Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2013

Home , Home insurance, Property insurance

Market Distribution and Average Cost by Policy Form and Amount of Insurance

2013 Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance

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Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2013

Table of Contents

Purpose of Report ...... 1

Data ...... 1

Limitations on the Data ...... 2

Residual Market Data ...... 3

Policy Forms/Types ...... 3

Analysis of the Data ...... 4

Factors Affecting the Cost of Insurance ...... 8

Geographic Area, Real Estate and Construction Costs ...... 8

Catastrophe Exposure ...... 8

Defective Drywall ...... 12

Mold Damage ...... 12

Terrorism ...... 13

Other Variables ...... 13

Summary ...... 14

Table 1: 2013 House-Years by State and Countrywide by Policy Type ...... 15

Table 2: 2013 House-Years by State and Countrywide by Policy Form ...... 19

Table 3: 2013 House-Years by State and Countrywide by Amount of Insurance ...... 23

Table 4: 2013 Average Premium by Policy Form by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms ...... 31

Table 5: 2013 Average Premium by Policy Form by Amount of Insurance Homeowners Tenants and Condominium/Cooperative Unit Policy Forms ...... 137

© 2016 National Association of Insurance Commissioners © 2016 National Association of Insurance Commissioners Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2013

Market Distribution and Average Cost by Policy Form and Amount of Insurance

Purpose of Report

This report provides countrywide and state-specific premium and exposure information for non- commercial dwelling fire insurance and for homeowners insurance package policies. Homeowners package policy data are for the homeowners owner-occupied policy forms (HO-1, HO-2, HO-3, HO-5 and HO-8), the tenant policy (HO-4) and the condominium/cooperative unit owner’s policy (HO-6). This narrative describes the data and discusses the way economic, demographic and natural phenomena impact the price of homeowners insurance.

Data

Data consist of written exposures, expressed as house-years,1 and aggregate written premiums by state and countrywide for the 2013 data year. Premium and exposure information was collected for all states and the District of Columbia. The data are displayed in five tables. Three tables show individual state and countrywide exposures grouped by 1) policy type; 2) individual policy form; and 3) amount of insurance coverage, divided into ranges, with percentages of total exposures provided. The last two tables display by-state and countrywide average premiums. Average premiums are calculated by dividing premiums by exposures for each policy form and range of insurance coverage, and represent the cost of a year of coverage. Percentages of totals are provided.

Policy forms included in the report are described in detail in the following section. The ranges of insurance amounts extend to higher levels of coverage for the dwelling fire and homeowners owner-occupied policy forms than those for the tenant and condominium insurance, because premiums for the latter two policy forms do not include coverage for the residential structure.

To the extent that data are reported to statistical agents, data for statutorily established FAIR plans are included.

This report is not comprehensive of all statistical agents as there may be smaller statistical agents that do not report data to the NAIC. The data is limited to what was provided by the following companies, whose cooperation and assistance in compiling this report is greatly appreciated:

• Data for all states, except Texas and California, were provided by the American Association of Insurance Services; ISO Data, Inc.; the National Independent Statistical Service; and Independent Statistical Service, Inc. (ISS).

1 One house-year represents policy coverage on a dwelling for 12 months. Most often, it consists of coverage for one policy for an entire 12-month period, but it may also represent a number of policies for which the combined lengths of coverage total 12 months (e.g., four policies, each with three months of coverage).

© 2016 National Association of Insurance Commissioners 1 • Texas data were obtained from the Texas Department of Insurance. Historically, the Texas department developed its own home insurance policy forms that are similar, but not identical, to homeowners policy forms countrywide. Although, starting in 2002, insurers were permitted to file their own independent forms, some companies continue to use the forms previously promulgated by the department.

• California data were provided by the California Department of Insurance. The state began collecting homeowners data in 1998, starting with the 1996 data year.

Limitations on the Data

Average premium is an imperfect measure of the relative “price” of insurance due to wide variations in hazards, economic conditions and real estate values from state to state. Even when comparing identical policy forms and amounts of insurance, premiums for homeowners coverage can differ dramatically across the country. These market differences are explored in more detail in a later section of this narrative. Premium for a homeowners policy is determined by the amount of insurance purchased (generally based on the value of the insured property), the types of property covered, the types of perils covered, and the specific limits and deductibles a policyholder chooses.

Averages developed for this report reflect all of these variables and more. For each state, some general assumptions can be made about the types of insurance policies sold, the value of property insured, and policyholders’ cost for loss protection for residential property and personal belongings.

The premium and exposure data Texas reports to the NAIC include the premiums but not the underlying exposures for the Texas Windstorm Insurance Association (TWIA), Texas’ coastal wind insurer of last resort. TWIA writes exclusively “wind-only” policies, and only collects basic information about policy type of the underlying “ex-wind” homeowners policy. The overwhelming majority of homeowners premium reported by TWIA is coded as “HO-3” (Texas “HO-B”); this is significantly different from the distribution of policies in the coastal region of Texas. Therefore, it is highly likely that a significant portion of TWIA’s premiums are reported as “HO-3” when the underlying exposures are reported as “HO-1,” “HO-2,” or “HO-5.” Thus, the average “HO-3” premium for Texas is artificially high as a result.

Other Southeastern states have wind pools in operation that similarly may not be included in this report.

Beginning with the 2011 data year, this report has sought to include data directly from residual market mechanisms. These mechanisms serve as a state’s insurer of last resort and/or to write high-risk policies, such as wind-only supplemental policies. When possible, complete policies and supplemental policies were either categorized as the form number associated with the underlying policy or in accordance to the residual market mechanism’s criteria. If the underlying policy was unavailable, the supplemental policies were marked as HO-3 policies, the most common owner-occupied policy form. For the supplemental policies, premium has been included, but exposures were excluded. This was done to avoid double-counting, as it is likely the underlying primary policy, and its exposure, has already been included in the report.

The cooperation and assistance of the residual market data providers in compiling this report were greatly appreciated. Data were provided by the Alabama Insurance Underwriting Association; Florida Citizens Property Insurance Corporation; Louisiana Citizens Property Insurance Corporation; Massachusetts Property Insurance Underwriting Association; Michigan Basic Property Insurance Association; Mississippi Windstorm Underwriting Association; Mississippi Residential Property Insurance Underwriting Association; New Jersey Insurance Underwriting Association; North Carolina Joint Underwriting Association; Ohio FAIR Plan Underwriting Association; Rhode Island Joint Reinsurance Association; and South Carolina Wind and Hail Underwriting Association.

Policy Forms/Types

Data for this report were collected for eight policy forms that are grouped into three broad categories (policy types) for comparison purposes.

Dwelling fire policy (one family, owner-occupied, non-seasonal buildings)

Under a dwelling fire policy, an insured purchases individual coverages on an a la carte basis; i.e., fire perils separately from extended coverage perils, and coverage for buildings separately from outbuildings and contents. Only the data for fire coverage for single-family owner-occupied dwellings are included in this report. Thus, the dwelling fire data (indicated by “DW” in the report) are not directly comparable to the homeowners data, but are presented to provide an estimate of the cost for insurance purchased under the dwelling fire program.

Homeowners package policies for owner-occupied dwellings (1-4 family units)

2 • HO-1: Basic “named-perils” coverage on buildings and personal property. • HO-2: Broad “named-perils” coverage on buildings and personal property; provides coverage for more perils than HO-1 package. 3 • HO-3: Provides “all-risks” coverage on buildings, broad named-peril coverage on personal property; most common package written. • HO-5: Provides “all-risks” coverage on buildings and personal property.

2 Insures against any loss incurred by the insured due to a peril named in the policy (e.g., fire, lightning, hail, etc.). 3 Insures against risks of direct loss, except losses specifically stated in the policy as excluded from coverage (e.g., flood).

© 2016 National Association of Insurance Commissioners 3 • HO-8: Repair cost coverage for a dwelling whose replacement cost greatly exceeds its market value. Personal property, theft and additional coverages provided are similar to coverages provided under an HO-1 policy. Homeowners package policies for tenants, condominium and cooperative unit owners

• HO-4 (Renter’s Insurance): Broad “named-perils” coverage for the personal property of tenants. • HO-6 (Condo/Co-op Insurance): Broad “named-perils” coverage for personal property of condominium or cooperative unit owners, as well as certain building items in which the unit owner may have an insurable interest.

Homeowners owner-occupied policies represent a “package” of coverages for buildings, contents and liability. Accordingly, in each coverage range, the average premium for the dwelling fire policy represents less coverage than the corresponding homeowners policies. Homeowners tenants and condominium policies are similar to homeowners owner-occupied policies with respect to covered perils, contents coverage and liability. However, there is no building coverage other than the condo/co-op owner’s insurable interest.

Analysis of the Data

Table 1 provides exposure data in house-years by policy type. The table shows a countrywide total of 81,250,810.7 house-years. In 2013, homeowners owner-occupied policy exposures accounted for 75.9 percent of overall exposures countrywide. Tenant and condominium policy exposures accounted for 21.9 percent of the total, while dwelling fire exposures made up the remaining 2.2 percent.

Exposure data for the eight individual policy forms is provided in Table 2. The HO-3 accounted for 61.8 percent of all policy exposures and remains the most common policy sold by far. Figure 1 (next page) shows the percentage breakdown of exposures for the homeowners owner-occupied policy forms only. Countrywide, 81.5 percent of these exposures were written on the HO-3 form.

Figure 2 shows the percentage breakdown of countrywide exposures for the tenant and condo/co-op policy forms. Of these, 69.8 percent were written on the HO-4 form.

Figure 1 - 2013 Percent of Homeowners Owner-Occupied Written Exposures Countrywide By Policy Form HO-1 HO-2 HO-8 1.47% 3.86% 0.50%

HO-5 12.63%

HO-3 81.54%

Figure 2 - 2013 Percent of Tenant and Condominium/ Co-op Written Exposures Countrywide By Policy Form

HO-6 (Condo/Co-op) 30.16%

HO-4 (Tenants) 69.84%

© 2016 National Association of Insurance Commissioners 5 Tables 3A and 3B present countrywide and by-state exposure data divided between each of the ranges of insurance coverage amount. Dwelling fire policy data and data for the homeowners owner-occupied policy forms are grouped together in Table 3A, and data for the HO-4 and HO-6 forms are grouped together in Table 3B. Countrywide, in 2013, 69.7 percent of dwelling fire and homeowners owner- occupied policies were written for insurance coverage amounts between $50,000 and $300,000.

Tenant and condominium policies do not provide coverage for the building; therefore, the distribution of exposures for these types of policies is concentrated at significantly lower insurance amounts. Table 3B shows that 59.8 percent of the exposures for the HO-4 and HO-6 forms are concentrated at amounts below $32,000, and 88.5 percent of these policies provide less than $75,000 in coverage.

Table 4,4 which provides premium and exposure percentages by form, also groups data for the dwelling fire and the homeowners owner-occupied forms. Note that for the homeowners owner-occupied forms, the number of exposures in the “$24,999 and under” range was determined to be too low to produce meaningful average premium results. Data for this range was, therefore, combined with data in the “$25,000–$49,999” range, and an “$49,999 and under” range was created. An average premium for each policy form was then calculated for the combined range.

Figure 3 provides a comparison of dwelling fire and the five homeowners owner-occupied policy exposures by amounts of insurance coverage. Dwelling fire exposures represent 2.8 percent of total exposures and are most prevalent at insurance coverage amounts less than $50,000. In the less than $50,000 range, dwelling fire exposures account for 43.4 percent of the total, then drop to 22.6 percent at insurance amounts of $50,000–$74,999. At coverage amounts above $75,000, dwelling fire exposures account for no more than 7.9 percent of the total for each range.

Figure 4 compares HO-4 and HO-6 policy forms by coverage amounts. Countrywide, the HO-4 (tenants) form represents more policies written at lower coverage amounts. At coverage amounts above $44,000, the majority of exposures are written on the HO-6 (condo/co-op) form.

Tables 4 and 5 display state average premiums for each policy form. Examining the countrywide average premium data for dwelling fire and homeowners owner-occupied policies reveals some expected results. In general, the average premium increases as the amount of coverage increases for all policy types. Dwelling fire premiums are generally lower when compared to the five homeowners premiums, reflecting the more limited coverage offered by dwelling fire policies compared to homeowners packages. An increase from prior years in HO-8 average premium has been noted. All data related to this increase has been confirmed as accurate.

4Negative and zero exposures and premiums are denoted by an asterisk in Table 4. All exposure and premium amounts, including those that are negative, are included within the Table 4 totals. © 2016 National Association of Insurance Commissioners 6 Figure 3 - 2013 Percent Comparison of Dwelling Fire and Homeowners Owner-Occupied Written Exposures 100.0% 90.0% 80.0% 70.0% 60.0% 50.0% 40.0% 30.0% 20.0% 10.0% 0.0%

HO Owner-Occupied Dwelling Fire Amount of Insurance

Figure 4 - 2013 Percentages of Tenant and Condominium Written Exposures by Amount of Insurance 100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

HO-6 (Condo/Co-op) Amount of Insurance HO-4 (Tenants)

Geographic Area, Real Estate and Construction Costs

Many factors impact the cost of home insurance, resulting in large differences in average premiums throughout the United States. In general, real estate values and construction costs tend to be higher in areas of greater population density. Because the amount of home insurance needed is based on the value of the home, premiums are often higher in more heavily populated places. Vacation and retirement areas, as well as areas experiencing rapid economic growth, also tend to have relatively higher real estate values.

Construction costs vary based on the type of residence, availability of building materials and factors such as local climate and building regulations. Higher expected repair costs for value-added designs to reduce damages to the structure from earthquakes or hurricanes will impact the price of insurance. As shown in the following maps, these variations in costs are reflected in the range of median amounts of insurance purchased throughout the United States.

Catastrophe Exposure

Degree of exposure to catastrophe affects the cost of insurance to homeowners. Brush and forest fires, tornadoes, high winds, hail, freezing rain, snow storms, hurricanes, earthquakes, riots and even terrorist attacks are all types of catastrophes that can occur in the United States. Every place in the world has an exposure to some type of catastrophe, but some areas are more prone to certain types. Brush and forest fires are more common in the West. Hurricane exposure is greater in areas near the Gulf of Mexico and the Atlantic Ocean. Exposure to tornado damage is greatest in the central and southwestern United States, even though tornadoes can and do occur in nearly every state. Earthquake exposure also exists throughout the country because seismic faults are located in all regions.5 Terrorist attacks also are not specific to any geographic area, but have typically occurred in larger urban areas.

5 Although earthquake coverage is commonly endorsed onto a homeowners insurance policy, premiums for earthquake coverage are not included in the data. © 2016 National Association of Insurance Commissioners 8 2013 Homeowners Median Amount of Insurance

2013 Dwelling Fire Median Amount of Insurance

Since the late 1980s, catastrophes have been occurring with greater frequency and severity, and are a significant consideration in the pricing of home insurance. Until 1996, the Property Claims Services (PCS) unit of the Insurance Services Office considered an event a catastrophe when insured losses totaled $5 million or more. Beginning in 1997, the PCS no longer considered an event a “catastrophe” unless it resulted in insured losses that totaled $25 million or more. For the period 2005–2014, the total insured losses for U.S. catastrophes (in 2014 dollars) were more than $247.4 billion.6

The following table shows, in descending order of loss, the 10 most costly insured property U.S. catastrophes through 2014.7 Four of these were hurricanes that occurred during 2004 and 2005, including Hurricane Katrina. Most of the events listed below occurred after 2003.

Rank Date Peril Dollars when In 2014 Dollars Occurred (millions) (millions)* 1 Aug. 2005 Hurricane Katrina $41,100 $48,383 2 Sep. 2001 World Trade Center, Pentagon Terrorist Attacks 18,779 24,279 3 Aug. 1992 Hurricane Andrew 15,500 23,785 4 Oct. 2012 Superstorm Sandy 18,750 19,307 5 Jan. 1994 Northridge, CA Earthquake 12,500 18,345 6 Sep. 2008 Hurricane Ike 12,500 13,639 7 Oct. 2005 Hurricane Wilma 10,300 12,125 8 Aug. 2004 Hurricane Charley 7,475 9,083 9 Sep. 2004 Hurricane Ivan 7,110 8,639 10 Apr. 2011 Tuscaloosa, AL Tornado 7,300 7,652 Property coverage only. Does not include flood damage covered by the federally administered National Flood Insurance Program. *Adjusted for inflation through 2014 by ISO using the GDP implicit price deflator.

The Federal Emergency Management Agency (FEMA) definition of disaster includes chemical emergencies, dam failure, earthquake, fire, wildfire, flood, hazardous material, heat, hurricane, landslide, nuclear power plant emergency, terrorism, thunderstorm, tornado, tsunami, volcano, wildfire, and winter storm. The following table lists the number of declared disasters, by state and year.8

6 Insurance Information Institute, www.iii.org/facts_statistics/catastrophes-us.html; includes copyrighted material of Insurance Services Office, Inc., with its permission. 7 Ibid. 8 Federal Emergency Management Agency (FEMA), www.fema.gov/disasters/grid/year,as of 11/25/2015.

State 2015 2014 2013 2012 2011 State 2015 2014 2013 2012 2011 Alabama 0 1 0 2 1 Montana 0 2 1 1 1 Alaska 1 2 1 2 2 Nebraska 1 3 1 0 2 Arizona 0 1 0 0 0 Nevada 0 1 0 0 0 Arkansas 1 2 3 0 2 New Hampshire 1 0 2 2 3 California 1 1 1 0 2 New Jersey 1 0 0 2 5 Colorado 1 0 3 1 0 New Mexico 0 2 2 1 2 Connecticut 1 0 1 1 3 New York 0 2 2 1 4 Delaware 0 0 0 1 1 North Carolina 0 1 2 0 2 District of Columbia 0 0 0 2 2 North Dakota 0 1 3 0 2 Florida 0 1 1 2 0 Ohio 0 0 1 1 1 Georgia 1 1 0 0 1 Oklahoma 1 1 2 2 4 Hawaii 0 2 0 1 1 Oregon 0 1 0 1 2 Idaho 0 0 0 0 1 Pennsylvania 0 0 2 0 3 Illinois 0 0 2 0 2 Rhode Island 1 0 1 1 1 Indiana 0 1 0 1 1 South Carolina 1 1 0 0 0 Iowa 1 3 4 0 4 South Dakota 1 1 4 0 1 Kansas 1 0 2 1 2 Tennessee 1 2 0 1 5 Kentucky 4 1 0 1 2 Texas 1 0 2 0 2 Louisiana 1 0 1 1 2 Utah 0 0 0 2 2 Maine 1 0 1 0 2 Vermont 2 2 2 1 4 Maryland 0 1 0 2 2 Virginia 0 0 0 2 3 Massachusetts 1 0 1 2 3 Washington 2 2 0 2 1 Michigan 0 1 1 0 0 West Virginia 5 0 1 4 0 Minnesota 0 1 2 1 3 Wisconsin 0 0 1 1 1 Mississippi 1 1 1 1 2 Wyoming 1 0 0 0 1 Missouri 1 1 2 0 3 Other* 4 2 6 0 3

Grand Total 2015 2014 2013 2012 2011 Disaster Declarations 40 45 62 47 99 *Other - American Samoa, Federated States of Micronesia, Guam, Northern Mariana Islands, Puerto Rico, US Virgin Islands, & Tribal Governments

The number of tornadoes averaged 1,202 per year during the 2005-2014 time period, but the number in individual years ranged from a low of 888 in 2014 to a high of 1,692 in 2008.9 These figures serve to emphasize the variability and unpredictability of catastrophe losses. The impact that various catastrophes have on rates from state to state must be considered in any evaluation of average premiums.

9 Insurance Information Institute, www.iii.org/facts_statistics/tornadoes-and-thunderstorms.html; U.S. Department of Commerce; Storm Prediction Center; National Weather Service.

© 2016 National Association of Insurance Commissioners 11 Insurers use computer models to estimate the potential cost of catastrophic events, particularly in the absence of a sufficient amount of relevant loss experience. For example, the potential insured loss in the New Madrid region due to an earthquake is predicted to be significant, but the fact that the last major earthquake in that area occurred in 1812—when there were considerably fewer people and buildings—makes it difficult to rely on previous experience to accurately price earthquake coverage in the area.

Computer models use insurer exposure and loss experience; geological, meteorological and seismic data; structural engineering and construction data; and other applicable information to simulate catastrophes in a specific region to more accurately estimate the cost of paying for losses that could occur. The methodology used by a catastrophe-modeling firm is typically considered proprietary information, and insurance regulators have no direct authority over the modelers. However, when a rate filing relies in part on a computer model, an insurance department may require an insurer or rating organization to provide supplemental information pertaining to the model’s input data to determine whether the filing meets the requirements of the state insurance laws.

Defective Drywall

Due to the extensive damage to homes and buildings by the unusual number of hurricanes10 that struck the United States between 2004 and 2008, the amount of drywall needed to repair damages was not readily available in the United States; therefore, drywall was imported into the United States from China. Indicators of the existence of defective drywall normally appear roughly 24 months after the installation of the product. Complaints regarding defective drywall began to emerge in the summer of 2008. The initial complaints came primarily from individuals living in and around the southern region of Florida. The problems with the defective drywall include the smell of rotten eggs; failure of air conditioning equipment; and corrosion of pipes, wiring, furniture, fixtures and jewelry. It also should be noted that the corrosion of electrical wiring can hamper the effectiveness of smoke detection and can create a risk of fire. Many samples of the defective drywall have been tested. The testing of these samples detected three volatile sulfur-containing compounds: hydrogen sulfide, carbonyl sulfide and carbon disulfide. Health problems—including irritated eyes and skin, asthma attacks, sinus infections, bloody noses, headaches and persistent cough—also have been reported.11

Although evidence suggests that there are problems associated with certain imported drywall used in the building of homes, it is too early to tell whether the cost of homeowners coverage will be affected.

Mold Damage

High insurance claim payments for mold damage garnered the attention of media outlets several years ago. This can be attributed to higher numbers of claims filed, as well as some extraordinary amounts awarded to claimants by judges and juries in certain areas of the country. Many insurers have considered mold an excluded peril, and the cost of paying for potential claims related to mold has not generally been factored into the price of most property policies. However, courts in several states have found that, in the absence of specific exclusionary language in the policy, payment for

10 These include Hurricane Ivan (2004), Hurricane Katrina (2005), and Hurricane Rita (2006). 11 www.nldhlaw.com/CM/EmergingTopics/Chinese-Drywall-White-Paper.pdf.

© 2016 National Association of Insurance Commissioners 12 certain types of mold damage is required. Examples include ancillary mold damage that results from an otherwise covered peril, the liability of builders for mold damage that results from new construction methods and materials, or the liability of property owners for potential health problems related to inhalation of mold spores.

Insurers have discovered that the repair of mold damage to property can be expensive. In response, insurers have added language to property and liability policies to explicitly exclude or limit coverage for mold. Some insurers have raised overall premiums to better reflect this exposure, while others offer mold-related coverage for an additional cost. The impact of insurer adjustments in pricing and policy language has been most evident since 2001.

Terrorism

The 2001 attacks on the World Trade Center and the Pentagon caused insurers to reassess their exposure to terrorist strikes on U.S. soil. Insurers now consider potential property claims that would result from terrorist attacks a significant risk and have taken steps to price the coverage appropriately. The September 11, 2001, terrorist attack on this country largely affected commercial insurers and reinsurers, but some personal property (including homes and autos) was also lost. Overall, however, the threat of terrorism has not affected the cost of homeowners coverage.

Other Variables

There are several other variables that impact the frequency and severity of home insurance losses and contribute to its cost. Loss experience and premiums among states and regions will vary considerably due to unique combinations of these variables. The following are some of the more significant factors contributing to these differences.

Building Structures: Recent losses from natural disasters, especially hurricanes and earthquakes, have increased awareness of the importance of minimizing the potential for damage to both new and existing structures. Many municipalities in high-risk areas have implemented more stringent building codes, resulting in changes in design and building materials. The cost to repair or replace more expensive materials has impacted premiums. Over the long run, however, the implementation of stricter building codes will result in structures that are less vulnerable to damage, which can help to reduce premiums. Specialized building features, such as the wood shingle roof that is prone to hailstorm and lightning damage, can ultimately impact premiums in areas where they become increasingly popular.

Population Density: Various trends evident in the data are related to the level of urbanization in an area. Urban areas tend to have more renters than rural areas. The District of Columbia, for example, is entirely urban. Approximately 53.1 percent of policies sold in Washington, D.C., in 2013 were tenant or condo/co-op policies, which reflects the high number of transient government employees and contractors living there. States with large numbers of seasonal workers and those with popular tourist and retirement locations might also tend to have higher percentages of tenant and condo/co-op policyholders. Not surprisingly, Florida, a major retirement state, and New York, which has a high number of tenants and condo/co-op owners in New York City, also have relatively high percentages of tenant and condominium/co-op exposures.

In addition, the fire suppression capacities in a given locale significantly impact home insurance rates. Insurers employ classification systems that measure such items as response times and

© 2016 National Association of Insurance Commissioners 13 proximity of a dwelling to a fire station and to working fire hydrants. It is rarely cost-feasible for rural areas to maintain the level of fire protection available to urban residents.

Economic Factors: Economic phenomena have a significant impact on home insurance premiums. Inflation increases the amount of insurance premiums over time. Interest rates and inflation have an effect on both real estate values and the price of durable consumer goods insured as contents.

Regulatory Environment: Rate and form filing laws for home insurance vary among states. Some states require insurers to file rates and policy forms for home insurance and have them approved before they can be used. Other states require rates and/or policy forms to be filed by the day they will be used, or within a given number of days following the effective date. In addition, the role played by regulators in setting and/or reviewing rates varies among the states.

Other: The risk of fires resulting from faulty heating systems is lower in warmer climates. However, other common causes of fires, such as careless smoking, cooking, electrical problems and children playing with matches, are not unique to any geographic region. There is generally an increased cost to insure homes with wood burning fireplaces, multi-car garages, and wooden decks. On the other hand, added features that reduce the risk of loss, such as security systems and fire detection devices, will often qualify a home for premium discounts.

Summary

Many factors impact home insurance premiums and losses. Real estate values, building and construction costs, vulnerability to catastrophes, the level of urbanization, and legal and economic phenomena result in wide variations in premiums, not only by region or state, but on local levels as well. Although the data in this report do not provide the necessary information for a thorough analysis of the effect of these factors on home insurance premiums, it is important to recognize the variety of factors that are reflected in the price of insurance.

The tables in this report were prepared under the direction of the Casualty Actuarial and Statistical (C) Task Force. Suggestions about how this report might be further improved are welcome. Questions may be referred to Aaron Brandenburg at (816) 783-8271 or Libby Quinn at (816) 783-8563.

Links to this report and other NAIC reports can be found on the NAIC website at: NAIC Publications

Table 1

2013 House-Years by State and Countrywide by Policy Type

2013 House-Years by Policy Type Homeowners Homeowners Tenants Dwelling Fire Total Owner-Occupied and Condo/Co-Op State House-Yrs % House-Yrs % House-Yrs % House-Yrs % Alabama 56,384.1 4.7 1,008,371.3 83.8 138,454.3 11.5 1,203,209.7 100.0 Alaska 4,834.2 2.7 131,940.3 72.6 44,915.2 24.7 181,689.6 100.0 Arizona 11,569.6 0.6 1,491,353.6 77.8 414,534.1 21.6 1,917,457.3 100.0 Arkansas 13,406.0 2.5 458,951.5 83.9 74,453.3 13.6 546,810.8 100.0 California 444,317.0 5.2 5,719,233.8 66.3 2,456,587.3 28.5 8,620,138.0 100.0 Colorado 8,221.1 0.5 1,214,642.8 69.9 515,470.8 29.7 1,738,334.7 100.0 Connecticut 3,529.3 0.4 749,094.7 76.4 228,463.5 23.3 981,087.5 100.0 Delaware 1,896.3 0.7 231,949.2 80.0 55,958.2 19.3 289,803.6 100.0 Dist. of Columbia 83.5 0.0 81,252.8 46.8 92,257.3 53.1 173,593.6 100.0 Florida 272,817.7 6.2 3,106,356.8 70.6 1,018,076.3 23.2 4,397,250.8 100.0 Georgia 32,046.8 1.3 2,051,393.3 80.4 469,121.2 18.4 2,552,561.3 100.0 Hawaii 1,929.3 0.5 212,913.7 59.7 141,771.3 39.8 356,614.3 100.0 Idaho 3,313.9 0.7 387,913.9 85.3 63,799.1 14.0 455,026.9 100.0 Illinois 11,591.2 0.3 2,518,048.9 73.9 875,491.1 25.7 3,405,131.2 100.0 Indiana 7,137.2 0.4 1,509,481.8 83.5 291,890.0 16.1 1,808,509.0 100.0 Iowa 6,374.8 0.7 705,146.0 78.6 185,455.8 20.7 896,976.6 100.0 Kansas 9,673.1 1.2 637,914.7 78.7 163,351.4 20.1 810,939.2 100.0 Kentucky 5,533.1 0.5 878,701.6 80.6 205,842.5 18.9 1,090,077.2 100.0 Louisiana 48,429.1 5.5 723,917.3 81.7 114,050.7 12.9 886,397.1 100.0 Maine 5,706.0 1.3 362,666.8 83.9 64,113.4 14.8 432,486.2 100.0 Maryland 3,749.9 0.2 1,366,812.3 73.2 496,386.8 26.6 1,866,949.0 100.0 Massachusetts 138,686.6 6.5 1,509,172.3 71.2 473,104.3 22.3 2,120,963.2 100.0 Michigan 18,820.8 0.7 2,237,591.8 81.3 496,051.2 18.0 2,752,463.7 100.0 Minnesota 6,161.7 0.3 1,332,028.6 73.7 468,398.4 25.9 1,806,588.7 100.0 Mississippi 32,180.0 6.1 442,633.9 84.5 48,794.0 9.3 523,607.9 100.0 Missouri 15,925.3 1.0 1,287,606.2 79.6 314,607.8 19.4 1,618,139.2 100.0 Montana 2,718.6 1.1 198,223.8 78.6 51,218.8 20.3 252,161.2 100.0 Nebraska 3,957.6 0.7 444,163.8 78.1 120,704.8 21.2 568,826.3 100.0 Nevada 2,900.6 0.4 534,092.6 71.3 212,391.5 28.3 749,384.7 100.0 New Hampshire 2,320.3 0.5 333,096.0 77.3 95,465.0 22.2 430,881.3 100.0 New Jersey 17,525.6 0.8 1,549,555.1 74.8 503,392.0 24.3 2,070,472.7 100.0 New Mexico 5,537.5 1.2 396,603.7 84.9 64,984.6 13.9 467,125.8 100.0 New York 27,706.0 0.7 2,817,231.6 70.3 1,162,066.8 29.0 4,007,004.3 100.0 North Carolina 142,470.3 6.0 1,856,244.2 78.5 365,516.2 15.5 2,364,230.7 100.0 North Dakota 820.7 0.5 119,842.5 70.1 50,334.4 29.4 170,997.6 100.0 Ohio 18,168.3 0.5 2,890,904.5 81.4 642,566.5 18.1 3,551,639.3 100.0 Oklahoma 25,303.6 2.9 729,262.3 82.7 127,248.5 14.4 881,814.4 100.0 Oregon 5,446.3 0.4 952,077.3 76.8 282,197.6 22.8 1,239,721.2 100.0 Pennsylvania 38,840.3 1.0 3,097,828.6 80.5 711,527.8 18.5 3,848,196.7 100.0 Rhode Island 8,282.6 3.0 218,159.0 78.8 50,492.8 18.2 276,934.4 100.0 South Carolina 21,149.6 1.8 935,846.9 81.0 198,630.2 17.2 1,155,626.7 100.0 South Dakota 1,957.3 0.9 165,254.3 76.7 48,184.6 22.4 215,396.3 100.0 Tennessee 21,991.1 1.3 1,386,837.2 82.2 278,463.3 16.5 1,687,291.5 100.0 Texas 193,732.3 3.5 4,310,939.3 76.9 1,097,987.0 19.6 5,602,658.6 100.0 Utah 4,840.7 0.6 605,343.5 77.6 169,462.9 21.7 779,647.1 100.0 Vermont 2,553.3 1.2 175,702.3 79.6 42,561.7 19.3 220,817.3 100.0 Virginia 9,655.1 0.4 1,782,033.5 74.5 601,511.0 25.1 2,393,199.6 100.0 Washington 17,920.1 0.8 1,751,340.8 74.9 569,495.0 24.4 2,338,755.8 100.0 West Virginia 5,595.0 1.3 376,814.7 89.1 40,510.9 9.6 422,920.6 100.0 Wisconsin 6,386.2 0.3 1,587,436.3 79.6 399,506.3 20.0 1,993,328.8 100.0 Wyoming 788.6 0.6 107,017.2 83.0 21,166.8 16.4 128,972.6 100.0 Total 1,752,884.6 2.2 61,678,940.3 75.9 17,818,985.8 21.9 81,250,810.7 100.0

Table 2

2013 House-Years by State and Countrywide by Policy Form

2013 House-Years by Policy Form DW HO-1 HO-2 HO-3 HO-4 State House-Yrs % House-Yrs % House-Yrs % House-Yrs % House-Yrs % Alabama 56,384.1 4.7 2.3 0.0 24,943.2 2.1 888,683.3 73.9 118,319.5 9.8 Alaska 4,834.2 2.7 36.1 0.0 115.0 0.1 131,625.1 72.4 33,443.4 18.4 Arizona 11,569.6 0.6 1,483.8 0.1 55,416.6 2.9 1,108,519.7 57.8 296,864.2 15.5 Arkansas 13,406.0 2.5 4.0 0.0 12,292.9 2.2 407,970.6 74.6 67,898.0 12.4 California 444,317.0 5.2 0.0 0.0 446.2 0.0 4,432,030.8 51.4 1,638,668.9 19.0 Colorado 8,221.1 0.5 485.3 0.0 41,723.4 2.4 908,888.7 52.3 317,978.8 18.3 Connecticut 3,529.3 0.4 6.0 0.0 27,629.0 2.8 697,971.1 71.1 125,755.3 12.8 Delaware 1,896.3 0.7 34.3 0.0 3,016.6 1.0 227,145.9 78.4 39,287.6 13.6 Dist. of Columbia 83.5 0.0 1.3 0.0 827.6 0.5 75,380.9 43.4 56,643.1 32.6 Florida 272,817.7 6.2 112,364.7 2.6 3,173.8 0.1 2,927,711.9 66.6 358,947.7 8.2 Georgia 32,046.8 1.3 338.9 0.0 67,174.8 2.6 1,859,715.5 72.9 387,458.4 15.2 Hawaii 1,929.3 0.5 41.0 0.0 2,038.0 0.6 209,734.3 58.8 45,461.3 12.7 Idaho 3,313.9 0.7 10.7 0.0 14,791.3 3.3 283,185.2 62.2 54,136.9 11.9 Illinois 11,591.2 0.3 334.7 0.0 114,749.6 3.4 2,031,633.0 59.7 485,246.6 14.3 Indiana 7,137.2 0.4 456.5 0.0 32,424.1 1.8 1,239,551.6 68.5 244,788.4 13.5 Iowa 6,374.8 0.7 52.3 0.0 12,356.8 1.4 590,411.8 65.8 143,227.7 16.0 Kansas 9,673.1 1.2 797.8 0.1 23,888.7 2.9 460,119.8 56.7 152,381.8 18.8 Kentucky 5,533.1 0.5 723.1 0.1 63,356.9 5.8 765,975.4 70.3 169,912.6 15.6 Louisiana 48,429.1 5.5 209.3 0.0 17,143.5 1.9 687,264.4 77.5 98,281.6 11.1 Maine 5,706.0 1.3 662.3 0.2 16,738.1 3.9 325,386.9 75.2 47,317.6 10.9 Maryland 3,749.9 0.2 1,971.4 0.1 40,077.6 2.1 1,161,007.7 62.2 372,911.2 20.0 Massachusetts 138,686.6 6.5 40.9 0.0 33,450.6 1.6 1,428,121.5 67.3 257,652.9 12.1 Michigan 18,820.8 0.7 1,054.1 0.0 55,765.3 2.0 2,013,163.1 73.1 322,470.5 11.7 Minnesota 6,161.7 0.3 611.5 0.0 28,429.9 1.6 964,099.8 53.4 299,832.3 16.6 Mississippi 32,180.0 6.1 690.4 0.1 15,242.4 2.9 408,702.3 78.1 44,712.5 8.5 Missouri 15,925.3 1.0 131.3 0.0 16,886.3 1.0 967,187.6 59.8 247,936.4 15.3 Montana 2,718.6 1.1 46.8 0.0 2,480.9 1.0 176,890.4 70.1 40,933.2 16.2 Nebraska 3,957.6 0.7 267.9 0.0 21,126.5 3.7 349,002.3 61.4 112,908.1 19.8 Nevada 2,900.6 0.4 10.2 0.0 4,521.1 0.6 413,392.8 55.2 153,163.9 20.4 New Hampshire 2,320.3 0.5 214.2 0.0 14,026.6 3.3 304,760.4 70.7 55,747.7 12.9 New Jersey 17,525.6 0.8 5,776.8 0.3 38,553.6 1.9 1,453,438.7 70.2 256,892.6 12.4 New Mexico 5,537.5 1.2 6.0 0.0 9,961.3 2.1 325,165.3 69.6 56,345.1 12.1 New York 27,706.0 0.7 780.3 0.0 201,970.4 5.0 2,464,807.8 61.5 698,669.7 17.4 North Carolina 142,470.3 6.0 3.0 0.0 84,881.5 3.6 1,742,291.8 73.7 295,536.3 12.5 North Dakota 820.7 0.5 156.3 0.1 6,647.0 3.9 80,824.8 47.3 42,363.3 24.8 Ohio 18,168.3 0.5 622.3 0.0 89,112.3 2.5 2,329,834.8 65.6 477,918.0 13.5 Oklahoma 25,303.6 2.9 1,012.8 0.1 39,623.1 4.5 547,947.1 62.1 117,644.5 13.3 Oregon 5,446.3 0.4 20.8 0.0 18,592.0 1.5 736,783.8 59.4 238,727.8 19.3 Pennsylvania 38,840.3 1.0 3,760.8 0.1 122,308.8 3.2 2,503,544.4 65.1 588,412.1 15.3 Rhode Island 8,282.6 3.0 5.4 0.0 20,261.2 7.3 191,059.3 69.0 33,218.8 12.0 South Carolina 21,149.6 1.8 26.1 0.0 20,945.3 1.8 886,324.9 76.7 141,589.2 12.3 South Dakota 1,957.3 0.9 208.2 0.1 5,689.6 2.6 121,840.4 56.6 43,583.8 20.2 Tennessee 21,991.1 1.3 28,762.2 1.7 32,826.2 1.9 1,221,837.0 72.4 227,097.1 13.5 Texas 193,732.3 3.5 739,718.3 13.2 795,052.6 14.2 2,254,555.9 40.2 1,019,343.7 18.2 Utah 4,840.7 0.6 37.8 0.0 14,957.0 1.9 416,952.4 53.5 110,568.4 14.2 Vermont 2,553.3 1.2 2,272.3 1.0 7,002.8 3.2 158,522.0 71.8 25,250.0 11.4 Virginia 9,655.1 0.4 585.8 0.0 27,251.3 1.1 1,590,544.8 66.5 473,473.5 19.8 Washington 17,920.1 0.8 46.2 0.0 38,485.1 1.6 1,327,697.1 56.8 449,001.8 19.2 West Virginia 5,595.0 1.3 1,020.3 0.2 17,802.1 4.2 309,654.2 73.2 36,876.3 8.7 Wisconsin 6,386.2 0.3 438.7 0.0 30,072.1 1.5 1,041,968.5 52.3 303,742.6 15.2 Wyoming 788.6 0.6 9.2 0.0 2,629.6 2.0 89,117.0 69.1 17,924.4 13.9 Total 1,752,884.6 2.2 908,352.2 1.1 2,390,877.7 2.9 50,239,945.6 61.8 12,444,466.6 15.3

