Spinnaker Insurance Company, through Millennial Specialty Insurance (MSI), has filed in Wisconsin to update its Renters program. The submission, dated September 2, 2025, introduces a new HO4 Tenant Policy Application.

The filing, categorized under Homeowners/Tenant policies, is scheduled to take effect on December 15, 2025, for both new and renewal business.

No policyholder counts or premium details were disclosed in the filing, which focuses strictly on form updates rather than rate changes. The application prominently features MSI branding, underscoring its role in the product’s administration.