Methodology
How the renewal tracker works.
RateReceipt is intentionally simple: calculate individual change immediately, publish only aggregate patterns after a privacy threshold.
Inputs
A contribution contains a launch state, a renewal month in 2026, last year's annual premium, and the new annual premium. We deliberately do not request ZIP code, exact address, insurer, policy type, or policy documentation during early access.
Calculation
Annual dollar change is the new annual premium minus the prior annual premium. Percentage change is annual dollar change divided by the prior annual premium, rounded to one decimal place.
Publication threshold
Your personal receipt appears immediately after submission. A state median, state report count, or state percentile is displayed publicly only once at least 10 qualifying submissions are available for that state.
Quality rules
Duplicate submissions from the same browser and identical renewal values are blocked. Reports with changes below -80% or above +300% remain removable contributions but are held out of aggregate calculations pending future review capability.
Limitations
This is an opt-in sample, not a scientific survey or a verified insurance rate filing database. Participants may differ from all homeowners, and policy coverage differences can materially affect premiums. The tracker should be read as community signal, not market pricing or advice.