2013 House-Years by Policy Form HO-5 HO-6 HO-8 Total State House-Yrs % House-Yrs % House-Yrs % House-Yrs % Alabama 83,203.0 6.9 20,134.8 1.7 11,539.5 1.0 1,203,209.7 100.0 Alaska 139.8 0.1 11,471.8 6.3 24.3 0.0 181,689.6 100.0 Arizona 286,199.4 14.9 117,669.9 6.1 39,734.1 2.1 1,917,457.3 100.0 Arkansas 25,603.8 4.7 6,555.3 1.2 13,080.2 2.4 546,810.8 100.0 California 1,286,192.8 14.9 817,918.3 9.5 564.0 0.0 8,620,138.0 100.0 Colorado 256,798.3 14.8 197,491.9 11.4 6,747.2 0.4 1,738,334.7 100.0 Connecticut 23,488.6 2.4 102,708.2 10.5 0.0 0.0 981,087.5 100.0 Delaware 1,614.5 0.6 16,670.6 5.8 137.9 0.0 289,803.6 100.0 Dist. of Columbia 5,042.8 2.9 35,614.3 20.5 0.3 0.0 173,593.6 100.0 Florida 18,905.0 0.4 659,128.6 15.0 44,201.4 1.0 4,397,250.8 100.0 Georgia 99,541.9 3.9 81,662.8 3.2 24,622.2 1.0 2,552,561.3 100.0 Hawaii 929.1 0.3 96,310.1 27.0 171.3 0.0 356,614.3 100.0 Idaho 89,586.3 19.7 9,662.2 2.1 340.5 0.1 455,026.9 100.0 Illinois 360,902.9 10.6 390,244.5 11.5 10,428.8 0.3 3,405,131.2 100.0 Indiana 228,898.8 12.7 47,101.6 2.6 8,150.9 0.5 1,808,509.0 100.0 Iowa 98,942.9 11.0 42,228.1 4.7 3,382.3 0.4 896,976.6 100.0 Kansas 147,011.3 18.1 10,969.7 1.4 6,097.2 0.8 810,939.2 100.0 Kentucky 31,544.8 2.9 35,929.9 3.3 17,101.4 1.6 1,090,077.2 100.0 Louisiana 10,782.7 1.2 15,769.1 1.8 8,517.5 1.0 886,397.1 100.0 Maine 18,711.7 4.3 16,795.8 3.9 1,167.8 0.3 432,486.2 100.0 Maryland 163,468.3 8.8 123,475.7 6.6 287.3 0.0 1,866,949.0 100.0 Massachusetts 47,116.9 2.2 215,451.3 10.2 442.4 0.0 2,120,963.2 100.0 Michigan 166,493.4 6.0 173,580.7 6.3 1,116.0 0.0 2,752,463.7 100.0 Minnesota 334,125.7 18.5 168,566.2 9.3 4,761.8 0.3 1,806,588.7 100.0 Mississippi 4,371.0 0.8 4,081.5 0.8 13,627.8 2.6 523,607.9 100.0 Missouri 281,920.1 17.4 66,671.3 4.1 21,480.9 1.3 1,618,139.2 100.0 Montana 18,160.3 7.2 10,285.7 4.1 645.3 0.3 252,161.2 100.0 Nebraska 71,728.8 12.6 7,796.8 1.4 2,038.3 0.4 568,826.3 100.0 Nevada 112,857.0 15.1 59,227.6 7.9 3,311.6 0.4 749,384.7 100.0 New Hampshire 13,989.2 3.2 39,717.3 9.2 105.7 0.0 430,881.3 100.0 New Jersey 51,677.4 2.5 246,499.4 11.9 108.6 0.0 2,070,472.7 100.0 New Mexico 58,923.2 12.6 8,639.5 1.8 2,547.8 0.5 467,125.8 100.0 New York 144,689.8 3.6 463,397.1 11.6 4,983.2 0.1 4,007,004.3 100.0 North Carolina 24,107.3 1.0 69,979.9 3.0 4,960.7 0.2 2,364,230.7 100.0 North Dakota 31,978.9 18.7 7,971.1 4.7 235.5 0.1 170,997.6 100.0 Ohio 458,423.8 12.9 164,648.5 4.6 12,911.4 0.4 3,551,639.3 100.0 Oklahoma 110,592.3 12.5 9,604.0 1.1 30,087.0 3.4 881,814.4 100.0 Oregon 195,893.1 15.8 43,469.8 3.5 787.8 0.1 1,239,721.2 100.0 Pennsylvania 453,600.1 11.8 123,115.7 3.2 14,614.4 0.4 3,848,196.7 100.0 Rhode Island 6,153.6 2.2 17,274.1 6.2 679.5 0.2 276,934.4 100.0 South Carolina 13,433.6 1.2 57,040.9 4.9 15,117.0 1.3 1,155,626.7 100.0 South Dakota 37,362.6 17.3 4,600.8 2.1 153.6 0.1 215,396.3 100.0 Tennessee 87,498.3 5.2 51,366.2 3.0 15,913.6 0.9 1,687,291.5 100.0 Texas 521,612.5 9.3 78,643.3 1.4 0.0 0.0 5,602,658.6 100.0 Utah 173,239.8 22.2 58,894.5 7.6 156.4 0.0 779,647.1 100.0 Vermont 7,814.1 3.5 17,311.7 7.8 91.1 0.0 220,817.3 100.0 Virginia 163,270.3 6.8 128,037.5 5.4 381.4 0.0 2,393,199.6 100.0 Washington 383,373.8 16.4 120,493.3 5.2 1,738.7 0.1 2,338,755.8 100.0 West Virginia 46,472.8 11.0 3,634.6 0.9 1,865.3 0.4 422,920.6 100.0 Wisconsin 512,488.5 25.7 95,763.7 4.8 2,468.6 0.1 1,993,328.8 100.0 Wyoming 14,938.6 11.6 3,242.4 2.5 322.8 0.3 128,972.6 100.0 Total 7,785,815.2 9.6 5,374,519.2 6.6 353,949.8 0.4 81,250,810.7 100.0

Table 3

2013 House-Years by State and Countrywide by Amount of Insurance

2013 House-Years by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms $50,000 to $75,000 to $100,000 to $49,999 and Under $74,999 $99,999 $124,999 State Exposure % Exposure % Exposure % Exposure % Alabama 22,589.5 2.1 37,918.3 3.6 74,438.8 7.0 123,945.1 11.6 Alaska 854.0 0.6 935.5 0.7 1,649.7 1.2 3,588.0 2.6 Arizona 23,850.7 1.6 14,590.8 1.0 32,718.5 2.2 77,127.3 5.1 Arkansas 11,351.4 2.4 19,966.5 4.2 41,252.2 8.7 59,865.3 12.7 California 3,853.3 0.1 5,652.2 0.1 13,457.0 0.2 45,954.4 0.7 Colorado 2,026.8 0.2 3,644.5 0.3 13,275.6 1.1 39,605.2 3.2 Connecticut 327.8 0.0 279.4 0.0 576.2 0.1 3,014.6 0.4 Delaware 199.5 0.1 307.4 0.1 1,257.7 0.5 5,588.6 2.4 Dist. of Columbia 9.3 0.0 21.0 0.0 54.3 0.1 488.9 0.6 Florida 45,614.7 1.3 14,978.6 0.4 44,235.8 1.3 156,148.3 4.6 Georgia 16,494.5 0.8 22,908.2 1.1 65,410.8 3.1 149,337.3 7.2 Hawaii 47.3 0.0 156.3 0.1 759.9 0.4 1,868.1 0.9 Idaho 548.1 0.1 2,060.0 0.5 10,166.5 2.6 30,169.4 7.7 Illinois 15,329.1 0.6 12,242.9 0.5 33,005.1 1.3 89,873.6 3.6 Indiana 14,705.6 1.0 25,724.2 1.7 75,068.7 4.9 151,140.2 10.0 Iowa 16,957.2 2.4 11,234.3 1.6 31,661.3 4.4 77,509.3 10.9 Kansas 10,493.4 1.6 18,882.4 2.9 43,103.5 6.7 67,185.8 10.4 Kentucky 17,399.2 2.0 31,680.9 3.6 67,217.6 7.6 105,735.7 12.0 Louisiana 16,900.3 2.2 23,982.8 3.1 56,472.3 7.3 87,493.1 11.3 Maine 1,833.3 0.5 3,676.3 1.0 7,526.9 2.0 16,649.5 4.5 Maryland 2,405.3 0.2 1,507.8 0.1 5,386.3 0.4 28,518.2 2.1 Massachusetts 1,614.4 0.1 1,606.2 0.1 2,666.8 0.2 7,741.0 0.5 Michigan 14,346.6 0.6 29,028.8 1.3 69,754.7 3.1 153,261.0 6.8 Minnesota 13,105.0 1.0 11,166.6 0.8 23,952.8 1.8 50,538.9 3.8 Mississippi 21,283.0 4.5 27,693.2 5.8 46,534.4 9.8 60,367.8 12.7 Missouri 11,136.9 0.9 24,403.5 1.9 54,232.6 4.2 103,214.2 7.9 Montana 1,113.2 0.6 2,378.4 1.2 7,220.6 3.6 15,872.3 7.9 Nebraska 4,950.1 1.1 9,830.9 2.2 24,544.0 5.5 49,796.3 11.1 Nevada 3,438.3 0.6 1,170.1 0.2 3,532.2 0.7 12,553.3 2.3 New Hampshire 549.1 0.2 1,127.1 0.3 2,625.2 0.8 7,145.0 2.1 New Jersey 1,710.1 0.1 3,199.3 0.2 3,827.8 0.2 9,679.1 0.6 New Mexico 2,336.8 0.6 3,925.7 1.0 14,336.9 3.6 33,903.0 8.4 New York 10,889.0 0.4 18,494.3 0.7 30,933.2 1.1 66,003.4 2.3 North Carolina 53,916.7 2.7 37,403.8 1.9 71,013.5 3.6 162,977.3 8.2 North Dakota 918.3 0.8 1,875.7 1.6 5,001.0 4.1 11,656.0 9.7 Ohio 12,143.8 0.4 28,001.7 1.0 82,594.1 2.8 221,958.7 7.6 Oklahoma 18,364.6 2.4 34,708.7 4.6 62,746.4 8.3 87,073.7 11.5 Oregon 1,065.7 0.1 2,067.3 0.2 8,349.8 0.9 31,846.1 3.3 Pennsylvania 19,015.3 0.6 29,092.4 0.9 42,435.8 1.4 106,634.1 3.4 Rhode Island 63.7 0.0 344.1 0.2 1,001.8 0.4 2,376.3 1.0 South Carolina 14,660.6 1.5 10,509.7 1.1 34,774.4 3.6 87,769.8 9.2 South Dakota 2,049.4 1.2 3,279.1 2.0 8,154.7 4.9 17,479.2 10.5 Tennessee 19,185.9 1.4 34,502.8 2.4 90,888.1 6.5 166,616.6 11.8 Texas 110,947.9 2.5 169,570.1 3.8 288,171.2 6.4 435,884.8 9.7 Utah 1,124.3 0.2 1,313.8 0.2 6,337.5 1.0 24,447.9 4.0 Vermont 1,534.1 0.9 1,909.9 1.1 2,976.8 1.7 4,982.6 2.8 Virginia 4,574.8 0.3 6,016.8 0.3 31,475.9 1.8 89,100.5 5.0 Washington 2,153.9 0.1 3,330.7 0.2 10,917.4 0.6 37,534.6 2.1 West Virginia 4,975.9 1.3 10,141.5 2.7 23,373.0 6.1 42,704.3 11.2 Wisconsin 42,267.9 2.7 12,893.3 0.8 31,918.5 2.0 74,151.8 4.7 Wyoming 268.8 0.2 1,182.0 1.1 4,305.3 4.0 9,232.2 8.6 Total 619,494.1 1.0 774,517.3 1.2 1,709,290.6 2.7 3,505,307.2 5.5 © 2016 National Association of Insurance Commissioners 25 Table 3A

2013 House-Years by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms $125,000 to $150,000 to $175,000 to $200,000 to $149,999 $174,999 $199,999 $299,999 State Exposure % Exposure % Exposure % Exposure % Alabama 143,112.0 13.4 144,007.8 13.5 118,617.6 11.1 252,226.3 23.7 Alaska 6,008.2 4.4 10,101.8 7.4 12,403.8 9.1 54,032.9 39.5 Arizona 137,434.9 9.1 192,323.3 12.8 198,090.2 13.2 493,778.3 32.9 Arkansas 69,271.6 14.7 64,458.8 13.6 51,861.2 11.0 99,119.8 21.0 California 124,196.8 2.0 246,850.2 4.0 359,463.3 5.8 1,985,232.3 32.2 Colorado 73,524.7 6.0 112,676.2 9.2 131,160.3 10.7 442,491.3 36.2 Connecticut 9,848.8 1.3 24,705.1 3.3 43,146.0 5.7 269,209.2 35.8 Delaware 12,234.5 5.2 19,646.4 8.4 23,644.7 10.1 87,769.1 37.5 Dist. of Columbia 1,886.1 2.3 3,934.4 4.8 5,362.3 6.6 23,158.3 28.5 Florida 281,736.1 8.3 398,504.9 11.8 413,518.1 12.2 1,205,432.8 35.7 Georgia 227,413.7 10.9 265,544.0 12.7 244,567.2 11.7 615,634.8 29.5 Hawaii 3,693.6 1.7 7,266.1 3.4 10,504.4 4.9 65,605.9 30.5 Idaho 51,342.4 13.1 59,472.7 15.2 52,290.8 13.4 118,701.6 30.3 Illinois 148,845.1 5.9 202,474.2 8.0 231,992.6 9.2 880,433.9 34.8 Indiana 203,693.3 13.4 217,584.7 14.3 192,870.6 12.7 418,230.7 27.6 Iowa 107,232.3 15.1 106,984.6 15.0 88,954.9 12.5 186,700.8 26.2 Kansas 81,304.3 12.6 83,069.0 12.8 74,556.4 11.5 168,073.1 26.0 Kentucky 124,211.5 14.0 115,900.4 13.1 92,488.9 10.5 204,986.4 23.2 Louisiana 98,314.2 12.7 99,130.1 12.8 87,985.8 11.4 192,613.6 24.9 Maine 29,060.2 7.9 41,822.2 11.4 44,328.0 12.0 130,208.5 35.3 Maryland 73,076.3 5.3 116,935.1 8.5 135,625.7 9.9 476,655.3 34.8 Massachusetts 19,283.7 1.2 46,934.1 2.8 79,305.0 4.8 525,961.1 31.9 Michigan 229,914.8 10.2 277,651.6 12.3 271,779.5 12.0 722,421.8 32.0 Minnesota 85,595.8 6.4 127,086.8 9.5 148,917.1 11.1 498,133.3 37.2 Mississippi 62,215.4 13.1 59,988.3 12.6 48,740.1 10.3 97,831.4 20.6 Missouri 150,713.2 11.6 170,421.7 13.1 155,356.9 11.9 382,545.8 29.3 Montana 24,115.1 12.0 28,491.7 14.2 26,164.6 13.0 60,795.9 30.3 Nebraska 71,897.3 16.0 72,355.6 16.1 54,765.7 12.2 109,572.2 24.5 Nevada 29,848.3 5.6 54,916.6 10.2 68,291.0 12.7 211,877.0 39.5 New Hampshire 15,603.9 4.7 26,708.2 8.0 34,233.8 10.2 129,768.5 38.7 New Jersey 20,380.8 1.3 44,641.8 2.8 69,388.1 4.4 485,827.3 31.0 New Mexico 50,526.5 12.6 55,763.5 13.9 51,278.8 12.8 115,079.4 28.6 New York 121,332.4 4.3 188,858.4 6.6 217,047.5 7.6 873,885.3 30.7 North Carolina 230,899.7 11.6 248,066.1 12.4 226,292.3 11.3 551,021.4 27.6 North Dakota 17,250.4 14.3 18,965.2 15.7 16,248.3 13.5 33,798.7 28.0 Ohio 357,036.8 12.3 416,239.3 14.3 379,266.8 13.0 922,111.1 31.7 Oklahoma 101,076.3 13.4 104,031.8 13.8 88,776.8 11.8 175,224.8 23.2 Oregon 69,176.1 7.2 105,600.0 11.0 119,333.9 12.5 361,030.9 37.7 Pennsylvania 226,301.4 7.2 364,232.9 11.6 405,909.3 12.9 1,133,888.7 36.1 Rhode Island 4,818.8 2.1 12,222.4 5.4 19,385.6 8.6 94,482.8 41.7 South Carolina 121,653.2 12.7 128,903.1 13.5 113,483.8 11.9 264,937.1 27.7 South Dakota 25,392.2 15.2 27,115.9 16.2 21,509.4 12.9 41,693.4 24.9 Tennessee 198,084.0 14.1 185,623.5 13.2 151,956.8 10.8 334,043.5 23.7 Texas 525,751.5 11.7 566,611.0 12.6 511,479.8 11.4 1,142,052.8 25.4 Utah 52,293.4 8.6 80,204.8 13.1 82,438.8 13.5 217,847.9 35.7 Vermont 8,775.4 4.9 14,755.6 8.3 18,233.8 10.2 65,917.8 37.0 Virginia 141,830.1 7.9 172,229.2 9.6 173,250.0 9.7 548,158.8 30.6 Washington 82,153.7 4.6 133,705.5 7.6 169,185.1 9.6 698,148.9 39.5 West Virginia 52,043.9 13.6 53,038.5 13.9 45,283.5 11.8 99,799.6 26.1 Wisconsin 136,236.8 8.5 189,714.2 11.9 202,866.0 12.7 571,885.7 35.9 Wyoming 13,320.6 12.4 15,374.8 14.3 14,518.5 13.5 31,933.2 29.6 Total 5,252,961.5 8.3 6,523,843.6 10.3 6,598,119.1 10.4 19,871,970.5 31.3 © 2016 National Association of Insurance Commissioners 26 Table 3A

2013 House-Years by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms $300,000 to $400,000 to $500,000 Total $399,999 $499,999 and Over State Exposure % Exposure % Exposure % Exposure % Alabama 81,697.9 7.7 32,007.4 3.0 34,194.7 3.2 1,064,755.3 100.0 Alaska 27,902.6 20.4 10,693.6 7.8 8,604.3 6.3 136,774.4 100.0 Arizona 179,126.1 11.9 70,576.4 4.7 83,306.7 5.5 1,502,923.2 100.0 Arkansas 30,201.3 6.4 12,191.8 2.6 12,817.8 2.7 472,357.5 100.0 California 1,529,559.8 24.8 822,066.7 13.3 1,027,264.8 16.7 6,163,550.8 100.0 Colorado 209,840.9 17.2 87,982.1 7.2 106,636.5 8.7 1,222,863.9 100.0 Connecticut 193,952.8 25.8 94,909.3 12.6 112,654.8 15.0 752,624.0 100.0 Delaware 46,751.8 20.0 20,050.2 8.6 16,395.6 7.0 233,845.4 100.0 Dist. of Columbia 17,230.1 21.2 10,443.7 12.8 18,747.8 23.0 81,336.3 100.0 Florida 447,649.2 13.2 160,971.8 4.8 210,384.4 6.2 3,379,174.5 100.0 Georgia 245,899.7 11.8 107,824.5 5.2 122,405.6 5.9 2,083,440.1 100.0 Hawaii 55,237.8 25.7 29,749.8 13.8 39,953.9 18.6 214,842.9 100.0 Idaho 37,685.2 9.6 13,519.8 3.5 15,271.4 3.9 391,227.8 100.0 Illinois 474,483.8 18.8 208,988.8 8.3 231,971.1 9.2 2,529,640.1 100.0 Indiana 126,888.8 8.4 44,183.5 2.9 46,529.0 3.1 1,516,619.0 100.0 Iowa 53,465.3 7.5 16,230.0 2.3 14,590.8 2.1 711,520.8 100.0 Kansas 57,094.4 8.8 21,044.1 3.2 22,781.3 3.5 647,587.8 100.0 Kentucky 71,082.1 8.0 25,527.8 2.9 28,004.2 3.2 884,234.7 100.0 Louisiana 60,223.4 7.8 22,385.3 2.9 26,845.8 3.5 772,346.4 100.0 Maine 53,101.2 14.4 19,915.1 5.4 20,251.8 5.5 368,372.8 100.0 Maryland 263,329.2 19.2 122,351.1 8.9 144,772.0 10.6 1,370,562.2 100.0 Massachusetts 434,515.2 26.4 243,927.3 14.8 284,304.2 17.3 1,647,858.9 100.0 Michigan 287,634.5 12.7 101,908.4 4.5 98,711.0 4.4 2,256,412.6 100.0 Minnesota 218,148.4 16.3 84,614.1 6.3 76,931.5 5.7 1,338,190.3 100.0 Mississippi 28,706.4 6.0 10,934.6 2.3 10,519.3 2.2 474,813.9 100.0 Missouri 144,962.4 11.1 52,199.8 4.0 54,344.4 4.2 1,303,531.4 100.0 Montana 19,744.5 9.8 6,902.4 3.4 8,143.8 4.1 200,942.3 100.0 Nebraska 31,575.8 7.0 9,805.3 2.2 9,028.4 2.0 448,121.4 100.0 Nevada 83,636.2 15.6 32,162.3 6.0 35,568.0 6.6 536,993.2 100.0 New Hampshire 65,205.8 19.4 25,433.7 7.6 27,016.0 8.1 335,416.3 100.0 New Jersey 431,922.7 27.6 236,939.5 15.1 259,564.3 16.6 1,567,080.7 100.0 New Mexico 39,426.8 9.8 15,889.3 4.0 19,674.4 4.9 402,141.2 100.0 New York 647,512.8 22.8 332,551.8 11.7 337,429.5 11.9 2,844,937.6 100.0 North Carolina 217,057.8 10.9 94,087.9 4.7 105,978.0 5.3 1,998,714.5 100.0 North Dakota 9,671.5 8.0 2,881.3 2.4 2,396.8 2.0 120,663.2 100.0 Ohio 292,889.2 10.1 99,658.6 3.4 97,172.8 3.3 2,909,072.8 100.0 Oklahoma 47,623.3 6.3 17,603.0 2.3 17,336.5 2.3 754,565.9 100.0 Oregon 149,905.6 15.7 56,943.0 5.9 52,205.3 5.5 957,523.6 100.0 Pennsylvania 455,650.5 14.5 175,727.7 5.6 177,780.8 5.7 3,136,668.9 100.0 Rhode Island 50,243.1 22.2 21,209.7 9.4 20,293.5 9.0 226,441.6 100.0 South Carolina 94,421.8 9.9 40,447.4 4.2 45,435.8 4.7 956,996.5 100.0 South Dakota 12,193.1 7.3 4,118.7 2.5 4,226.7 2.5 167,211.7 100.0 Tennessee 120,196.3 8.5 49,968.3 3.5 57,762.5 4.1 1,408,828.3 100.0 Texas 395,592.6 8.8 167,552.9 3.7 191,057.0 4.2 4,504,671.6 100.0 Utah 80,341.7 13.2 30,304.4 5.0 33,529.8 5.5 610,184.2 100.0 Vermont 31,362.3 17.6 12,714.7 7.1 15,092.8 8.5 178,255.6 100.0 Virginia 292,964.5 16.4 147,908.0 8.3 184,180.1 10.3 1,791,688.6 100.0 Washington 350,626.1 19.8 142,628.5 8.1 138,876.5 7.8 1,769,260.8 100.0 West Virginia 30,440.8 8.0 10,384.5 2.7 10,224.2 2.7 382,409.7 100.0 Wisconsin 201,830.9 12.7 66,415.9 4.2 63,641.6 4.0 1,593,822.5 100.0 Wyoming 9,641.1 8.9 3,335.3 3.1 4,694.2 4.4 107,805.8 100.0 Total 9,538,046.7 15.0 4,250,771.0 6.7 4,787,503.4 7.5 63,431,824.9 100.0 © 2016 National Association of Insurance Commissioners 27 Table 3B

2013 House-Years by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms $13,999 $14,000 to $20,000 to $26,000 to and Under $19,999 $25,999 $31,999 State Exposure % Exposure % Exposure % Exposure % Alabama 22,572.4 16.3 10,929.1 7.9 44,043.2 31.8 15,913.0 11.5 Alaska 9,084.2 20.2 3,338.7 7.4 7,848.2 17.5 5,391.9 12.0 Arizona 63,779.3 15.4 53,183.9 12.8 82,337.6 19.9 52,730.5 12.7 Arkansas 10,830.9 14.5 6,163.3 8.3 24,661.2 33.1 9,500.9 12.8 California 428,734.3 17.5 280,477.0 11.4 441,291.9 18.0 325,140.2 13.2 Colorado 73,584.7 14.3 39,963.2 7.8 107,069.2 20.8 66,413.3 12.9 Connecticut 20,134.2 8.8 22,681.9 9.9 43,792.8 19.2 29,393.6 12.9 Delaware 4,665.9 8.3 6,712.9 12.0 15,894.4 28.4 7,048.6 12.6 Dist. of Columbia 11,241.9 12.2 9,829.0 10.7 21,643.5 23.5 11,977.8 13.0 Florida 165,902.0 16.3 99,326.7 9.8 249,038.7 24.5 100,677.0 9.9 Georgia 64,540.5 13.8 54,419.7 11.6 156,893.2 33.4 54,069.5 11.5 Hawaii 31,592.3 22.3 7,880.2 5.6 28,020.5 19.8 13,445.8 9.5 Idaho 8,995.8 14.1 5,096.5 8.0 15,031.4 23.6 8,603.5 13.5 Illinois 95,215.4 10.9 83,795.6 9.6 167,139.9 19.1 111,876.2 12.8 Indiana 41,570.8 14.2 43,097.6 14.8 73,283.6 25.1 38,388.6 13.2 Iowa 16,687.1 9.0 18,146.0 9.8 42,119.8 22.7 26,563.1 14.3 Kansas 20,312.7 12.4 22,727.3 13.9 49,592.9 30.4 19,921.8 12.2 Kentucky 19,923.1 9.7 45,812.4 22.3 50,581.9 24.6 26,805.3 13.0 Louisiana 25,013.0 21.9 9,788.8 8.6 34,826.8 30.5 11,831.7 10.4 Maine 5,070.4 7.9 5,179.9 8.1 18,228.1 28.4 9,264.5 14.5 Maryland 50,908.5 10.3 54,690.0 11.0 137,839.5 27.8 61,020.5 12.3 Massachusetts 52,520.3 11.1 55,418.0 11.7 103,946.0 22.0 66,617.3 14.1 Michigan 92,214.2 18.6 53,385.1 10.8 85,710.0 17.3 51,514.6 10.4 Minnesota 40,305.8 8.6 61,942.5 13.2 112,077.7 23.9 54,360.3 11.6 Mississippi 7,682.1 15.7 4,403.2 9.0 16,456.3 33.7 6,046.7 12.4 Missouri 26,560.6 8.4 31,550.4 10.0 103,969.3 33.0 42,316.8 13.5 Montana 6,530.8 12.8 2,601.2 5.1 11,312.4 22.1 6,823.3 13.3 Nebraska 10,076.8 8.3 13,849.8 11.5 39,227.0 32.5 17,528.1 14.5 Nevada 54,926.9 25.9 27,321.7 12.9 45,284.3 21.3 24,942.7 11.7 New Hampshire 8,421.8 8.8 7,022.8 7.4 20,165.9 21.1 13,612.8 14.3 New Jersey 49,962.3 9.9 42,515.3 8.4 82,719.0 16.4 65,394.1 13.0 New Mexico 10,473.8 16.1 7,791.3 12.0 11,959.4 18.4 8,711.5 13.4 New York 58,355.3 5.0 88,112.3 7.6 216,650.3 18.6 160,054.0 13.8 North Carolina 19,854.9 5.4 44,402.8 12.1 133,226.3 36.4 48,761.5 13.3 North Dakota 5,365.5 10.7 6,198.2 12.3 11,736.4 23.3 6,696.1 13.3 Ohio 50,512.3 7.9 113,052.6 17.6 145,092.3 22.6 85,139.6 13.2 Oklahoma 21,003.8 16.5 10,035.8 7.9 40,438.8 31.8 15,605.3 12.3 Oregon 30,748.0 10.9 29,457.7 10.4 71,061.7 25.2 38,835.4 13.8 Pennsylvania 59,136.0 8.3 83,513.1 11.7 181,096.2 25.5 94,530.4 13.3 Rhode Island 6,123.2 12.1 8,722.7 17.3 10,693.5 21.2 6,760.8 13.4 South Carolina 33,353.0 16.8 15,722.8 7.9 58,191.1 29.3 23,834.6 12.0 South Dakota 3,977.2 8.3 6,908.8 14.3 14,009.0 29.1 6,736.6 14.0 Tennessee 37,031.8 13.3 59,779.3 21.5 58,427.3 21.0 32,419.4 11.6 Texas 208,507.8 19.0 120,102.5 10.9 357,709.9 32.6 119,497.2 10.9 Utah 21,945.2 12.9 21,770.8 12.8 37,216.4 22.0 21,349.1 12.6 Vermont 3,119.0 7.3 3,257.2 7.7 9,006.0 21.2 6,028.4 14.2 Virginia 88,046.4 14.6 50,758.2 8.4 140,325.6 23.3 74,039.3 12.3 Washington 56,590.7 9.9 47,407.1 8.3 128,302.8 22.5 87,982.9 15.4 West Virginia 4,026.9 9.9 5,913.7 14.6 11,929.8 29.4 5,088.3 12.6 Wisconsin 23,102.3 5.8 52,064.8 13.0 81,048.8 20.3 60,283.2 15.1 Wyoming 2,295.3 10.8 973.2 4.6 3,168.9 15.0 2,575.4 12.2 Total 2,283,128.9 12.8 1,959,194.1 11.0 4,153,336.4 23.3 2,260,062.6 12.7 © 2016 National Association of Insurance Commissioners 28 Table 3B

2013 House-Years by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms $32,000 to $38,000 to $44,000 to $50,000 to $37,999 $43,999 $49,999 $74,999 State Exposure % Exposure % Exposure % Exposure % Alabama 7,520.7 5.4 6,374.3 4.6 2,751.5 2.0 16,493.1 11.9 Alaska 2,810.3 6.3 2,473.3 5.5 1,310.0 2.9 6,980.2 15.5 Arizona 28,891.1 7.0 23,687.3 5.7 10,343.4 2.5 59,732.3 14.4 Arkansas 4,172.8 5.6 3,330.1 4.5 1,309.2 1.8 8,519.0 11.4 California 131,703.4 5.4 133,131.0 5.4 60,304.0 2.5 354,483.6 14.4 Colorado 31,288.8 6.1 27,628.9 5.4 13,334.5 2.6 82,507.6 16.0 Connecticut 16,143.8 7.1 13,812.7 6.0 8,259.8 3.6 39,436.0 17.3 Delaware 3,875.8 6.9 2,651.5 4.7 1,618.1 2.9 7,892.2 14.1 Dist. of Columbia 6,986.9 7.6 4,901.3 5.3 2,890.5 3.1 12,207.9 13.2 Florida 61,588.8 6.0 57,417.9 5.6 26,432.6 2.6 144,925.3 14.2 Georgia 24,890.9 5.3 19,120.7 4.1 8,515.0 1.8 48,999.2 10.4 Hawaii 20,700.2 14.6 7,450.1 5.3 3,428.2 2.4 18,229.1 12.9 Idaho 3,925.3 6.2 3,430.9 5.4 1,290.0 2.0 9,854.2 15.4 Illinois 59,388.2 6.8 57,123.2 6.5 28,463.1 3.3 150,003.2 17.1 Indiana 16,451.6 5.6 13,551.8 4.6 5,980.5 2.0 33,810.3 11.6 Iowa 13,116.8 7.1 12,711.8 6.9 5,277.5 2.8 28,854.5 15.6 Kansas 8,788.4 5.4 7,798.8 4.8 3,247.8 2.0 18,491.4 11.3 Kentucky 10,740.3 5.2 8,546.5 4.2 4,045.9 2.0 22,505.3 10.9 Louisiana 6,003.4 5.3 4,675.4 4.1 2,264.3 2.0 11,441.2 10.0 Maine 4,284.8 6.7 3,703.5 5.8 1,622.7 2.5 9,587.8 15.0 Maryland 29,453.7 5.9 24,124.2 4.9 14,327.8 2.9 67,772.1 13.7 Massachusetts 36,343.1 7.7 27,773.6 5.9 12,772.8 2.7 65,024.8 13.7 Michigan 30,792.5 6.2 22,474.6 4.5 11,162.2 2.3 73,680.3 14.9 Minnesota 25,861.9 5.5 24,725.3 5.3 9,798.3 2.1 71,115.9 15.2 Mississippi 2,785.8 5.7 2,154.1 4.4 782.4 1.6 5,146.6 10.5 Missouri 18,253.5 5.8 15,635.6 5.0 7,168.8 2.3 40,083.3 12.7 Montana 3,697.6 7.2 3,493.9 6.8 1,507.3 2.9 8,703.3 17.0 Nebraska 7,609.3 6.3 6,542.8 5.4 2,834.7 2.3 14,018.9 11.6 Nevada 9,900.8 4.7 8,776.3 4.1 3,526.9 1.7 22,654.2 10.7 New Hampshire 7,858.9 8.2 6,053.8 6.3 3,083.7 3.2 16,736.2 17.5 New Jersey 34,378.5 6.8 30,965.3 6.2 18,458.7 3.7 97,281.3 19.3 New Mexico 4,630.3 7.1 3,774.8 5.8 1,892.1 2.9 9,425.8 14.5 New York 83,970.5 7.2 88,851.6 7.6 62,533.6 5.4 224,865.4 19.4 North Carolina 21,396.8 5.9 16,620.8 4.5 7,498.9 2.1 43,788.5 12.0 North Dakota 3,476.7 6.9 3,203.3 6.4 1,380.2 2.7 7,499.8 14.9 Ohio 41,139.8 6.4 32,033.9 5.0 16,769.6 2.6 89,803.8 14.0 Oklahoma 7,093.1 5.6 6,150.9 4.8 2,417.3 1.9 15,308.8 12.0 Oregon 21,238.0 7.5 15,590.3 5.5 7,070.9 2.5 39,181.2 13.9 Pennsylvania 51,405.0 7.2 38,979.3 5.5 23,215.6 3.3 100,302.0 14.1 Rhode Island 3,125.8 6.2 2,664.3 5.3 1,250.3 2.5 6,614.1 13.1 South Carolina 11,159.9 5.6 8,734.2 4.4 4,361.9 2.2 25,697.2 12.9 South Dakota 2,802.7 5.8 2,607.7 5.4 1,025.0 2.1 6,197.5 12.9 Tennessee 13,897.3 5.0 11,474.0 4.1 4,899.8 1.8 33,511.3 12.0 Texas 50,035.1 4.6 40,869.4 3.7 16,819.1 1.5 100,647.0 9.2 Utah 9,853.5 5.8 8,992.4 5.3 4,058.5 2.4 24,548.8 14.5 Vermont 3,191.3 7.5 2,652.9 6.2 1,292.0 3.0 7,282.0 17.1 Virginia 40,030.3 6.7 31,295.1 5.2 17,344.8 2.9 88,336.6 14.7 Washington 41,500.7 7.3 35,660.8 6.3 14,855.0 2.6 88,542.8 15.5 West Virginia 2,500.0 6.2 2,035.1 5.0 1,157.2 2.9 4,948.3 12.2 Wisconsin 31,328.9 7.8 27,448.8 6.9 11,591.2 2.9 63,224.7 15.8 Wyoming 1,361.7 6.4 1,433.2 6.8 783.1 3.7 4,791.2 22.6 Total 1,115,345.2 6.3 967,312.8 5.4 480,327.9 2.7 2,551,686.8 14.3 © 2016 National Association of Insurance Commissioners

Table 3B

2013 House-Years by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms $75,000 to $100,000 Total $99,999 and Over State Exposure % Exposure % Exposure % Alabama 4,645.2 3.4 7,211.9 5.2 138,454.3 100.0 Alaska 2,238.3 5.0 3,440.3 7.7 44,915.2 100.0 Arizona 16,581.3 4.0 23,267.5 5.6 414,534.1 100.0 Arkansas 2,278.8 3.1 3,687.1 5.0 74,453.3 100.0 California 121,367.8 4.9 179,954.2 7.3 2,456,587.3 100.0 Colorado 26,254.3 5.1 47,426.3 9.2 515,470.8 100.0 Connecticut 13,518.3 5.9 21,290.5 9.3 228,463.5 100.0 Delaware 2,155.7 3.9 3,443.1 6.2 55,958.2 100.0 Dist. of Columbia 3,627.3 3.9 6,951.2 7.5 92,257.3 100.0 Florida 42,166.0 4.1 70,601.3 6.9 1,018,076.3 100.0 Georgia 13,833.7 2.9 23,838.9 5.1 469,121.2 100.0 Hawaii 4,595.5 3.2 6,429.6 4.5 141,771.3 100.0 Idaho 2,795.1 4.4 4,776.4 7.5 63,799.1 100.0 Illinois 48,263.7 5.5 74,222.8 8.5 875,491.1 100.0 Indiana 10,637.6 3.6 15,117.6 5.2 291,890.0 100.0 Iowa 9,542.8 5.1 12,436.4 6.7 185,455.8 100.0 Kansas 5,144.6 3.1 7,325.9 4.5 163,351.4 100.0 Kentucky 6,856.3 3.3 10,025.5 4.9 205,842.5 100.0 Louisiana 3,152.3 2.8 5,053.8 4.4 114,050.7 100.0 Maine 2,839.5 4.4 4,332.2 6.8 64,113.4 100.0 Maryland 20,738.5 4.2 35,512.1 7.2 496,386.8 100.0 Massachusetts 20,324.8 4.3 32,363.4 6.8 473,104.3 100.0 Michigan 28,055.9 5.7 47,061.9 9.5 496,051.2 100.0 Minnesota 25,896.5 5.5 42,314.2 9.0 468,398.4 100.0 Mississippi 1,395.6 2.9 1,941.3 4.0 48,794.0 100.0 Missouri 11,388.7 3.6 17,680.9 5.6 314,607.8 100.0 Montana 2,539.8 5.0 4,009.4 7.8 51,218.8 100.0 Nebraska 3,823.3 3.2 5,194.2 4.3 120,704.8 100.0 Nevada 5,843.3 2.8 9,214.4 4.3 212,391.5 100.0 New Hampshire 5,479.4 5.7 7,029.8 7.4 95,465.0 100.0 New Jersey 32,456.1 6.4 49,261.7 9.8 503,392.0 100.0 New Mexico 2,531.8 3.9 3,793.8 5.8 64,984.6 100.0 New York 62,803.1 5.4 115,870.7 10.0 1,162,066.8 100.0 North Carolina 11,801.0 3.2 18,164.8 5.0 365,516.2 100.0 North Dakota 2,214.6 4.4 2,563.7 5.1 50,334.4 100.0 Ohio 29,301.3 4.6 39,721.4 6.2 642,566.5 100.0 Oklahoma 3,829.7 3.0 5,365.0 4.2 127,248.5 100.0 Oregon 10,966.2 3.9 18,048.3 6.4 282,197.6 100.0 Pennsylvania 30,863.3 4.3 48,487.0 6.8 711,527.8 100.0 Rhode Island 1,853.7 3.7 2,684.6 5.3 50,492.8 100.0 South Carolina 7,075.8 3.6 10,499.8 5.3 198,630.2 100.0 South Dakota 1,691.9 3.5 2,228.3 4.6 48,184.6 100.0 Tennessee 10,502.5 3.8 16,520.5 5.9 278,463.3 100.0 Texas 29,852.8 2.7 53,946.3 4.9 1,097,987.0 100.0 Utah 7,545.0 4.5 12,183.2 7.2 169,462.9 100.0 Vermont 2,425.3 5.7 4,307.5 10.1 42,561.7 100.0 Virginia 26,683.2 4.4 44,651.6 7.4 601,511.0 100.0 Washington 26,096.2 4.6 42,556.1 7.5 569,495.0 100.0 West Virginia 1,241.3 3.1 1,670.4 4.1 40,510.9 100.0 Wisconsin 20,543.3 5.1 28,870.4 7.2 399,506.3 100.0 Wyoming 1,533.4 7.2 2,251.5 10.6 21,166.8 100.0 Total 791,790.8 4.4 1,256,800.4 7.1 17,818,985.8 100.0 © 2016 National Association of Insurance Commissioners 30

Table 4

2013 Average Premium by Policy Form by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Countrywide Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 268,768.8 43.4 51,101.1 8.2 25,492.1 4.1 191,506.2 30.9 Under Premium 82,237,783 35.7 23,654,657 10.3 16,116,188 7.0 71,101,260 30.9 Average $306 $463 $632 $371

$50,000 to Exposure 174,802.3 22.6 63,579.7 8.2 74,824.5 9.7 375,264.3 48.5 $74,999 Premium 78,080,663 15.3 49,157,975 9.6 56,334,154 11.0 268,361,406 52.6 Average $447 $773 $753 $715

$75,000 to Exposure 134,348.0 7.9 68,107.8 4.0 153,850.3 9.0 1,233,052.3 72.1 $99,999 Premium 69,960,142 5.3 63,239,102 4.8 129,704,095 9.8 961,507,629 72.9 Average $521 $929 $843 $780

$100,000 to Exposure 131,746.6 3.8 75,861.7 2.2 225,026.6 6.4 2,801,773.8 79.9 $124,999 Premium 88,767,985 3.1 77,762,213 2.7 206,339,785 7.2 2,266,951,253 79.2 Average $674 $1,025 $917 $809

$125,000 to Exposure 124,002.9 2.4 83,639.9 1.6 248,613.8 4.7 4,289,038.8 81.6 $149,999 Premium 96,225,273 2.2 89,810,841 2.0 241,503,416 5.4 3,602,067,571 81.1 Average $776 $1,074 $971 $840

$150,000 to Exposure 139,795.8 2.1 96,684.8 1.5 257,568.3 3.9 5,273,522.4 80.8 $174,999 Premium 121,868,990 2.1 110,161,119 1.9 255,436,509 4.5 4,608,711,649 80.8 Average $872 $1,139 $992 $874

$175,000 to Exposure 126,176.4 1.9 90,933.5 1.4 242,935.6 3.7 5,278,381.8 80.0 $199,999 Premium 117,990,485 2.0 108,737,116 1.8 247,654,377 4.1 4,826,902,576 80.3 Average $935 $1,196 $1,019 $914

$200,000 to Exposure 352,188.8 1.8 215,145.5 1.1 641,820.3 3.2 15,871,274.1 79.9 $299,999 Premium 378,463,746 1.9 277,301,502 1.4 687,822,713 3.5 16,130,472,993 81.1 Average $1,075 $1,289 $1,072 $1,016

$300,000 to Exposure 151,588.9 1.6 82,555.0 0.9 277,096.2 2.9 7,742,854.4 81.2 $399,999 Premium 201,591,277 1.8 121,101,820 1.1 351,905,784 3.1 9,331,638,723 82.5 Average $1,330 $1,467 $1,270 $1,205

