Spinnaker Insurance Company has submitted a new application form for its renters program in North Carolina, effective December 1, 2025.

The filing introduces the HO4 Tenant Policy Application (MSI APP NC 10 23), managed by program administrator Millennial Specialty Insurance (MSI). The form includes fields for annual premium, policy fee, and a $3.00 installment fee, with no other fees or assessments proposed.

Fraud warnings are prominently featured, noting that misrepresentation or concealment of facts may void coverage. The filing applies only to forms and carries no rate or premium impact.