A public signal built from private renewal notices.

What RateReceipt does

Home insurance renewal notices arrive one household at a time. That makes it hard for homeowners to know whether a change is unusual, local, or part of a wider pattern. RateReceipt turns minimal self-reported renewal data into privacy-protected state summaries.

Each premium contribution asks for only a supported state, renewal month, last year's annual premium, and the new annual premium. The site also accepts separate nonrenewal, coverage restriction, and deductible increase reports so availability signals do not distort premium medians.

What RateReceipt does not do

RateReceipt is not an insurance agency, broker, quote marketplace, law firm, financial advisor, or claims service. It does not rank insurers, recommend coverage, collect policy documents, or decide whether a premium is fair.

The tracker is informational. It should be used as a starting point for questions to ask your insurer, licensed agent, or state insurance department.

Why the data is limited

The site deliberately avoids names, emails, ZIP codes, street addresses, policy numbers, insurer names, and uploaded documents. That keeps the public signal narrower, but it also reduces the chance that a report can identify a specific household.

State-level summaries publish only after a privacy threshold is reached. Unusual outliers are held out of public aggregate calculations until they can be reviewed more carefully.

Commercial disclosure

RateReceipt may later display clearly labeled paid links to licensed quote providers. Paid links are separated from the community tracker and do not change how anonymous reports are calculated. Read the advertising disclosure.