UNSPSC 84131502: Homeowners or renters insurance

UNSPSC 84131502 Homeowners or renters insurance, a Commodity code, maps poorly to the state and local procurement activity in the source block. State and local governments are buying commercial property and casualty insurance brokerage and consulting services—placing comprehensive property, liability, workers' compensation, crime, cyber, and specialty coverages for municipal operations, school districts, transit authorities, and other public entities—rather than homeowners or renters insurance products. The mismatch between the code's nominal scope and the actual solicitations suggests the code does not reflect current state and local procurement practice in this domain.

The issuing bodies span state departments, counties, cities, school districts, and special-purpose public entities across multiple states. Recent opportunities name the California Department of Toxic Substances Control, Hillsborough County (Florida), the City of McKinney (Texas), the University System of Georgia, Burke County (Georgia), Union County School District (Georgia), the City of Lubbock (Texas), the City of Daytona Beach (Florida), the Illinois State Toll Highway Authority, the County of Los Angeles, Clarke County School District (Georgia), Redmond School District (Oregon), and Manor Independent School District (Texas). Solicitations cluster in Texas, Florida, Georgia, and the Pacific Northwest. Representative recent opportunities include Hillsborough County Board of County Commissioners requesting insurance consulting and brokerage services (RFP 2600292, due July 24, 2026, estimated contract value $1,000,000), Clarke County School District issuing a property and liability insurance renewal RFP (RFP #26-0504, market requests due February 27, 2026), and the City of Lubbock soliciting comprehensive consulting and broker services for property and casualty insurance (RFP 26-19575-KM, due April 30, 2026). Contracts typically run one to five years with renewal options; compensation structures include flat annual fees, commissions net of fees, or fixed unit prices depending on the entity and scope.