5.3% |
| NJ | 10 | +6.5% |
| TN | 8 | +12.2% |
| WI | 8 | +6.6% |
| GA | 7 | +5.8% |
| MO | 7 | +5.2% |
| SC | 7 | +46.3% |
| IN | 6 | +4.0% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| National Security Group5 states | +44.3% | 9 |
| Texas Farm Bureau Mutual Group1 states | +29.8% | 1 |
| California FAIR Plan1 states | +29.1% | 1 |
| Philadelphia Contributionship Group1 states | +20.7% | 1 |
| Grinnell Mutual Group9 states | +18.0% | 9 |
| Nazareth Mutual Insurance Company1 states | +17.3% | 1 |
| Hyundai Marine and Fire Insurance Company Ltd.1 states | +16.8% | 1 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Oct 13, 2025 | National Security Group | SC | Nsfc-Sc-Df-2025-Contents | +302.3% | +921.7% |
| Aug 27, 2025 | National Security Group | TN | Nsfc-Tn-Df-2025-Contents | +59.4% | +176.9% |
| Sep 19, 2025 | Texas Farm Bureau Mutual Group | TX | Dp_20250922_Rates_Tfbu | +29.8% | +584.0% |
| Sep 29, 2025 | California FAIR Plan | CA | Personal Dwelling Fire and Allied Lines | +29.1% | +201.2% |
| Oct 22, 2025 | Munich RE Group | NE | Dwelling Program | +26.1% | +52.4% |
| Mar 26, 2026 | Alfa Insurance Group | GA | Legacy Homeowner | +24.1% | +18.1% |
| Jan 13, 2026 | Amica Mutual Group | DC | Dc-D-26-1-Rr | +21.6% | +21.9% |
| Oct 13, 2025 | Philadelphia Contributionship Group | PA | Pa Dp Rr V2 | +20.7% | +45.7% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Ff | Shelter Insurance Group | Revised | 25 | Aug 11, 2026 |
| Df | Shelter Insurance Group | Revised | 10 | Aug 11, 2026 |
| Wa Dp Forms 07-01-27/07-01-27 | Horace Mann Group | Revised | 1 | Aug 10, 2026 |
| Dwelling Fire | WT Holdings Group | Other | 12 | Aug 7, 2026 |
| Md Dp Form | Philadelphia Contributionship Group | Revised | 1 | Aug 7, 2026 |
| Md Dp Rr | Philadelphia Contributionship Group | Revised | 1 | Aug 7, 2026 |
Top carriers
Farmers Insurance Group155
Liberty Mutual Group89
Auto Owners Group51
Grinnell Advisory Company, L.L.C.37
Munich RE Group36
Shelter Insurance Group35
Amica Mutual Group33
Tiptree Financial Group33
Top states
TX60
MA59
IL53
WI51
LA50
MD47
AR45
IN39