HiRoad withdrew its Arizona renters insurance filing after the state raised objections to how the company submitted its predictive model. The filing, submitted on March 11, 2026 and withdrawn on March 13, 2026, proposed updates to rates, rating structure, and discounts for its renters product.

The program covers a small book of business, with 216 policyholders and approximately $51,819 in written premium.

At the core of the filing was the introduction of a new GLM-based predictive model, along with the addition of credit-based insurance scores and updates to multi-policy and affinity discounts. Regulators instructed HiRoad to split the submission into two filings: one dedicated to the predictive model and another for the rate and rule changes referencing that model.

Beyond the modeling issue, the filing outlined a revised rating structure, including a base rate increase (from $245 to $255.56), updated fixed expenses, and expanded use of behavioral and credit-based factors. Discounts included up to 15% for multi-policy customers, 5% for affinity groups, and additional credits for protective devices such as alarms and sprinkler systems.

The product maintains standard renters coverage, including personal property, loss of use, and liability protections, with optional add-ons such as cyber coverage, sewer backup, and earthquake protection.

HiRoad was approved to write renters insurance beginning June 2021.