$400,000 to Exposure 70,637.4 1.7 35,396.0 0.8 123,360.6 2.9 3,454,170.7 81.3 $499,999 Premium 110,542,615 1.8 56,967,129 0.9 190,722,093 3.2 4,980,051,747 82.7 Average $1,565 $1,609 $1,546 $1,442

$500,000 and Exposure 78,828.8 1.6 45,347.3 0.9 120,289.4 2.5 3,729,107.0 77.9 Over Premium 173,430,137 1.6 65,586,283 0.6 266,856,656 2.5 8,006,639,477 75.8 Average $2,200 $1,446 $2,218 $2,147

Total Exposure 1,752,884.6 2.8 908,352.2 1.4 2,390,877.7 3.8 50,239,945.6 79.2 Premium 1,519,159,096 2.2 1,043,479,757 1.5 2,650,395,770 3.8 55,054,406,284 79.9 Average $867 $1,149 $1,109 $1,096

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Countrywide Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 16,909.8 2.7 65,716.1 10.6 619,494.1 100.0 Under Premium 10,465,190 4.5 26,674,137 11.6 230,249,215 100.0 Average $619 $406 $372

$50,000 to Exposure 15,887.3 2.1 70,159.3 9.1 774,517.3 100.0 $74,999 Premium 11,895,565 2.3 46,787,643 9.2 510,617,406 100.0 Average $749 $667 $659

$75,000 to Exposure 61,525.6 3.6 58,406.6 3.4 1,709,290.6 100.0 $99,999 Premium 47,730,860 3.6 45,952,138 3.5 1,318,093,966 100.0 Average $776 $787 $771

$100,000 to Exposure 220,110.3 6.3 50,788.3 1.4 3,505,307.2 100.0 $124,999 Premium 172,626,377 6.0 49,814,786 1.7 2,862,262,399 100.0 Average $784 $981 $817

$125,000 to Exposure 473,804.8 9.0 33,861.3 0.6 5,252,961.5 100.0 $149,999 Premium 373,486,324 8.4 40,344,491 0.9 4,443,437,916 100.0 Average $788 $1,191 $846

$150,000 to Exposure 729,311.9 11.2 26,960.3 0.4 6,523,843.6 100.0 $174,999 Premium 574,309,608 10.1 36,764,451 0.6 5,707,252,326 100.0 Average $787 $1,364 $875

$175,000 to Exposure 843,969.0 12.8 15,722.8 0.2 6,598,119.1 100.0 $199,999 Premium 682,178,251 11.4 25,071,356 0.4 6,008,534,161 100.0 Average $808 $1,595 $911

$200,000 to Exposure 2,766,727.5 13.9 24,814.4 0.1 19,871,970.5 100.0 $299,999 Premium 2,368,807,158 11.9 45,389,258 0.2 19,888,257,370 100.0 Average $856 $1,829 $1,001

$300,000 to Exposure 1,278,688.8 13.4 5,263.4 0.1 9,538,046.7 100.0 $399,999 Premium 1,286,619,144 11.4 12,141,214 0.1 11,304,997,962 100.0 Average $1,006 $2,307 $1,185

$400,000 to Exposure 565,773.3 13.3 1,433.0 0.0 4,250,771.0 100.0 $499,999 Premium 682,777,118 11.3 4,150,467 0.1 6,025,211,169 100.0 Average $1,207 $2,896 $1,417

$500,000 and Exposure 813,106.9 17.0 824.1 0.0 4,787,503.4 100.0 Over Premium 2,053,071,005 19.4 3,863,364 0.0 10,569,446,922 100.0 Average $2,525 $4,688 $2,208

Total Exposure 7,785,815.2 12.3 353,949.8 0.6 63,431,824.9 100.0 Premium 8,263,966,600 12.0 336,953,305 0.5 68,868,360,812 100.0 Average $1,061 $952 $1,086

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Alabama Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 16,915.8 74.9 5.0 0.0 3,294.7 14.6 Under Premium 5,105,615 64.3 * 5,906 0.1 1,984,194 25.0 Average $302 $1,181 $602

$50,000 to Exposure 11,120.5 29.3 48.7 0.1 24,031.8 63.4 $74,999 Premium 5,310,175 20.8 * 37,314 0.1 18,381,628 72.2 Average $478 $767 $765

$75,000 to Exposure 8,695.9 11.7 237.8 0.3 61,945.2 83.2 $99,999 Premium 5,284,271 7.7 * 177,113 0.3 60,115,562 87.9 Average $608 $745 $970

$100,000 to Exposure 6,629.9 5.3 1.0 0.0 1,959.7 1.6 109,484.6 88.3 $124,999 Premium 5,081,586 3.9 828 0.0 1,624,345 1.2 117,379,723 90.3 Average $766 $828 $829 $1,072

$125,000 to Exposure 3,850.0 2.7 2,999.9 2.1 127,394.2 89.0 $149,999 Premium 3,786,666 2.3 * 2,718,741 1.7 145,364,311 89.7 Average $984 $906 $1,141

$150,000 to Exposure 2,769.2 1.9 0.3 0.0 3,551.1 2.5 126,662.8 88.0 $174,999 Premium 3,306,883 1.9 173 0.0 3,471,176 2.0 152,473,680 88.2 Average $1,194 $519 $977 $1,204

$175,000 to Exposure 1,697.8 1.4 1.0 0.0 3,507.9 3.0 102,519.1 86.4 $199,999 Premium 2,292,604 1.5 462 0.0 3,680,923 2.4 130,499,436 86.4 Average $1,350 $462 $1,049 $1,273

$200,000 to Exposure 3,340.6 1.3 1.0 0.0 7,765.4 3.1 212,572.9 84.3 $299,999 Premium 6,085,309 1.7 749 0.0 9,373,178 2.6 302,282,225 83.8 Average $1,822 $749 $1,207 $1,422

$300,000 to Exposure 899.3 1.1 2,404.6 2.9 67,418.1 82.5 $399,999 Premium 2,714,378 1.9 * 3,661,767 2.6 114,950,311 81.5 Average $3,018 $1,523 $1,705

$400,000 to Exposure 260.7 0.8 1,019.6 3.2 26,423.9 82.6 $499,999 Premium 739,755 1.1 * 1,941,551 3.0 52,863,948 81.5 Average $2,838 $1,904 $2,001

$500,000 and Exposure 204.6 0.6 1,443.5 4.2 26,936.0 78.8 Over Premium 602,946 0.6 * 4,450,112 4.3 79,728,151 77.3 Average $2,947 $3,083 $2,960

Total Exposure 56,384.1 5.3 2.3 0.0 24,943.2 2.3 888,683.3 83.5 Premium 40,310,188 2.9 1,188 0.0 31,142,126 2.2 1,176,023,169 84.8 Average $715 $509 $1,249 $1,323

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Alabama Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 40.4 0.2 2,333.7 10.3 22,589.5 100.0 Under Premium 10,533 0.1 838,502 10.6 7,944,750 100.0 Average $261 $359 $352

$50,000 to Exposure 46.3 0.1 2,671.0 7.0 37,918.3 100.0 $74,999 Premium 27,850 0.1 1,719,197 6.7 25,476,164 100.0 Average $601 $644 $672

$75,000 to Exposure 1,065.6 1.4 2,494.3 3.4 74,438.8 100.0 $99,999 Premium 1,063,619 1.6 1,761,029 2.6 68,401,594 100.0 Average $998 $706 $919

$100,000 to Exposure 4,154.3 3.4 1,715.7 1.4 123,945.1 100.0 $124,999 Premium 4,635,979 3.6 1,312,679 1.0 130,035,140 100.0 Average $1,116 $765 $1,049

$125,000 to Exposure 7,603.6 5.3 1,264.3 0.9 143,112.0 100.0 $149,999 Premium 9,108,340 5.6 991,501 0.6 161,969,559 100.0 Average $1,198 $784 $1,132

$150,000 to Exposure 10,091.0 7.0 933.3 0.6 144,007.8 100.0 $174,999 Premium 12,884,058 7.5 765,406 0.4 172,901,376 100.0 Average $1,277 $820 $1,201

$175,000 to Exposure 10,844.4 9.1 47.4 0.0 118,617.6 100.0 $199,999 Premium 14,549,960 9.6 89,017 0.1 151,112,402 100.0 Average $1,342 $1,877 $1,274

$200,000 to Exposure 28,473.8 11.3 72.5 0.0 252,226.3 100.0 $299,999 Premium 42,712,650 11.8 162,969 0.0 360,617,080 100.0 Average $1,500 $2,248 $1,430

$300,000 to Exposure 10,969.8 13.4 7.3 0.0 81,697.9 100.0 $399,999 Premium 19,745,774 14.0 22,706 0.0 141,093,912 100.0 Average $1,800 $3,132 $1,727

$400,000 to Exposure 4,303.3 13.4 32,007.4 100.0 $499,999 Premium 9,310,150 14.4 * 64,855,404 100.0 Average $2,164 $2,026

$500,000 and Exposure 5,610.6 16.4 34,194.7 100.0 Over Premium 18,407,767 17.8 * 103,188,976 100.0 Average $3,281 $3,018

Total Exposure 83,203.0 7.8 11,539.5 1.1 1,064,755.3 100.0 Premium 132,456,680 9.5 7,663,006 0.6 1,387,596,357 100.0 Average $1,592 $664 $1,303

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Alaska Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 678.3 79.4 165.6 19.4 Under Premium 121,950 59.5 * * 80,970 39.5 Average $180 $489

$50,000 to Exposure 475.4 50.8 1.0 0.1 1.0 0.1 457.1 48.9 $74,999 Premium 176,496 40.3 348 0.1 617 0.1 259,829 59.4 Average $371 $348 $617 $568

$75,000 to Exposure 465.6 28.2 2.0 0.1 1.0 0.1 1,180.1 71.5 $99,999 Premium 190,930 20.5 929 0.1 569 0.1 738,211 79.3 Average $410 $465 $569 $626

$100,000 to Exposure 602.8 16.8 1.0 0.0 2.0 0.1 2,979.0 83.0 $124,999 Premium 307,751 13.7 531 0.0 1,384 0.1 1,928,140 86.0 Average $511 $531 $692 $647

$125,000 to Exposure 455.5 7.6 1.0 0.0 5.8 0.1 5,545.3 92.3 $149,999 Premium 215,288 5.3 361 0.0 3,024 0.1 3,808,384 94.6 Average $473 $361 $526 $687

$150,000 to Exposure 492.1 4.9 2.0 0.0 10.4 0.1 9,593.2 95.0 $174,999 Premium 309,597 4.2 1,039 0.0 5,268 0.1 7,020,478 95.6 Average $629 $520 $506 $732

$175,000 to Exposure 320.9 2.6 5.0 0.0 6.8 0.1 12,071.2 97.3 $199,999 Premium 200,542 2.1 2,302 0.0 4,024 0.0 9,339,479 97.8 Average $625 $460 $596 $774

$200,000 to Exposure 845.1 1.6 12.1 0.0 50.2 0.1 53,100.0 98.3 $299,999 Premium 617,958 1.3 8,789 0.0 41,993 0.1 46,949,718 98.5 Average $731 $727 $837 $884

$300,000 to Exposure 321.9 1.2 6.0 0.0 28.9 0.1 27,521.3 98.6 $399,999 Premium 277,145 0.9 6,123 0.0 32,679 0.1 29,533,559 98.8 Average $861 $1,021 $1,130 $1,073

$400,000 to Exposure 112.2 1.0 3.0 0.0 7.0 0.1 10,559.5 98.7 $499,999 Premium 111,645 0.8 5,431 0.0 10,151 0.1 13,713,655 98.9 Average $995 $1,810 $1,450 $1,299

$500,000 and Exposure 64.5 0.7 3.0 0.0 2.0 0.0 8,452.8 98.2 Over Premium 78,162 0.5 4,174 0.0 2,609 0.0 15,559,012 96.7 Average $1,212 $1,391 $1,305 $1,841

Total Exposure 4,834.2 3.5 36.1 0.0 115.0 0.1 131,625.1 96.2 Premium 2,607,464 2.0 29,977 0.0 102,250 0.1 128,931,435 97.5 Average $539 $831 $889 $980

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Alaska Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 6.2 0.7 4.0 0.5 854.0 100.0 Under Premium 602 0.3 1,593 0.8 204,997 100.0 Average $98 $398 $240

$50,000 to Exposure 1.0 0.1 935.5 100.0 $74,999 Premium 390 0.1 * 437,680 100.0 Average $390 $468

$75,000 to Exposure 1.0 0.1 1,649.7 100.0 $99,999 Premium * 761 0.1 931,400 100.0 Average $761 $565

$100,000 to Exposure 0.7 0.0 2.6 0.1 3,588.0 100.0 $124,999 Premium 199 0.0 3,957 0.2 2,241,962 100.0 Average $299 $1,532 $625

$125,000 to Exposure 0.6 0.0 6,008.2 100.0 $149,999 Premium * 763 0.0 4,027,820 100.0 Average $1,308 $670

$150,000 to Exposure 4.2 0.0 10,101.8 100.0 $174,999 Premium * 5,759 0.1 7,342,141 100.0 Average $1,382 $727

$175,000 to Exposure 12,403.8 100.0 $199,999 Premium * * 9,546,347 100.0 Average $770

$200,000 to Exposure 18.3 0.0 7.3 0.0 54,032.9 100.0 $299,999 Premium 20,917 0.0 9,825 0.0 47,649,200 100.0 Average $1,141 $1,355 $882

$300,000 to Exposure 21.8 0.1 2.7 0.0 27,902.6 100.0 $399,999 Premium 25,713 0.1 7,412 0.0 29,882,631 100.0 Average $1,182 $2,780 $1,071

$400,000 to Exposure 9.9 0.1 2.0 0.0 10,693.6 100.0 $499,999 Premium 18,030 0.1 7,536 0.1 13,866,448 100.0 Average $1,818 $3,768 $1,297

$500,000 and Exposure 82.0 1.0 8,604.3 100.0 Over Premium 453,362 2.8 * 16,097,319 100.0 Average $5,529 $1,871

Total Exposure 139.8 0.1 24.3 0.0 136,774.4 100.0 Premium 519,213 0.4 37,606 0.0 132,227,945 100.0 Average $3,713 $1,551 $967

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Arizona Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 3,227.2 13.5 158.0 0.7 139.3 0.6 2,919.2 12.2 Under Premium 785,075 12.2 44,696 0.7 117,837 1.8 1,184,531 18.4 Average $243 $283 $846 $406

$50,000 to Exposure 901.7 6.2 267.0 1.8 233.2 1.6 6,365.8 43.6 $74,999 Premium 337,054 5.4 98,934 1.6 171,024 2.7 3,001,507 47.8 Average $374 $371 $733 $472

$75,000 to Exposure 846.3 2.6 257.3 0.8 509.5 1.6 23,563.4 72.0 $99,999 Premium 399,802 2.5 116,912 0.7 325,615 2.0 11,840,184 73.3 Average $472 $454 $639 $502

$100,000 to Exposure 1,087.3 1.4 235.0 0.3 2,287.1 3.0 63,950.8 82.9 $124,999 Premium 645,944 1.5 121,591 0.3 1,264,459 3.0 35,083,580 82.7 Average $594 $517 $553 $549

$125,000 to Exposure 957.8 0.7 146.0 0.1 5,360.5 3.9 112,443.4 81.8 $149,999 Premium 536,319 0.7 73,501 0.1 3,185,182 3.9 65,515,596 81.2 Average $560 $503 $594 $583

$150,000 to Exposure 1,066.8 0.6 93.5 0.0 8,039.0 4.2 149,999.9 78.0 $174,999 Premium 603,719 0.5 32,816 0.0 5,066,542 4.3 90,488,515 77.1 Average $566 $351 $630 $603

$175,000 to Exposure 877.0 0.4 68.6 0.0 7,954.7 4.0 148,690.9 75.1 $199,999 Premium 487,902 0.4 20,014 0.0 5,285,790 4.2 93,113,916 73.8 Average $556 $292 $664 $626

$200,000 to Exposure 1,666.0 0.3 185.5 0.0 19,610.3 4.0 363,505.8 73.6 $299,999 Premium 1,085,913 0.3 22,970 0.0 14,968,991 4.3 251,615,374 72.2 Average $652 $124 $763 $692

$300,000 to Exposure 478.7 0.3 53.9 0.0 6,393.6 3.6 130,192.9 72.7 $399,999 Premium 400,886 0.3 7,664 0.0 5,808,645 3.8 109,210,292 71.3 Average $838 $142 $909 $839

$400,000 to Exposure 149.6 0.2 17.0 0.0 2,564.3 3.6 50,763.0 71.9 $499,999 Premium 165,010 0.2 1,724 0.0 2,715,655 3.7 51,434,016 70.8 Average $1,103 $101 $1,059 $1,013

$500,000 and Exposure 311.3 0.4 2.0 0.0 2,325.2 2.8 56,124.6 67.4 Over Premium 229,581 0.2 3,266 0.0 3,636,572 2.6 89,704,577 65.0 Average $737 $1,633 $1,564 $1,598

Total Exposure 11,569.6 0.8 1,483.8 0.1 55,416.6 3.7 1,108,519.7 73.8 Premium 5,677,205 0.5 544,088 0.0 42,546,312 3.8 802,192,088 72.4 Average $491 $367 $768 $724

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Arizona Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 9.0 0.0 17,398.1 72.9 23,850.7 100.0 Under Premium 1,625 0.0 4,291,455 66.8 6,425,219 100.0 Average $181 $247 $269

$50,000 to Exposure 78.3 0.5 6,744.9 46.2 14,590.8 100.0 $74,999 Premium 28,883 0.5 2,639,774 42.1 6,277,176 100.0 Average $369 $391 $430

$75,000 to Exposure 983.6 3.0 6,558.3 20.0 32,718.5 100.0 $99,999 Premium 479,989 3.0 2,987,762 18.5 16,150,264 100.0 Average $488 $456 $494

$100,000 to Exposure 5,627.2 7.3 3,940.0 5.1 77,127.3 100.0 $124,999 Premium 3,227,624 7.6 2,059,025 4.9 42,402,223 100.0 Average $574 $523 $550

$125,000 to Exposure 16,420.4 11.9 2,106.8 1.5 137,434.9 100.0 $149,999 Premium 10,113,044 12.5 1,269,299 1.6 80,692,941 100.0 Average $616 $602 $587

$150,000 to Exposure 31,532.3 16.4 1,591.9 0.8 192,323.3 100.0 $174,999 Premium 20,153,298 17.2 1,047,925 0.9 117,392,815 100.0 Average $639 $658 $610

$175,000 to Exposure 39,863.0 20.1 636.0 0.3 198,090.2 100.0 $199,999 Premium 26,703,167 21.2 487,399 0.4 126,098,188 100.0 Average $670 $766 $637

$200,000 to Exposure 108,176.4 21.9 634.3 0.1 493,778.3 100.0 $299,999 Premium 80,275,077 23.0 606,706 0.2 348,575,031 100.0 Average $742 $957 $706

$300,000 to Exposure 41,911.1 23.4 95.9 0.1 179,126.1 100.0 $399,999 Premium 37,680,215 24.6 133,364 0.1 153,241,066 100.0 Average $899 $1,390 $855

$400,000 to Exposure 17,061.7 24.2 20.8 0.0 70,576.4 100.0 $499,999 Premium 18,251,146 25.1 39,190 0.1 72,606,741 100.0 Average $1,070 $1,881 $1,029

$500,000 and Exposure 24,536.6 29.5 7.0 0.0 83,306.7 100.0 Over Premium 44,481,159 32.2 16,003 0.0 138,071,158 100.0 Average $1,813 $2,286 $1,657

Total Exposure 286,199.4 19.0 39,734.1 2.6 1,502,923.2 100.0 Premium 241,395,227 21.8 15,577,902 1.4 1,107,932,822 100.0 Average $843 $392 $737

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Arkansas Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 6,988.3 61.6 17.8 0.2 2,494.8 22.0 Under Premium 1,662,211 38.3 * 13,050 0.3 1,742,215 40.2 Average $238 $732 $698

$50,000 to Exposure 3,194.6 16.0 108.8 0.5 12,879.9 64.5 $74,999 Premium 1,171,275 8.1 * 77,899 0.5 10,272,910 71.2 Average $367 $716 $798

$75,000 to Exposure 1,407.4 3.4 299.0 0.7 35,537.2 86.1 $99,999 Premium 736,260 2.0 * 253,555 0.7 32,152,011 87.2 Average $523 $848 $905

$100,000 to Exposure 758.8 1.3 906.5 1.5 54,366.9 90.8 $124,999 Premium 565,689 1.0 * 785,058 1.3 53,472,500 90.4 Average $746 $866 $984

$125,000 to Exposure 368.4 0.5 1,518.5 2.2 63,059.4 91.0 $149,999 Premium 343,844 0.5 * 1,373,262 1.9 65,397,133 90.0 Average $933 $904 $1,037

$150,000 to Exposure 291.5 0.5 1.0 0.0 1,610.3 2.5 58,100.2 90.1 $174,999 Premium 311,312 0.4 697 0.0 1,620,798 2.3 62,956,560 88.6 Average $1,068 $697 $1,007 $1,084

$175,000 to Exposure 118.1 0.2 1.0 0.0 1,674.3 3.2 46,300.5 89.3 $199,999 Premium 143,984 0.2 722 0.0 1,749,259 2.9 52,589,939 87.6 Average $1,219 $722 $1,045 $1,136

$200,000 to Exposure 187.4 0.2 3,490.0 3.5 88,266.0 89.0 $299,999 Premium 278,343 0.2 * 4,440,106 3.4 112,432,282 86.8 Average $1,485 $1,272 $1,274

$300,000 to Exposure 47.5 0.2 1.0 0.0 1,110.3 3.7 26,515.0 87.8 $399,999 Premium 102,529 0.2 1,065 0.0 1,878,867 3.8 42,170,215 85.5 Average $2,159 $1,065 $1,692 $1,590

$400,000 to Exposure 17.1 0.1 606.8 5.0 10,364.3 85.0 $499,999 Premium 35,646 0.1 * 1,316,795 5.4 20,051,193 82.8 Average $2,087 $2,170 $1,935

$500,000 and Exposure 27.0 0.2 1.0 0.0 950.6 7.4 10,086.5 78.7 Over Premium 42,219 0.1 1,537 0.0 4,107,555 10.4 29,412,217 74.2 Average $1,564 $1,537 $4,321 $2,916

Total Exposure 13,406.0 2.8 4.0 0.0 12,292.9 2.6 407,970.6 86.4 Premium 5,393,312 1.0 4,021 0.0 17,616,204 3.1 482,649,175 86.0 Average $402 $1,005 $1,433 $1,183

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Arkansas Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 17.5 0.2 1,833.1 16.1 11,351.4 100.0 Under Premium 4,677 0.1 915,368 21.1 4,337,521 100.0 Average $267 $499 $382

$50,000 to Exposure 13.9 0.1 3,769.3 18.9 19,966.5 100.0 $74,999 Premium 8,525 0.1 2,903,233 20.1 14,433,842 100.0 Average $613 $770 $723

$75,000 to Exposure 561.6 1.4 3,447.0 8.4 41,252.2 100.0 $99,999 Premium 644,643 1.7 3,084,352 8.4 36,870,821 100.0 Average $1,148 $895 $894

$100,000 to Exposure 1,799.5 3.0 2,033.7 3.4 59,865.3 100.0 $124,999 Premium 2,236,186 3.8 2,107,145 3.6 59,166,578 100.0 Average $1,243 $1,036 $988

$125,000 to Exposure 3,411.1 4.9 914.2 1.3 69,271.6 100.0 $149,999 Premium 4,444,163 6.1 1,070,248 1.5 72,628,650 100.0 Average $1,303 $1,171 $1,048

$150,000 to Exposure 3,928.8 6.1 527.2 0.8 64,458.8 100.0 $174,999 Premium 5,484,088 7.7 696,301 1.0 71,069,756 100.0 Average $1,396 $1,321 $1,103

$175,000 to Exposure 3,565.3 6.9 201.9 0.4 51,861.2 100.0 $199,999 Premium 5,218,699 8.7 301,420 0.5 60,004,023 100.0 Average $1,464 $1,493 $1,157

$200,000 to Exposure 6,915.3 7.0 261.0 0.3 99,119.8 100.0 $299,999 Premium 11,858,772 9.2 475,135 0.4 129,484,638 100.0 Average $1,715 $1,820 $1,306

$300,000 to Exposure 2,475.8 8.2 51.7 0.2 30,201.3 100.0 $399,999 Premium 5,052,751 10.2 103,857 0.2 49,309,284 100.0 Average $2,041 $2,010 $1,633

$400,000 to Exposure 1,177.7 9.7 25.9 0.2 12,191.8 100.0 $499,999 Premium 2,756,599 11.4 59,421 0.2 24,219,654 100.0 Average $2,341 $2,293 $1,987

$500,000 and Exposure 1,737.4 13.6 15.3 0.1 12,817.8 100.0 Over Premium 6,019,509 15.2 50,813 0.1 39,633,850 100.0 Average $3,465 $3,332 $3,092

Total Exposure 25,603.8 5.4 13,080.2 2.8 472,357.5 100.0 Premium 43,728,612 7.8 11,767,293 2.1 561,158,617 100.0 Average $1,708 $900 $1,188

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms California Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 3,675.7 95.4 77.3 2.0 Under Premium 551,828 94.2 * * 26,517 4.5 Average $150 $343

$50,000 to Exposure 5,180.3 91.7 405.7 7.2 $74,999 Premium 1,189,848 86.0 * * 157,586 11.4 Average $230 $388

$75,000 to Exposure 9,211.1 68.4 3.0 0.0 3,599.3 26.7 $99,999 Premium 2,561,968 56.9 * 1,997 0.0 1,613,088 35.9 Average $278 $666 $448

$100,000 to Exposure 18,174.3 39.5 5.0 0.0 21,971.1 47.8 $124,999 Premium 5,714,572 29.2 * 2,893 0.0 10,852,660 55.4 Average $314 $579 $494

$125,000 to Exposure 29,712.9 23.9 20.0 0.0 69,578.8 56.0 $149,999 Premium 9,745,337 15.9 * 15,122 0.0 37,600,102 61.5 Average $328 $756 $540

$150,000 to Exposure 41,660.6 16.9 27.5 0.0 150,445.7 60.9 $174,999 Premium 14,851,636 11.0 * 26,170 0.0 87,344,047 64.6 Average $356 $952 $581

$175,000 to Exposure 45,481.7 12.7 30.0 0.0 228,213.8 63.5 $199,999 Premium 17,408,574 8.0 * 34,443 0.0 142,165,230 65.7 Average $383 $1,148 $623

$200,000 to Exposure 151,775.8 7.6 172.0 0.0 1,396,160.9 70.3 $299,999 Premium 68,930,748 4.8 * 237,137 0.0 1,009,283,219 70.8 Average $454 $1,379 $723

$300,000 to Exposure 68,723.1 4.5 102.6 0.0 1,165,964.9 76.2 $399,999 Premium 40,807,856 3.0 * 179,451 0.0 1,023,544,810 75.6 Average $594 $1,749 $878

$400,000 to Exposure 32,274.2 3.9 47.1 0.0 635,874.6 77.4 $499,999 Premium 23,846,984 2.7 * 100,277 0.0 677,093,973 76.6 Average $739 $2,130 $1,065

$500,000 and Exposure 38,447.4 3.7 39.0 0.0 759,738.9 74.0 Over Premium 48,852,111 2.5 * 139,079 0.0 1,292,333,238 66.1 Average $1,271 $3,566 $1,701

Total Exposure 444,317.0 7.2 446.2 0.0 4,432,030.8 71.9 Premium 234,461,462 3.9 * 736,569 0.0 4,282,014,470 70.7 Average $528 $1,651 $966

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms California Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 98.4 2.6 2.0 0.1 3,853.3 100.0 Under Premium 6,075 1.0 1,440 0.2 585,860 100.0 Average $62 $720 $152

$50,000 to Exposure 27.2 0.5 39.0 0.7 5,652.2 100.0 $74,999 Premium 12,062 0.9 23,358 1.7 1,382,854 100.0 Average $444 $599 $245

$75,000 to Exposure 543.7 4.0 100.0 0.7 13,457.0 100.0 $99,999 Premium 262,533 5.8 59,583 1.3 4,499,169 100.0 Average $483 $596 $334

$100,000 to Exposure 5,667.0 12.3 137.0 0.3 45,954.4 100.0 $124,999 Premium 2,943,203 15.0 86,153 0.4 19,599,481 100.0 Average $519 $629 $426

$125,000 to Exposure 24,791.1 20.0 94.0 0.1 124,196.8 100.0 $149,999 Premium 13,682,314 22.4 71,269 0.1 61,114,144 100.0 Average $552 $758 $492

$150,000 to Exposure 54,647.4 22.1 69.0 0.0 246,850.2 100.0 $174,999 Premium 32,940,340 24.4 51,350 0.0 135,213,543 100.0 Average $603 $744 $548

$175,000 to Exposure 85,691.9 23.8 46.0 0.0 359,463.3 100.0 $199,999 Premium 56,675,329 26.2 36,425 0.0 216,320,001 100.0 Average $661 $792 $602

$200,000 to Exposure 437,061.7 22.0 62.0 0.0 1,985,232.3 100.0 $299,999 Premium 346,916,801 24.3 53,580 0.0 1,425,421,485 100.0 Average $794 $864 $718

$300,000 to Exposure 294,757.2 19.3 12.0 0.0 1,529,559.8 100.0 $399,999 Premium 288,831,218 21.3 13,144 0.0 1,353,376,479 100.0 Average $980 $1,095 $885

$400,000 to Exposure 153,869.8 18.7 1.0 0.0 822,066.7 100.0 $499,999 Premium 182,471,622 20.7 1,113 0.0 883,513,969 100.0 Average $1,186 $1,113 $1,075

$500,000 and Exposure 229,037.4 22.3 2.0 0.0 1,027,264.8 100.0 Over Premium 613,718,855 31.4 3,757 0.0 1,955,047,040 100.0 Average $2,680 $1,879 $1,903

Total Exposure 1,286,192.8 20.9 564.0 0.0 6,163,550.8 100.0 Premium 1,538,460,352 25.4 401,172 0.0 6,056,074,025 100.0 Average $1,196 $711 $983

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Colorado Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 570.4 28.1 9.0 0.4 3.0 0.1 391.8 19.3 Under Premium 251,643 33.7 2,601 0.3 1,654 0.2 201,251 27.0 Average $441 $289 $551 $514

$50,000 to Exposure 610.1 16.7 35.3 1.0 43.1 1.2 2,479.9 68.0 $74,999 Premium 268,859 13.5 21,998 1.1 21,566 1.1 1,417,798 71.2 Average $441 $623 $501 $572

$75,000 to Exposure 691.1 5.2 67.5 0.5 278.0 2.1 10,434.8 78.6 $99,999 Premium 403,969 4.4 56,101 0.6 196,557 2.1 7,123,050 77.8 Average $585 $831 $707 $683

$100,000 to Exposure 1,057.8 2.7 75.0 0.2 1,275.8 3.2 31,119.2 78.6 $124,999 Premium 769,873 2.5 64,456 0.2 938,904 3.1 23,340,409 76.1 Average $728 $859 $736 $750

$125,000 to Exposure 927.6 1.3 81.2 0.1 2,550.3 3.5 56,906.3 77.4 $149,999 Premium 639,704 1.0 79,068 0.1 2,018,532 3.3 45,771,269 74.3 Average $690 $974 $792 $804

$150,000 to Exposure 1,080.2 1.0 81.4 0.1 4,048.9 3.6 85,581.3 76.0 $174,999 Premium 850,421 0.8 87,564 0.1 3,370,873 3.3 73,792,827 72.5 Average $787 $1,076 $833 $862

$175,000 to Exposure 847.3 0.6 50.8 0.0 4,730.4 3.6 97,799.0 74.6 $199,999 Premium 638,676 0.5 57,292 0.0 4,204,577 3.3 90,426,064 70.9 Average $754 $1,127 $889 $925

$200,000 to Exposure 1,685.3 0.4 69.5 0.0 16,047.9 3.6 328,311.8 74.2 $299,999 Premium 1,768,828 0.4 81,166 0.0 15,819,926 3.2 348,478,796 71.3 Average $1,050 $1,168 $986 $1,061

$300,000 to Exposure 430.1 0.2 9.4 0.0 7,070.5 3.4 155,874.2 74.3 $399,999 Premium 613,384 0.2 9,604 0.0 8,300,437 3.0 200,237,802 72.5 Average $1,426 $1,020 $1,174 $1,285

$400,000 to Exposure 147.5 0.2 5.5 0.0 2,613.6 3.0 64,082.8 72.8 $499,999 Premium 258,516 0.2 6,705 0.0 3,590,747 2.7 96,345,887 71.9 Average $1,753 $1,219 $1,374 $1,503

$500,000 and Exposure 173.8 0.2 0.6 0.0 3,062.0 2.9 75,907.8 71.2 Over Premium 301,092 0.1 566 0.0 6,118,482 2.6 167,517,176 71.0 Average $1,732 $970 $1,998 $2,207

Total Exposure 8,221.1 0.7 485.3 0.0 41,723.4 3.4 908,888.7 74.3 Premium 6,764,965 0.5 467,121 0.0 44,582,255 3.0 1,054,652,329 71.8 Average $823 $963 $1,069 $1,160

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Colorado Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 30.4 1.5 1,022.3 50.4 2,026.8 100.0 Under Premium 4,740 0.6 283,922 38.1 745,811 100.0 Average $156 $278 $368

$50,000 to Exposure 46.5 1.3 429.6 11.8 3,644.5 100.0 $74,999 Premium 19,904 1.0 242,088 12.2 1,992,213 100.0 Average $428 $564 $547

$75,000 to Exposure 1,227.2 9.2 577.0 4.3 13,275.6 100.0 $99,999 Premium 990,202 10.8 389,745 4.3 9,159,624 100.0 Average $807 $675 $690

$100,000 to Exposure 5,363.3 13.5 714.2 1.8 39,605.2 100.0 $124,999 Premium 5,016,865 16.4 536,771 1.8 30,667,278 100.0 Average $935 $752 $774

$125,000 to Exposure 12,283.3 16.7 776.1 1.1 73,524.7 100.0 $149,999 Premium 12,450,690 20.2 667,963 1.1 61,627,226 100.0 Average $1,014 $861 $838

$150,000 to Exposure 21,024.5 18.7 859.9 0.8 112,676.2 100.0 $174,999 Premium 22,830,301 22.4 841,191 0.8 101,773,177 100.0 Average $1,086 $978 $903

$175,000 to Exposure 27,077.4 20.6 655.3 0.5 131,160.3 100.0 $199,999 Premium 31,457,203 24.7 704,013 0.6 127,487,825 100.0 Average $1,162 $1,074 $972

$200,000 to Exposure 95,137.8 21.5 1,239.0 0.3 442,491.3 100.0 $299,999 Premium 121,250,023 24.8 1,629,837 0.3 489,028,576 100.0 Average $1,274 $1,315 $1,105

$300,000 to Exposure 46,134.3 22.0 322.4 0.2 209,840.9 100.0 $399,999 Premium 66,255,720 24.0 587,230 0.2 276,004,177 100.0 Average $1,436 $1,821 $1,315

$400,000 to Exposure 21,029.3 23.9 103.3 0.1 87,982.1 100.0 $499,999 Premium 33,588,838 25.1 230,147 0.2 134,020,840 100.0 Average $1,597 $2,227 $1,523

$500,000 and Exposure 27,444.3 25.7 48.1 0.0 106,636.5 100.0 Over Premium 61,723,699 26.2 146,017 0.1 235,807,032 100.0 Average $2,249 $3,037 $2,211

Total Exposure 256,798.3 21.0 6,747.2 0.6 1,222,863.9 100.0 Premium 355,588,185 24.2 6,258,924 0.4 1,468,313,779 100.0 Average $1,385 $928 $1,201

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Connecticut Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 44.8 13.7 1.0 0.3 279.2 85.2 Under Premium 81,868 47.3 * 1,444 0.8 88,307 51.1 Average $1,829 $1,444 $316

$50,000 to Exposure 70.3 25.2 5.0 1.8 200.9 71.9 $74,999 Premium 69,790 45.2 * 1,201 0.8 81,735 52.9 Average $992 $240 $407

$75,000 to Exposure 93.7 16.3 1.0 0.2 3.1 0.5 466.0 80.9 $99,999 Premium 83,921 23.5 350 0.1 1,568 0.4 263,096 73.8 Average $896 $350 $509 $565

$100,000 to Exposure 215.3 7.1 2.0 0.1 51.7 1.7 2,686.7 89.1 $124,999 Premium 277,949 13.4 1,248 0.1 26,904 1.3 1,726,453 83.2 Average $1,291 $624 $521 $643

$125,000 to Exposure 169.1 1.7 1.0 0.0 109.8 1.1 9,477.9 96.2 $149,999 Premium 168,213 2.3 394 0.0 67,647 0.9 6,856,139 95.8 Average $995 $394 $616 $723

$150,000 to Exposure 326.0 1.3 354.2 1.4 23,832.2 96.5 $174,999 Premium 300,367 1.6 * 241,956 1.3 18,579,110 96.4 Average $921 $683 $780

$175,000 to Exposure 290.1 0.7 873.1 2.0 41,559.7 96.3 $199,999 Premium 290,176 0.8 * 651,373 1.8 34,369,039 96.4 Average $1,000 $746 $827

$200,000 to Exposure 1,266.9 0.5 10,368.7 3.9 253,048.7 94.0 $299,999 Premium 1,314,873 0.5 * 9,509,514 3.7 245,035,694 94.3 Average $1,038 $917 $968

$300,000 to Exposure 639.8 0.3 2.0 0.0 7,961.3 4.1 181,108.1 93.4 $399,999 Premium 771,250 0.3 989 0.0 9,424,537 4.0 220,544,148 93.7 Average $1,205 $495 $1,184 $1,218

$400,000 to Exposure 178.8 0.2 3,964.8 4.2 88,015.3 92.7 $499,999 Premium 191,559 0.1 * 5,824,569 4.1 131,831,290 93.1 Average $1,071 $1,469 $1,498

$500,000 and Exposure 234.5 0.2 1.0 0.0 3,936.6 3.5 97,296.6 86.4 Over Premium 287,784 0.1 966 0.0 8,801,717 3.1 230,037,328 80.8 Average $1,227 $966 $2,236 $2,364

Total Exposure 3,529.3 0.5 6.0 0.0 27,629.0 3.7 697,971.1 92.7 Premium 3,837,750 0.4 3,232 0.0 34,552,430 3.5 889,412,339 90.2 Average $1,087 $539 $1,251 $1,274

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Connecticut Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 2.9 0.9 327.8 100.0 Under Premium 1,408 0.8 * 172,910 100.0 Average $483 $527

$50,000 to Exposure 3.2 1.1 279.4 100.0 $74,999 Premium 1,643 1.1 * 154,369 100.0 Average $519 $552

$75,000 to Exposure 12.4 2.2 576.2 100.0 $99,999 Premium 7,720 2.2 * 356,655 100.0 Average $622 $619

$100,000 to Exposure 58.9 2.0 3,014.6 100.0 $124,999 Premium 41,833 2.0 * 2,074,387 100.0 Average $710 $688

$125,000 to Exposure 91.1 0.9 9,848.8 100.0 $149,999 Premium 67,794 0.9 * 7,160,187 100.0 Average $744 $727

$150,000 to Exposure 192.8 0.8 24,705.1 100.0 $174,999 Premium 156,418 0.8 * 19,277,851 100.0 Average $812 $780

$175,000 to Exposure 423.2 1.0 43,146.0 100.0 $199,999 Premium 350,274 1.0 * 35,660,862 100.0 Average $828 $827

$200,000 to Exposure 4,524.9 1.7 269,209.2 100.0 $299,999 Premium 3,879,068 1.5 * 259,739,149 100.0 Average $857 $965

$300,000 to Exposure 4,241.7 2.2 193,952.8 100.0 $399,999 Premium 4,679,021 2.0 * 235,419,945 100.0 Average $1,103 $1,214

$400,000 to Exposure 2,751.5 2.9 94,909.3 100.0 $499,999 Premium 3,791,579 2.7 * 141,638,399 100.0 Average $1,378 $1,492

$500,000 and Exposure 11,186.1 9.9 112,654.8 100.0 Over Premium 45,509,744 16.0 * 284,637,539 100.0 Average $4,068 $2,527

Total Exposure 23,488.6 3.1 752,624.0 100.0 Premium 58,486,502 5.9 * 986,292,253 100.0 Average $2,490 $1,310

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Delaware Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 158.9 79.7 31.3 15.7 4.1 2.0 Under Premium 21,252 92.3 734 3.2 * 62 0.3 Average $134 $23 $15

$50,000 to Exposure 160.8 52.3 1.0 0.3 128.4 41.8 $74,999 Premium 36,284 44.9 * 273 0.3 40,638 50.3 Average $226 $273 $316

$75,000 to Exposure 206.0 16.4 7.0 0.6 1,023.9 81.4 $99,999 Premium 57,698 13.2 * 3,024 0.7 368,177 84.1 Average $280 $432 $360

$100,000 to Exposure 233.8 4.2 38.7 0.7 5,287.6 94.6 $124,999 Premium 86,776 3.7 * 17,770 0.8 2,246,882 95.0 Average $371 $460 $425

$125,000 to Exposure 191.2 1.6 101.0 0.8 11,902.6 97.3 $149,999 Premium 67,116 1.1 * 53,748 0.9 5,728,445 97.6 Average $351 $532 $481

$150,000 to Exposure 147.3 0.7 208.9 1.1 19,217.8 97.8 $174,999 Premium 50,544 0.5 * 115,253 1.1 9,954,028 97.9 Average $343 $552 $518

