Umbrella, Renters & Valuables Insurance Watch

Why this is recommended

A renters policy that doubled at renewal, a jewelry floater that now needs a new appraisal, or an umbrella that raised its underlying auto minimum to $500,000 each turn into a surprise at claim time. The Tab reads the filings first.

What the Tab covers

Who it is for

The 44 million renters, anyone with a ring or a bike worth more than their deductible and every household with enough assets to be sued.

When it runs

Insurers file rate and coverage changes mid-week and policies renew on the first of the month

Scope

State Farm, Allstate, Lemonade, Progressive, Liberty Mutual, USAA, Travelers, Nationwide, Farmers, Chubb, Jewelers Mutual, Assurant, Toggle and GEICO renters, umbrella and valuables lines; state rate filings and nonrenewals; landlord and property manager coverage requirements; scheduled property, appraisal and inflation guard rules; pet, phone, wedding and event insurance; claims and replacement cost rule changes; state rules on rideshare and delivery coverage

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

Renters insurance rate filings and landlord requirement changes, umbrella policy price and minimum underlying limit changes, jewelry, art, collectible and electronics scheduled coverage rule and appraisal changes, pet, phone and wedding insurance rule changes, insurer nonrenewals in these lines, state rules on rental and gig-driver coverage and claims process changes, with the insurer or state first.

Track renters, umbrella and valuables insurance in the United States. Report only confirmed, source-backed items from the last 7 days: renters insurance rate filings of 10 percent or more, nonrenewals and coverage changes by state at State Farm, Allstate, Lemonade, Progressive, Liberty Mutual, USAA, Travelers, Nationwide, Farmers, Chubb, Toggle and GEICO; umbrella policy price, limit and underlying coverage requirement changes; jewelry, art, collectible, bike and electronics scheduled coverage rules, appraisal requirements and claims changes at Jewelers Mutual, Chubb, Assurant and the major carriers; pet, phone, wedding and event insurance rule or price changes; landlord and property manager renters insurance requirement changes; state rules on rideshare and delivery driver coverage; and state insurance department actions with refunds. Prefer state insurance departments, insurer pages, rate filing databases and established insurance reporting; ignore agent marketing and unverified claim anecdotes. Put the insurer or state first in the title with the number and the date. Use high severity for a nonrenewal wave, a rate increase of 20 percent or more, or a coverage rule change that leaves common items uncovered. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, what to do at renewal, the date, and the source link. If nothing qualifies, push nothing and submit the run receipt.