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
137
Carriers
46
Avg impact
+5.1%
Max increase
+39.5%
Max decrease
-15.0%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| NJ | 8 | +5.5% |
| MO | 7 | +4.5% |
| MA | 6 | +4.9% |
| MS | 6 | -0.2% |
| WI | 6 | +5.7% |
| IN | 5 | +4.5% |
| NE | 5 | +6.0% |
| OK | 5 | +7.4% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Grinnell Mutual Group9 states | +18.0% | 9 |
| Amica Mutual Group16 states | +8.5% | 16 |
| Lititz Mutual Group3 states | +6.7% | 3 |
| Munich RE Group13 states | +6.1% | 14 |
| Encova Mutual Insurance Group3 states | -4.0% | 3 |
| Armed Forces Insurance Exchange3 states | +3.7% | 3 |
| Liberty Mutual Group9 states | +2.6% | 9 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jul 24, 2026 | Nationwide Corporation Group | DE | Dwelling Fire | +39.5% | +15.0% |
| Sep 29, 2026 | JAB Holding Company Group | HI | Pets Best Ipic Forms/Rates | +30.0% | +75.0% |
| May 27, 2026 | Mountain West Farm Group | CO | Property 26.1 | +24.3% | +57.7% |
| Jan 13, 2026 | Amica Mutual Group | DC | Dc-D-26-1-Rr | +21.6% | +21.9% |
| Jan 23, 2026 | Amica Mutual Group | NM | Nm-D-26-1-Rr | +20.3% | +23.3% |
| Jul 8, 2026 | Munich RE Group | CT | Dwelling Program | +20.2% | +31.2% |
| Apr 21, 2026 | Amica Mutual Group | OK | Ok-D-26-2-Rr | +19.6% | +20.1% |
| Jan 9, 2026 | Grinnell Mutual Group | OH | Equipment Breakdown Farm | +18.0% | +18.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Id Dwelling Fire Plan of Withdrawal Forms | Horace Mann Group | Withdrawn | 1 | Nov 10, 2026 |
| Id Dwelling Fire Plan of Withdrawal Rate/Rule | Horace Mann Group | Withdrawn | 1 | Nov 10, 2026 |
| Mt Dwelling Fire Plan of Withdrawal | Horace Mann Group | Withdrawn | 1 | Nov 10, 2026 |
| Ok Dwelling Fire Plan of Withdrawal | Horace Mann Group | Withdrawn | 1 | Nov 10, 2026 |
| First Select Dwelling | Assurant Incorporated Group | Withdrawn | 14 | Nov 9, 2026 |
| Choice Dwelling | Assurant Incorporated Group | Withdrawn | 13 | Nov 9, 2026 |
Top carriers
Top states
TX63
IL62
LA56
WI47
AR45
MD45
CA42
MA42