$175,000 to Exposure 136.2 0.6 250.2 1.1 23,190.3 98.1 $199,999 Premium 38,700 0.3 * 158,441 1.2 12,764,077 98.2 Average $284 $633 $550

$200,000 to Exposure 376.3 0.4 2.0 0.0 1,175.1 1.3 85,844.3 97.8 $299,999 Premium 155,299 0.3 720 0.0 902,811 1.6 54,319,443 97.6 Average $413 $360 $768 $633

$300,000 to Exposure 165.9 0.4 1.0 0.0 691.9 1.5 45,565.4 97.5 $399,999 Premium 74,235 0.2 611 0.0 664,107 1.8 35,311,762 97.1 Average $447 $611 $960 $775

$400,000 to Exposure 65.8 0.3 291.2 1.5 19,512.5 97.3 $499,999 Premium 22,991 0.1 * 353,792 1.9 18,456,843 96.7 Average $350 $1,215 $946

$500,000 and Exposure 54.2 0.3 251.7 1.5 15,469.0 94.3 Over Premium 28,647 0.1 * 425,944 1.8 21,858,633 90.3 Average $529 $1,692 $1,413

Total Exposure 1,896.3 0.8 34.3 0.0 3,016.6 1.3 227,145.9 97.1 Premium 639,542 0.4 2,065 0.0 2,695,517 1.6 161,048,990 96.3 Average $337 $60 $894 $709

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Delaware Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 2.0 1.0 3.3 1.6 199.5 100.0 Under Premium 227 1.0 388 1.7 23,017 100.0 Average $114 $119 $115

$50,000 to Exposure 17.2 5.6 307.4 100.0 $74,999 Premium * 3,554 4.4 80,749 100.0 Average $207 $263

$75,000 to Exposure 3.0 0.2 17.8 1.4 1,257.7 100.0 $99,999 Premium 1,187 0.3 7,650 1.7 437,736 100.0 Average $396 $431 $348

$100,000 to Exposure 12.8 0.2 15.8 0.3 5,588.6 100.0 $124,999 Premium 5,279 0.2 7,804 0.3 2,364,511 100.0 Average $414 $495 $423

$125,000 to Exposure 19.0 0.2 20.8 0.2 12,234.5 100.0 $149,999 Premium 9,665 0.2 13,102 0.2 5,872,076 100.0 Average $509 $631 $480

$150,000 to Exposure 45.4 0.2 27.0 0.1 19,646.4 100.0 $174,999 Premium 25,522 0.3 22,840 0.2 10,168,187 100.0 Average $562 $846 $518

$175,000 to Exposure 58.8 0.2 9.3 0.0 23,644.7 100.0 $199,999 Premium 34,470 0.3 7,054 0.1 13,002,742 100.0 Average $587 $756 $550

$200,000 to Exposure 350.3 0.4 21.1 0.0 87,769.1 100.0 $299,999 Premium 250,207 0.4 23,935 0.0 55,652,415 100.0 Average $714 $1,135 $634

$300,000 to Exposure 322.0 0.7 5.6 0.0 46,751.8 100.0 $399,999 Premium 302,124 0.8 5,838 0.0 36,358,677 100.0 Average $938 $1,046 $778

$400,000 to Exposure 179.8 0.9 1.0 0.0 20,050.2 100.0 $499,999 Premium 242,696 1.3 772 0.0 19,077,094 100.0 Average $1,350 $772 $951

$500,000 and Exposure 621.5 3.8 16,395.6 100.0 Over Premium 1,908,154 7.9 * 24,219,802 100.0 Average $3,070 $1,477

Total Exposure 1,614.5 0.7 137.9 0.1 233,845.4 100.0 Premium 2,779,531 1.7 91,361 0.1 167,257,006 100.0 Average $1,722 $662 $715

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms District of Columbia Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 5.6 59.8 2.2 23.2 Under Premium 222 18.6 * * 698 58.6 Average $40 $322

$50,000 to Exposure 1.0 4.8 13.0 61.9 $74,999 Premium 168 3.0 * * 4,553 81.7 Average $168 $350

$75,000 to Exposure 1.0 1.8 52.3 96.3 $99,999 Premium * 369 1.3 * 27,780 96.8 Average $369 $532

$100,000 to Exposure 1.0 0.2 1.4 0.3 451.2 92.3 $124,999 Premium 189 0.1 * 2,844 1.1 255,526 95.8 Average $189 $2,008 $566

$125,000 to Exposure 1.5 0.1 1,846.6 97.9 $149,999 Premium * * 892 0.1 1,160,561 97.9 Average $595 $628

$150,000 to Exposure 2.0 0.1 15.3 0.4 3,832.3 97.4 $174,999 Premium 351 0.0 * 10,779 0.4 2,594,687 97.6 Average $176 $703 $677

$175,000 to Exposure 3.0 0.1 30.9 0.6 5,205.0 97.1 $199,999 Premium 1,118 0.0 * 26,477 0.7 3,791,227 97.1 Average $373 $856 $728

$200,000 to Exposure 29.7 0.1 212.3 0.9 22,190.0 95.8 $299,999 Premium 10,982 0.1 * 223,369 1.1 18,984,276 95.8 Average $370 $1,052 $856

$300,000 to Exposure 15.3 0.1 0.3 0.0 269.1 1.6 16,183.8 93.9 $399,999 Premium 8,020 0.0 243 0.0 349,317 1.9 17,067,788 93.9 Average $523 $972 $1,298 $1,055

$400,000 to Exposure 6.1 0.1 129.7 1.2 9,714.8 93.0 $499,999 Premium 3,498 0.0 * 211,604 1.6 12,278,809 93.0 Average $575 $1,632 $1,264

$500,000 and Exposure 19.8 0.1 167.4 0.9 15,889.8 84.8 Over Premium 13,338 0.0 * 444,306 1.1 30,522,911 78.7 Average $673 $2,654 $1,921

Total Exposure 83.5 0.1 1.3 0.0 827.6 1.0 75,380.9 92.7 Premium 37,886 0.0 612 0.0 1,269,674 1.3 86,688,816 88.4 Average $454 $490 $1,534 $1,150

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms District of Columbia Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 1.6 17.0 9.3 100.0 Under Premium 186 15.6 * 1,192 100.0 Average $117 $128

$50,000 to Exposure 7.0 33.3 21.0 100.0 $74,999 Premium 850 15.3 * 5,571 100.0 Average $121 $265

$75,000 to Exposure 1.0 1.8 54.3 100.0 $99,999 Premium 535 1.9 * 28,684 100.0 Average $535 $529

$100,000 to Exposure 35.3 7.2 488.9 100.0 $124,999 Premium 8,034 3.0 * 266,593 100.0 Average $227 $545

$125,000 to Exposure 38.0 2.0 1,886.1 100.0 $149,999 Premium 23,905 2.0 * 1,185,358 100.0 Average $629 $628

$150,000 to Exposure 84.8 2.2 3,934.4 100.0 $174,999 Premium 53,300 2.0 * 2,659,117 100.0 Average $629 $676

$175,000 to Exposure 123.4 2.3 5,362.3 100.0 $199,999 Premium 86,660 2.2 * 3,905,482 100.0 Average $702 $728

$200,000 to Exposure 726.4 3.1 23,158.3 100.0 $299,999 Premium 596,779 3.0 * 19,815,406 100.0 Average $822 $856

$300,000 to Exposure 761.3 4.4 0.3 0.0 17,230.1 100.0 $399,999 Premium 758,858 4.2 295 0.0 18,184,521 100.0 Average $997 $1,180 $1,055

$400,000 to Exposure 593.1 5.7 10,443.7 100.0 $499,999 Premium 715,657 5.4 * 13,209,568 100.0 Average $1,207 $1,265

$500,000 and Exposure 2,670.8 14.2 18,747.8 100.0 Over Premium 7,796,589 20.1 * 38,777,144 100.0 Average $2,919 $2,068

Total Exposure 5,042.8 6.2 0.3 0.0 81,336.3 100.0 Premium 10,041,353 10.2 295 0.0 98,038,636 100.0 Average $1,991 $1,180 $1,205

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Florida Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 15,847.4 34.7 13,914.9 30.5 7.0 0.0 15,791.8 34.6 Under Premium 5,373,967 33.7 2,857,207 17.9 3,173 0.0 7,726,147 48.4 Average $339 $205 $453 $489

$50,000 to Exposure 10,296.9 68.7 1.0 0.0 43.7 0.3 4,576.2 30.6 $74,999 Premium 5,439,076 53.5 700 0.0 30,552 0.3 4,636,901 45.6 Average $528 $700 $700 $1,013

$75,000 to Exposure 7,676.2 17.4 210.4 0.5 106.6 0.2 35,667.0 80.6 $99,999 Premium 5,918,149 13.8 30,615 0.1 100,568 0.2 36,182,463 84.2 Average $771 $145 $944 $1,014

$100,000 to Exposure 17,845.3 11.4 1,753.8 1.1 163.3 0.1 127,598.0 81.7 $124,999 Premium 19,115,253 10.5 224,899 0.1 182,214 0.1 149,637,911 82.1 Average $1,071 $128 $1,116 $1,173

$125,000 to Exposure 30,326.5 10.8 4,886.0 1.7 207.5 0.1 236,631.1 84.0 $149,999 Premium 38,734,396 10.3 598,131 0.2 258,330 0.1 320,481,402 85.0 Average $1,277 $122 $1,245 $1,354

$150,000 to Exposure 38,154.3 9.6 6,944.1 1.7 244.0 0.1 344,254.8 86.4 $174,999 Premium 55,281,291 9.6 848,983 0.1 342,073 0.1 504,194,548 87.2 Average $1,449 $122 $1,402 $1,465

$175,000 to Exposure 35,511.2 8.6 7,470.8 1.8 293.3 0.1 363,546.7 87.9 $199,999 Premium 58,709,699 8.9 858,425 0.1 449,940 0.1 586,919,577 88.7 Average $1,653 $115 $1,534 $1,614

$200,000 to Exposure 81,098.3 6.7 27,877.5 2.3 1,241.8 0.1 1,083,297.3 89.9 $299,999 Premium 169,248,369 7.2 2,934,169 0.1 2,362,308 0.1 2,153,973,408 91.3 Average $2,087 $105 $1,902 $1,988

$300,000 to Exposure 23,533.3 5.3 15,880.4 3.5 506.1 0.1 403,383.3 90.1 $399,999 Premium 72,523,167 6.2 1,715,894 0.1 1,323,553 0.1 1,080,807,944 92.5 Average $3,082 $108 $2,615 $2,679

$400,000 to Exposure 6,932.0 4.3 9,639.9 6.0 205.7 0.1 142,244.8 88.4 $499,999 Premium 29,070,858 5.5 1,080,948 0.2 651,962 0.1 494,954,432 93.0 Average $4,194 $112 $3,170 $3,480

$500,000 and Exposure 5,596.3 2.7 23,785.8 11.3 154.8 0.1 170,721.0 81.1 Over Premium 36,911,014 3.8 2,283,498 0.2 748,344 0.1 853,591,231 89.0 Average $6,596 $96 $4,836 $5,000

Total Exposure 272,817.8 8.1 112,364.7 3.3 3,173.8 0.1 2,927,711.9 86.6 Premium 496,325,239 7.2 13,433,469 0.2 6,453,017 0.1 6,193,105,964 89.9 Average $1,819 $120 $2,033 $2,115

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Florida Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 53.5 0.1 45,614.7 100.0 Under Premium 5,448 0.0 * 15,965,942 100.0 Average $102 $350

$50,000 to Exposure 8.2 0.1 52.7 0.4 14,978.6 100.0 $74,999 Premium 3,146 0.0 54,072 0.5 10,164,447 100.0 Average $385 $1,027 $679

$75,000 to Exposure 18.5 0.0 557.1 1.3 44,235.8 100.0 $99,999 Premium 26,038 0.1 729,917 1.7 42,987,750 100.0 Average $1,407 $1,310 $972

$100,000 to Exposure 76.3 0.0 8,711.5 5.6 156,148.3 100.0 $124,999 Premium 91,115 0.0 13,090,317 7.2 182,341,709 100.0 Average $1,195 $1,503 $1,168

$125,000 to Exposure 200.5 0.1 9,484.5 3.4 281,736.1 100.0 $149,999 Premium 280,807 0.1 16,606,161 4.4 376,959,227 100.0 Average $1,401 $1,751 $1,338

$150,000 to Exposure 388.5 0.1 8,519.3 2.1 398,504.9 100.0 $174,999 Premium 564,609 0.1 17,272,235 3.0 578,503,739 100.0 Average $1,453 $2,027 $1,452

$175,000 to Exposure 562.2 0.1 6,133.9 1.5 413,518.1 100.0 $199,999 Premium 872,211 0.1 13,830,111 2.1 661,639,963 100.0 Average $1,552 $2,255 $1,600

$200,000 to Exposure 3,476.1 0.3 8,441.8 0.7 1,205,432.8 100.0 $299,999 Premium 6,163,897 0.3 23,319,883 1.0 2,358,002,034 100.0 Average $1,773 $2,762 $1,956

$300,000 to Exposure 2,794.0 0.6 1,552.0 0.3 447,649.2 100.0 $399,999 Premium 6,048,205 0.5 6,372,314 0.5 1,168,791,077 100.0 Average $2,165 $4,106 $2,611

$400,000 to Exposure 1,523.8 0.9 425.8 0.3 160,971.8 100.0 $499,999 Premium 4,184,241 0.8 2,336,155 0.4 532,278,596 100.0 Average $2,746 $5,487 $3,307

$500,000 and Exposure 9,803.6 4.7 323.0 0.2 210,384.4 100.0 Over Premium 62,636,169 6.5 2,686,907 0.3 958,857,163 100.0 Average $6,389 $8,319 $4,558

Total Exposure 18,905.0 0.6 44,201.4 1.3 3,379,174.5 100.0 Premium 80,875,886 1.2 96,298,072 1.4 6,886,491,647 100.0 Average $4,278 $2,179 $2,038

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Georgia Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 10,603.4 64.3 114.7 0.7 78.4 0.5 1,299.4 7.9 Under Premium 2,606,733 54.1 46,829 1.0 15,024 0.3 489,922 10.2 Average $246 $408 $192 $377

$50,000 to Exposure 5,424.9 23.7 135.5 0.6 597.2 2.6 11,934.3 52.1 $74,999 Premium 2,046,660 18.7 71,866 0.7 300,475 2.8 5,863,217 53.7 Average $377 $530 $503 $491

$75,000 to Exposure 3,496.6 5.3 50.3 0.1 3,035.7 4.6 54,148.4 82.8 $99,999 Premium 1,705,659 4.3 34,093 0.1 1,938,862 4.9 32,975,159 82.8 Average $488 $677 $639 $609

$100,000 to Exposure 3,196.3 2.1 22.3 0.0 5,564.4 3.7 135,420.5 90.7 $124,999 Premium 1,802,603 1.7 19,021 0.0 4,025,234 3.8 96,893,389 90.8 Average $564 $855 $723 $716

$125,000 to Exposure 2,403.1 1.1 7.0 0.0 6,794.1 3.0 211,334.7 92.9 $149,999 Premium 1,147,296 0.6 6,931 0.0 5,147,254 2.9 167,557,914 93.3 Average $477 $990 $758 $793

$150,000 to Exposure 2,206.9 0.8 7,858.7 3.0 245,500.5 92.5 $174,999 Premium 1,178,619 0.5 * 6,363,454 2.8 210,333,823 92.8 Average $534 $810 $857

$175,000 to Exposure 1,430.0 0.6 1.0 0.0 7,765.8 3.2 225,091.0 92.0 $199,999 Premium 714,579 0.3 437 0.0 6,608,195 3.0 205,222,399 92.4 Average $500 $437 $851 $912

$200,000 to Exposure 2,300.2 0.4 3.2 0.0 19,785.0 3.2 557,244.3 90.5 $299,999 Premium 1,322,985 0.2 2,829 0.0 19,267,671 3.0 573,923,672 90.8 Average $575 $893 $974 $1,030

$300,000 to Exposure 506.6 0.2 4.0 0.0 7,392.9 3.0 220,548.8 89.7 $399,999 Premium 323,780 0.1 6,327 0.0 8,799,680 2.8 278,263,138 89.9 Average $639 $1,582 $1,190 $1,262

$400,000 to Exposure 171.8 0.2 3,763.7 3.5 95,602.0 88.7 $499,999 Premium 125,162 0.1 * 5,106,200 3.1 144,432,364 89.0 Average $729 $1,357 $1,511

$500,000 and Exposure 307.0 0.3 4,539.1 3.7 101,591.7 83.0 Over Premium 161,875 0.1 * 8,772,857 3.1 225,126,822 80.3 Average $527 $1,933 $2,216

Total Exposure 32,046.8 1.5 338.9 0.0 67,174.8 3.2 1,859,715.5 89.3 Premium 13,135,951 0.6 187,454 0.0 66,344,906 3.1 1,941,081,819 89.3 Average $410 $553 $988 $1,044

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Georgia Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 198.1 1.2 4,200.5 25.5 16,494.5 100.0 Under Premium 21,579 0.4 1,636,538 34.0 4,816,625 100.0 Average $109 $390 $292

$50,000 to Exposure 192.5 0.8 4,623.8 20.2 22,908.2 100.0 $74,999 Premium 30,745 0.3 2,608,480 23.9 10,921,443 100.0 Average $160 $564 $477

$75,000 to Exposure 236.6 0.4 4,443.2 6.8 65,410.8 100.0 $99,999 Premium 134,315 0.3 3,051,802 7.7 39,839,890 100.0 Average $568 $687 $609

$100,000 to Exposure 1,302.6 0.9 3,831.3 2.6 149,337.3 100.0 $124,999 Premium 867,613 0.8 3,094,770 2.9 106,702,630 100.0 Average $666 $808 $715

$125,000 to Exposure 4,192.9 1.8 2,681.9 1.2 227,413.7 100.0 $149,999 Premium 3,217,116 1.8 2,475,041 1.4 179,551,552 100.0 Average $767 $923 $790

$150,000 to Exposure 8,101.0 3.1 1,875.9 0.7 265,544.0 100.0 $174,999 Premium 6,908,071 3.0 1,978,848 0.9 226,761,936 100.0 Average $853 $1,055 $854

$175,000 to Exposure 9,213.9 3.8 1,065.5 0.4 244,567.2 100.0 $199,999 Premium 8,290,823 3.7 1,208,294 0.5 222,044,727 100.0 Average $900 $1,134 $908

$200,000 to Exposure 34,690.3 5.6 1,611.8 0.3 615,634.8 100.0 $299,999 Premium 35,447,494 5.6 2,123,600 0.3 632,088,251 100.0 Average $1,022 $1,318 $1,027

$300,000 to Exposure 17,221.3 7.0 226.1 0.1 245,899.7 100.0 $399,999 Premium 21,696,514 7.0 375,034 0.1 309,464,473 100.0 Average $1,260 $1,659 $1,258

$400,000 to Exposure 8,243.1 7.6 44.0 0.0 107,824.5 100.0 $499,999 Premium 12,548,263 7.7 94,085 0.1 162,306,074 100.0 Average $1,522 $2,138 $1,505

$500,000 and Exposure 15,949.7 13.0 18.2 0.0 122,405.6 100.0 Over Premium 46,156,000 16.5 42,865 0.0 280,260,419 100.0 Average $2,894 $2,360 $2,290

Total Exposure 99,541.9 4.8 24,622.2 1.2 2,083,440.1 100.0 Premium 135,318,533 6.2 18,689,357 0.9 2,174,758,020 100.0 Average $1,359 $759 $1,044

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Hawaii Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 11.0 23.3 23.2 49.0 Under Premium 1,060 10.3 * * 7,682 74.4 Average $96 $332

$50,000 to Exposure 20.0 12.8 25.0 16.0 85.8 54.9 $74,999 Premium 5,597 13.4 * 11,725 28.1 20,630 49.5 Average $280 $469 $241

$75,000 to Exposure 59.3 7.8 67.0 8.8 633.6 83.4 $99,999 Premium 13,625 5.2 * 50,956 19.3 199,043 75.5 Average $230 $761 $314

$100,000 to Exposure 108.6 5.8 125.0 6.7 1,598.5 85.6 $124,999 Premium 19,076 2.5 * 96,429 12.9 618,659 82.6 Average $176 $771 $387

$125,000 to Exposure 137.9 3.7 158.0 4.3 3,382.7 91.6 $149,999 Premium 30,909 1.8 * 139,008 8.0 1,565,908 89.7 Average $224 $880 $463

$150,000 to Exposure 142.2 2.0 238.0 3.3 6,862.4 94.4 $174,999 Premium 34,708 0.9 * 204,121 5.1 3,717,412 93.6 Average $244 $858 $542

$175,000 to Exposure 140.8 1.3 236.6 2.3 10,102.0 96.2 $199,999 Premium 35,408 0.6 * 220,758 3.5 6,042,254 95.7 Average $252 $933 $598

$200,000 to Exposure 526.7 0.8 676.8 1.0 64,240.3 97.9 $299,999 Premium 168,369 0.4 * 744,299 1.6 46,615,624 97.8 Average $320 $1,100 $726

$300,000 to Exposure 298.9 0.5 310.9 0.6 54,465.4 98.6 $399,999 Premium 107,250 0.2 * 302,685 0.6 49,276,633 99.0 Average $359 $974 $905

$400,000 to Exposure 136.5 0.5 8.0 0.0 75.7 0.3 29,381.3 98.8 $499,999 Premium 47,636 0.1 2,044 0.0 92,363 0.3 32,074,549 99.2 Average $349 $256 $1,221 $1,092

$500,000 and Exposure 347.4 0.9 33.0 0.1 125.0 0.3 38,959.3 97.5 Over Premium 248,067 0.4 26,304 0.0 175,746 0.3 59,821,624 97.4 Average $714 $797 $1,406 $1,535

Total Exposure 1,929.3 0.9 41.0 0.0 2,038.0 0.9 209,734.3 97.6 Premium 711,705 0.3 28,348 0.0 2,038,090 1.0 199,960,018 97.9 Average $369 $691 $1,000 $953

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Hawaii Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 13.1 27.7 47.3 100.0 Under Premium 1,586 15.4 * 10,328 100.0 Average $121 $219

$50,000 to Exposure 25.5 16.3 156.3 100.0 $74,999 Premium 3,738 9.0 * 41,690 100.0 Average $147 $267

$75,000 to Exposure 759.9 100.0 $99,999 Premium * * 263,624 100.0 Average $347

$100,000 to Exposure 17.0 0.9 19.0 1.0 1,868.1 100.0 $124,999 Premium 3,014 0.4 12,083 1.6 749,261 100.0 Average $177 $636 $401

$125,000 to Exposure 4.0 0.1 11.0 0.3 3,693.6 100.0 $149,999 Premium 951 0.1 8,695 0.5 1,745,471 100.0 Average $238 $790 $473

$150,000 to Exposure 8.0 0.1 15.5 0.2 7,266.1 100.0 $174,999 Premium 3,183 0.1 12,175 0.3 3,971,599 100.0 Average $398 $785 $547

$175,000 to Exposure 6.0 0.1 19.1 0.2 10,504.4 100.0 $199,999 Premium 1,859 0.0 16,739 0.3 6,317,018 100.0 Average $310 $877 $601

$200,000 to Exposure 84.3 0.1 77.8 0.1 65,605.9 100.0 $299,999 Premium 31,781 0.1 93,210 0.2 47,653,283 100.0 Average $377 $1,198 $726

$300,000 to Exposure 146.7 0.3 15.8 0.0 55,237.8 100.0 $399,999 Premium 79,348 0.2 19,360 0.0 49,785,276 100.0 Average $541 $1,223 $901

$400,000 to Exposure 140.3 0.5 8.0 0.0 29,749.8 100.0 $499,999 Premium 97,498 0.3 14,670 0.0 32,328,760 100.0 Average $695 $1,834 $1,087

$500,000 and Exposure 484.3 1.2 5.0 0.0 39,953.9 100.0 Over Premium 1,156,678 1.9 7,983 0.0 61,436,402 100.0 Average $2,389 $1,597 $1,538

Total Exposure 929.1 0.4 171.3 0.1 214,842.9 100.0 Premium 1,379,636 0.7 184,915 0.1 204,302,712 100.0 Average $1,485 $1,080 $951

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Idaho Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 319.8 58.4 2.0 0.4 150.1 27.4 Under Premium 64,147 50.9 * 680 0.5 39,800 31.6 Average $201 $340 $265

$50,000 to Exposure 370.0 18.0 1.0 0.0 13.5 0.7 1,527.9 74.2 $74,999 Premium 83,732 12.5 209 0.0 3,892 0.6 525,312 78.5 Average $226 $209 $288 $344

$75,000 to Exposure 466.2 4.6 2.0 0.0 110.5 1.1 8,878.8 87.3 $99,999 Premium 132,633 3.4 489 0.0 36,325 0.9 3,456,241 88.0 Average $285 $245 $329 $389

$100,000 to Exposure 537.0 1.8 1.0 0.0 913.9 3.0 25,714.4 85.2 $124,999 Premium 190,202 1.6 355 0.0 334,047 2.8 10,245,685 84.4 Average $354 $355 $366 $398

$125,000 to Exposure 424.2 0.8 1.0 0.0 2,052.7 4.0 41,475.0 80.8 $149,999 Premium 154,784 0.7 338 0.0 831,251 3.8 17,402,159 79.6 Average $365 $338 $405 $420

$150,000 to Exposure 384.2 0.6 1.3 0.0 2,533.0 4.3 43,936.8 73.9 $174,999 Premium 163,570 0.6 407 0.0 1,093,413 4.2 19,937,648 76.8 Average $426 $326 $432 $454

$175,000 to Exposure 287.6 0.5 1.9 0.0 2,237.9 4.3 37,143.9 71.0 $199,999 Premium 125,383 0.5 786 0.0 1,025,476 4.3 18,036,393 75.2 Average $436 $410 $458 $486

$200,000 to Exposure 373.7 0.3 2.5 0.0 5,180.3 4.4 80,711.8 68.0 $299,999 Premium 203,886 0.3 825 0.0 2,722,273 4.4 46,153,706 74.4 Average $546 $330 $526 $572

$300,000 to Exposure 100.3 0.3 1,161.7 3.1 24,957.1 66.2 $399,999 Premium 81,851 0.3 * 785,235 3.2 18,643,172 75.5 Average $816 $676 $747

$400,000 to Exposure 28.4 0.2 331.2 2.4 8,768.8 64.9 $499,999 Premium 27,897 0.3 * 284,255 2.6 8,264,187 75.7 Average $982 $858 $942

$500,000 and Exposure 22.7 0.1 254.7 1.7 9,920.6 65.0 Over Premium 37,964 0.2 * 322,468 1.4 16,157,932 72.0 Average $1,675 $1,266 $1,629

Total Exposure 3,313.9 0.8 10.7 0.0 14,791.3 3.8 283,185.2 72.4 Premium 1,266,049 0.6 3,399 0.0 7,439,315 3.6 158,862,235 76.1 Average $382 $319 $503 $561

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Idaho Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 8.9 1.6 67.3 12.3 548.1 100.0 Under Premium 1,479 1.2 19,921 15.8 126,017 100.0 Average $166 $296 $230

$50,000 to Exposure 41.4 2.0 106.2 5.2 2,060.0 100.0 $74,999 Premium 14,275 2.1 41,711 6.2 669,131 100.0 Average $345 $393 $325

$75,000 to Exposure 648.1 6.4 60.9 0.6 10,166.5 100.0 $99,999 Premium 267,679 6.8 32,231 0.8 3,925,598 100.0 Average $413 $529 $386

$100,000 to Exposure 2,958.4 9.8 44.7 0.1 30,169.4 100.0 $124,999 Premium 1,336,554 11.0 31,194 0.3 12,138,037 100.0 Average $452 $698 $402

$125,000 to Exposure 7,358.4 14.3 31.2 0.1 51,342.4 100.0 $149,999 Premium 3,442,586 15.8 21,999 0.1 21,853,117 100.0 Average $468 $706 $426

$150,000 to Exposure 12,602.2 21.2 15.3 0.0 59,472.7 100.0 $174,999 Premium 4,755,972 18.3 15,057 0.1 25,966,067 100.0 Average $377 $982 $437

$175,000 to Exposure 12,614.0 24.1 5.4 0.0 52,290.8 100.0 $199,999 Premium 4,778,566 19.9 4,994 0.0 23,971,598 100.0 Average $379 $922 $458

$200,000 to Exposure 32,424.8 27.3 8.6 0.0 118,701.6 100.0 $299,999 Premium 12,926,121 20.8 11,571 0.0 62,018,382 100.0 Average $399 $1,348 $522

$300,000 to Exposure 11,465.2 30.4 1.0 0.0 37,685.2 100.0 $399,999 Premium 5,166,356 20.9 1,296 0.0 24,677,910 100.0 Average $451 $1,296 $655

$400,000 to Exposure 4,391.4 32.5 13,519.8 100.0 $499,999 Premium 2,340,077 21.4 * 10,916,416 100.0 Average $533 $807

$500,000 and Exposure 5,073.5 33.2 15,271.4 100.0 Over Premium 5,931,784 26.4 * 22,450,148 100.0 Average $1,169 $1,470

Total Exposure 89,586.3 22.9 340.5 0.1 391,227.8 100.0 Premium 40,961,449 19.6 179,974 0.1 208,712,421 100.0 Average $457 $529 $533

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Illinois Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 3,060.4 20.0 88.3 0.6 86.8 0.6 10,563.1 68.9 Under Premium 892,765 30.4 28,904 1.0 32,395 1.1 1,353,432 46.1 Average $292 $327 $373 $128

$50,000 to Exposure 1,822.7 14.9 70.4 0.6 380.7 3.1 7,420.8 60.6 $74,999 Premium 1,043,087 14.1 30,102 0.4 200,516 2.7 4,723,725 63.8 Average $572 $427 $527 $637

$75,000 to Exposure 1,166.6 3.5 40.5 0.1 763.2 2.3 27,429.5 83.1 $99,999 Premium 849,861 4.2 19,915 0.1 383,726 1.9 16,613,204 82.8 Average $729 $492 $503 $606

$100,000 to Exposure 1,301.5 1.4 30.4 0.0 2,582.4 2.9 76,448.3 85.1 $124,999 Premium 1,259,241 2.2 16,843 0.0 1,401,377 2.5 48,449,307 85.0 Average $968 $554 $543 $634

$125,000 to Exposure 632.7 0.4 18.6 0.0 4,826.3 3.2 124,248.3 83.5 $149,999 Premium 615,871 0.6 12,741 0.0 2,848,657 2.9 83,731,492 83.9 Average $973 $686 $590 $674

$150,000 to Exposure 808.5 0.4 12.8 0.0 7,708.9 3.8 164,516.4 81.3 $174,999 Premium 867,878 0.6 7,255 0.0 4,990,972 3.5 117,837,324 81.6 Average $1,073 $565 $647 $716

$175,000 to Exposure 514.2 0.2 7.0 0.0 9,374.4 4.0 186,660.7 80.5 $199,999 Premium 529,288 0.3 5,023 0.0 6,474,067 3.7 141,380,651 80.8 Average $1,029 $718 $691 $757

$200,000 to Exposure 1,428.5 0.2 27.3 0.0 42,876.3 4.9 704,707.3 80.0 $299,999 Premium 1,740,011 0.2 18,664 0.0 33,174,764 4.5 593,122,454 80.1 Average $1,218 $683 $774 $842

$300,000 to Exposure 495.8 0.1 23.8 0.0 24,064.1 5.1 382,521.1 80.6 $399,999 Premium 713,536 0.2 23,046 0.0 22,751,032 4.8 380,679,969 80.7 Average $1,439 $967 $945 $995

$400,000 to Exposure 193.9 0.1 7.3 0.0 10,310.8 4.9 167,359.6 80.1 $499,999 Premium 343,178 0.1 9,982 0.0 11,655,339 4.7 200,254,281 80.4 Average $1,770 $1,361 $1,130 $1,197

$500,000 and Exposure 166.4 0.1 8.1 0.0 11,775.7 5.1 179,757.9 77.5 Over Premium 307,502 0.1 10,716 0.0 18,973,865 4.6 317,135,682 76.5 Average $1,848 $1,326 $1,611 $1,764

Total Exposure 11,591.2 0.5 334.7 0.0 114,749.6 4.5 2,031,633.0 80.3 Premium 9,162,218 0.4 183,191 0.0 102,886,710 4.3 1,905,281,521 80.0 Average $790 $547 $897 $938

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Illinois Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 189.3 1.2 1,341.2 8.7 15,329.1 100.0 Under Premium 58,523 2.0 570,020 19.4 2,936,039 100.0 Average $309 $425 $192

$50,000 to Exposure 360.0 2.9 2,188.3 17.9 12,242.9 100.0 $74,999 Premium 163,077 2.2 1,245,247 16.8 7,405,754 100.0 Average $453 $569 $605

$75,000 to Exposure 1,742.0 5.3 1,863.3 5.6 33,005.1 100.0 $99,999 Premium 919,164 4.6 1,273,109 6.3 20,058,979 100.0 Average $528 $683 $608

$100,000 to Exposure 8,150.6 9.1 1,360.3 1.5 89,873.6 100.0 $124,999 Premium 4,852,872 8.5 1,022,766 1.8 57,002,406 100.0 Average $595 $752 $634

$125,000 to Exposure 18,240.2 12.3 879.0 0.6 148,845.1 100.0 $149,999 Premium 11,779,771 11.8 758,700 0.8 99,747,232 100.0 Average $646 $863 $670

$150,000 to Exposure 28,666.9 14.2 760.6 0.4 202,474.2 100.0 $174,999 Premium 19,926,974 13.8 747,004 0.5 144,377,407 100.0 Average $695 $982 $713

$175,000 to Exposure 34,957.1 15.1 479.3 0.2 231,992.6 100.0 $199,999 Premium 26,151,094 14.9 544,082 0.3 175,084,205 100.0 Average $748 $1,135 $755

$200,000 to Exposure 130,258.1 14.8 1,136.5 0.1 880,433.9 100.0 $299,999 Premium 110,552,479 14.9 1,537,409 0.2 740,145,781 100.0 Average $849 $1,353 $841

$300,000 to Exposure 67,095.8 14.1 283.2 0.1 474,483.8 100.0 $399,999 Premium 67,150,910 14.2 459,304 0.1 471,777,797 100.0 Average $1,001 $1,622 $994

$400,000 to Exposure 31,032.3 14.8 84.8 0.0 208,988.8 100.0 $499,999 Premium 36,731,280 14.7 176,529 0.1 249,170,589 100.0 Average $1,184 $2,083 $1,192

$500,000 and Exposure 40,210.7 17.3 52.3 0.0 231,971.1 100.0 Over Premium 78,232,646 18.9 139,468 0.0 414,799,879 100.0 Average $1,946 $2,665 $1,788

Total Exposure 360,902.9 14.3 10,428.8 0.4 2,529,640.1 100.0 Premium 356,518,790 15.0 8,473,638 0.4 2,382,506,068 100.0 Average $988 $813 $942

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Indiana Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 2,060.6 14.0 67.9 0.5 677.1 4.6 10,394.8 70.7 Under Premium 756,221 18.2 21,768 0.5 229,456 5.5 2,478,182 59.6 Average $367 $321 $339 $238

$50,000 to Exposure 1,667.3 6.5 129.8 0.5 951.1 3.7 20,260.8 78.8 $74,999 Premium 979,724 6.5 57,996 0.4 556,623 3.7 11,653,568 77.5 Average $588 $447 $585 $575

$75,000 to Exposure 1,088.1 1.4 81.7 0.1 1,596.8 2.1 66,630.2 88.8 $99,999 Premium 752,801 1.5 41,832 0.1 1,000,673 2.1 42,843,558 88.2 Average $692 $512 $627 $643

$100,000 to Exposure 826.0 0.5 49.0 0.0 3,040.9 2.0 132,565.9 87.7 $124,999 Premium 692,473 0.7 29,530 0.0 2,091,388 2.0 92,498,417 87.4 Average $838 $603 $688 $698

$125,000 to Exposure 467.3 0.2 43.8 0.0 3,995.3 2.0 174,035.9 85.4 $149,999 Premium 356,019 0.2 28,106 0.0 2,970,420 1.9 130,923,874 85.4 Average $762 $641 $743 $752

$150,000 to Exposure 397.3 0.2 26.8 0.0 4,707.8 2.2 180,606.6 83.0 $174,999 Premium 377,257 0.2 13,888 0.0 3,776,289 2.2 143,486,501 83.2 Average $949 $518 $802 $794

$175,000 to Exposure 215.7 0.1 11.4 0.0 4,344.8 2.3 155,852.8 80.8 $199,999 Premium 204,099 0.1 5,518 0.0 3,797,660 2.3 131,731,941 81.3 Average $946 $483 $874 $845

$200,000 to Exposure 298.0 0.1 27.7 0.0 9,509.1 2.3 331,417.4 79.2 $299,999 Premium 316,101 0.1 18,249 0.0 9,757,898 2.5 315,172,348 79.8 Average $1,061 $660 $1,026 $951

$300,000 to Exposure 64.0 0.1 12.8 0.0 2,352.5 1.9 99,485.6 78.4 $399,999 Premium 92,583 0.1 10,719 0.0 3,071,316 2.1 114,704,509 79.0 Average $1,447 $835 $1,306 $1,153

$400,000 to Exposure 23.3 0.1 4.5 0.0 661.2 1.5 34,172.2 77.3 $499,999 Premium 26,096 0.0 7,015 0.0 1,060,110 1.8 46,770,377 77.7 Average $1,122 $1,559 $1,603 $1,369

$500,000 and Exposure 29.6 0.1 1.0 0.0 587.7 1.3 34,129.6 73.4 Over Premium 30,055 0.0 1,159 0.0 1,219,976 1.3 67,634,996 70.4 Average $1,016 $1,159 $2,076 $1,982

Total Exposure 7,137.2 0.5 456.5 0.0 32,424.1 2.1 1,239,551.6 81.7 Premium 4,583,429 0.3 235,780 0.0 29,531,809 2.2 1,099,898,271 81.0 Average $642 $516 $911 $887

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Indiana Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 140.8 1.0 1,364.5 9.3 14,705.6 100.0 Under Premium 42,912 1.0 626,485 15.1 4,155,024 100.0 Average $305 $459 $283

$50,000 to Exposure 444.1 1.7 2,271.1 8.8 25,724.2 100.0 $74,999 Premium 223,245 1.5 1,565,569 10.4 15,036,725 100.0 Average $503 $689 $585

$75,000 to Exposure 3,772.5 5.0 1,899.5 2.5 75,068.7 100.0 $99,999 Premium 2,394,670 4.9 1,543,669 3.2 48,577,203 100.0 Average $635 $813 $647

$100,000 to Exposure 13,511.9 8.9 1,146.4 0.8 151,140.2 100.0 $124,999 Premium 9,386,959 8.9 1,087,167 1.0 105,785,934 100.0 Average $695 $948 $700

$125,000 to Exposure 24,543.7 12.0 607.2 0.3 203,693.3 100.0 $149,999 Premium 18,306,572 11.9 657,814 0.4 153,242,805 100.0 Average $746 $1,083 $752

$150,000 to Exposure 31,461.6 14.5 384.6 0.2 217,584.7 100.0 $174,999 Premium 24,360,687 14.1 462,112 0.3 172,476,734 100.0 Average $774 $1,202 $793

$175,000 to Exposure 32,246.7 16.7 199.3 0.1 192,870.6 100.0 $199,999 Premium 26,059,105 16.1 289,254 0.2 162,087,577 100.0 Average $808 $1,451 $840

$200,000 to Exposure 76,731.6 18.3 246.9 0.1 418,230.7 100.0 $299,999 Premium 69,165,044 17.5 434,407 0.1 394,864,047 100.0 Average $901 $1,759 $944

$300,000 to Exposure 24,953.6 19.7 20.3 0.0 126,888.8 100.0 $399,999 Premium 27,374,128 18.8 33,211 0.0 145,286,466 100.0 Average $1,097 $1,640 $1,145

$400,000 to Exposure 9,315.3 21.1 7.2 0.0 44,183.5 100.0 $499,999 Premium 12,293,883 20.4 16,672 0.0 60,174,153 100.0 Average $1,320 $2,326 $1,362

$500,000 and Exposure 11,777.2 25.3 4.0 0.0 46,529.0 100.0 Over Premium 27,117,678 28.2 8,888 0.0 96,012,752 100.0 Average $2,303 $2,222 $2,064

Total Exposure 228,898.8 15.1 8,150.9 0.5 1,516,619.0 100.0 Premium 216,724,883 16.0 6,725,248 0.5 1,357,699,420 100.0 Average $947 $825 $895

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Iowa Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 1,933.9 11.4 11.2 0.1 255.2 1.5 14,175.1 83.6 Under Premium 473,785 20.2 1,965 0.1 165,538 7.1 1,506,509 64.3 Average $245 $176 $649 $106

$50,000 to Exposure 1,743.3 15.5 4.9 0.0 398.3 3.5 8,164.8 72.7 $74,999 Premium 725,621 12.4 1,563 0.0 253,107 4.3 4,341,152 73.9 Average $416 $318 $636 $532

$75,000 to Exposure 964.9 3.0 4.1 0.0 728.8 2.3 27,604.3 87.2 $99,999 Premium 480,340 2.5 2,268 0.0 483,427 2.5 16,900,171 87.3 Average $498 $555 $663 $612

$100,000 to Exposure 760.9 1.0 12.3 0.0 1,205.9 1.6 67,415.5 87.0 $124,999 Premium 504,652 1.0 7,872 0.0 789,115 1.5 45,683,440 87.1 Average $663 $643 $654 $678

