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
154
Carriers
49
Avg impact
+7.8%
Max increase
+302.3%
Max decrease
-14.9%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| NJ | 9 | +5.3% |
| WI | 8 | +6.2% |
| MA | 7 | +5.6% |
| GA | 6 | +6.4% |
| MO | 6 | +5.4% |
| TN | 6 | +3.2% |
| CT | 5 | +8.7% |
| IL | 5 | +4.3% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| National Security Group4 states | +78.1% | 4 |
| California FAIR Plan1 states | +29.1% | 1 |
| Mountain West Farm Group2 states | +18.6% | 2 |
| Grinnell Mutual Group9 states | +18.0% | 9 |
| Nazareth Mutual Insurance Company1 states | +17.3% | 1 |
| Union Mutual Insurance Company1 states | +15.0% | 1 |
| Frontier - Mt Carroll Mutual1 states | -14.9% | 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% |
| 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% |
| May 27, 2026 | Mountain West Farm Group | CO | Property 26.1 | +24.3% | +57.7% |
| 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% |
| Jan 23, 2026 | Amica Mutual Group | NM | Nm-D-26-1-Rr | +20.3% | +23.3% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Dwelling Program - Landlord | Farmers Insurance Group | Revised | 45 | Sep 15, 2026 |
| Dwelling Program | Munich RE Group | Revised | 32 | Sep 15, 2026 |
| Dwelling Program | Farmers Insurance Group | Revised | 1 | Sep 15, 2026 |
| Dwelling Fire | Auto Owners Group | Revised | 15 | Sep 14, 2026 |
| Landlord | Liberty Mutual Group | Revised | 43 | Sep 11, 2026 |
| Application | Kemper Corporation Group | Revised | 1 | Sep 11, 2026 |
Top carriers
Farmers Insurance Group168
Liberty Mutual Group82
Grinnell Advisory Company, L.L.C.47
Tiptree Financial Group46
RLI Insurance Group44
OBS Holdings Group40
Siriuspoint Group40
Auto Owners Group37
Top states
TX62
IL61
LA59
WI59
AR49
IN46
MA44
NE41