$125,000 to Exposure 341.7 0.3 6.1 0.0 1,482.1 1.4 91,782.0 85.6 $149,999 Premium 228,534 0.3 4,230 0.0 1,028,915 1.3 67,029,367 85.9 Average $669 $695 $694 $730

$150,000 to Exposure 258.1 0.2 3.0 0.0 1,706.6 1.6 90,283.5 84.4 $174,999 Premium 213,417 0.3 1,872 0.0 1,276,403 1.5 70,091,690 84.7 Average $827 $624 $748 $776

$175,000 to Exposure 132.8 0.1 2.0 0.0 1,628.8 1.8 74,175.8 83.4 $199,999 Premium 106,459 0.1 1,551 0.0 1,268,121 1.7 61,346,888 83.9 Average $801 $776 $779 $827

$200,000 to Exposure 183.3 0.1 5.3 0.0 3,483.9 1.9 151,919.8 81.4 $299,999 Premium 188,035 0.1 4,316 0.0 3,063,607 1.8 141,150,366 81.9 Average $1,026 $809 $879 $929

$300,000 to Exposure 36.8 0.1 2.0 0.0 929.3 1.7 42,071.5 78.7 $399,999 Premium 35,067 0.1 2,897 0.0 1,058,915 1.8 47,199,990 78.7 Average $954 $1,449 $1,140 $1,122

$400,000 to Exposure 11.1 0.1 1.4 0.0 313.5 1.9 12,248.3 75.5 $499,999 Premium 12,900 0.1 1,719 0.0 457,662 2.1 16,583,494 75.4 Average $1,164 $1,213 $1,460 $1,354

$500,000 and Exposure 8.2 0.1 224.4 1.5 10,571.2 72.5 Over Premium 11,970 0.0 * 550,011 1.9 19,665,029 69.5 Average $1,466 $2,451 $1,860

Total Exposure 6,374.8 0.9 52.3 0.0 12,356.8 1.7 590,411.8 83.0 Premium 2,980,780 0.5 30,253 0.0 10,394,821 1.7 491,498,096 82.4 Average $468 $579 $841 $832

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Iowa Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 21.8 0.1 560.1 3.3 16,957.2 100.0 Under Premium 4,017 0.2 192,058 8.2 2,343,872 100.0 Average $185 $343 $138

$50,000 to Exposure 100.3 0.9 822.8 7.3 11,234.3 100.0 $74,999 Premium 46,327 0.8 503,989 8.6 5,871,759 100.0 Average $462 $613 $523

$75,000 to Exposure 1,723.0 5.4 636.1 2.0 31,661.3 100.0 $99,999 Premium 1,038,182 5.4 446,411 2.3 19,350,799 100.0 Average $603 $702 $611

$100,000 to Exposure 7,548.8 9.7 565.9 0.7 77,509.3 100.0 $124,999 Premium 5,026,735 9.6 449,036 0.9 52,460,850 100.0 Average $666 $793 $677

$125,000 to Exposure 13,306.9 12.4 313.5 0.3 107,232.3 100.0 $149,999 Premium 9,472,829 12.1 283,961 0.4 78,047,836 100.0 Average $712 $906 $728

$150,000 to Exposure 14,508.1 13.6 225.3 0.2 106,984.6 100.0 $174,999 Premium 10,908,716 13.2 219,066 0.3 82,711,164 100.0 Average $752 $972 $773

$175,000 to Exposure 12,923.0 14.5 92.5 0.1 88,954.9 100.0 $199,999 Premium 10,320,005 14.1 103,602 0.1 73,146,626 100.0 Average $799 $1,120 $822

$200,000 to Exposure 30,970.3 16.6 138.3 0.1 186,700.8 100.0 $299,999 Premium 27,832,927 16.1 185,479 0.1 172,424,730 100.0 Average $899 $1,342 $924

$300,000 to Exposure 10,403.1 19.5 22.8 0.0 53,465.3 100.0 $399,999 Premium 11,629,649 19.4 35,773 0.1 59,962,291 100.0 Average $1,118 $1,572 $1,122

$400,000 to Exposure 3,653.7 22.5 2.0 0.0 16,230.0 100.0 $499,999 Premium 4,928,927 22.4 2,386 0.0 21,987,088 100.0 Average $1,349 $1,193 $1,355

$500,000 and Exposure 3,784.1 25.9 3.0 0.0 14,590.8 100.0 Over Premium 8,059,585 28.5 7,363 0.0 28,293,958 100.0 Average $2,130 $2,454 $1,939

Total Exposure 98,942.9 13.9 3,382.3 0.5 711,520.8 100.0 Premium 89,267,899 15.0 2,429,124 0.4 596,600,973 100.0 Average $902 $718 $838

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Kansas Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 4,220.3 40.2 196.8 1.9 1,003.2 9.6 4,324.5 41.2 Under Premium 847,171 11.9 92,426 1.3 1,166,884 16.4 4,482,272 63.2 Average $201 $470 $1,163 $1,036

$50,000 to Exposure 2,264.3 12.0 245.8 1.3 1,815.4 9.6 12,601.1 66.7 $74,999 Premium 911,857 5.4 146,600 0.9 2,050,993 12.0 12,283,709 72.1 Average $403 $597 $1,130 $975

$75,000 to Exposure 1,453.1 3.4 198.3 0.5 3,072.8 7.1 33,652.5 78.1 $99,999 Premium 839,323 1.9 151,150 0.3 3,375,146 7.7 34,918,933 79.4 Average $578 $762 $1,098 $1,038

$100,000 to Exposure 750.2 1.1 87.5 0.1 3,069.7 4.6 51,668.7 76.9 $124,999 Premium 675,213 0.9 85,739 0.1 3,408,530 4.6 56,929,116 76.9 Average $900 $980 $1,110 $1,102

$125,000 to Exposure 358.8 0.4 44.2 0.1 2,694.8 3.3 60,089.1 73.9 $149,999 Premium 480,492 0.5 48,415 0.1 3,018,621 3.2 69,551,942 73.3 Average $1,339 $1,096 $1,120 $1,157

$150,000 to Exposure 270.1 0.3 14.0 0.0 2,486.2 3.0 59,695.1 71.9 $174,999 Premium 397,625 0.4 14,422 0.0 2,876,628 2.8 73,223,649 71.1 Average $1,472 $1,030 $1,157 $1,227

$175,000 to Exposure 100.3 0.1 6.0 0.0 2,362.3 3.2 51,884.2 69.6 $199,999 Premium 212,566 0.2 8,373 0.0 2,849,377 2.9 66,541,455 68.5 Average $2,120 $1,396 $1,206 $1,283

$200,000 to Exposure 180.3 0.1 4.3 0.0 4,952.2 2.9 116,567.3 69.4 $299,999 Premium 468,236 0.2 6,122 0.0 6,639,458 2.8 164,426,302 68.6 Average $2,598 $1,440 $1,341 $1,411

$300,000 to Exposure 36.9 0.1 1.0 0.0 1,467.1 2.6 40,626.7 71.2 $399,999 Premium 144,151 0.2 1,890 0.0 2,373,913 2.5 67,543,421 71.1 Average $3,905 $1,890 $1,618 $1,663

$400,000 to Exposure 27.6 0.1 490.9 2.3 14,749.7 70.1 $499,999 Premium 88,697 0.2 * 896,800 2.2 28,918,949 70.8 Average $3,216 $1,827 $1,961

$500,000 and Exposure 11.3 0.0 474.2 2.1 14,261.1 62.6 Over Premium 35,558 0.1 * 1,164,576 1.8 39,241,399 61.8 Average $3,137 $2,456 $2,752

Total Exposure 9,673.1 1.5 797.8 0.1 23,888.7 3.7 460,119.8 71.1 Premium 5,100,889 0.6 555,137 0.1 29,820,926 3.4 618,061,147 70.5 Average $527 $696 $1,248 $1,343

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Kansas Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 13.8 0.1 734.8 7.0 10,493.4 100.0 Under Premium 4,022 0.1 503,690 7.1 7,096,465 100.0 Average $291 $686 $676

$50,000 to Exposure 135.8 0.7 1,820.1 9.6 18,882.4 100.0 $74,999 Premium 93,640 0.5 1,542,518 9.1 17,029,317 100.0 Average $689 $847 $902

$75,000 to Exposure 3,276.1 7.6 1,450.8 3.4 43,103.5 100.0 $99,999 Premium 3,288,084 7.5 1,432,844 3.3 44,005,480 100.0 Average $1,004 $988 $1,021

$100,000 to Exposure 10,716.7 16.0 893.1 1.3 67,185.8 100.0 $124,999 Premium 11,892,145 16.1 1,004,404 1.4 73,995,147 100.0 Average $1,110 $1,125 $1,101

$125,000 to Exposure 17,664.3 21.7 453.2 0.6 81,304.3 100.0 $149,999 Premium 21,136,086 22.3 591,340 0.6 94,826,896 100.0 Average $1,197 $1,305 $1,166

$150,000 to Exposure 20,307.6 24.4 296.1 0.4 83,069.0 100.0 $174,999 Premium 26,086,733 25.3 429,946 0.4 103,029,003 100.0 Average $1,285 $1,452 $1,240

$175,000 to Exposure 20,029.4 26.9 174.3 0.2 74,556.4 100.0 $199,999 Premium 27,224,473 28.0 278,723 0.3 97,114,967 100.0 Average $1,359 $1,600 $1,303

$200,000 to Exposure 46,138.5 27.5 230.7 0.1 168,073.1 100.0 $299,999 Premium 67,658,768 28.2 480,152 0.2 239,679,038 100.0 Average $1,466 $2,082 $1,426

$300,000 to Exposure 14,935.4 26.2 27.3 0.0 57,094.4 100.0 $399,999 Premium 24,810,276 26.1 62,070 0.1 94,935,721 100.0 Average $1,661 $2,271 $1,663

$400,000 to Exposure 5,761.9 27.4 14.0 0.1 21,044.1 100.0 $499,999 Premium 10,911,808 26.7 48,264 0.1 40,864,518 100.0 Average $1,894 $3,447 $1,942

$500,000 and Exposure 8,031.8 35.3 2.9 0.0 22,781.3 100.0 Over Premium 23,066,360 36.3 16,283 0.0 63,524,176 100.0 Average $2,872 $5,583 $2,788

Total Exposure 147,011.3 22.7 6,097.2 0.9 647,587.8 100.0 Premium 216,172,395 24.7 6,390,234 0.7 876,100,728 100.0 Average $1,470 $1,048 $1,353

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Kentucky Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 2,858.0 16.4 298.0 1.7 4,007.9 23.0 2,382.6 13.7 Under Premium 854,597 9.9 127,383 1.5 2,110,909 24.4 1,241,992 14.4 Average $299 $427 $527 $521

$50,000 to Exposure 1,044.6 3.3 205.2 0.6 11,348.9 35.8 14,201.0 44.8 $74,999 Premium 491,732 2.5 118,547 0.6 7,043,849 35.7 8,627,317 43.7 Average $471 $578 $621 $608

$75,000 to Exposure 535.1 0.8 116.0 0.2 13,330.5 19.8 50,909.6 75.7 $99,999 Premium 287,179 0.6 81,203 0.2 9,598,719 20.3 35,450,260 74.9 Average $537 $700 $720 $696

$100,000 to Exposure 362.3 0.3 69.3 0.1 9,736.8 9.2 93,328.7 88.3 $124,999 Premium 246,502 0.3 56,817 0.1 6,966,957 8.9 69,249,035 88.6 Average $680 $820 $716 $742

$125,000 to Exposure 206.8 0.2 33.2 0.0 7,152.8 5.8 114,173.2 91.9 $149,999 Premium 136,305 0.1 34,622 0.0 5,580,376 5.6 91,116,515 92.1 Average $659 $1,044 $780 $798

$150,000 to Exposure 149.0 0.1 1.0 0.0 5,407.7 4.7 106,675.8 92.0 $174,999 Premium 112,562 0.1 628 0.0 4,643,649 4.7 92,020,227 92.4 Average $755 $628 $859 $863

$175,000 to Exposure 87.3 0.1 3,490.8 3.8 85,408.0 92.3 $199,999 Premium 67,894 0.1 * 3,295,162 3.9 78,855,396 92.6 Average $778 $944 $923

$200,000 to Exposure 186.7 0.1 0.5 0.0 6,410.8 3.1 188,346.0 91.9 $299,999 Premium 132,412 0.1 762 0.0 7,040,489 3.3 198,289,607 92.2 Average $709 $1,524 $1,098 $1,053

$300,000 to Exposure 40.8 0.1 1,572.6 2.2 64,786.3 91.1 $399,999 Premium 28,799 0.0 * 2,291,100 2.5 84,667,304 91.4 Average $707 $1,457 $1,307

$400,000 to Exposure 19.3 0.1 522.0 2.0 22,727.4 89.0 $499,999 Premium 18,468 0.0 * 914,328 2.2 36,589,938 89.3 Average $955 $1,752 $1,610

$500,000 and Exposure 43.4 0.2 376.2 1.3 23,036.8 82.3 Over Premium 24,551 0.0 * 1,077,054 1.5 55,108,962 78.3 Average $565 $2,863 $2,392

Total Exposure 5,533.1 0.6 723.1 0.1 63,356.9 7.2 765,975.4 86.6 Premium 2,401,001 0.3 419,962 0.0 50,562,592 5.9 751,216,553 87.7 Average $434 $581 $798 $981

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Kentucky Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 60.6 0.3 7,792.1 44.8 17,399.2 100.0 Under Premium 9,018 0.1 4,296,634 49.7 8,640,533 100.0 Average $149 $551 $497

$50,000 to Exposure 61.7 0.2 4,819.6 15.2 31,680.9 100.0 $74,999 Premium 19,406 0.1 3,426,733 17.4 19,727,584 100.0 Average $315 $711 $623

$75,000 to Exposure 241.8 0.4 2,084.6 3.1 67,217.6 100.0 $99,999 Premium 160,380 0.3 1,756,422 3.7 47,334,163 100.0 Average $663 $843 $704

$100,000 to Exposure 1,163.6 1.1 1,075.2 1.0 105,735.7 100.0 $124,999 Premium 678,374 0.9 989,871 1.3 78,187,556 100.0 Average $583 $921 $739

$125,000 to Exposure 2,098.2 1.7 547.5 0.4 124,211.5 100.0 $149,999 Premium 1,482,207 1.5 550,816 0.6 98,900,841 100.0 Average $706 $1,006 $796

$150,000 to Exposure 3,345.8 2.9 321.2 0.3 115,900.4 100.0 $174,999 Premium 2,422,042 2.4 374,431 0.4 99,573,539 100.0 Average $724 $1,166 $859

$175,000 to Exposure 3,342.8 3.6 160.0 0.2 92,488.9 100.0 $199,999 Premium 2,713,912 3.2 197,046 0.2 85,129,410 100.0 Average $812 $1,232 $920

$200,000 to Exposure 9,811.7 4.8 230.8 0.1 204,986.4 100.0 $299,999 Premium 9,263,589 4.3 338,190 0.2 215,065,049 100.0 Average $944 $1,466 $1,049

$300,000 to Exposure 4,630.6 6.5 51.8 0.1 71,082.1 100.0 $399,999 Premium 5,558,484 6.0 94,496 0.1 92,640,183 100.0 Average $1,200 $1,823 $1,303

$400,000 to Exposure 2,249.8 8.8 9.3 0.0 25,527.8 100.0 $499,999 Premium 3,425,566 8.4 17,532 0.0 40,965,832 100.0 Average $1,523 $1,895 $1,605

$500,000 and Exposure 4,538.3 16.2 9.5 0.0 28,004.2 100.0 Over Premium 14,172,160 20.1 31,858 0.0 70,414,585 100.0 Average $3,123 $3,353 $2,514

Total Exposure 31,544.8 3.6 17,101.4 1.9 884,234.7 100.0 Premium 39,905,138 4.7 12,074,029 1.4 856,579,275 100.0 Average $1,265 $706 $969

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Louisiana Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 10,802.7 63.9 12.0 0.1 79.9 0.5 3,512.4 20.8 Under Premium 6,766,681 66.2 4,054 0.0 52,450 0.5 1,623,723 15.9 Average $626 $338 $656 $462

$50,000 to Exposure 8,451.2 35.2 7.6 0.0 563.7 2.4 12,636.9 52.7 $74,999 Premium 6,026,743 32.1 3,169 0.0 752,947 4.0 9,843,059 52.4 Average $713 $418 $1,336 $779

$75,000 to Exposure 6,526.6 11.6 32.5 0.1 1,291.1 2.3 46,900.4 83.1 $99,999 Premium 5,300,301 9.1 16,867 0.0 2,092,215 3.6 49,241,525 84.3 Average $812 $519 $1,621 $1,050

$100,000 to Exposure 5,712.1 6.5 42.2 0.0 1,400.4 1.6 79,016.5 90.3 $124,999 Premium 5,019,152 4.6 27,576 0.0 2,478,675 2.3 99,923,262 91.7 Average $879 $654 $1,770 $1,265

$125,000 to Exposure 4,328.3 4.4 37.0 0.0 1,699.7 1.7 90,656.1 92.2 $149,999 Premium 3,884,976 2.8 27,714 0.0 3,040,334 2.2 129,701,802 93.6 Average $898 $749 $1,789 $1,431

$150,000 to Exposure 3,797.8 3.8 46.0 0.0 1,993.8 2.0 91,464.5 92.3 $174,999 Premium 3,746,088 2.5 38,952 0.0 3,617,371 2.4 142,984,318 93.7 Average $986 $847 $1,814 $1,563

$175,000 to Exposure 2,638.0 3.0 17.0 0.0 2,240.2 2.5 81,720.3 92.9 $199,999 Premium 2,959,008 2.0 16,806 0.0 4,394,518 3.0 138,902,978 93.8 Average $1,122 $989 $1,962 $1,700

$200,000 to Exposure 4,418.8 2.3 10.0 0.0 5,028.8 2.6 180,502.0 93.7 $299,999 Premium 6,362,048 1.7 12,890 0.0 12,400,402 3.2 361,956,011 94.0 Average $1,440 $1,289 $2,466 $2,005

$300,000 to Exposure 1,076.1 1.8 4.0 0.0 1,533.3 2.5 56,648.3 94.1 $399,999 Premium 2,052,648 1.3 7,377 0.0 4,735,180 3.0 147,388,337 94.2 Average $1,908 $1,844 $3,088 $2,602

$400,000 to Exposure 323.9 1.4 1.0 0.0 640.3 2.9 20,874.8 93.3 $499,999 Premium 726,185 1.0 680 0.0 2,324,614 3.3 66,393,212 93.3 Average $2,242 $680 $3,630 $3,181

$500,000 and Exposure 353.7 1.3 672.4 2.5 23,332.2 86.9 Over Premium 829,625 0.7 * 3,349,740 2.7 104,455,026 83.7 Average $2,346 $4,982 $4,477

Total Exposure 48,429.1 6.3 209.3 0.0 17,143.5 2.2 687,264.4 89.0 Premium 43,673,455 3.2 156,085 0.0 39,238,446 2.9 1,252,413,253 91.2 Average $902 $746 $2,289 $1,822

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Louisiana Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 6.9 0.0 2,486.3 14.7 16,900.3 100.0 Under Premium 2,440 0.0 1,771,086 17.3 10,220,434 100.0 Average $353 $712 $605

$50,000 to Exposure 1.0 0.0 2,322.5 9.7 23,982.8 100.0 $74,999 Premium 1,136 0.0 2,160,186 11.5 18,787,240 100.0 Average $1,136 $930 $783

$75,000 to Exposure 8.0 0.0 1,713.7 3.0 56,472.3 100.0 $99,999 Premium 7,774 0.0 1,782,422 3.0 58,441,104 100.0 Average $972 $1,040 $1,035

$100,000 to Exposure 292.0 0.3 1,029.9 1.2 87,493.1 100.0 $124,999 Premium 290,966 0.3 1,250,241 1.1 108,989,872 100.0 Average $996 $1,214 $1,246

$125,000 to Exposure 1,103.3 1.1 489.9 0.5 98,314.2 100.0 $149,999 Premium 1,219,852 0.9 660,069 0.5 138,534,747 100.0 Average $1,106 $1,347 $1,409

$150,000 to Exposure 1,565.1 1.6 262.9 0.3 99,130.1 100.0 $174,999 Premium 1,863,847 1.2 369,813 0.2 152,620,389 100.0 Average $1,191 $1,407 $1,540

$175,000 to Exposure 1,304.3 1.5 65.9 0.1 87,985.8 100.0 $199,999 Premium 1,723,448 1.2 117,956 0.1 148,114,714 100.0 Average $1,321 $1,789 $1,683

$200,000 to Exposure 2,548.6 1.3 105.4 0.1 192,613.6 100.0 $299,999 Premium 4,087,824 1.1 183,992 0.0 385,003,167 100.0 Average $1,604 $1,745 $1,999

$300,000 to Exposure 940.1 1.6 21.6 0.0 60,223.4 100.0 $399,999 Premium 2,248,905 1.4 40,177 0.0 156,472,624 100.0 Average $2,392 $1,861 $2,598

$400,000 to Exposure 533.9 2.4 11.3 0.1 22,385.3 100.0 $499,999 Premium 1,705,654 2.4 26,439 0.0 71,176,784 100.0 Average $3,195 $2,333 $3,180

$500,000 and Exposure 2,479.5 9.2 8.0 0.0 26,845.8 100.0 Over Premium 16,118,851 12.9 32,644 0.0 124,785,886 100.0 Average $6,501 $4,081 $4,648

Total Exposure 10,782.7 1.4 8,517.5 1.1 772,346.4 100.0 Premium 29,270,697 2.1 8,395,025 0.6 1,373,146,961 100.0 Average $2,715 $986 $1,778

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Maine Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 1,111.7 60.6 28.0 1.5 143.6 7.8 465.6 25.4 Under Premium 209,511 48.7 6,222 1.4 38,738 9.0 148,537 34.6 Average $188 $222 $270 $319

$50,000 to Exposure 853.7 23.2 81.7 2.2 382.0 10.4 2,217.4 60.3 $74,999 Premium 253,460 19.3 20,937 1.6 118,741 9.0 848,255 64.6 Average $297 $256 $311 $383

$75,000 to Exposure 724.6 9.6 106.8 1.4 561.3 7.5 5,964.0 79.2 $99,999 Premium 250,775 7.6 32,598 1.0 199,198 6.0 2,723,773 82.4 Average $346 $305 $355 $457

$100,000 to Exposure 733.0 4.4 105.7 0.6 846.2 5.1 14,609.5 87.7 $124,999 Premium 360,879 4.2 37,625 0.4 355,567 4.1 7,670,325 88.8 Average $492 $356 $420 $525

$125,000 to Exposure 450.9 1.6 70.1 0.2 1,306.6 4.5 26,459.2 91.0 $149,999 Premium 214,088 1.3 27,103 0.2 620,732 3.8 15,164,884 92.3 Average $475 $387 $475 $573

$150,000 to Exposure 477.8 1.1 73.1 0.2 1,990.9 4.8 37,809.4 90.4 $174,999 Premium 238,840 0.9 31,233 0.1 1,021,506 4.1 23,116,198 91.6 Average $500 $427 $513 $611

$175,000 to Exposure 283.3 0.6 47.8 0.1 2,294.8 5.2 39,801.3 89.8 $199,999 Premium 148,723 0.5 21,951 0.1 1,310,114 4.6 25,774,514 91.0 Average $525 $459 $571 $648

$200,000 to Exposure 701.7 0.5 105.2 0.1 6,306.9 4.8 116,043.4 89.1 $299,999 Premium 377,117 0.4 57,995 0.1 4,213,931 4.4 85,591,359 90.2 Average $537 $551 $668 $738

$300,000 to Exposure 218.8 0.4 28.9 0.1 2,059.0 3.9 46,827.8 88.2 $399,999 Premium 121,004 0.3 21,154 0.0 1,813,979 3.8 43,064,705 89.2 Average $553 $732 $881 $920

$400,000 to Exposure 66.6 0.3 6.3 0.0 540.5 2.7 17,522.6 88.0 $499,999 Premium 51,531 0.2 4,546 0.0 630,928 2.9 19,621,893 88.9 Average $774 $727 $1,167 $1,120

$500,000 and Exposure 84.0 0.4 8.8 0.0 306.3 1.5 17,666.7 87.2 Over Premium 78,633 0.2 10,992 0.0 479,401 1.5 28,667,022 87.0 Average $936 $1,244 $1,565 $1,623

Total Exposure 5,706.0 1.5 662.3 0.2 16,738.1 4.5 325,386.9 88.3 Premium 2,304,561 0.8 272,356 0.1 10,802,835 3.8 252,391,465 89.5 Average $404 $411 $645 $776

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Maine Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 8.9 0.5 75.5 4.1 1,833.3 100.0 Under Premium 1,170 0.3 25,673 6.0 429,851 100.0 Average $131 $340 $234

$50,000 to Exposure 8.2 0.2 133.3 3.6 3,676.3 100.0 $74,999 Premium 3,118 0.2 68,036 5.2 1,312,547 100.0 Average $382 $510 $357

$75,000 to Exposure 44.7 0.6 125.6 1.7 7,526.9 100.0 $99,999 Premium 19,081 0.6 81,765 2.5 3,307,190 100.0 Average $427 $651 $439

$100,000 to Exposure 197.5 1.2 157.7 0.9 16,649.5 100.0 $124,999 Premium 97,384 1.1 113,659 1.3 8,635,439 100.0 Average $493 $721 $519

$125,000 to Exposure 668.5 2.3 104.9 0.4 29,060.2 100.0 $149,999 Premium 326,643 2.0 79,582 0.5 16,433,032 100.0 Average $489 $759 $565

$150,000 to Exposure 1,315.4 3.1 155.6 0.4 41,822.2 100.0 $174,999 Premium 688,633 2.7 125,925 0.5 25,222,335 100.0 Average $524 $809 $603

$175,000 to Exposure 1,794.7 4.0 106.0 0.2 44,328.0 100.0 $199,999 Premium 998,763 3.5 84,024 0.3 28,338,089 100.0 Average $557 $793 $639

$200,000 to Exposure 6,835.6 5.2 215.8 0.2 130,208.5 100.0 $299,999 Premium 4,456,706 4.7 208,148 0.2 94,905,256 100.0 Average $652 $965 $729

$300,000 to Exposure 3,898.0 7.3 68.6 0.1 53,101.2 100.0 $399,999 Premium 3,150,801 6.5 87,137 0.2 48,258,780 100.0 Average $808 $1,271 $909

$400,000 to Exposure 1,764.3 8.9 14.9 0.1 19,915.1 100.0 $499,999 Premium 1,743,409 7.9 20,606 0.1 22,072,913 100.0 Average $988 $1,381 $1,108

$500,000 and Exposure 2,176.0 10.7 10.0 0.0 20,251.8 100.0 Over Premium 3,711,895 11.3 14,171 0.0 32,962,114 100.0 Average $1,706 $1,417 $1,628

Total Exposure 18,711.7 5.1 1,167.8 0.3 368,372.8 100.0 Premium 15,197,603 5.4 908,726 0.3 281,877,546 100.0 Average $812 $778 $765

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Maryland Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 302.8 12.6 1,848.1 76.8 196.6 8.2 Under Premium 74,407 31.8 47,880 20.5 * 91,873 39.2 Average $246 $26 $467

$50,000 to Exposure 368.8 24.5 4.1 0.3 68.3 4.5 957.3 63.5 $74,999 Premium 150,414 22.4 1,799 0.3 22,835 3.4 446,382 66.4 Average $408 $441 $334 $466

$75,000 to Exposure 262.3 4.9 2.5 0.0 261.3 4.9 4,658.7 86.5 $99,999 Premium 140,467 5.7 902 0.0 102,820 4.2 2,131,816 86.3 Average $536 $361 $393 $458

$100,000 to Exposure 414.2 1.5 11.3 0.0 917.1 3.2 25,909.3 90.9 $124,999 Premium 365,338 2.4 4,121 0.0 447,286 3.0 13,495,370 90.2 Average $882 $364 $488 $521

$125,000 to Exposure 318.1 0.4 10.3 0.0 1,933.4 2.6 66,005.3 90.3 $149,999 Premium 234,051 0.6 4,718 0.0 1,140,453 2.7 38,503,003 90.6 Average $736 $457 $590 $583

$150,000 to Exposure 380.2 0.3 18.7 0.0 3,395.8 2.9 103,516.3 88.5 $174,999 Premium 315,179 0.4 9,149 0.0 2,236,081 3.0 65,325,620 89.0 Average $829 $490 $658 $631

$175,000 to Exposure 274.1 0.2 20.2 0.0 4,422.7 3.3 118,112.2 87.1 $199,999 Premium 221,131 0.2 11,120 0.0 3,194,114 3.5 79,975,288 87.8 Average $807 $551 $722 $677

$200,000 to Exposure 761.7 0.2 35.5 0.0 14,545.6 3.1 407,242.0 85.4 $299,999 Premium 705,134 0.2 21,588 0.0 12,489,150 3.4 321,413,473 86.3 Average $926 $608 $859 $789

$300,000 to Exposure 259.2 0.1 12.6 0.0 7,214.3 2.7 219,313.8 83.3 $399,999 Premium 229,673 0.1 9,184 0.0 7,721,047 3.1 213,907,585 85.1 Average $886 $730 $1,070 $975

$400,000 to Exposure 109.8 0.1 3.6 0.0 3,384.3 2.8 100,977.6 82.5 $499,999 Premium 122,381 0.1 2,510 0.0 4,396,014 3.1 118,792,799 84.3 Average $1,114 $700 $1,299 $1,176

$500,000 and Exposure 298.8 0.2 4.6 0.0 3,934.8 2.7 114,118.6 78.8 Over Premium 144,628 0.1 5,452 0.0 7,407,972 2.9 195,643,186 77.2 Average $484 $1,190 $1,883 $1,714

Total Exposure 3,749.9 0.3 1,971.4 0.1 40,077.6 2.9 1,161,007.7 84.7 Premium 2,702,803 0.2 118,423 0.0 39,157,960 3.1 1,049,726,395 84.4 Average $721 $60 $977 $904

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Maryland Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 33.3 1.4 24.4 1.0 2,405.3 100.0 Under Premium 10,058 4.3 9,718 4.2 234,124 100.0 Average $302 $398 $97

$50,000 to Exposure 42.3 2.8 67.0 4.4 1,507.8 100.0 $74,999 Premium 23,373 3.5 27,911 4.1 672,714 100.0 Average $552 $417 $446

$75,000 to Exposure 131.0 2.4 70.6 1.3 5,386.3 100.0 $99,999 Premium 63,507 2.6 31,736 1.3 2,471,248 100.0 Average $485 $450 $459

$100,000 to Exposure 1,212.6 4.3 53.7 0.2 28,518.2 100.0 $124,999 Premium 612,015 4.1 32,251 0.2 14,956,381 100.0 Average $505 $601 $524

$125,000 to Exposure 4,784.3 6.5 24.9 0.0 73,076.3 100.0 $149,999 Premium 2,596,278 6.1 18,804 0.0 42,497,307 100.0 Average $543 $755 $582

$150,000 to Exposure 9,605.7 8.2 18.4 0.0 116,935.1 100.0 $174,999 Premium 5,475,801 7.5 15,491 0.0 73,377,321 100.0 Average $570 $841 $628

$175,000 to Exposure 12,788.6 9.4 8.0 0.0 135,625.7 100.0 $199,999 Premium 7,723,302 8.5 8,253 0.0 91,133,208 100.0 Average $604 $1,032 $672

$200,000 to Exposure 54,056.2 11.3 14.3 0.0 476,655.3 100.0 $299,999 Premium 37,727,046 10.1 16,544 0.0 372,372,935 100.0 Average $698 $1,154 $781

$300,000 to Exposure 36,525.8 13.9 3.5 0.0 263,329.2 100.0 $399,999 Premium 29,547,864 11.8 5,983 0.0 251,421,336 100.0 Average $809 $1,709 $955

$400,000 to Exposure 17,874.7 14.6 1.2 0.0 122,351.1 100.0 $499,999 Premium 17,604,977 12.5 2,353 0.0 140,921,034 100.0 Average $985 $2,017 $1,152

$500,000 and Exposure 26,414.0 18.2 1.3 0.0 144,772.0 100.0 Over Premium 50,363,738 19.9 7,231 0.0 253,572,207 100.0 Average $1,907 $5,785 $1,752

Total Exposure 163,468.3 11.9 287.3 0.0 1,370,562.2 100.0 Premium 151,747,959 12.2 176,275 0.0 1,243,629,815 100.0 Average $928 $614 $907

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Massachusetts Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 154.3 9.6 19.0 1.2 1,414.7 87.6 Under Premium 42,581 15.5 * 5,415 2.0 223,075 81.3 Average $276 $285 $158

$50,000 to Exposure 259.3 16.1 4.0 0.2 42.7 2.7 1,279.2 79.6 $74,999 Premium 110,375 16.2 1,112 0.2 15,079 2.2 550,271 80.8 Average $426 $278 $353 $430

$75,000 to Exposure 650.3 24.4 5.0 0.2 82.7 3.1 1,889.1 70.8 $99,999 Premium 398,561 24.9 1,357 0.1 39,006 2.4 1,139,962 71.2 Average $613 $271 $472 $603

$100,000 to Exposure 1,757.3 22.7 5.7 0.1 98.4 1.3 5,784.4 74.7 $124,999 Premium 1,272,332 23.9 2,205 0.0 58,675 1.1 3,931,340 73.9 Average $724 $389 $596 $680

$125,000 to Exposure 3,929.8 20.4 4.0 0.0 215.3 1.1 14,842.5 77.0 $149,999 Premium 3,108,648 21.6 1,496 0.0 140,623 1.0 10,942,443 76.0 Average $791 $374 $653 $737

$150,000 to Exposure 7,449.3 15.9 516.9 1.1 38,278.8 81.6 $174,999 Premium 6,471,930 17.6 * 369,633 1.0 29,430,496 80.0 Average $869 $715 $769

$175,000 to Exposure 10,214.5 12.9 5.0 0.0 1,015.8 1.3 66,806.8 84.2 $199,999 Premium 9,658,194 14.8 2,897 0.0 766,752 1.2 53,996,363 82.6 Average $946 $579 $755 $808

$200,000 to Exposure 45,616.7 8.7 4.9 0.0 8,628.4 1.6 460,644.8 87.6 $299,999 Premium 58,788,740 11.4 4,132 0.0 7,872,127 1.5 441,025,146 85.2 Average $1,289 $840 $912 $957

$300,000 to Exposure 30,219.3 7.0 9.0 0.0 9,495.5 2.2 383,003.8 88.1 $399,999 Premium 52,505,029 10.0 7,533 0.0 10,542,185 2.0 448,881,120 85.5 Average $1,737 $837 $1,110 $1,172

$400,000 to Exposure 18,099.8 7.4 2.0 0.0 6,198.8 2.5 211,915.5 86.9 $499,999 Premium 40,237,203 11.0 2,030 0.0 8,244,391 2.3 306,275,171 84.0 Average $2,223 $1,015 $1,330 $1,445

$500,000 and Exposure 20,336.1 7.2 1.3 0.0 7,137.0 2.5 242,261.9 85.2 Over Premium 65,143,836 10.4 2,835 0.0 13,741,663 2.2 507,255,708 80.7 Average $3,203 $2,126 $1,925 $2,094

Total Exposure 138,686.6 8.4 40.9 0.0 33,450.6 2.0 1,428,121.5 86.7 Premium 237,737,429 11.0 25,597 0.0 41,795,549 1.9 1,803,651,095 83.5 Average $1,714 $626 $1,249 $1,263

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Massachusetts Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 23.1 1.4 3.3 0.2 1,614.4 100.0 Under Premium 3,084 1.1 86 0.0 274,241 100.0 Average $134 $26 $170

$50,000 to Exposure 13.5 0.8 7.5 0.5 1,606.2 100.0 $74,999 Premium 1,956 0.3 2,637 0.4 681,430 100.0 Average $145 $352 $424

$75,000 to Exposure 26.3 1.0 13.6 0.5 2,666.8 100.0 $99,999 Premium 14,059 0.9 7,210 0.5 1,600,155 100.0 Average $536 $531 $600

$100,000 to Exposure 78.9 1.0 16.3 0.2 7,741.0 100.0 $124,999 Premium 48,304 0.9 9,291 0.2 5,322,147 100.0 Average $612 $569 $688

$125,000 to Exposure 265.4 1.4 26.7 0.1 19,283.7 100.0 $149,999 Premium 178,732 1.2 18,337 0.1 14,390,279 100.0 Average $673 $688 $746

$150,000 to Exposure 656.0 1.4 33.0 0.1 46,934.1 100.0 $174,999 Premium 482,025 1.3 27,166 0.1 36,781,250 100.0 Average $735 $823 $784

$175,000 to Exposure 1,234.6 1.6 28.3 0.0 79,305.0 100.0 $199,999 Premium 953,847 1.5 27,927 0.0 65,405,980 100.0 Average $773 $989 $825

$200,000 to Exposure 10,921.8 2.1 144.6 0.0 525,961.1 100.0 $299,999 Premium 9,869,145 1.9 163,611 0.0 517,722,901 100.0 Average $904 $1,132 $984

$300,000 to Exposure 11,677.9 2.7 109.6 0.0 434,515.2 100.0 $399,999 Premium 12,675,658 2.4 149,893 0.0 524,761,418 100.0 Average $1,085 $1,368 $1,208

$400,000 to Exposure 7,666.5 3.1 44.8 0.0 243,927.3 100.0 $499,999 Premium 9,690,814 2.7 69,862 0.0 364,519,471 100.0 Average $1,264 $1,561 $1,494

$500,000 and Exposure 14,553.0 5.1 14.8 0.0 284,304.2 100.0 Over Premium 42,706,973 6.8 28,792 0.0 628,879,807 100.0 Average $2,935 $1,941 $2,212

Total Exposure 47,116.9 2.9 442.4 0.0 1,647,858.9 100.0 Premium 76,624,597 3.5 504,812 0.0 2,160,339,079 100.0 Average $1,626 $1,141 $1,311

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Michigan Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 7,244.4 50.5 231.8 1.6 1,593.5 11.1 4,795.8 33.4 Under Premium 8,385,559 61.2 78,646 0.6 2,002,396 14.6 2,963,649 21.6 Average $1,158 $339 $1,257 $618

$50,000 to Exposure 5,009.0 17.3 459.8 1.6 1,948.1 6.7 21,202.6 73.0 $74,999 Premium 6,956,802 31.5 205,263 0.9 2,323,315 10.5 12,316,248 55.8 Average $1,389 $446 $1,193 $581

$75,000 to Exposure 2,300.1 3.3 171.0 0.2 2,004.1 2.9 63,776.3 91.4 $99,999 Premium 3,616,544 7.9 93,300 0.2 2,626,525 5.7 38,773,419 84.5 Average $1,572 $546 $1,311 $608

$100,000 to Exposure 1,911.3 1.2 78.4 0.1 2,952.6 1.9 143,266.8 93.5 $124,999 Premium 2,878,347 2.8 43,292 0.0 3,420,114 3.3 92,610,493 90.5 Average $1,506 $552 $1,158 $646

$125,000 to Exposure 678.1 0.3 33.7 0.0 3,972.9 1.7 213,520.3 92.9 $149,999 Premium 1,006,472 0.6 23,321 0.0 3,646,754 2.3 144,927,419 91.5 Average $1,484 $693 $918 $679

$150,000 to Exposure 580.9 0.2 36.7 0.0 5,814.1 2.1 253,800.8 91.4 $174,999 Premium 869,808 0.4 28,695 0.0 4,780,871 2.4 180,652,660 90.4 Average $1,497 $783 $822 $712

$175,000 to Exposure 273.2 0.1 14.5 0.0 6,480.3 2.4 245,715.0 90.4 $199,999 Premium 437,087 0.2 14,633 0.0 5,155,642 2.5 181,855,771 89.5 Average $1,600 $1,009 $796 $740

$200,000 to Exposure 533.3 0.1 21.8 0.0 19,009.9 2.6 639,296.9 88.5 $299,999 Premium 979,255 0.2 16,204 0.0 16,554,562 2.8 521,263,949 87.4 Average $1,836 $745 $871 $815

$300,000 to Exposure 123.3 0.0 2.6 0.0 7,411.8 2.6 252,854.6 87.9 $399,999 Premium 274,047 0.1 1,747 0.0 7,557,195 2.7 246,461,849 86.8 Average $2,222 $676 $1,020 $975

$400,000 to Exposure 41.5 0.0 2.0 0.0 2,445.7 2.4 89,576.6 87.9 $499,999 Premium 131,463 0.1 2,004 0.0 2,959,171 2.4 105,901,383 87.2 Average $3,168 $1,002 $1,210 $1,182

$500,000 and Exposure 125.7 0.1 2.0 0.0 2,132.4 2.2 85,357.5 86.5 Over Premium 183,588 0.1 4,225 0.0 3,831,671 2.0 162,050,219 83.7 Average $1,461 $2,113 $1,797 $1,898

Total Exposure 18,820.8 0.8 1,054.1 0.0 55,765.3 2.5 2,013,163.1 89.2 Premium 25,718,972 1.3 511,330 0.0 54,858,216 2.8 1,689,777,059 87.1 Average $1,367 $485 $984 $839

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Michigan Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 75.4 0.5 405.8 2.8 14,346.6 100.0 Under Premium 13,117 0.1 252,636 1.8 13,696,003 100.0 Average $174 $623 $955

$50,000 to Exposure 143.4 0.5 266.0 0.9 29,028.8 100.0 $74,999 Premium 62,585 0.3 201,837 0.9 22,066,050 100.0 Average $436 $759 $760

$75,000 to Exposure 1,287.7 1.8 215.5 0.3 69,754.7 100.0 $99,999 Premium 579,871 1.3 185,076 0.4 45,874,735 100.0 Average $450 $859 $658

$100,000 to Exposure 4,937.3 3.2 114.5 0.1 153,261.0 100.0 $124,999 Premium 3,289,877 3.2 105,487 0.1 102,347,610 100.0 Average $666 $921 $668

$125,000 to Exposure 11,655.2 5.1 54.7 0.0 229,914.8 100.0 $149,999 Premium 8,717,311 5.5 44,945 0.0 158,366,222 100.0 Average $748 $822 $689

$150,000 to Exposure 17,396.1 6.3 23.1 0.0 277,651.6 100.0 $174,999 Premium 13,572,494 6.8 22,395 0.0 199,926,923 100.0 Average $780 $970 $720

$175,000 to Exposure 19,282.9 7.1 13.7 0.0 271,779.5 100.0 $199,999 Premium 15,721,151 7.7 13,116 0.0 203,197,400 100.0 Average $815 $960 $748

$200,000 to Exposure 63,542.8 8.8 17.1 0.0 722,421.8 100.0 $299,999 Premium 57,831,936 9.7 22,302 0.0 596,668,208 100.0 Average $910 $1,305 $826

$300,000 to Exposure 27,237.5 9.5 4.8 0.0 287,634.5 100.0 $399,999 Premium 29,548,264 10.4 3,272 0.0 283,846,374 100.0 Average $1,085 $689 $987

$400,000 to Exposure 9,841.7 9.7 1.0 0.0 101,908.4 100.0 $499,999 Premium 12,406,699 10.2 2,412 0.0 121,403,132 100.0 Average $1,261 $2,412 $1,191

$500,000 and Exposure 11,093.4 11.2 98,711.0 100.0 Over Premium 27,508,711 14.2 * 193,578,414 100.0 Average $2,480 $1,961

Total Exposure 166,493.4 7.4 1,116.0 0.0 2,256,412.6 100.0 Premium 169,252,016 8.7 853,478 0.0 1,940,971,071 100.0 Average $1,017 $765 $860

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Minnesota Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 674.7 5.1 261.1 2.0 612.2 4.7 9,886.5 75.4 Under Premium 281,225 10.8 25,933 1.0 266,973 10.2 1,806,770 69.1 Average $417 $99 $436 $183

$50,000 to Exposure 829.3 7.4 63.3 0.6 526.1 4.7 8,425.0 75.4 $74,999 Premium 433,093 7.0 32,342 0.5 295,973 4.8 5,026,968 81.8 Average $522 $511 $563 $597

$75,000 to Exposure 741.7 3.1 66.6 0.3 642.3 2.7 20,458.8 85.4 $99,999 Premium 465,729 2.9 38,269 0.2 412,174 2.6 14,089,834 87.5 Average $628 $575 $642 $689

$100,000 to Exposure 987.2 2.0 78.7 0.2 889.3 1.8 42,320.3 83.7 $124,999 Premium 827,656 2.1 48,181 0.1 676,078 1.7 33,196,928 85.5 Average $838 $612 $760 $784

$125,000 to Exposure 638.6 0.7 52.8 0.1 1,019.0 1.2 68,624.6 80.2 $149,999 Premium 542,511 0.7 39,096 0.1 854,147 1.2 59,801,299 82.4 Average $850 $741 $838 $871

$150,000 to Exposure 744.3 0.6 19.5 0.0 1,383.6 1.1 96,733.1 76.1 $174,999 Premium 741,361 0.6 17,126 0.0 1,286,939 1.1 92,525,315 78.6 Average $996 $878 $930 $957

$175,000 to Exposure 371.3 0.2 14.8 0.0 2,027.8 1.4 108,434.6 72.8 $199,999 Premium 414,315 0.3 15,895 0.0 2,089,067 1.4 112,752,303 75.4 Average $1,116 $1,078 $1,030 $1,040

$200,000 to Exposure 837.2 0.2 35.7 0.0 10,593.1 2.1 347,702.7 69.8 $299,999 Premium 982,488 0.2 34,714 0.0 13,809,013 2.4 414,716,628 72.0 Average $1,174 $973 $1,304 $1,193

$300,000 to Exposure 206.5 0.1 14.0 0.0 5,796.5 2.7 152,640.0 70.0 $399,999 Premium 317,684 0.1 16,621 0.0 10,151,714 3.3 219,471,084 71.8 Average $1,538 $1,187 $1,751 $1,438

$400,000 to Exposure 69.3 0.1 5.3 0.0 2,441.0 2.9 57,865.0 68.4 $499,999 Premium 141,906 0.1 8,759 0.0 5,318,029 3.8 99,191,996 70.2 Average $2,049 $1,668 $2,179 $1,714

$500,000 and Exposure 61.8 0.1 2,499.0 3.2 51,009.3 66.3 Over Premium 77,536 0.0 * 8,576,775 4.6 125,210,660 67.6 Average $1,254 $3,432 $2,455

Total Exposure 6,161.7 0.5 611.5 0.0 28,429.9 2.1 964,099.8 72.0 Premium 5,225,504 0.3 276,936 0.0 43,736,882 2.7 1,177,789,785 73.1 Average $848 $453 $1,538 $1,222

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Minnesota Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 33.0 0.3 1,637.6 12.5 13,105.0 100.0 Under Premium 10,060 0.4 223,907 8.6 2,614,868 100.0 Average $305 $137 $200

$50,000 to Exposure 278.4 2.5 1,044.5 9.4 11,166.6 100.0 $74,999 Premium 140,096 2.3 218,087 3.5 6,146,559 100.0 Average $503 $209 $550

$75,000 to Exposure 1,516.3 6.3 527.3 2.2 23,952.8 100.0 $99,999 Premium 909,025 5.6 191,584 1.2 16,106,615 100.0 Average $600 $363 $672

$100,000 to Exposure 5,812.5 11.5 451.0 0.9 50,538.9 100.0 $124,999 Premium 3,883,312 10.0 211,020 0.5 38,843,175 100.0 Average $668 $468 $769

$125,000 to Exposure 14,984.3 17.5 276.6 0.3 85,595.8 100.0 $149,999 Premium 11,173,885 15.4 182,370 0.3 72,593,308 100.0 Average $746 $659 $848

$150,000 to Exposure 27,924.5 22.0 281.9 0.2 127,086.8 100.0 $174,999 Premium 22,898,967 19.5 224,809 0.2 117,694,517 100.0 Average $820 $797 $926

$175,000 to Exposure 37,880.8 25.4 187.8 0.1 148,917.1 100.0 $199,999 Premium 34,060,692 22.8 179,153 0.1 149,511,425 100.0 Average $899 $954 $1,004

$200,000 to Exposure 138,684.7 27.8 280.0 0.1 498,133.3 100.0 $299,999 Premium 146,194,475 25.4 344,472 0.1 576,081,790 100.0 Average $1,054 $1,230 $1,156

$300,000 to Exposure 59,426.5 27.2 64.9 0.0 218,148.4 100.0 $399,999 Premium 75,506,479 24.7 115,111 0.0 305,578,693 100.0 Average $1,271 $1,773 $1,401

$400,000 to Exposure 24,226.0 28.6 7.6 0.0 84,614.1 100.0 $499,999 Premium 36,682,414 25.9 23,613 0.0 141,366,717 100.0 Average $1,514 $3,114 $1,671

$500,000 and Exposure 23,358.8 30.4 2.6 0.0 76,931.5 100.0 Over Premium 51,448,927 27.8 7,876 0.0 185,321,774 100.0 Average $2,203 $3,049 $2,409

Total Exposure 334,125.7 25.0 4,761.8 0.4 1,338,190.3 100.0 Premium 382,908,332 23.8 1,922,002 0.1 1,611,859,441 100.0 Average $1,146 $404 $1,205

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Mississippi Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 16,091.8 75.6 135.8 0.6 293.7 1.4 2,577.5 12.1 Under Premium 7,872,385 74.0 93,076 0.9 177,398 1.7 1,603,772 15.1 Average $489 $685 $604 $622

$50,000 to Exposure 7,764.3 28.0 325.8 1.2 1,363.1 4.9 15,015.8 54.2 $74,999 Premium 8,181,118 35.0 299,260 1.3 1,059,023 4.5 11,523,020 49.3 Average $1,054 $919 $777 $767

$75,000 to Exposure 3,901.7 8.4 161.8 0.3 1,088.6 2.3 38,353.9 82.4 $99,999 Premium 8,474,945 17.2 194,007 0.4 1,085,798 2.2 36,774,558 74.6 Average $2,172 $1,199 $997 $959

$100,000 to Exposure 2,213.8 3.7 58.6 0.1 1,098.3 1.8 54,577.9 90.4 $124,999 Premium 11,134,553 14.7 85,521 0.1 1,273,940 1.7 60,736,320 80.1 Average $5,030 $1,460 $1,160 $1,113

$125,000 to Exposure 917.8 1.5 8.4 0.0 1,318.4 2.1 58,416.7 93.9 $149,999 Premium 9,867,445 11.6 14,260 0.0 1,507,792 1.8 71,556,306 84.4 Average $10,751 $1,694 $1,144 $1,225

$150,000 to Exposure 584.3 1.0 1,644.8 2.7 56,311.8 93.9 $174,999 Premium 9,934,865 11.4 * 2,055,040 2.4 73,281,041 84.2 Average $17,004 $1,249 $1,301

$175,000 to Exposure 252.8 0.5 1,692.6 3.5 46,011.7 94.4 $199,999 Premium 7,255,629 9.8 * 2,221,443 3.0 63,506,733 85.8 Average $28,707 $1,312 $1,380

$200,000 to Exposure 397.5 0.4 3,878.2 4.0 91,440.8 93.5 $299,999 Premium 17,210,541 10.1 * 5,998,659 3.5 143,945,632 84.4 Average $43,297 $1,547 $1,574

$300,000 to Exposure 32.0 0.1 1,419.0 4.9 26,474.1 92.2 $399,999 Premium 6,250,609 10.1 * 2,857,808 4.6 51,553,327 82.9 Average $195,332 $2,014 $1,947

$400,000 to Exposure 13.0 0.1 627.3 5.7 10,026.8 91.7 $499,999 Premium 2,742,941 9.7 * 1,596,446 5.6 23,367,246 82.4 Average $210,995 $2,545 $2,330

$500,000 and Exposure 11.2 0.1 818.6 7.8 9,495.3 90.3 Over Premium 3,175,041 8.1 * 2,952,196 7.6 32,238,118 82.7 Average $284,332 $3,606 $3,395

Total Exposure 32,180.0 6.8 690.4 0.1 15,242.4 3.2 408,702.3 86.1 Premium 92,100,072 13.1 686,124 0.1 22,785,543 3.2 570,086,073 80.9 Average $2,862 $994 $1,495 $1,395

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Mississippi Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 6.3 0.0 2,177.9 10.2 21,283.0 100.0 Under Premium 2,474 0.0 896,215 8.4 10,645,320 100.0 Average $391 $412 $500

$50,000 to Exposure 7.9 0.0 3,216.3 11.6 27,693.2 100.0 $74,999 Premium 3,770 0.0 2,324,834 9.9 23,391,025 100.0 Average $476 $723 $845

$75,000 to Exposure 4.8 0.0 3,023.7 6.5 46,534.4 100.0 $99,999 Premium 3,715 0.0 2,790,409 5.7 49,323,432 100.0 Average $782 $923 $1,060

$100,000 to Exposure 79.1 0.1 2,340.2 3.9 60,367.8 100.0 $124,999 Premium 81,818 0.1 2,486,477 3.3 75,798,629 100.0 Average $1,035 $1,063 $1,256

$125,000 to Exposure 202.2 0.3 1,351.9 2.2 62,215.4 100.0 $149,999 Premium 228,520 0.3 1,586,576 1.9 84,760,899 100.0 Average $1,130 $1,174 $1,362

$150,000 to Exposure 447.2 0.7 1,000.3 1.7 59,988.3 100.0 $174,999 Premium 519,227 0.6 1,242,660 1.4 87,032,833 100.0 Average $1,161 $1,242 $1,451

$175,000 to Exposure 607.6 1.2 175.5 0.4 48,740.1 100.0 $199,999 Premium 754,220 1.0 306,079 0.4 74,044,104 100.0 Average $1,241 $1,744 $1,519

$200,000 to Exposure 1,823.2 1.9 291.8 0.3 97,831.4 100.0 $299,999 Premium 2,762,550 1.6 594,192 0.3 170,511,574 100.0 Average $1,515 $2,037 $1,743

$300,000 to Exposure 745.5 2.6 35.8 0.1 28,706.4 100.0 $399,999 Premium 1,437,106 2.3 82,483 0.1 62,181,333 100.0 Average $1,928 $2,302 $2,166

$400,000 to Exposure 259.3 2.4 8.3 0.1 10,934.6 100.0 $499,999 Premium 641,309 2.3 22,847 0.1 28,370,789 100.0 Average $2,474 $2,769 $2,595

$500,000 and Exposure 188.1 1.8 6.2 0.1 10,519.3 100.0 Over Premium 617,283 1.6 22,659 0.1 39,005,297 100.0 Average $3,282 $3,674 $3,708

Total Exposure 4,371.0 0.9 13,627.8 2.9 474,813.9 100.0 Premium 7,051,992 1.0 12,355,431 1.8 705,065,235 100.0 Average $1,613 $907 $1,485

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Missouri Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 6,210.8 55.8 8.5 0.1 91.3 0.8 2,908.3 26.1 Under Premium 1,805,771 33.9 4,353 0.1 52,350 1.0 2,206,221 41.4 Average $291 $512 $573 $759

$50,000 to Exposure 4,013.4 16.4 28.0 0.1 615.9 2.5 14,119.5 57.9 $74,999 Premium 1,778,360 10.0 16,644 0.1 422,368 2.4 11,069,240 61.9 Average $443 $594 $686 $784

$75,000 to Exposure 2,186.5 4.0 25.0 0.0 945.8 1.7 41,606.3 76.7 $99,999 Premium 1,327,575 3.0 18,199 0.0 741,883 1.7 33,534,472 76.8 Average $607 $728 $784 $806

$100,000 to Exposure 1,510.5 1.5 31.3 0.0 1,069.3 1.0 80,344.9 77.8 $124,999 Premium 1,247,074 1.4 27,483 0.0 935,734 1.0 69,273,687 77.3 Average $826 $879 $875 $862

$125,000 to Exposure 659.8 0.4 17.2 0.0 1,255.0 0.8 114,232.0 75.8 $149,999 Premium 573,918 0.4 15,767 0.0 1,164,310 0.8 104,795,382 75.7 Average $870 $918 $928 $917

$150,000 to Exposure 499.3 0.3 4.3 0.0 1,655.5 1.0 126,956.5 74.5 $174,999 Premium 547,198 0.3 5,523 0.0 1,659,842 1.0 124,866,285 74.6 Average $1,096 $1,300 $1,003 $984

$175,000 to Exposure 256.6 0.2 6.0 0.0 1,960.6 1.3 115,528.3 74.4 $199,999 Premium 303,245 0.2 8,376 0.0 2,066,021 1.3 120,964,436 74.7 Average $1,182 $1,396 $1,054 $1,047

$200,000 to Exposure 427.6 0.1 8.2 0.0 5,648.5 1.5 285,586.8 74.7 $299,999 Premium 626,473 0.1 11,214 0.0 6,955,476 1.6 333,295,087 75.0 Average $1,465 $1,373 $1,231 $1,167

$300,000 to Exposure 112.2 0.1 1.0 0.0 2,190.0 1.5 110,201.8 76.0 $399,999 Premium 202,384 0.1 1,109 0.0 3,353,704 1.7 151,799,448 76.1 Average $1,804 $1,109 $1,531 $1,377

$400,000 to Exposure 27.0 0.1 2.0 0.0 753.4 1.4 39,019.8 74.8 $499,999 Premium 67,981 0.1 2,603 0.0 1,378,310 1.6 64,342,098 75.0 Average $2,518 $1,302 $1,829 $1,649

$500,000 and Exposure 21.6 0.0 700.8 1.3 36,683.4 67.5 Over Premium 59,460 0.0 * 2,074,259 1.5 89,278,255 65.6 Average $2,755 $2,960 $2,434

Total Exposure 15,925.3 1.2 131.3 0.0 16,886.3 1.3 967,187.6 74.2 Premium 8,539,439 0.6 111,271 0.0 20,804,257 1.4 1,105,424,611 74.2 Average $536 $847 $1,232 $1,143

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Missouri Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 13.6 0.1 1,904.3 17.1 11,136.9 100.0 Under Premium 6,598 0.1 1,247,980 23.4 5,323,273 100.0 Average $486 $655 $478

$50,000 to Exposure 238.4 1.0 5,388.3 22.1 24,403.5 100.0 $74,999 Premium 154,590 0.9 4,429,684 24.8 17,870,886 100.0 Average $648 $822 $732

$75,000 to Exposure 4,433.9 8.2 5,035.1 9.3 54,232.6 100.0 $99,999 Premium 3,353,462 7.7 4,686,765 10.7 43,662,356 100.0 Average $756 $931 $805

$100,000 to Exposure 16,824.5 16.3 3,433.7 3.3 103,214.2 100.0 $124,999 Premium 14,605,351 16.3 3,517,132 3.9 89,606,461 100.0 Average $868 $1,024 $868

$125,000 to Exposure 32,580.6 21.6 1,968.6 1.3 150,713.2 100.0 $149,999 Premium 29,784,081 21.5 2,146,941 1.6 138,480,399 100.0 Average $914 $1,091 $919

$150,000 to Exposure 39,896.4 23.4 1,409.8 0.8 170,421.7 100.0 $174,999 Premium 38,605,895 23.1 1,654,141 1.0 167,338,884 100.0 Average $968 $1,173 $982

$175,000 to Exposure 36,856.9 23.7 748.6 0.5 155,356.9 100.0 $199,999 Premium 37,625,507 23.2 963,060 0.6 161,930,645 100.0 Average $1,021 $1,287 $1,042

$200,000 to Exposure 89,642.0 23.4 1,232.8 0.3 382,545.8 100.0 $299,999 Premium 101,749,726 22.9 1,782,706 0.4 444,420,682 100.0 Average $1,135 $1,446 $1,162

$300,000 to Exposure 32,190.6 22.2 266.8 0.2 144,962.4 100.0 $399,999 Premium 43,541,369 21.8 464,012 0.2 199,362,026 100.0 Average $1,353 $1,739 $1,375

$400,000 to Exposure 12,343.4 23.6 54.2 0.1 52,199.8 100.0 $499,999 Premium 19,857,535 23.2 90,815 0.1 85,739,342 100.0 Average $1,609 $1,677 $1,643

$500,000 and Exposure 16,899.8 31.1 38.8 0.1 54,344.4 100.0 Over Premium 44,625,513 32.8 126,115 0.1 136,163,602 100.0 Average $2,641 $3,248 $2,506

Total Exposure 281,920.1 21.6 21,480.9 1.6 1,303,531.4 100.0 Premium 333,909,627 22.4 21,109,351 1.4 1,489,898,556 100.0 Average $1,184 $983 $1,143

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Montana Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 578.1 51.9 11.0 1.0 7.0 0.6 415.8 37.3 Under Premium 147,975 42.1 4,801 1.4 2,610 0.7 177,431 50.5 Average $256 $436 $373 $427

$50,000 to Exposure 516.8 21.7 8.0 0.3 21.7 0.9 1,682.3 70.7 $74,999 Premium 163,530 14.7 3,979 0.4 8,741 0.8 875,799 78.5 Average $316 $497 $403 $521

$75,000 to Exposure 440.6 6.1 9.2 0.1 67.8 0.9 6,270.8 86.8 $99,999 Premium 181,642 4.2 5,685 0.1 28,922 0.7 3,809,197 88.1 Average $412 $620 $426 $607

$100,000 to Exposure 402.4 2.5 9.0 0.1 158.8 1.0 14,228.0 89.6 $124,999 Premium 217,007 2.0 4,928 0.0 87,059 0.8 9,581,040 88.9 Average $539 $548 $548 $673

$125,000 to Exposure 235.3 1.0 1.5 0.0 286.4 1.2 21,414.4 88.8 $149,999 Premium 152,192 0.8 800 0.0 179,491 1.0 15,691,750 87.1 Average $647 $533 $627 $733

$150,000 to Exposure 187.1 0.7 3.0 0.0 366.9 1.3 25,073.8 88.0 $174,999 Premium 132,038 0.6 2,574 0.0 261,973 1.1 19,630,123 85.5 Average $706 $858 $714 $783

$175,000 to Exposure 91.3 0.3 0.2 0.0 356.5 1.4 23,033.3 88.0 $199,999 Premium 72,495 0.3 103 0.0 274,936 1.2 19,043,409 85.4 Average $794 $618 $771 $827

$200,000 to Exposure 193.4 0.3 3.9 0.0 827.0 1.4 53,892.4 88.6 $299,999 Premium 180,154 0.3 2,117 0.0 731,944 1.2 51,141,090 86.1 Average $931 $541 $885 $949

$300,000 to Exposure 34.5 0.2 1.0 0.0 237.9 1.2 17,655.1 89.4 $399,999 Premium 67,406 0.3 843 0.0 264,066 1.1 20,791,388 87.2 Average $1,954 $843 $1,110 $1,178

$400,000 to Exposure 22.4 0.3 74.3 1.1 6,121.2 88.7 $499,999 Premium 30,403 0.3 * 99,659 1.0 8,971,686 87.6 Average $1,356 $1,342 $1,466

$500,000 and Exposure 16.7 0.2 76.6 0.9 7,103.4 87.2 Over Premium 13,354 0.1 * 142,157 0.7 16,202,869 84.9 Average $801 $1,856 $2,281

Total Exposure 2,718.6 1.4 46.8 0.0 2,480.9 1.2 176,890.4 88.0 Premium 1,358,196 0.7 25,830 0.0 2,081,558 1.1 165,915,782 86.2 Average $500 $553 $839 $938

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Montana Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 3.4 0.3 97.9 8.8 1,113.2 100.0 Under Premium 284 0.1 18,210 5.2 351,311 100.0 Average $83 $186 $316

$50,000 to Exposure 15.0 0.6 134.7 5.7 2,378.4 100.0 $74,999 Premium 6,845 0.6 56,273 5.0 1,115,167 100.0 Average $456 $418 $469

$75,000 to Exposure 327.8 4.5 104.3 1.4 7,220.6 100.0 $99,999 Premium 235,299 5.4 62,698 1.5 4,323,443 100.0 Average $718 $601 $599

$100,000 to Exposure 989.6 6.2 84.4 0.5 15,872.3 100.0 $124,999 Premium 824,694 7.6 66,555 0.6 10,781,283 100.0 Average $833 $788 $679

$125,000 to Exposure 2,108.5 8.7 68.9 0.3 24,115.1 100.0 $149,999 Premium 1,930,352 10.7 63,027 0.3 18,017,612 100.0 Average $916 $915 $747

$150,000 to Exposure 2,808.7 9.9 52.3 0.2 28,491.7 100.0 $174,999 Premium 2,869,390 12.5 52,109 0.2 22,948,207 100.0 Average $1,022 $997 $805

$175,000 to Exposure 2,645.3 10.1 38.1 0.1 26,164.6 100.0 $199,999 Premium 2,862,371 12.8 42,960 0.2 22,296,274 100.0 Average $1,082 $1,128 $852

$200,000 to Exposure 5,833.3 9.6 45.9 0.1 60,795.9 100.0 $299,999 Premium 7,269,804 12.2 66,349 0.1 59,391,458 100.0 Average $1,246 $1,445 $977

$300,000 to Exposure 1,801.2 9.1 14.8 0.1 19,744.5 100.0 $399,999 Premium 2,691,758 11.3 23,090 0.1 23,838,551 100.0 Average $1,494 $1,557 $1,207

$400,000 to Exposure 680.6 9.9 4.0 0.1 6,902.4 100.0 $499,999 Premium 1,133,711 11.1 7,458 0.1 10,242,917 100.0 Average $1,666 $1,865 $1,484

$500,000 and Exposure 947.1 11.6 8,143.8 100.0 Over Premium 2,715,640 14.2 * 19,074,020 100.0 Average $2,867 $2,342

Total Exposure 18,160.3 9.0 645.3 0.3 200,942.3 100.0 Premium 22,540,148 11.7 458,729 0.2 192,380,243 100.0 Average $1,241 $711 $957

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Nebraska Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 1,245.8 25.2 101.5 2.1 850.4 17.2 2,391.4 48.3 Under Premium 343,253 12.4 30,511 1.1 555,531 20.1 1,652,138 59.9 Average $276 $301 $653 $691

$50,000 to Exposure 860.4 8.8 78.7 0.8 2,117.5 21.5 6,173.1 62.8 $74,999 Premium 428,037 6.1 45,386 0.6 1,471,545 21.0 4,571,603 65.3 Average $497 $577 $695 $741

$75,000 to Exposure 622.6 2.5 45.3 0.2 2,699.5 11.0 19,242.9 78.4 $99,999 Premium 467,641 2.3 29,104 0.1 2,112,937 10.3 16,222,297 79.2 Average $751 $643 $783 $843

$100,000 to Exposure 426.5 0.9 23.4 0.0 2,751.8 5.5 40,612.7 81.6 $124,999 Premium 424,980 0.9 17,859 0.0 2,269,150 5.0 37,502,081 82.0 Average $996 $763 $825 $923

$125,000 to Exposure 200.8 0.3 6.1 0.0 2,652.8 3.7 57,460.0 79.9 $149,999 Premium 271,292 0.4 5,143 0.0 2,256,367 3.2 56,009,445 80.3 Average $1,351 $845 $851 $975

$150,000 to Exposure 143.7 0.2 9.0 0.0 2,649.4 3.7 57,055.8 78.9 $174,999 Premium 182,985 0.2 9,843 0.0 2,365,461 3.2 59,059,050 79.6 Average $1,274 $1,094 $893 $1,035

$175,000 to Exposure 95.5 0.2 1.2 0.0 1,985.0 3.6 42,759.9 78.1 $199,999 Premium 114,046 0.2 889 0.0 1,822,763 3.0 47,769,925 79.5 Average $1,194 $762 $918 $1,117

$200,000 to Exposure 212.6 0.2 3.0 0.0 3,878.8 3.5 85,285.3 77.8 $299,999 Premium 198,228 0.1 2,808 0.0 4,070,685 3.0 108,122,561 79.4 Average $932 $936 $1,049 $1,268

$300,000 to Exposure 77.5 0.2 935.0 3.0 24,324.2 77.0 $399,999 Premium 90,655 0.2 * 1,223,002 2.5 38,392,354 79.2 Average $1,170 $1,308 $1,578

$400,000 to Exposure 37.7 0.4 297.7 3.0 7,304.8 74.5 $499,999 Premium 18,526 0.1 * 524,893 2.9 14,067,047 77.0 Average $492 $1,763 $1,926

$500,000 and Exposure 34.6 0.4 308.6 3.4 6,392.3 70.8 Over Premium 34,846 0.1 * 972,915 3.8 18,170,482 70.2 Average $1,008 $3,153 $2,843

Total Exposure 3,957.6 0.9 267.9 0.1 21,126.5 4.7 349,002.3 77.9 Premium 2,574,489 0.5 141,332 0.0 19,645,249 3.9 401,538,983 78.9 Average $651 $528 $930 $1,151

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Nebraska Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 10.2 0.2 350.8 7.1 4,950.1 100.0 Under Premium 2,037 0.1 176,791 6.4 2,760,261 100.0 Average $200 $504 $558

$50,000 to Exposure 89.8 0.9 511.5 5.2 9,830.9 100.0 $74,999 Premium 57,465 0.8 428,217 6.1 7,002,253 100.0 Average $640 $837 $712

$75,000 to Exposure 1,562.3 6.4 371.4 1.5 24,544.0 100.0 $99,999 Premium 1,270,364 6.2 379,186 1.9 20,481,529 100.0 Average $813 $1,021 $834

$100,000 to Exposure 5,658.0 11.4 323.9 0.7 49,796.3 100.0 $124,999 Premium 5,162,631 11.3 365,117 0.8 45,741,818 100.0 Average $912 $1,127 $919

$125,000 to Exposure 11,385.3 15.8 192.3 0.3 71,897.3 100.0 $149,999 Premium 10,952,968 15.7 240,427 0.3 69,735,642 100.0 Average $962 $1,251 $970

$150,000 to Exposure 12,367.5 17.1 130.2 0.2 72,355.6 100.0 $174,999 Premium 12,379,739 16.7 183,062 0.2 74,180,140 100.0 Average $1,001 $1,406 $1,025

$175,000 to Exposure 9,871.3 18.0 52.8 0.1 54,765.7 100.0 $199,999 Premium 10,281,116 17.1 80,302 0.1 60,069,041 100.0 Average $1,042 $1,522 $1,097

$200,000 to Exposure 20,102.0 18.3 90.5 0.1 109,572.2 100.0 $299,999 Premium 23,615,265 17.3 170,911 0.1 136,180,458 100.0 Average $1,175 $1,889 $1,243

$300,000 to Exposure 6,227.3 19.7 12.0 0.0 31,575.8 100.0 $399,999 Premium 8,768,553 18.1 31,007 0.1 48,505,360 100.0 Average $1,408 $2,584 $1,536

$400,000 to Exposure 2,163.3 22.1 2.0 0.0 9,805.3 100.0 $499,999 Premium 3,665,864 20.1 3,996 0.0 18,280,326 100.0 Average $1,695 $1,998 $1,864

$500,000 and Exposure 2,292.0 25.4 1.0 0.0 9,028.4 100.0 Over Premium 6,709,360 25.9 2,068 0.0 25,889,671 100.0 Average $2,927 $2,068 $2,868

Total Exposure 71,728.8 16.0 2,038.3 0.5 448,121.4 100.0 Premium 82,865,362 16.3 2,061,084 0.4 508,826,499 100.0 Average $1,155 $1,011 $1,135

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Nevada Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 1,448.1 42.1 3.0 0.1 130.6 3.8 Under Premium 350,033 44.0 934 0.1 * 40,351 5.1 Average $242 $311 $309

$50,000 to Exposure 143.1 12.2 3.0 0.3 1.0 0.1 477.8 40.8 $74,999 Premium 70,417 14.8 1,219 0.3 240 0.1 188,688 39.7 Average $492 $406 $240 $395

$75,000 to Exposure 133.3 3.8 3.0 0.1 2,980.7 84.4 $99,999 Premium 54,938 3.7 * 996 0.1 1,230,792 83.6 Average $412 $332 $413

$100,000 to Exposure 198.3 1.6 3.0 0.0 38.3 0.3 11,485.3 91.5 $124,999 Premium 109,795 1.9 1,122 0.0 15,313 0.3 5,169,310 90.7 Average $554 $374 $400 $450

$125,000 to Exposure 160.2 0.5 1.0 0.0 110.2 0.4 26,625.9 89.2 $149,999 Premium 91,794 0.6 769 0.0 53,189 0.4 12,731,484 89.0 Average $573 $769 $483 $478

$150,000 to Exposure 159.5 0.3 282.0 0.5 44,734.3 81.5 $174,999 Premium 88,240 0.3 * 155,854 0.6 22,735,606 81.6 Average $553 $553 $508

$175,000 to Exposure 146.0 0.2 434.3 0.6 52,723.0 77.2 $199,999 Premium 96,051 0.3 * 252,366 0.7 28,214,603 77.1 Average $658 $581 $535

$200,000 to Exposure 337.3 0.2 2,148.9 1.0 159,956.5 75.5 $299,999 Premium 177,967 0.1 * 1,512,636 1.1 99,178,964 75.2 Average $528 $704 $620

$300,000 to Exposure 85.8 0.1 0.5 0.0 892.1 1.1 63,281.1 75.7 $399,999 Premium 59,090 0.1 376 0.0 782,505 1.2 49,242,910 75.0 Average $689 $752 $877 $778

$400,000 to Exposure 46.2 0.1 297.8 0.9 24,150.1 75.1 $499,999 Premium 41,497 0.1 * 343,129 1.1 23,352,242 74.4 Average $899 $1,152 $967

$500,000 and Exposure 43.0 0.1 313.5 0.9 26,847.7 75.5 Over Premium 67,425 0.1 * 637,597 1.1 41,810,710 72.3 Average $1,568 $2,034 $1,557

Total Exposure 2,900.6 0.5 10.2 0.0 4,521.1 0.8 413,392.8 77.0 Premium 1,207,247 0.3 4,052 0.0 3,754,064 1.0 283,895,660 75.9 Average $416 $399 $830 $687

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Nevada Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 23.9 0.7 1,832.8 53.3 3,438.3 100.0 Under Premium 4,382 0.6 398,949 50.2 794,888 100.0 Average $183 $218 $231

$50,000 to Exposure 14.0 1.2 531.3 45.4 1,170.1 100.0 $74,999 Premium 1,881 0.4 213,373 44.8 475,818 100.0 Average $134 $402 $407

$75,000 to Exposure 99.8 2.8 315.3 8.9 3,532.2 100.0 $99,999 Premium 38,672 2.6 146,978 10.0 1,472,376 100.0 Average $387 $466 $417

$100,000 to Exposure 674.2 5.4 154.3 1.2 12,553.3 100.0 $124,999 Premium 311,898 5.5 90,010 1.6 5,697,448 100.0 Average $463 $583 $454

$125,000 to Exposure 2,858.9 9.6 92.1 0.3 29,848.3 100.0 $149,999 Premium 1,374,580 9.6 60,178 0.4 14,311,994 100.0 Average $481 $654 $479

$150,000 to Exposure 9,619.0 17.5 121.8 0.2 54,916.6 100.0 $174,999 Premium 4,784,654 17.2 98,511 0.4 27,862,865 100.0 Average $497 $809 $507

$175,000 to Exposure 14,906.9 21.8 80.8 0.1 68,291.0 100.0 $199,999 Premium 7,941,208 21.7 70,103 0.2 36,574,331 100.0 Average $533 $868 $536

$200,000 to Exposure 49,299.5 23.3 134.8 0.1 211,877.0 100.0 $299,999 Premium 30,828,863 23.4 143,767 0.1 131,842,197 100.0 Average $625 $1,066 $622

$300,000 to Exposure 19,345.3 23.1 31.4 0.0 83,636.2 100.0 $399,999 Premium 15,510,002 23.6 45,278 0.1 65,640,161 100.0 Average $802 $1,441 $785

$400,000 to Exposure 7,659.0 23.8 9.6 0.0 32,162.3 100.0 $499,999 Premium 7,657,969 24.4 13,918 0.0 31,408,387 100.0 Average $1,000 $1,452 $977

$500,000 and Exposure 8,356.4 23.5 7.4 0.0 35,568.0 100.0 Over Premium 15,301,231 26.5 13,122 0.0 57,830,085 100.0 Average $1,831 $1,769 $1,626

Total Exposure 112,857.0 21.0 3,311.6 0.6 536,993.2 100.0 Premium 83,755,340 22.4 1,294,187 0.3 373,910,550 100.0 Average $742 $391 $696

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms New Hampshire Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 274.8 50.1 58.6 10.7 70.2 12.8 126.8 23.1 Under Premium 54,711 39.1 22,521 16.1 22,453 16.1 37,605 26.9 Average $199 $384 $320 $297

$50,000 to Exposure 236.3 21.0 28.8 2.6 116.3 10.3 697.1 61.8 $74,999 Premium 72,722 18.3 13,214 3.3 45,600 11.4 250,255 62.8 Average $308 $458 $392 $359

$75,000 to Exposure 194.8 7.4 15.0 0.6 148.8 5.7 2,229.5 84.9 $99,999 Premium 66,313 5.6 7,270 0.6 58,789 5.0 1,031,774 87.2 Average $340 $485 $395 $463

$100,000 to Exposure 286.3 4.0 23.2 0.3 275.4 3.9 6,414.7 89.8 $124,999 Premium 138,737 3.7 12,252 0.3 127,586 3.4 3,405,336 90.9 Average $485 $529 $463 $531

$125,000 to Exposure 206.1 1.3 15.9 0.1 507.4 3.3 14,546.9 93.2 $149,999 Premium 89,626 1.0 9,749 0.1 259,738 2.8 8,699,729 94.0 Average $435 $613 $512 $598

$150,000 to Exposure 262.3 1.0 16.3 0.1 914.9 3.4 24,913.8 93.3 $174,999 Premium 161,116 0.9 9,973 0.1 502,591 2.9 16,226,288 93.9 Average $614 $614 $549 $651

$175,000 to Exposure 176.6 0.5 13.3 0.0 1,337.3 3.9 31,805.5 92.9 $199,999 Premium 107,536 0.5 9,128 0.0 781,043 3.3 22,214,327 93.7 Average $609 $689 $584 $698

$200,000 to Exposure 432.8 0.3 25.3 0.0 6,051.8 4.7 118,501.6 91.3 $299,999 Premium 318,766 0.3 20,809 0.0 4,220,023 4.1 95,239,765 92.2 Average $737 $821 $697 $804

$300,000 to Exposure 140.2 0.2 15.5 0.0 2,954.3 4.5 58,963.8 90.4 $399,999 Premium 125,003 0.2 19,357 0.0 2,602,949 4.1 57,296,259 91.1 Average $892 $1,249 $881 $972

$400,000 to Exposure 45.7 0.2 994.0 3.9 22,872.4 89.9 $499,999 Premium 69,810 0.2 * 1,123,442 3.8 26,725,318 90.4 Average $1,529 $1,130 $1,168

$500,000 and Exposure 64.5 0.2 2.0 0.0 656.3 2.4 23,688.4 87.7 Over Premium 71,293 0.2 3,485 0.0 1,075,143 2.4 38,735,499 86.3 Average $1,105 $1,743 $1,638 $1,635

Total Exposure 2,320.3 0.7 214.2 0.1 14,026.6 4.2 304,760.4 90.9 Premium 1,275,633 0.4 127,551 0.0 10,819,357 3.7 269,862,155 91.1 Average $550 $596 $771 $885

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms New Hampshire Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 4.9 0.9 13.8 2.5 549.1 100.0 Under Premium 562 0.4 1,949 1.4 139,801 100.0 Average $114 $141 $255

$50,000 to Exposure 35.3 3.1 13.3 1.2 1,127.1 100.0 $74,999 Premium 9,730 2.4 6,821 1.7 398,342 100.0 Average $275 $512 $353

$75,000 to Exposure 23.0 0.9 14.0 0.5 2,625.2 100.0 $99,999 Premium 12,291 1.0 6,928 0.6 1,183,365 100.0 Average $534 $495 $451

$100,000 to Exposure 129.4 1.8 16.0 0.2 7,145.0 100.0 $124,999 Premium 49,609 1.3 11,599 0.3 3,745,119 100.0 Average $383 $725 $524

$125,000 to Exposure 316.7 2.0 10.9 0.1 15,603.9 100.0 $149,999 Premium 186,776 2.0 10,743 0.1 9,256,361 100.0 Average $590 $984 $593

$150,000 to Exposure 588.7 2.2 12.3 0.0 26,708.2 100.0 $174,999 Premium 370,489 2.1 17,014 0.1 17,287,471 100.0 Average $629 $1,380 $647

$175,000 to Exposure 896.3 2.6 5.0 0.0 34,233.8 100.0 $199,999 Premium 597,977 2.5 7,226 0.0 23,717,237 100.0 Average $667 $1,445 $693

$200,000 to Exposure 4,741.1 3.7 16.0 0.0 129,768.5 100.0 $299,999 Premium 3,504,555 3.4 23,363 0.0 103,327,281 100.0 Average $739 $1,460 $796

$300,000 to Exposure 3,129.8 4.8 2.3 0.0 65,205.8 100.0 $399,999 Premium 2,829,690 4.5 6,784 0.0 62,880,042 100.0 Average $904 $3,015 $964

$400,000 to Exposure 1,519.3 6.0 2.0 0.0 25,433.7 100.0 $499,999 Premium 1,631,159 5.5 5,830 0.0 29,555,352 100.0 Average $1,074 $2,915 $1,162

$500,000 and Exposure 2,604.8 9.6 27,016.0 100.0 Over Premium 4,981,088 11.1 * 44,866,508 100.0 Average $1,912 $1,661

Total Exposure 13,989.2 4.2 105.7 0.0 335,416.3 100.0 Premium 14,173,926 4.8 98,257 0.0 296,356,879 100.0 Average $1,013 $930 $884

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms New Jersey Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 1,207.0 70.6 1.0 0.1 471.8 27.6 Under Premium 289,793 62.0 * 1,461 0.3 188,872 40.4 Average $240 $1,461 $400

$50,000 to Exposure 1,992.8 62.3 318.2 9.9 28.1 0.9 839.8 26.2 $74,999 Premium 692,665 52.0 135,093 10.1 9,027 0.7 487,107 36.5 Average $348 $425 $321 $580

$75,000 to Exposure 1,464.3 38.3 330.8 8.6 43.2 1.1 1,955.2 51.1 $99,999 Premium 656,037 36.1 163,463 9.0 14,544 0.8 964,809 53.1 Average $448 $494 $337 $493

$100,000 to Exposure 1,632.2 16.9 464.6 4.8 155.5 1.6 7,255.8 75.0 $124,999 Premium 984,309 18.2 284,680 5.3 67,197 1.2 3,961,423 73.3 Average $603 $613 $432 $546

$125,000 to Exposure 1,017.8 5.0 306.8 1.5 279.1 1.4 18,347.2 90.0 $149,999 Premium 639,563 5.0 214,579 1.7 135,177 1.1 11,511,051 90.1 Average $628 $699 $484 $627

$150,000 to Exposure 1,418.0 3.2 398.1 0.9 730.8 1.6 41,089.4 92.0 $174,999 Premium 929,708 3.1 325,640 1.1 417,907 1.4 28,041,660 92.3 Average $656 $818 $572 $682

$175,000 to Exposure 996.4 1.4 376.1 0.5 1,149.2 1.7 64,555.0 93.0 $199,999 Premium 671,985 1.3 333,735 0.7 719,087 1.4 47,753,329 93.8 Average $674 $887 $626 $740

$200,000 to Exposure 3,843.9 0.8 1,660.7 0.3 11,438.3 2.4 455,497.3 93.8 $299,999 Premium 2,725,303 0.7 1,755,054 0.4 8,766,325 2.1 387,725,516 94.3 Average $709 $1,057 $766 $851

$300,000 to Exposure 2,115.1 0.5 1,085.9 0.3 11,542.0 2.7 406,322.4 94.1 $399,999 Premium 1,609,543 0.4 1,467,786 0.3 10,950,001 2.5 412,374,740 94.3 Average $761 $1,352 $949 $1,015

$400,000 to Exposure 920.1 0.4 528.8 0.2 6,665.5 2.8 222,066.5 93.7 $499,999 Premium 671,288 0.2 859,132 0.3 7,625,004 2.7 262,055,107 93.8 Average $730 $1,625 $1,144 $1,180

$500,000 and Exposure 918.1 0.4 306.9 0.1 6,521.0 2.5 235,038.3 90.6 Over Premium 692,892 0.2 643,370 0.1 10,794,305 2.4 382,221,965 86.3 Average $755 $2,096 $1,655 $1,626

Total Exposure 17,525.6 1.1 5,776.8 0.4 38,553.6 2.5 1,453,438.7 92.7 Premium 10,563,086 0.6 6,182,532 0.4 39,500,035 2.4 1,537,285,579 91.9 Average $603 $1,070 $1,025 $1,058

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms New Jersey Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 5.0 0.3 1,710.1 100.0 Under Premium * 518 0.1 467,328 100.0 Average $104 $273

$50,000 to Exposure 6.6 0.2 14.0 0.4 3,199.3 100.0 $74,999 Premium 2,080 0.2 7,242 0.5 1,333,214 100.0 Average $316 $517 $417

$75,000 to Exposure 26.4 0.7 8.0 0.2 3,827.8 100.0 $99,999 Premium 13,894 0.8 5,897 0.3 1,818,644 100.0 Average $526 $737 $475

$100,000 to Exposure 159.3 1.6 11.8 0.1 9,679.1 100.0 $124,999 Premium 96,884 1.8 8,947 0.2 5,403,440 100.0 Average $608 $761 $558

$125,000 to Exposure 413.8 2.0 16.0 0.1 20,380.8 100.0 $149,999 Premium 255,189 2.0 15,182 0.1 12,770,741 100.0 Average $617 $949 $627

$150,000 to Exposure 1,002.6 2.2 2.9 0.0 44,641.8 100.0 $174,999 Premium 661,023 2.2 2,166 0.0 30,378,104 100.0 Average $659 $743 $680

$175,000 to Exposure 2,303.8 3.3 7.7 0.0 69,388.1 100.0 $199,999 Premium 1,447,756 2.8 8,048 0.0 50,933,940 100.0 Average $628 $1,050 $734

$200,000 to Exposure 13,353.8 2.7 33.3 0.0 485,827.3 100.0 $299,999 Premium 9,946,897 2.4 47,634 0.0 410,966,729 100.0 Average $745 $1,433 $846

$300,000 to Exposure 10,850.3 2.5 7.0 0.0 431,922.7 100.0 $399,999 Premium 10,653,877 2.4 15,955 0.0 437,071,902 100.0 Average $982 $2,279 $1,012

$400,000 to Exposure 6,755.7 2.9 3.0 0.0 236,939.5 100.0 $499,999 Premium 8,192,664 2.9 3,201 0.0 279,406,396 100.0 Average $1,213 $1,067 $1,179

$500,000 and Exposure 16,779.9 6.5 259,564.3 100.0 Over Premium 48,691,169 11.0 * 443,043,701 100.0 Average $2,902 $1,707

Total Exposure 51,677.4 3.3 108.6 0.0 1,567,080.7 100.0 Premium 79,948,117 4.8 114,790 0.0 1,673,594,139 100.0 Average $1,547 $1,057 $1,068

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms New Mexico Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 529.3 22.7 204.8 8.8 846.3 36.2 Under Premium 153,353 14.2 * 264,444 24.5 468,860 43.5 Average $290 $1,292 $554

$50,000 to Exposure 698.3 17.8 335.3 8.5 2,668.4 68.0 $74,999 Premium 202,404 8.3 * 407,311 16.6 1,743,503 71.1 Average $290 $1,215 $653

$75,000 to Exposure 965.0 6.7 2.0 0.0 413.8 2.9 11,983.3 83.6 $99,999 Premium 328,395 3.4 1,446 0.0 497,675 5.1 8,181,097 84.2 Average $340 $723 $1,203 $683

$100,000 to Exposure 1,009.3 3.0 1.0 0.0 624.9 1.8 28,482.9 84.0 $124,999 Premium 439,678 1.8 347 0.0 644,730 2.7 19,942,107 82.9 Average $436 $347 $1,032 $700

$125,000 to Exposure 647.5 1.3 2.0 0.0 845.3 1.7 41,408.4 82.0 $149,999 Premium 301,332 0.8 1,001 0.0 765,823 2.1 29,914,206 80.4 Average $465 $501 $906 $722

$150,000 to Exposure 583.7 1.0 1,059.3 1.9 44,481.3 79.8 $174,999 Premium 334,179 0.8 * 932,588 2.2 33,529,773 78.0 Average $573 $880 $754

$175,000 to Exposure 346.8 0.7 1,072.7 2.1 40,974.1 79.9 $199,999 Premium 226,233 0.5 * 1,020,582 2.4 32,425,323 77.6 Average $652 $951 $791

$200,000 to Exposure 563.8 0.5 1.0 0.0 3,071.8 2.7 93,476.5 81.2 $299,999 Premium 424,079 0.4 1,153 0.0 3,048,303 2.9 83,765,014 79.3 Average $752 $1,153 $992 $896

$300,000 to Exposure 107.3 0.3 1,174.8 3.0 32,137.7 81.5 $399,999 Premium 128,917 0.3 * 1,447,257 3.2 35,739,292 80.0 Average $1,201 $1,232 $1,112

$400,000 to Exposure 44.5 0.3 455.9 2.9 12,996.3 81.8 $499,999 Premium 50,541 0.2 * 665,112 3.1 17,159,524 80.7 Average $1,136 $1,459 $1,320

$500,000 and Exposure 42.0 0.2 702.7 3.6 15,710.3 79.9 Over Premium 68,708 0.2 * 1,496,683 4.0 29,202,251 77.7 Average $1,636 $2,130 $1,859

Total Exposure 5,537.5 1.4 6.0 0.0 9,961.3 2.5 325,165.3 80.9 Premium 2,657,819 0.7 3,958 0.0 11,190,508 3.0 292,070,950 79.3 Average $480 $660 $1,123 $898

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms New Mexico Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 7.5 0.3 749.0 32.1 2,336.8 100.0 Under Premium 1,915 0.2 190,151 17.6 1,078,734 100.0 Average $255 $254 $462

$50,000 to Exposure 22.6 0.6 201.1 5.1 3,925.7 100.0 $74,999 Premium 13,677 0.6 83,664 3.4 2,450,559 100.0 Average $606 $416 $624

$75,000 to Exposure 726.0 5.1 246.8 1.7 14,336.9 100.0 $99,999 Premium 573,201 5.9 130,201 1.3 9,712,015 100.0 Average $790 $528 $677

$100,000 to Exposure 3,429.8 10.1 355.1 1.0 33,903.0 100.0 $124,999 Premium 2,796,300 11.6 246,412 1.0 24,069,574 100.0 Average $815 $694 $710

$125,000 to Exposure 7,344.4 14.5 278.9 0.6 50,526.5 100.0 $149,999 Premium 6,021,777 16.2 211,268 0.6 37,215,407 100.0 Average $820 $757 $737

$150,000 to Exposure 9,411.2 16.9 228.1 0.4 55,763.5 100.0 $174,999 Premium 8,006,956 18.6 188,405 0.4 42,991,901 100.0 Average $851 $826 $771

$175,000 to Exposure 8,708.6 17.0 176.8 0.3 51,278.8 100.0 $199,999 Premium 7,934,268 19.0 172,276 0.4 41,778,682 100.0 Average $911 $975 $815

$200,000 to Exposure 17,686.6 15.4 279.7 0.2 115,079.4 100.0 $299,999 Premium 18,072,267 17.1 318,355 0.3 105,629,171 100.0 Average $1,022 $1,138 $918

$300,000 to Exposure 5,974.5 15.2 32.5 0.1 39,426.8 100.0 $399,999 Premium 7,304,789 16.4 42,952 0.1 44,663,207 100.0 Average $1,223 $1,322 $1,133

$400,000 to Exposure 2,392.6 15.1 15,889.3 100.0 $499,999 Premium 3,377,994 15.9 * 21,253,171 100.0 Average $1,412 $1,338

$500,000 and Exposure 3,219.5 16.4 19,674.4 100.0 Over Premium 6,814,560 18.1 * 37,582,202 100.0 Average $2,117 $1,910

Total Exposure 58,923.2 14.7 2,547.8 0.6 402,141.2 100.0 Premium 60,917,704 16.5 1,583,684 0.4 368,424,623 100.0 Average $1,034 $622 $916

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms New York Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 1,551.5 14.2 39.2 0.4 1,298.8 11.9 6,766.7 62.1 Under Premium 297,488 9.7 9,082 0.3 379,004 12.4 2,126,278 69.6 Average $192 $232 $292 $314

$50,000 to Exposure 1,224.0 6.6 35.5 0.2 1,510.7 8.2 14,722.2 79.6 $74,999 Premium 417,323 4.6 10,872 0.1 664,420 7.3 7,593,359 83.3 Average $341 $306 $440 $516

$75,000 to Exposure 823.3 2.7 45.3 0.1 2,318.4 7.5 26,668.4 86.2 $99,999 Premium 334,225 2.3 16,787 0.1 1,007,443 6.8 12,947,852 87.6 Average $406 $370 $435 $486

$100,000 to Exposure 853.8 1.3 55.6 0.1 4,495.6 6.8 58,318.3 88.4 $124,999 Premium 453,979 1.4 26,857 0.1 2,383,332 7.2 29,335,509 88.2 Average $532 $483 $530 $503

$125,000 to Exposure 613.2 0.5 36.3 0.0 6,415.4 5.3 107,718.8 88.8 $149,999 Premium 247,862 0.4 19,025 0.0 3,108,926 4.9 57,304,813 89.8 Average $404 $525 $485 $532

$150,000 to Exposure 761.0 0.4 33.1 0.0 9,487.3 5.0 165,332.6 87.5 $174,999 Premium 337,049 0.3 20,254 0.0 4,963,321 4.6 96,616,317 88.8 Average $443 $612 $523 $584

$175,000 to Exposure 575.1 0.3 26.4 0.0 12,615.3 5.8 188,594.4 86.9 $199,999 Premium 245,153 0.2 17,319 0.0 7,178,277 5.2 122,988,011 88.5 Average $426 $656 $569 $652

$200,000 to Exposure 4,847.5 0.6 135.2 0.0 55,875.8 6.4 762,472.9 87.3 $299,999 Premium 2,089,797 0.3 93,060 0.0 42,459,986 5.5 692,330,532 89.7 Average $431 $688 $760 $908

$300,000 to Exposure 7,069.8 1.1 174.4 0.0 48,594.3 7.5 568,579.8 87.8 $399,999 Premium 3,176,751 0.4 133,262 0.0 57,930,936 6.9 760,192,242 90.1 Average $449 $764 $1,192 $1,337

$400,000 to Exposure 4,814.2 1.4 128.4 0.0 30,633.8 9.2 287,315.7 86.4 $499,999 Premium 2,617,208 0.5 114,746 0.0 48,891,163 8.7 495,206,465 88.5 Average $544 $894 $1,596 $1,724

$500,000 and Exposure 4,572.7 1.4 71.0 0.0 28,725.0 8.5 278,318.0 82.5 Over Premium 3,195,351 0.4 87,402 0.0 66,001,557 7.4 712,225,420 79.5 Average $699 $1,231 $2,298 $2,559

Total Exposure 27,706.0 1.0 780.3 0.0 201,970.4 7.1 2,464,807.8 86.6 Premium 13,412,186 0.4 548,666 0.0 234,968,365 6.8 2,988,866,798 86.8 Average $484 $703 $1,163 $1,213

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms New York Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 633.1 5.8 599.8 5.5 10,889.0 100.0 Under Premium 93,593 3.1 149,806 4.9 3,055,251 100.0 Average $148 $250 $281

$50,000 to Exposure 137.8 0.7 864.2 4.7 18,494.3 100.0 $74,999 Premium 41,569 0.5 384,086 4.2 9,111,629 100.0 Average $302 $444 $493

$75,000 to Exposure 213.9 0.7 863.8 2.8 30,933.2 100.0 $99,999 Premium 81,886 0.6 385,167 2.6 14,773,360 100.0 Average $383 $446 $478

$100,000 to Exposure 1,401.4 2.1 878.8 1.3 66,003.4 100.0 $124,999 Premium 610,839 1.8 456,984 1.4 33,267,500 100.0 Average $436 $520 $504

$125,000 to Exposure 6,115.8 5.0 433.0 0.4 121,332.4 100.0 $149,999 Premium 2,881,441 4.5 258,995 0.4 63,821,062 100.0 Average $471 $598 $526

$150,000 to Exposure 12,829.2 6.8 415.3 0.2 188,858.4 100.0 $174,999 Premium 6,518,486 6.0 302,441 0.3 108,757,868 100.0 Average $508 $728 $576

$175,000 to Exposure 15,041.0 6.9 195.3 0.1 217,047.5 100.0 $199,999 Premium 8,386,388 6.0 158,554 0.1 138,973,702 100.0 Average $558 $812 $640

$200,000 to Exposure 50,051.9 5.7 502.1 0.1 873,885.3 100.0 $299,999 Premium 34,208,025 4.4 576,315 0.1 771,757,715 100.0 Average $683 $1,148 $883

$300,000 to Exposure 22,932.8 3.5 161.7 0.0 647,512.8 100.0 $399,999 Premium 21,795,191 2.6 305,784 0.0 843,534,166 100.0 Average $950 $1,891 $1,303

$400,000 to Exposure 9,620.4 2.9 39.3 0.0 332,551.8 100.0 $499,999 Premium 12,508,897 2.2 89,790 0.0 559,428,269 100.0 Average $1,300 $2,283 $1,682

$500,000 and Exposure 25,712.7 7.6 30.2 0.0 337,429.5 100.0 Over Premium 114,687,226 12.8 81,807 0.0 896,278,763 100.0 Average $4,460 $2,712 $2,656

Total Exposure 144,689.8 5.1 4,983.2 0.2 2,844,937.6 100.0 Premium 201,813,541 5.9 3,149,729 0.1 3,442,759,285 100.0 Average $1,395 $632 $1,210

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms North Carolina Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 49,202.4 91.3 261.5 0.5 4,281.3 7.9 Under Premium 9,774,326 85.9 * 150,648 1.3 1,376,052 12.1 Average $199 $576 $321

$50,000 to Exposure 25,208.8 67.4 5,223.8 14.0 6,320.2 16.9 $74,999 Premium 8,372,978 55.0 * 3,557,223 23.4 2,733,271 18.0 Average $332 $681 $432

$75,000 to Exposure 15,992.6 22.5 1.0 0.0 18,063.6 25.4 36,395.8 51.3 $99,999 Premium 6,814,605 17.0 389 0.0 13,363,983 33.4 19,344,018 48.3 Average $426 $389 $740 $531

$100,000 to Exposure 11,624.3 7.1 2.0 0.0 20,090.8 12.3 129,242.9 79.3 $124,999 Premium 5,757,462 5.7 2,356 0.0 16,173,227 15.9 78,843,104 77.4 Average $495 $1,178 $805 $610

$125,000 to Exposure 7,772.5 3.4 11,903.1 5.2 209,338.5 90.7 $149,999 Premium 4,421,505 2.7 * 9,758,514 6.1 146,099,056 90.6 Average $569 $820 $698

$150,000 to Exposure 6,609.7 2.7 7,137.3 2.9 231,993.1 93.5 $174,999 Premium 4,579,725 2.4 * 5,399,909 2.8 178,447,893 94.1 Average $693 $757 $769

$175,000 to Exposure 4,433.8 2.0 5,154.5 2.3 214,351.3 94.7 $199,999 Premium 3,635,679 1.9 * 3,699,083 2.0 179,893,140 95.4 Average $820 $718 $839

$200,000 to Exposure 10,632.8 1.9 10,517.4 1.9 522,520.2 94.8 $299,999 Premium 11,034,140 2.0 * 8,555,656 1.5 532,623,896 95.6 Average $1,038 $813 $1,019

$300,000 to Exposure 5,109.2 2.4 3,519.8 1.6 204,253.7 94.1 $399,999 Premium 6,497,055 2.4 * 3,490,315 1.3 260,819,027 95.1 Average $1,272 $992 $1,277

$400,000 to Exposure 2,524.8 2.7 1,570.8 1.7 87,479.6 93.0 $499,999 Premium 4,086,765 2.8 * 1,853,414 1.3 135,213,852 94.1 Average $1,619 $1,180 $1,546

$500,000 and Exposure 3,359.4 3.2 1,439.0 1.4 96,115.3 90.7 Over Premium 7,926,453 3.3 * 2,405,708 1.0 220,743,397 91.7 Average $2,359 $1,672 $2,297

Total Exposure 142,470.3 7.1 3.0 0.0 84,881.5 4.2 1,742,291.8 87.2 Premium 72,900,693 3.8 2,745 0.0 68,407,680 3.6 1,756,136,706 91.3 Average $512 $915 $806 $1,008

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms North Carolina Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 1.0 0.0 170.4 0.3 53,916.7 100.0 Under Premium 234 0.0 82,032 0.7 11,383,292 100.0 Average $234 $481 $211

$50,000 to Exposure 7.0 0.0 644.0 1.7 37,403.8 100.0 $74,999 Premium 1,854 0.0 549,634 3.6 15,214,960 100.0 Average $265 $853 $407

$75,000 to Exposure 76.6 0.1 483.9 0.7 71,013.5 100.0 $99,999 Premium 26,868 0.1 511,830 1.3 40,061,693 100.0 Average $351 $1,058 $564

$100,000 to Exposure 528.6 0.3 1,488.8 0.9 162,977.3 100.0 $124,999 Premium 207,644 0.2 900,911 0.9 101,884,704 100.0 Average $393 $605 $625

$125,000 to Exposure 1,232.3 0.5 653.3 0.3 230,899.7 100.0 $149,999 Premium 550,581 0.3 460,839 0.3 161,290,495 100.0 Average $447 $705 $699

$150,000 to Exposure 1,758.0 0.7 568.1 0.2 248,066.1 100.0 $174,999 Premium 848,086 0.4 439,215 0.2 189,714,828 100.0 Average $482 $773 $765

$175,000 to Exposure 2,054.2 0.9 298.6 0.1 226,292.3 100.0 $199,999 Premium 1,062,172 0.6 257,371 0.1 188,547,445 100.0 Average $517 $862 $833

$200,000 to Exposure 6,879.7 1.2 471.3 0.1 551,021.4 100.0 $299,999 Premium 4,572,003 0.8 491,069 0.1 557,276,764 100.0 Average $665 $1,042 $1,011

$300,000 to Exposure 4,067.9 1.9 107.3 0.0 217,057.8 100.0 $399,999 Premium 3,424,714 1.2 145,206 0.1 274,376,317 100.0 Average $842 $1,354 $1,264

$400,000 to Exposure 2,467.2 2.6 45.6 0.0 94,087.9 100.0 $499,999 Premium 2,514,835 1.7 69,311 0.0 143,738,177 100.0 Average $1,019 $1,521 $1,528

$500,000 and Exposure 5,034.9 4.8 29.4 0.0 105,978.0 100.0 Over Premium 9,609,612 4.0 66,536 0.0 240,751,706 100.0 Average $1,909 $2,262 $2,272

Total Exposure 24,107.3 1.2 4,960.7 0.2 1,998,714.5 100.0 Premium 22,818,603 1.2 3,973,954 0.2 1,924,240,381 100.0 Average $947 $801 $963

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms North Dakota Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 143.8 15.7 118.9 13.0 98.2 10.7 507.8 55.3 Under Premium 34,605 9.0 6,432 1.7 23,053 6.0 306,632 79.6 Average $241 $54 $235 $604

$50,000 to Exposure 158.8 8.5 12.5 0.7 288.3 15.4 1,346.4 71.8 $74,999 Premium 56,512 4.9 7,036 0.6 160,267 13.9 894,109 77.5 Average $356 $563 $556 $664

$75,000 to Exposure 176.2 3.5 8.3 0.2 550.7 11.0 4,022.4 80.4 $99,999 Premium 88,373 2.3 5,127 0.1 393,379 10.2 3,165,221 82.4 Average $502 $621 $714 $787

$100,000 to Exposure 96.8 0.8 4.0 0.0 749.8 6.4 9,518.8 81.7 $124,999 Premium 81,727 0.8 3,097 0.0 544,425 5.6 8,053,654 82.4 Average $844 $774 $726 $846

$125,000 to Exposure 71.8 0.4 2.0 0.0 875.8 5.1 12,639.7 73.3 $149,999 Premium 85,374 0.6 1,073 0.0 643,552 4.2 11,422,528 73.9 Average $1,189 $537 $735 $904

$150,000 to Exposure 75.9 0.4 1.0 0.0 1,111.0 5.9 12,654.8 66.7 $174,999 Premium 79,755 0.4 950 0.0 812,897 4.5 12,172,672 67.8 Average $1,051 $950 $732 $962

$175,000 to Exposure 33.8 0.2 957.5 5.9 10,275.1 63.2 $199,999 Premium 44,554 0.3 * 741,148 4.6 10,431,333 64.4 Average $1,317 $774 $1,015

$200,000 to Exposure 35.4 0.1 3.7 0.0 1,744.3 5.2 20,436.1 60.5 $299,999 Premium 143,687 0.4 2,409 0.0 1,546,162 4.0 24,202,769 62.3 Average $4,057 $657 $886 $1,184

$300,000 to Exposure 18.8 0.2 2.0 0.0 199.6 2.1 6,055.8 62.6 $399,999 Premium 66,101 0.5 1,895 0.0 232,866 1.7 8,974,034 64.3 Average $3,510 $948 $1,167 $1,482

$400,000 to Exposure 8.5 0.3 3.0 0.1 51.3 1.8 1,746.8 60.6 $499,999 Premium 21,203 0.4 3,808 0.1 75,084 1.5 3,229,055 62.9 Average $2,494 $1,269 $1,463 $1,849

$500,000 and Exposure 0.8 0.0 1.0 0.0 20.5 0.9 1,621.0 67.6 Over Premium 183 0.0 1,774 0.0 48,317 0.8 4,294,703 69.7 Average $220 $1,774 $2,357 $2,649

Total Exposure 820.7 0.7 156.3 0.1 6,647.0 5.5 80,824.8 67.0 Premium 702,074 0.5 33,601 0.0 5,221,150 4.1 87,146,710 67.6 Average $855 $215 $785 $1,078

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms North Dakota Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 1.1 0.1 48.5 5.3 918.3 100.0 Under Premium 95 0.0 14,436 3.7 385,253 100.0 Average $88 $298 $420

$50,000 to Exposure 15.8 0.8 54.0 2.9 1,875.7 100.0 $74,999 Premium 9,127 0.8 26,832 2.3 1,153,883 100.0 Average $579 $497 $615

$75,000 to Exposure 195.4 3.9 48.1 1.0 5,001.0 100.0 $99,999 Premium 156,222 4.1 32,064 0.8 3,840,386 100.0 Average $799 $667 $768

$100,000 to Exposure 1,263.3 10.8 23.3 0.2 11,656.0 100.0 $124,999 Premium 1,069,621 10.9 16,531 0.2 9,769,055 100.0 Average $847 $711 $838

$125,000 to Exposure 3,634.8 21.1 26.3 0.2 17,250.4 100.0 $149,999 Premium 3,280,478 21.2 23,913 0.2 15,456,918 100.0 Average $903 $911 $896

$150,000 to Exposure 5,110.2 26.9 12.3 0.1 18,965.2 100.0 $174,999 Premium 4,881,780 27.2 14,183 0.1 17,962,237 100.0 Average $955 $1,158 $947

$175,000 to Exposure 4,974.8 30.6 7.2 0.0 16,248.3 100.0 $199,999 Premium 4,985,644 30.8 5,791 0.0 16,208,470 100.0 Average $1,002 $808 $998

$200,000 to Exposure 11,565.2 34.2 14.0 0.0 33,798.7 100.0 $299,999 Premium 12,941,695 33.3 19,710 0.1 38,856,432 100.0 Average $1,119 $1,408 $1,150

$300,000 to Exposure 3,393.3 35.1 2.0 0.0 9,671.5 100.0 $399,999 Premium 4,686,222 33.6 4,335 0.0 13,965,453 100.0 Average $1,381 $2,168 $1,444

$400,000 to Exposure 1,071.7 37.2 2,881.3 100.0 $499,999 Premium 1,803,480 35.1 * 5,132,630 100.0 Average $1,683 $1,781

$500,000 and Exposure 753.5 31.4 2,396.8 100.0 Over Premium 1,819,967 29.5 * 6,164,944 100.0 Average $2,415 $2,572

Total Exposure 31,978.9 26.5 235.5 0.2 120,663.2 100.0 Premium 35,634,331 27.6 157,795 0.1 128,895,661 100.0 Average $1,114 $670 $1,068

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Ohio Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 4,414.7 36.4 100.1 0.8 344.4 2.8 5,158.6 42.5 Under Premium 1,554,025 31.4 32,351 0.7 121,101 2.4 2,230,704 45.1 Average $352 $323 $352 $432

$50,000 to Exposure 4,510.8 16.1 105.3 0.4 1,132.5 4.0 19,383.0 69.2 $74,999 Premium 2,433,514 16.4 46,275 0.3 530,329 3.6 9,860,194 66.6 Average $539 $440 $468 $509

$75,000 to Exposure 2,896.6 3.5 130.3 0.2 2,817.8 3.4 71,428.8 86.5 $99,999 Premium 1,914,707 4.1 53,672 0.1 1,522,873 3.2 40,238,498 85.7 Average $661 $412 $540 $563

$100,000 to Exposure 2,302.9 1.0 85.3 0.0 5,244.8 2.4 194,661.1 87.7 $124,999 Premium 1,815,059 1.4 40,576 0.0 2,978,500 2.3 115,711,140 87.5 Average $788 $476 $568 $594

$125,000 to Exposure 1,199.2 0.3 66.1 0.0 8,040.5 2.3 306,251.3 85.8 $149,999 Premium 946,521 0.4 32,955 0.0 4,668,019 2.1 193,544,822 86.0 Average $789 $499 $581 $632

$150,000 to Exposure 954.3 0.2 41.8 0.0 11,609.0 2.8 345,915.6 83.1 $174,999 Premium 862,327 0.3 18,003 0.0 7,007,306 2.5 232,294,802 83.4 Average $904 $431 $604 $672

$175,000 to Exposure 532.4 0.1 32.0 0.0 11,920.8 3.1 307,792.8 81.2 $199,999 Premium 454,632 0.2 17,150 0.0 7,602,488 2.8 219,178,915 81.7 Average $854 $536 $638 $712

$200,000 to Exposure 925.8 0.1 51.8 0.0 32,355.3 3.5 718,609.4 77.9 $299,999 Premium 904,220 0.1 30,650 0.0 23,427,795 3.2 566,616,941 78.6 Average $977 $592 $724 $788

$300,000 to Exposure 244.4 0.1 6.6 0.0 9,716.4 3.3 221,588.3 75.7 $399,999 Premium 259,141 0.1 5,939 0.0 8,857,558 3.2 209,375,638 76.0 Average $1,060 $902 $912 $945

$400,000 to Exposure 68.8 0.1 1.0 0.0 3,231.9 3.2 73,285.2 73.5 $499,999 Premium 104,540 0.1 948 0.0 3,564,358 3.2 82,685,110 73.8 Average $1,519 $948 $1,103 $1,128

$500,000 and Exposure 118.4 0.1 2.3 0.0 2,698.9 2.8 65,760.8 67.7 Over Premium 156,952 0.1 2,998 0.0 4,050,501 2.5 105,837,966 65.1 Average $1,325 $1,332 $1,501 $1,609

Total Exposure 18,168.3 0.6 622.3 0.0 89,112.3 3.1 2,329,834.8 80.1 Premium 11,405,638 0.5 281,517 0.0 64,330,828 2.9 1,777,574,730 79.3 Average $628 $452 $722 $763

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Ohio Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 284.8 2.3 1,841.3 15.2 12,143.8 100.0 Under Premium 74,978 1.5 934,404 18.9 4,947,563 100.0 Average $263 $507 $407

$50,000 to Exposure 545.1 1.9 2,325.1 8.3 28,001.7 100.0 $74,999 Premium 237,153 1.6 1,705,252 11.5 14,812,717 100.0 Average $435 $733 $529

$75,000 to Exposure 3,866.7 4.7 1,453.9 1.8 82,594.1 100.0 $99,999 Premium 1,956,295 4.2 1,240,372 2.6 46,926,417 100.0 Average $506 $853 $568

$100,000 to Exposure 18,586.2 8.4 1,078.5 0.5 221,958.7 100.0 $124,999 Premium 10,729,208 8.1 975,362 0.7 132,249,845 100.0 Average $577 $904 $596

$125,000 to Exposure 40,687.8 11.4 792.0 0.2 357,036.8 100.0 $149,999 Premium 25,279,007 11.2 690,626 0.3 225,161,950 100.0 Average $621 $872 $631

$150,000 to Exposure 56,680.1 13.6 1,038.6 0.2 416,239.3 100.0 $174,999 Premium 37,411,848 13.4 910,737 0.3 278,505,023 100.0 Average $660 $877 $669

$175,000 to Exposure 57,860.4 15.3 1,128.3 0.3 379,266.8 100.0 $199,999 Premium 40,074,632 14.9 899,100 0.3 268,226,917 100.0 Average $693 $797 $707

$200,000 to Exposure 167,921.4 18.2 2,247.5 0.2 922,111.1 100.0 $299,999 Premium 128,273,050 17.8 1,891,348 0.3 721,144,004 100.0 Average $764 $842 $782

$300,000 to Exposure 60,614.7 20.7 718.8 0.2 292,889.2 100.0 $399,999 Premium 56,679,381 20.6 495,344 0.2 275,673,001 100.0 Average $935 $689 $941

$400,000 to Exposure 22,875.3 23.0 196.3 0.2 99,658.6 100.0 $499,999 Premium 25,600,428 22.8 119,041 0.1 112,074,425 100.0 Average $1,119 $606 $1,125

$500,000 and Exposure 28,501.3 29.3 91.2 0.1 97,172.8 100.0 Over Premium 52,473,563 32.3 37,842 0.0 162,559,822 100.0 Average $1,841 $415 $1,673

Total Exposure 458,423.8 15.8 12,911.4 0.4 2,909,072.8 100.0 Premium 378,789,543 16.9 9,899,428 0.4 2,242,281,684 100.0 Average $826 $767 $771

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Oklahoma Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 8,674.8 47.2 563.7 3.1 1,365.6 7.4 3,636.6 19.8 Under Premium 2,880,667 31.8 323,104 3.6 756,827 8.4 2,522,957 27.9 Average $332 $573 $554 $694

$50,000 to Exposure 6,892.4 19.9 245.3 0.7 4,968.2 14.3 15,072.3 43.4 $74,999 Premium 3,093,959 11.6 200,311 0.8 4,041,020 15.2 12,914,644 48.4 Average $449 $817 $813 $857

$75,000 to Exposure 4,433.3 7.1 100.0 0.2 5,424.3 8.6 43,280.3 69.0 $99,999 Premium 2,500,254 3.8 97,110 0.1 5,556,999 8.5 47,088,490 71.7 Average $564 $971 $1,024 $1,088

$100,000 to Exposure 2,466.5 2.8 41.1 0.0 4,864.5 5.6 66,800.6 76.7 $124,999 Premium 1,796,426 1.6 46,484 0.0 5,764,758 5.2 85,761,549 77.2 Average $728 $1,131 $1,185 $1,284

$125,000 to Exposure 1,232.8 1.2 26.0 0.0 4,810.3 4.8 78,707.3 77.9 $149,999 Premium 1,109,860 0.8 33,909 0.0 6,560,311 4.5 111,957,335 76.8 Average $900 $1,304 $1,364 $1,422

$150,000 to Exposure 771.4 0.7 18.5 0.0 4,622.7 4.4 79,298.8 76.2 $174,999 Premium 917,420 0.6 26,159 0.0 6,959,976 4.3 121,109,698 74.5 Average $1,189 $1,414 $1,506 $1,527

$175,000 to Exposure 323.5 0.4 7.7 0.0 3,720.4 4.2 66,337.3 74.7 $199,999 Premium 464,683 0.3 11,128 0.0 6,153,249 4.1 107,983,809 72.1 Average $1,436 $1,451 $1,654 $1,628

$200,000 to Exposure 387.8 0.2 10.7 0.0 7,039.5 4.0 131,451.5 75.0 $299,999 Premium 743,958 0.2 16,086 0.0 13,467,404 4.0 240,814,045 72.2 Average $1,918 $1,508 $1,913 $1,832

$300,000 to Exposure 83.8 0.2 1,653.6 3.5 36,188.0 76.0 $399,999 Premium 166,747 0.1 * 3,980,058 3.6 82,630,901 73.7 Average $1,991 $2,407 $2,283

$400,000 to Exposure 21.8 0.1 624.5 3.5 13,677.4 77.7 $499,999 Premium 47,702 0.1 * 1,747,571 3.5 38,040,436 76.5 Average $2,185 $2,798 $2,781

$500,000 and Exposure 15.5 0.1 529.6 3.1 13,497.2 77.9 Over Premium 80,421 0.1 * 2,015,408 2.8 55,420,129 76.9 Average $5,188 $3,806 $4,106

Total Exposure 25,303.6 3.4 1,012.8 0.1 39,623.1 5.3 547,947.1 72.6 Premium 13,802,097 1.1 754,291 0.1 57,003,581 4.6 906,243,993 73.2 Average $545 $745 $1,439 $1,654

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Oklahoma Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 10.8 0.1 4,113.2 22.4 18,364.6 100.0 Under Premium 3,544 0.0 2,563,045 28.3 9,050,144 100.0 Average $327 $623 $493

$50,000 to Exposure 158.7 0.5 7,371.9 21.2 34,708.7 100.0 $74,999 Premium 165,796 0.6 6,254,243 23.5 26,669,973 100.0 Average $1,045 $848 $768

$75,000 to Exposure 2,877.5 4.6 6,631.1 10.6 62,746.4 100.0 $99,999 Premium 3,806,289 5.8 6,601,403 10.1 65,650,545 100.0 Average $1,323 $996 $1,046

$100,000 to Exposure 8,152.0 9.4 4,749.0 5.5 87,073.7 100.0 $124,999 Premium 12,142,356 10.9 5,524,854 5.0 111,036,427 100.0 Average $1,489 $1,163 $1,275

$125,000 to Exposure 13,729.7 13.6 2,570.3 2.5 101,076.3 100.0 $149,999 Premium 22,567,077 15.5 3,474,862 2.4 145,703,354 100.0 Average $1,644 $1,352 $1,442

$150,000 to Exposure 17,631.3 16.9 1,689.2 1.6 104,031.8 100.0 $174,999 Premium 30,913,859 19.0 2,672,153 1.6 162,599,265 100.0 Average $1,753 $1,582 $1,563

$175,000 to Exposure 17,463.4 19.7 924.5 1.0 88,776.8 100.0 $199,999 Premium 33,418,065 22.3 1,710,656 1.1 149,741,590 100.0 Average $1,914 $1,850 $1,687

$200,000 to Exposure 34,785.6 19.9 1,549.8 0.9 175,224.8 100.0 $299,999 Premium 75,547,915 22.6 3,122,739 0.9 333,712,147 100.0 Average $2,172 $2,015 $1,904

$300,000 to Exposure 9,327.3 19.6 370.8 0.8 47,623.3 100.0 $399,999 Premium 24,467,477 21.8 854,406 0.8 112,099,589 100.0 Average $2,623 $2,305 $2,354

$400,000 to Exposure 3,180.2 18.1 99.1 0.6 17,603.0 100.0 $499,999 Premium 9,618,019 19.3 253,910 0.5 49,707,638 100.0 Average $3,024 $2,563 $2,824

$500,000 and Exposure 3,276.0 18.9 18.3 0.1 17,336.5 100.0 Over Premium 14,502,335 20.1 82,894 0.1 72,101,187 100.0 Average $4,427 $4,542 $4,159

Total Exposure 110,592.3 14.7 30,087.0 4.0 754,565.9 100.0 Premium 227,152,732 18.3 33,115,165 2.7 1,238,071,859 100.0 Average $2,054 $1,101 $1,641

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Oregon Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 583.3 54.7 2.0 0.2 178.5 16.8 Under Premium 129,161 50.8 * 677 0.3 43,678 17.2 Average $221 $339 $245

$50,000 to Exposure 511.8 24.8 1.0 0.0 7.0 0.3 1,302.0 63.0 $74,999 Premium 166,554 23.9 174 0.0 3,536 0.5 414,676 59.5 Average $325 $174 $505 $318

$75,000 to Exposure 422.6 5.1 1.0 0.0 21.6 0.3 7,399.8 88.6 $99,999 Premium 178,073 5.8 315 0.0 7,292 0.2 2,672,286 86.5 Average $421 $315 $338 $361

$100,000 to Exposure 689.5 2.2 3.0 0.0 273.0 0.9 28,139.2 88.4 $124,999 Premium 354,554 2.8 982 0.0 103,200 0.8 11,127,479 86.9 Average $514 $327 $378 $395

$125,000 to Exposure 588.2 0.9 2.9 0.0 752.2 1.1 59,927.8 86.6 $149,999 Premium 289,808 1.0 849 0.0 313,427 1.1 25,024,453 85.1 Average $493 $291 $417 $418

$150,000 to Exposure 680.7 0.6 1,735.3 1.6 85,169.8 80.7 $174,999 Premium 389,623 0.8 * 796,017 1.7 37,798,459 80.8 Average $572 $459 $444

$175,000 to Exposure 506.8 0.4 3.0 0.0 2,369.9 2.0 92,059.8 77.1 $199,999 Premium 292,186 0.5 1,126 0.0 1,166,594 2.1 43,417,270 78.1 Average $576 $375 $492 $472

$200,000 to Exposure 1,087.2 0.3 4.7 0.0 8,216.0 2.3 271,451.8 75.2 $299,999 Premium 775,495 0.4 1,942 0.0 4,525,149 2.4 145,002,682 77.6 Average $713 $416 $551 $534

$300,000 to Exposure 234.3 0.2 5.2 0.0 3,017.0 2.0 111,919.6 74.7 $399,999 Premium 227,280 0.2 2,692 0.0 2,160,904 2.3 73,318,523 78.2 Average $970 $521 $716 $655

$400,000 to Exposure 86.1 0.2 1,107.4 1.9 41,643.2 73.1 $499,999 Premium 104,176 0.2 * 1,051,162 2.4 33,506,372 77.6 Average $1,210 $949 $805

$500,000 and Exposure 55.9 0.1 1,090.7 2.1 37,592.4 72.0 Over Premium 70,054 0.1 * 1,703,239 2.7 45,994,856 74.0 Average $1,253 $1,562 $1,224

Total Exposure 5,446.3 0.6 20.8 0.0 18,592.0 1.9 736,783.8 76.9 Premium 2,976,964 0.6 8,081 0.0 11,831,197 2.2 418,320,734 78.3 Average $547 $389 $636 $568

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Oregon Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 35.8 3.4 266.2 25.0 1,065.7 100.0 Under Premium 4,917 1.9 75,916 29.8 254,350 100.0 Average $138 $285 $239

$50,000 to Exposure 31.0 1.5 214.4 10.4 2,067.3 100.0 $74,999 Premium 8,170 1.2 103,672 14.9 696,782 100.0 Average $264 $484 $337

$75,000 to Exposure 381.2 4.6 123.8 1.5 8,349.8 100.0 $99,999 Premium 150,581 4.9 80,175 2.6 3,088,722 100.0 Average $395 $648 $370

$100,000 to Exposure 2,674.5 8.4 66.9 0.2 31,846.1 100.0 $124,999 Premium 1,166,962 9.1 57,050 0.4 12,810,227 100.0 Average $436 $853 $402

$125,000 to Exposure 7,859.8 11.4 45.2 0.1 69,176.1 100.0 $149,999 Premium 3,747,441 12.7 41,895 0.1 29,417,873 100.0 Average $477 $928 $425

$150,000 to Exposure 17,988.3 17.0 26.0 0.0 105,600.0 100.0 $174,999 Premium 7,764,430 16.6 31,478 0.1 46,780,007 100.0 Average $432 $1,211 $443

$175,000 to Exposure 24,382.4 20.4 12.0 0.0 119,333.9 100.0 $199,999 Premium 10,675,898 19.2 19,196 0.0 55,572,270 100.0 Average $438 $1,600 $466

$200,000 to Exposure 80,242.8 22.2 28.6 0.0 361,030.9 100.0 $299,999 Premium 36,440,684 19.5 46,817 0.0 186,792,769 100.0 Average $454 $1,638 $517

$300,000 to Exposure 34,727.8 23.2 1.8 0.0 149,905.6 100.0 $399,999 Premium 18,043,940 19.2 2,318 0.0 93,755,657 100.0 Average $520 $1,325 $625

$400,000 to Exposure 14,104.3 24.8 2.0 0.0 56,943.0 100.0 $499,999 Premium 8,495,077 19.7 6,358 0.0 43,163,145 100.0 Average $602 $3,179 $758

$500,000 and Exposure 13,465.3 25.8 1.0 0.0 52,205.3 100.0 Over Premium 14,379,327 23.1 3,210 0.0 62,150,686 100.0 Average $1,068 $3,210 $1,191

Total Exposure 195,893.1 20.5 787.8 0.1 957,523.6 100.0 Premium 100,877,427 18.9 468,085 0.1 534,482,488 100.0 Average $515 $594 $558

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Pennsylvania Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 8,878.5 46.7 787.8 4.1 1,009.8 5.3 5,495.0 28.9 Under Premium 2,087,718 33.9 206,224 3.3 299,554 4.9 2,404,757 39.0 Average $235 $262 $297 $438

$50,000 to Exposure 7,489.0 25.7 345.8 1.2 1,866.2 6.4 13,972.8 48.0 $74,999 Premium 2,772,979 19.4 108,968 0.8 783,469 5.5 7,585,046 53.1 Average $370 $315 $420 $543

$75,000 to Exposure 5,159.6 12.2 305.6 0.7 3,362.4 7.9 29,559.8 69.7 $99,999 Premium 2,320,885 10.4 100,875 0.5 1,566,966 7.0 15,938,305 71.2 Average $450 $330 $466 $539

$100,000 to Exposure 4,823.5 4.5 401.3 0.4 5,880.0 5.5 89,070.8 83.5 $124,999 Premium 2,612,057 4.4 151,117 0.3 2,910,418 4.9 50,316,813 84.7 Average $542 $377 $495 $565

$125,000 to Exposure 2,914.3 1.3 447.1 0.2 8,742.4 3.9 196,122.3 86.7 $149,999 Premium 1,654,762 1.2 184,944 0.1 4,500,488 3.4 118,142,722 88.5 Average $568 $414 $515 $602

$150,000 to Exposure 2,980.1 0.8 407.5 0.1 13,527.9 3.7 307,520.6 84.4 $174,999 Premium 1,866,039 0.8 167,364 0.1 7,934,482 3.4 201,748,918 86.7 Average $626 $411 $587 $656

$175,000 to Exposure 1,657.3 0.4 290.4 0.1 15,269.3 3.8 333,987.4 82.3 $199,999 Premium 1,048,906 0.4 133,441 0.0 9,843,716 3.6 235,125,140 85.0 Average $633 $459 $645 $704

$200,000 to Exposure 3,149.8 0.3 583.1 0.1 43,295.0 3.8 896,492.3 79.1 $299,999 Premium 2,375,434 0.3 287,141 0.0 33,431,748 3.8 727,173,590 81.9 Average $754 $492 $772 $811

$300,000 to Exposure 857.7 0.2 119.8 0.0 16,920.3 3.7 355,741.8 78.1 $399,999 Premium 709,831 0.2 72,629 0.0 16,681,280 3.7 364,301,078 80.6 Average $828 $607 $986 $1,024

$400,000 to Exposure 414.8 0.2 34.0 0.0 6,244.5 3.6 139,027.3 79.1 $499,999 Premium 302,836 0.1 23,739 0.0 7,479,034 3.4 177,575,765 81.8 Average $730 $698 $1,198 $1,277

$500,000 and Exposure 515.8 0.3 38.6 0.0 6,191.2 3.5 136,554.5 76.8 Over Premium 326,102 0.1 41,815 0.0 10,504,990 3.1 260,536,471 77.6 Average $632 $1,084 $1,697 $1,908

Total Exposure 38,840.3 1.2 3,760.8 0.1 122,308.8 3.9 2,503,544.4 79.8 Premium 18,077,549 0.7 1,478,257 0.1 95,936,145 3.6 2,160,848,605 81.9 Average $465 $393 $784 $863

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Pennsylvania Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 241.1 1.3 2,603.2 13.7 19,015.3 100.0 Under Premium 68,354 1.1 1,092,744 17.7 6,159,351 100.0 Average $284 $420 $324

$50,000 to Exposure 639.7 2.2 4,779.1 16.4 29,092.4 100.0 $74,999 Premium 230,384 1.6 2,811,028 19.7 14,291,874 100.0 Average $360 $588 $491

$75,000 to Exposure 1,179.6 2.8 2,868.8 6.8 42,435.8 100.0 $99,999 Premium 490,107 2.2 1,957,107 8.7 22,374,245 100.0 Average $415 $682 $527

$100,000 to Exposure 4,652.6 4.4 1,806.0 1.7 106,634.1 100.0 $124,999 Premium 2,113,596 3.6 1,327,362 2.2 59,431,363 100.0 Average $454 $735 $557

$125,000 to Exposure 17,299.9 7.6 775.3 0.3 226,301.4 100.0 $149,999 Premium 8,319,959 6.2 683,880 0.5 133,486,755 100.0 Average $481 $882 $590

$150,000 to Exposure 39,167.9 10.8 628.9 0.2 364,232.9 100.0 $174,999 Premium 20,251,570 8.7 638,826 0.3 232,607,199 100.0 Average $517 $1,016 $639

$175,000 to Exposure 54,387.7 13.4 317.3 0.1 405,909.3 100.0 $199,999 Premium 30,102,164 10.9 336,178 0.1 276,589,545 100.0 Average $553 $1,060 $681

$200,000 to Exposure 189,770.3 16.7 598.2 0.1 1,133,888.7 100.0 $299,999 Premium 123,531,100 13.9 764,399 0.1 887,563,412 100.0 Average $651 $1,278 $783

$300,000 to Exposure 81,855.5 18.0 155.6 0.0 455,650.5 100.0 $399,999 Premium 69,756,768 15.4 270,997 0.1 451,792,583 100.0 Average $852 $1,742 $992

$400,000 to Exposure 29,950.9 17.0 56.3 0.0 175,727.7 100.0 $499,999 Premium 31,680,041 14.6 121,230 0.1 217,182,645 100.0 Average $1,058 $2,155 $1,236

$500,000 and Exposure 34,454.9 19.4 25.8 0.0 177,780.8 100.0 Over Premium 64,421,652 19.2 57,813 0.0 335,888,843 100.0 Average $1,870 $2,238 $1,889

Total Exposure 453,600.1 14.5 14,614.4 0.5 3,136,668.9 100.0 Premium 350,965,695 13.3 10,061,564 0.4 2,637,367,815 100.0 Average $774 $688 $841

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Rhode Island Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 44.9 1.0 Under Premium 17,853 * 967 * Average $397 $967

$50,000 to Exposure 106.8 31.0 1.1 0.3 216.2 62.8 $74,999 Premium 51,680 27.1 * 692 0.4 127,573 66.9 Average $484 $639 $590

$75,000 to Exposure 267.9 26.7 42.3 4.2 663.3 66.2 $99,999 Premium 172,947 26.1 * 24,043 3.6 454,656 68.5 Average $646 $568 $685

$100,000 to Exposure 441.5 18.6 103.7 4.4 1,742.2 73.3 $124,999 Premium 337,235 18.5 * 84,417 4.6 1,335,988 73.2 Average $764 $814 $767

$125,000 to Exposure 552.3 11.5 205.0 4.3 3,979.4 82.6 $149,999 Premium 501,193 12.4 * 152,691 3.8 3,327,280 82.1 Average $907 $745 $836

$150,000 to Exposure 913.0 7.5 557.3 4.6 10,529.2 86.1 $174,999 Premium 932,131 8.6 * 431,230 4.0 9,217,200 85.5 Average $1,021 $774 $875

$175,000 to Exposure 969.9 5.0 1,587.3 8.2 16,496.3 85.1 $199,999 Premium 1,134,949 6.2 * 1,214,162 6.7 15,534,422 85.5 Average $1,170 $765 $942

$200,000 to Exposure 2,794.7 3.0 2.0 0.0 9,829.4 10.4 79,543.2 84.2 $299,999 Premium 4,276,008 4.1 2,573 0.0 9,222,861 8.8 88,978,680 84.8 Average $1,530 $1,287 $938 $1,119

$300,000 to Exposure 1,285.5 2.6 0.4 0.0 4,927.4 9.8 42,528.7 84.6 $399,999 Premium 2,819,437 3.9 198 0.0 6,280,552 8.7 60,863,122 84.5 Average $2,193 $475 $1,275 $1,431

$400,000 to Exposure 506.6 2.4 3.0 0.0 1,815.5 8.6 18,048.9 85.1 $499,999 Premium 1,461,333 3.9 5,664 0.0 2,897,183 7.7 31,920,917 84.7 Average $2,885 $1,888 $1,596 $1,769

$500,000 and Exposure 399.4 2.0 1,191.2 5.9 17,299.7 85.2 Over Premium 1,524,830 2.9 * 2,712,498 5.2 43,151,000 81.9 Average $3,818 $2,277 $2,494

Total Exposure 8,282.6 3.7 5.4 0.0 20,261.2 8.9 191,059.3 84.4 Premium 13,229,596 4.4 8,091 0.0 23,021,296 7.6 254,843,689 84.1 Average $1,597 $1,494 $1,136 $1,334

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Rhode Island Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 2.3 3.0 Under Premium 268 1,433 * Average $115 $478

$50,000 to Exposure 2.0 0.6 18.0 5.2 344.1 100.0 $74,999 Premium 574 0.3 10,159 5.3 190,678 100.0 Average $287 $564 $554

$75,000 to Exposure 28.3 2.8 1,001.8 100.0 $99,999 Premium * 11,979 1.8 663,625 100.0 Average $423 $662

$100,000 to Exposure 7.3 0.3 81.7 3.4 2,376.3 100.0 $124,999 Premium 3,810 0.2 64,723 3.5 1,826,173 100.0 Average $526 $793 $769

$125,000 to Exposure 21.6 0.4 60.4 1.3 4,818.8 100.0 $149,999 Premium 15,388 0.4 57,582 1.4 4,053,796 100.0 Average $713 $953 $841

$150,000 to Exposure 103.3 0.8 119.7 1.0 12,222.4 100.0 $174,999 Premium 78,091 0.7 121,664 1.1 10,780,316 100.0 Average $756 $1,017 $882

$175,000 to Exposure 266.5 1.4 65.5 0.3 19,385.6 100.0 $199,999 Premium 212,840 1.2 78,047 0.4 18,174,420 100.0 Average $799 $1,192 $938

$200,000 to Exposure 2,086.6 2.2 226.9 0.2 94,482.8 100.0 $299,999 Premium 2,127,886 2.0 329,946 0.3 104,937,954 100.0 Average $1,020 $1,454 $1,111

$300,000 to Exposure 1,441.1 2.9 60.0 0.1 50,243.1 100.0 $399,999 Premium 1,935,171 2.7 113,866 0.2 72,012,346 100.0 Average $1,343 $1,898 $1,433

$400,000 to Exposure 822.7 3.9 13.0 0.1 21,209.7 100.0 $499,999 Premium 1,376,788 3.7 30,093 0.1 37,691,978 100.0 Average $1,674 $2,315 $1,777

$500,000 and Exposure 1,400.3 6.9 3.0 0.0 20,293.5 100.0 Over Premium 5,269,947 10.0 7,291 0.0 52,665,566 100.0 Average $3,764 $2,430 $2,595

Total Exposure 6,153.6 2.7 679.5 0.3 226,441.6 100.0 Premium 11,020,763 3.6 826,783 0.3 302,950,218 100.0 Average $1,791 $1,217 $1,338

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms South Carolina Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 10,617.3 72.4 3.0 0.0 118.1 0.8 1,620.8 11.1 Under Premium 2,688,761 66.8 1,566 0.0 50,373 1.3 265,500 6.6 Average $253 $522 $427 $164

$50,000 to Exposure 3,086.6 29.4 137.4 1.3 4,288.3 40.8 $74,999 Premium 1,240,707 23.0 * 74,780 1.4 2,306,033 42.7 Average $402 $544 $538

$75,000 to Exposure 1,904.2 5.5 1.0 0.0 391.3 1.1 29,575.3 85.0 $99,999 Premium 883,612 4.0 1,307 0.0 232,533 1.1 18,875,343 85.7 Average $464 $1,307 $594 $638

$100,000 to Exposure 1,521.7 1.7 1.0 0.0 1,457.3 1.7 81,872.3 93.3 $124,999 Premium 833,980 1.3 574 0.0 979,030 1.5 60,208,053 93.6 Average $548 $574 $672 $735

$125,000 to Exposure 1,000.3 0.8 1.0 0.0 2,559.8 2.1 115,714.3 95.1 $149,999 Premium 534,923 0.5 516 0.0 1,879,007 1.9 95,755,810 95.6 Average $535 $516 $734 $828

$150,000 to Exposure 874.4 0.7 3.0 0.0 2,870.5 2.2 122,852.1 95.3 $174,999 Premium 522,912 0.4 1,932 0.0 2,271,754 1.9 113,728,208 95.9 Average $598 $644 $791 $926

$175,000 to Exposure 578.5 0.5 3.9 0.0 2,806.3 2.5 108,386.9 95.5 $199,999 Premium 335,512 0.3 3,486 0.0 2,375,240 2.1 109,510,839 96.2 Average $580 $890 $846 $1,010

$200,000 to Exposure 997.6 0.4 8.2 0.0 6,343.3 2.4 252,735.3 95.4 $299,999 Premium 709,966 0.2 10,348 0.0 6,188,444 1.9 306,567,477 96.2 Average $712 $1,267 $976 $1,213

$300,000 to Exposure 290.8 0.3 2.0 0.0 2,280.9 2.4 89,740.6 95.0 $399,999 Premium 224,362 0.2 946 0.0 2,690,797 1.8 141,823,744 96.3 Average $772 $473 $1,180 $1,580

$400,000 to Exposure 99.3 0.2 1,079.6 2.7 38,183.1 94.4 $499,999 Premium 64,540 0.1 * 1,541,102 1.9 76,556,384 96.0 Average $650 $1,427 $2,005

$500,000 and Exposure 179.1 0.4 3.0 0.0 901.1 2.0 41,356.0 91.0 Over Premium 131,035 0.1 4,672 0.0 2,031,748 1.2 150,301,088 91.3 Average $732 $1,557 $2,255 $3,634

Total Exposure 21,149.6 2.2 26.1 0.0 20,945.3 2.2 886,324.9 92.6 Premium 8,170,310 0.7 25,347 0.0 20,314,808 1.8 1,075,898,479 94.5 Average $386 $972 $970 $1,214

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms South Carolina Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 40.3 0.3 2,261.1 15.4 14,660.6 100.0 Under Premium 6,063 0.2 1,012,164 25.2 4,024,427 100.0 Average $151 $448 $275

$50,000 to Exposure 16.8 0.2 2,980.6 28.4 10,509.7 100.0 $74,999 Premium 4,768 0.1 1,778,857 32.9 5,405,145 100.0 Average $285 $597 $514

$75,000 to Exposure 36.3 0.1 2,866.5 8.2 34,774.4 100.0 $99,999 Premium 17,476 0.1 2,009,516 9.1 22,019,787 100.0 Average $482 $701 $633

$100,000 to Exposure 229.4 0.3 2,688.1 3.1 87,769.8 100.0 $124,999 Premium 133,511 0.2 2,195,726 3.4 64,350,874 100.0 Average $582 $817 $733

$125,000 to Exposure 619.2 0.5 1,758.8 1.4 121,653.2 100.0 $149,999 Premium 401,128 0.4 1,603,136 1.6 100,174,520 100.0 Average $648 $912 $823

$150,000 to Exposure 1,088.0 0.8 1,215.1 0.9 128,903.1 100.0 $174,999 Premium 802,983 0.7 1,296,318 1.1 118,624,107 100.0 Average $738 $1,067 $920

$175,000 to Exposure 1,207.6 1.1 500.7 0.4 113,483.8 100.0 $199,999 Premium 960,372 0.8 683,808 0.6 113,869,257 100.0 Average $795 $1,366 $1,003

$200,000 to Exposure 4,155.8 1.6 697.1 0.3 264,937.1 100.0 $299,999 Premium 3,961,388 1.2 1,087,304 0.3 318,524,927 100.0 Average $953 $1,560 $1,202

$300,000 to Exposure 1,989.3 2.1 118.3 0.1 94,421.8 100.0 $399,999 Premium 2,317,348 1.6 230,861 0.2 147,288,058 100.0 Average $1,165 $1,952 $1,560

$400,000 to Exposure 1,065.0 2.6 20.5 0.1 40,447.4 100.0 $499,999 Premium 1,548,026 1.9 43,914 0.1 79,753,966 100.0 Average $1,454 $2,142 $1,972

$500,000 and Exposure 2,986.2 6.6 10.4 0.0 45,435.8 100.0 Over Premium 12,182,689 7.4 39,925 0.0 164,691,157 100.0 Average $4,080 $3,833 $3,625

Total Exposure 13,433.6 1.4 15,117.0 1.6 956,996.5 100.0 Premium 22,335,752 2.0 11,981,529 1.1 1,138,726,225 100.0 Average $1,663 $793 $1,190

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms South Dakota Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 332.8 16.2 146.5 7.1 390.3 19.0 1,134.1 55.3 Under Premium 66,377 6.3 26,064 2.5 199,814 18.8 758,309 71.5 Average $199 $178 $512 $669

$50,000 to Exposure 282.0 8.6 17.0 0.5 671.4 20.5 2,238.3 68.3 $74,999 Premium 87,610 4.8 8,363 0.5 357,836 19.5 1,345,123 73.3 Average $311 $492 $533 $601

$75,000 to Exposure 278.7 3.4 18.7 0.2 647.2 7.9 6,552.9 80.4 $99,999 Premium 88,496 1.7 10,755 0.2 391,963 7.4 4,420,725 83.1 Average $318 $576 $606 $675

$100,000 to Exposure 242.8 1.4 6.0 0.0 798.0 4.6 13,838.3 79.2 $124,999 Premium 107,705 0.9 3,286 0.0 490,711 4.0 9,962,799 80.6 Average $444 $548 $615 $720

$125,000 to Exposure 253.8 1.0 7.6 0.0 762.8 3.0 19,293.5 76.0 $149,999 Premium 107,088 0.6 6,492 0.0 492,784 2.6 14,655,701 76.8 Average $422 $856 $646 $760

$150,000 to Exposure 188.8 0.7 3.1 0.0 720.1 2.7 19,942.3 73.5 $174,999 Premium 88,900 0.4 2,849 0.0 479,093 2.2 16,057,898 74.1 Average $471 $924 $665 $805

$175,000 to Exposure 106.8 0.5 3.0 0.0 583.5 2.7 15,524.3 72.2 $199,999 Premium 66,211 0.4 2,122 0.0 417,523 2.3 13,313,105 72.9 Average $620 $707 $716 $858

$200,000 to Exposure 178.4 0.4 3.9 0.0 891.3 2.1 29,420.3 70.6 $299,999 Premium 120,315 0.3 2,846 0.0 767,248 1.9 29,339,884 71.9 Average $674 $727 $861 $997

$300,000 to Exposure 66.2 0.5 1.4 0.0 124.8 1.0 8,473.9 69.5 $399,999 Premium 43,989 0.3 2,172 0.0 154,510 1.0 10,800,779 71.5 Average $665 $1,533 $1,239 $1,275

$400,000 to Exposure 14.3 0.3 1.0 0.0 48.0 1.2 2,707.3 65.7 $499,999 Premium 18,636 0.3 982 0.0 92,882 1.5 4,326,713 68.4 Average $1,300 $982 $1,935 $1,598

$500,000 and Exposure 12.8 0.3 52.3 1.2 2,715.3 64.2 Over Premium 13,302 0.1 * 206,241 2.1 6,474,971 65.8 Average $1,037 $3,941 $2,385

Total Exposure 1,957.3 1.2 208.2 0.1 5,689.6 3.4 121,840.4 72.9 Premium 808,629 0.5 65,931 0.0 4,050,605 2.7 111,456,007 73.5 Average $413 $317 $712 $915

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms South Dakota Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 5.0 0.2 40.8 2.0 2,049.4 100.0 Under Premium 847 0.1 9,882 0.9 1,061,293 100.0 Average $169 $243 $518

$50,000 to Exposure 46.7 1.4 23.7 0.7 3,279.1 100.0 $74,999 Premium 23,140 1.3 13,646 0.7 1,835,718 100.0 Average $496 $577 $560

$75,000 to Exposure 626.7 7.7 30.6 0.4 8,154.7 100.0 $99,999 Premium 386,715 7.3 19,702 0.4 5,318,356 100.0 Average $617 $644 $652

$100,000 to Exposure 2,571.8 14.7 22.4 0.1 17,479.2 100.0 $124,999 Premium 1,779,210 14.4 13,877 0.1 12,357,588 100.0 Average $692 $619 $707

$125,000 to Exposure 5,059.6 19.9 15.0 0.1 25,392.2 100.0 $149,999 Premium 3,818,480 20.0 13,439 0.1 19,093,984 100.0 Average $755 $896 $752

$150,000 to Exposure 6,255.6 23.1 6.2 0.0 27,115.9 100.0 $174,999 Premium 5,027,691 23.2 5,072 0.0 21,661,503 100.0 Average $804 $822 $799

$175,000 to Exposure 5,282.8 24.6 9.0 0.0 21,509.4 100.0 $199,999 Premium 4,443,913 24.3 8,494 0.0 18,251,368 100.0 Average $841 $944 $849

$200,000 to Exposure 11,194.5 26.8 5.0 0.0 41,693.4 100.0 $299,999 Premium 10,573,125 25.9 6,441 0.0 40,809,859 100.0 Average $944 $1,288 $979

$300,000 to Exposure 3,526.8 28.9 12,193.1 100.0 $399,999 Premium 4,097,540 27.1 * 15,098,990 100.0 Average $1,162 $1,238

$400,000 to Exposure 1,347.1 32.7 1.0 0.0 4,118.7 100.0 $499,999 Premium 1,888,709 29.8 1,280 0.0 6,329,202 100.0 Average $1,402 $1,280 $1,537

$500,000 and Exposure 1,446.2 34.2 4,226.7 100.0 Over Premium 3,152,501 32.0 * 9,847,015 100.0 Average $2,180 $2,330

Total Exposure 37,362.6 22.3 153.6 0.1 167,211.7 100.0 Premium 35,191,871 23.2 91,833 0.1 151,664,876 100.0 Average $942 $598 $907

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Tennessee Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 10,734.0 55.9 3,928.2 20.5 79.0 0.4 1,813.8 9.5 Under Premium 3,334,459 42.9 2,118,775 27.3 48,770 0.6 1,094,222 14.1 Average $311 $539 $617 $603

$50,000 to Exposure 2,016.8 5.8 11,271.8 32.7 299.5 0.9 15,222.7 44.1 $74,999 Premium 1,095,866 4.7 7,548,390 32.0 206,012 0.9 10,734,657 45.6 Average $543 $670 $688 $705

$75,000 to Exposure 1,741.5 1.9 8,176.0 9.0 941.9 1.0 74,023.2 81.4 $99,999 Premium 1,201,128 1.7 6,864,758 9.7 682,493 1.0 57,044,235 80.7 Average $690 $840 $725 $771

$100,000 to Exposure 1,944.3 1.2 3,402.3 2.0 3,120.6 1.9 149,063.1 89.5 $124,999 Premium 1,641,894 1.2 3,442,036 2.4 2,461,418 1.7 126,495,855 89.3 Average $844 $1,012 $789 $849

$125,000 to Exposure 1,516.1 0.8 1,131.0 0.6 4,422.7 2.2 179,701.7 90.7 $149,999 Premium 1,383,538 0.8 1,337,459 0.7 3,855,725 2.1 163,875,214 90.9 Average $913 $1,183 $872 $912

$150,000 to Exposure 1,264.7 0.7 456.2 0.2 4,661.7 2.5 167,947.2 90.5 $174,999 Premium 1,343,922 0.8 617,946 0.3 4,427,550 2.5 161,359,109 90.7 Average $1,063 $1,355 $950 $961

$175,000 to Exposure 846.3 0.6 187.9 0.1 4,262.0 2.8 136,959.0 90.1 $199,999 Premium 924,791 0.6 283,525 0.2 4,276,077 2.8 137,920,673 90.3 Average $1,093 $1,509 $1,003 $1,007

$200,000 to Exposure 1,358.6 0.4 170.1 0.1 8,997.2 2.7 300,189.1 89.9 $299,999 Premium 1,691,465 0.4 284,454 0.1 10,387,925 2.8 339,595,761 90.1 Average $1,245 $1,672 $1,155 $1,131

$300,000 to Exposure 361.8 0.3 24.4 0.0 2,976.8 2.5 107,123.9 89.1 $399,999 Premium 484,925 0.3 51,153 0.0 4,292,172 2.6 147,892,590 89.5 Average $1,340 $2,095 $1,442 $1,381

$400,000 to Exposure 101.2 0.2 7.3 0.0 1,397.6 2.8 43,795.8 87.6 $499,999 Premium 204,125 0.2 21,739 0.0 2,455,083 3.0 72,623,474 88.0 Average $2,018 $2,998 $1,757 $1,658

$500,000 and Exposure 106.1 0.2 7.0 0.0 1,667.3 2.9 45,997.7 79.6 Over Premium 141,848 0.1 19,234 0.0 4,487,845 3.0 112,872,199 76.2 Average $1,337 $2,748 $2,692 $2,454

Total Exposure 21,991.1 1.6 28,762.2 2.0 32,826.2 2.3 1,221,837.0 86.7 Premium 13,447,961 0.9 22,589,469 1.5 37,581,070 2.5 1,331,507,989 87.2 Average $612 $785 $1,145 $1,090

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Tennessee Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 142.5 0.7 2,488.5 13.0 19,185.9 100.0 Under Premium 64,830 0.8 1,113,340 14.3 7,774,396 100.0 Average $455 $447 $405

$50,000 to Exposure 460.0 1.3 5,232.0 15.2 34,502.8 100.0 $74,999 Premium 241,572 1.0 3,733,594 15.8 23,560,091 100.0 Average $525 $714 $683

$75,000 to Exposure 2,224.1 2.4 3,781.4 4.2 90,888.1 100.0 $99,999 Premium 1,562,694 2.2 3,332,400 4.7 70,687,708 100.0 Average $703 $881 $778

$100,000 to Exposure 6,852.5 4.1 2,233.8 1.3 166,616.6 100.0 $124,999 Premium 5,322,710 3.8 2,233,671 1.6 141,597,584 100.0 Average $777 $1,000 $850

$125,000 to Exposure 10,307.8 5.2 1,004.8 0.5 198,084.0 100.0 $149,999 Premium 8,602,312 4.8 1,222,330 0.7 180,276,578 100.0 Average $835 $1,217 $910

$150,000 to Exposure 10,810.3 5.8 483.5 0.3 185,623.5 100.0 $174,999 Premium 9,534,608 5.4 651,053 0.4 177,934,188 100.0 Average $882 $1,347 $959

$175,000 to Exposure 9,441.8 6.2 259.8 0.2 151,956.8 100.0 $199,999 Premium 8,875,859 5.8 380,300 0.2 152,661,225 100.0 Average $940 $1,464 $1,005

$200,000 to Exposure 22,966.8 6.9 361.8 0.1 334,043.5 100.0 $299,999 Premium 24,143,287 6.4 647,692 0.2 376,750,584 100.0 Average $1,051 $1,790 $1,128

$300,000 to Exposure 9,662.2 8.0 47.3 0.0 120,196.3 100.0 $399,999 Premium 12,375,882 7.5 87,072 0.1 165,183,794 100.0 Average $1,281 $1,843 $1,374

$400,000 to Exposure 4,656.2 9.3 10.3 0.0 49,968.3 100.0 $499,999 Premium 7,235,818 8.8 19,978 0.0 82,560,217 100.0 Average $1,554 $1,933 $1,652

$500,000 and Exposure 9,974.2 17.3 10.3 0.0 57,762.5 100.0 Over Premium 30,641,329 20.7 27,961 0.0 148,190,416 100.0 Average $3,072 $2,706 $2,566

Total Exposure 87,498.3 6.2 15,913.6 1.1 1,408,828.3 100.0 Premium 108,600,901 7.1 13,449,391 0.9 1,527,176,781 100.0 Average $1,241 $845 $1,084

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Texas Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 43,491.1 39.2 26,854.5 24.2 7,476.7 6.7 19,342.4 17.4 Under Premium 10,215,260 17.1 17,074,821 28.6 5,873,217 9.8 16,871,285 28.2 Average $235 $636 $786 $872

$50,000 to Exposure 39,409.9 23.2 48,314.8 28.5 31,860.5 18.8 40,237.2 23.7 $74,999 Premium 10,643,913 7.5 39,601,569 28.1 27,103,409 19.2 54,691,099 38.7 Average $270 $820 $851 $1,359

$75,000 to Exposure 36,057.7 12.5 56,731.0 19.7 80,007.3 27.8 98,552.8 34.2 $99,999 Premium 9,104,517 3.0 54,683,532 18.0 74,578,424 24.6 148,304,604 48.8 Average $252 $964 $932 $1,505

$100,000 to Exposure 25,964.7 6.0 68,013.7 15.6 124,322.5 28.5 182,742.5 41.9 $124,999 Premium 6,780,905 1.3 72,556,325 13.7 130,652,381 24.7 281,523,276 53.2 Average $261 $1,067 $1,051 $1,541

$125,000 to Exposure 16,065.7 3.1 75,642.7 14.4 129,707.4 24.7 252,486.3 48.0 $149,999 Premium 4,567,160 0.7 86,674,842 12.4 152,796,721 21.9 391,921,211 56.2 Average $284 $1,146 $1,178 $1,552

$150,000 to Exposure 11,337.4 2.0 87,588.3 15.5 111,405.8 19.7 293,436.8 51.8 $174,999 Premium 3,502,307 0.4 107,624,248 13.5 144,998,599 18.1 462,194,264 57.8 Average $309 $1,229 $1,302 $1,575

$175,000 to Exposure 7,513.7 1.5 81,999.8 16.0 87,354.6 17.1 272,235.2 53.2 $199,999 Premium 2,442,856 0.3 106,714,297 13.9 125,584,418 16.3 447,347,185 58.1 Average $325 $1,301 $1,438 $1,643

$200,000 to Exposure 10,893.0 1.0 183,632.6 16.1 154,124.3 13.5 650,692.1 57.0 $299,999 Premium 4,314,191 0.2 271,234,708 14.0 256,087,641 13.2 1,181,818,292 60.9 Average $396 $1,477 $1,662 $1,816

$300,000 to Exposure 2,020.3 0.5 64,965.9 16.4 42,401.5 10.7 236,527.4 59.8 $399,999 Premium 1,036,178 0.1 117,427,551 14.5 88,355,303 10.9 513,410,920 63.2 Average $513 $1,808 $2,084 $2,171

$400,000 to Exposure 604.8 0.4 24,941.8 14.9 14,539.7 8.7 104,120.8 62.1 $499,999 Premium 451,585 0.1 54,753,872 13.6 36,857,480 9.2 261,648,375 65.0 Average $747 $2,195 $2,535 $2,513

$500,000 and Exposure 374.2 0.2 21,033.2 11.0 11,852.5 6.2 104,182.5 54.5 Over Premium 365,294 0.1 62,389,724 9.0 41,652,922 6.0 382,313,312 55.3 Average $976 $2,966 $3,514 $3,670

Total Exposure 193,732.3 4.3 739,718.3 16.4 795,052.6 17.6 2,254,555.9 50.0 Premium 53,424,166 0.7 990,735,489 13.9 1,084,540,515 15.2 4,142,043,823 57.9 Average $276 $1,339 $1,364 $1,837

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Texas Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 13,783.3 12.4 110,947.9 100.0 Under Premium 9,757,842 16.3 * 59,792,425 100.0 Average $708 $539

$50,000 to Exposure 9,747.8 5.7 169,570.1 100.0 $74,999 Premium 9,126,237 6.5 * 141,166,227 100.0 Average $936 $832

$75,000 to Exposure 16,822.5 5.8 288,171.2 100.0 $99,999 Premium 17,045,692 5.6 * 303,716,769 100.0 Average $1,013 $1,054

$100,000 to Exposure 34,841.5 8.0 435,884.8 100.0 $124,999 Premium 37,830,668 7.1 * 529,343,555 100.0 Average $1,086 $1,214

$125,000 to Exposure 51,849.4 9.9 525,751.5 100.0 $149,999 Premium 61,336,172 8.8 * 697,296,106 100.0 Average $1,183 $1,326

$150,000 to Exposure 62,842.8 11.1 566,611.0 100.0 $174,999 Premium 81,805,886 10.2 * 800,125,304 100.0 Average $1,302 $1,412

$175,000 to Exposure 62,376.6 12.2 511,479.8 100.0 $199,999 Premium 87,550,142 11.4 * 769,638,898 100.0 Average $1,404 $1,505

$200,000 to Exposure 142,710.8 12.5 1,142,052.8 100.0 $299,999 Premium 228,041,082 11.7 * 1,941,495,914 100.0 Average $1,598 $1,700

$300,000 to Exposure 49,677.5 12.6 395,592.6 100.0 $399,999 Premium 91,935,613 11.3 * 812,165,565 100.0 Average $1,851 $2,053

$400,000 to Exposure 23,345.8 13.9 167,552.9 100.0 $499,999 Premium 49,082,913 12.2 * 402,794,225 100.0 Average $2,102 $2,404

$500,000 and Exposure 53,614.7 28.1 191,057.0 100.0 Over Premium 204,023,610 29.5 * 690,744,862 100.0 Average $3,805 $3,615

Total Exposure 521,612.5 11.6 4,504,671.6 100.0 Premium 877,535,857 12.3 * 7,148,279,850 100.0 Average $1,682 $1,587

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Utah Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 750.3 66.7 3.0 0.3 28.6 2.5 316.4 28.1 Under Premium 281,759 54.8 741 0.1 12,597 2.5 214,342 41.7 Average $376 $247 $441 $677

$50,000 to Exposure 209.9 16.0 19.3 1.5 995.3 75.8 $74,999 Premium 56,968 12.5 * 9,490 2.1 365,334 80.5 Average $271 $491 $367

$75,000 to Exposure 268.8 4.2 2.0 0.0 51.6 0.8 5,385.2 85.0 $99,999 Premium 90,257 3.6 519 0.0 25,590 1.0 2,134,913 85.3 Average $336 $260 $496 $396

$100,000 to Exposure 395.0 1.6 3.0 0.0 243.1 1.0 20,255.7 82.9 $124,999 Premium 175,314 1.7 678 0.0 103,751 1.0 8,502,533 82.6 Average $444 $226 $427 $420

$125,000 to Exposure 516.1 1.0 3.0 0.0 776.2 1.5 41,535.0 79.4 $149,999 Premium 239,993 1.0 953 0.0 361,272 1.5 18,526,133 78.3 Average $465 $318 $465 $446

$150,000 to Exposure 697.1 0.9 1,547.3 1.9 56,755.0 70.8 $174,999 Premium 339,056 0.9 * 770,759 2.1 27,569,644 74.4 Average $486 $498 $486

$175,000 to Exposure 557.6 0.7 5.0 0.0 2,077.8 2.5 55,633.4 67.5 $199,999 Premium 297,311 0.7 1,721 0.0 1,097,752 2.8 28,561,437 71.7 Average $533 $344 $528 $513

$200,000 to Exposure 1,079.9 0.5 11.8 0.0 6,693.7 3.1 142,992.3 65.6 $299,999 Premium 641,504 0.6 4,192 0.0 3,997,517 3.4 82,694,802 71.0 Average $594 $354 $597 $578

$300,000 to Exposure 261.8 0.3 7.0 0.0 2,317.8 2.9 51,815.8 64.5 $399,999 Premium 193,693 0.4 3,477 0.0 1,707,153 3.3 36,923,081 71.0 Average $740 $497 $737 $713

$400,000 to Exposure 64.1 0.2 2.0 0.0 704.4 2.3 19,268.3 63.6 $499,999 Premium 44,726 0.2 717 0.0 629,601 2.7 16,771,150 71.1 Average $698 $359 $894 $870

$500,000 and Exposure 40.3 0.1 1.0 0.0 497.4 1.5 22,000.1 65.6 Over Premium 28,537 0.1 407 0.0 647,927 1.5 31,783,387 71.9 Average $709 $407 $1,303 $1,445

Total Exposure 4,840.7 0.8 37.8 0.0 14,957.0 2.5 416,952.4 68.3 Premium 2,389,118 0.7 13,405 0.0 9,363,409 2.7 254,046,756 72.5 Average $494 $354 $626 $609

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Utah Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 16.7 1.5 9.4 0.8 1,124.3 100.0 Under Premium 2,371 0.5 2,087 0.4 513,897 100.0 Average $142 $222 $457

$50,000 to Exposure 63.8 4.9 25.3 1.9 1,313.8 100.0 $74,999 Premium 15,235 3.4 7,048 1.6 454,075 100.0 Average $239 $278 $346

$75,000 to Exposure 604.8 9.5 25.3 0.4 6,337.5 100.0 $99,999 Premium 237,809 9.5 14,283 0.6 2,503,371 100.0 Average $393 $566 $395

$100,000 to Exposure 3,522.6 14.4 28.6 0.1 24,447.9 100.0 $124,999 Premium 1,497,319 14.5 15,920 0.2 10,295,515 100.0 Average $425 $557 $421

$125,000 to Exposure 9,442.3 18.1 20.8 0.0 52,293.4 100.0 $149,999 Premium 4,506,293 19.1 14,210 0.1 23,648,854 100.0 Average $477 $682 $452

$150,000 to Exposure 21,184.2 26.4 21.3 0.0 80,204.8 100.0 $174,999 Premium 8,375,776 22.6 16,684 0.0 37,071,919 100.0 Average $395 $785 $462

$175,000 to Exposure 24,154.2 29.3 10.8 0.0 82,438.8 100.0 $199,999 Premium 9,869,989 24.8 10,408 0.0 39,838,618 100.0 Average $409 $961 $483

$200,000 to Exposure 67,059.3 30.8 10.9 0.0 217,847.9 100.0 $299,999 Premium 29,054,960 25.0 9,537 0.0 116,402,512 100.0 Average $433 $874 $534

$300,000 to Exposure 25,938.4 32.3 1.0 0.0 80,341.7 100.0 $399,999 Premium 13,154,068 25.3 1,226 0.0 51,982,698 100.0 Average $507 $1,226 $647

$400,000 to Exposure 10,263.6 33.9 2.0 0.0 30,304.4 100.0 $499,999 Premium 6,153,802 26.1 2,320 0.0 23,602,316 100.0 Average $600 $1,160 $779

$500,000 and Exposure 10,990.0 32.8 1.0 0.0 33,529.8 100.0 Over Premium 11,721,843 26.5 2,463 0.0 44,184,564 100.0 Average $1,067 $2,463 $1,318

Total Exposure 173,239.8 28.4 156.4 0.0 610,184.2 100.0 Premium 84,589,465 24.1 96,186 0.0 350,498,339 100.0 Average $488 $615 $574

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Vermont Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 517.9 33.8 512.9 33.4 347.1 22.6 140.8 9.2 Under Premium 78,753 19.1 182,357 44.2 110,210 26.7 38,511 9.3 Average $152 $356 $318 $274

$50,000 to Exposure 355.5 18.6 253.6 13.3 615.3 32.2 646.4 33.8 $74,999 Premium 82,509 12.7 101,632 15.7 228,426 35.2 228,722 35.2 Average $232 $401 $371 $354

$75,000 to Exposure 310.5 10.4 289.9 9.7 725.5 24.4 1,620.0 54.4 $99,999 Premium 89,281 7.1 128,720 10.2 322,754 25.6 704,454 55.9 Average $288 $444 $445 $435

$100,000 to Exposure 313.5 6.3 297.6 6.0 557.6 11.2 3,691.9 74.1 $124,999 Premium 110,348 4.5 151,218 6.2 296,821 12.2 1,844,327 75.6 Average $352 $508 $532 $500

$125,000 to Exposure 173.8 2.0 271.7 3.1 536.1 6.1 7,616.4 86.8 $149,999 Premium 84,575 1.7 164,172 3.4 306,338 6.3 4,224,045 86.6 Average $487 $604 $571 $555

$150,000 to Exposure 253.8 1.7 190.9 1.3 667.3 4.5 13,274.3 90.0 $174,999 Premium 131,692 1.5 130,795 1.5 393,409 4.5 7,776,536 89.8 Average $519 $685 $590 $586

$175,000 to Exposure 129.2 0.7 148.9 0.8 668.8 3.7 16,754.1 91.9 $199,999 Premium 73,073 0.6 113,798 1.0 429,032 3.8 10,451,861 91.6 Average $566 $764 $642 $624

$200,000 to Exposure 303.8 0.5 241.0 0.4 1,990.2 3.0 61,013.2 92.6 $299,999 Premium 180,886 0.4 200,210 0.4 1,534,854 3.3 43,620,676 92.5 Average $595 $831 $771 $715

$300,000 to Exposure 95.5 0.3 38.2 0.1 596.3 1.9 29,107.3 92.8 $399,999 Premium 75,354 0.3 38,896 0.1 635,360 2.3 25,737,732 92.5 Average $789 $1,019 $1,066 $884

$400,000 to Exposure 50.8 0.4 18.6 0.1 183.2 1.4 11,673.3 91.8 $499,999 Premium 38,120 0.3 27,181 0.2 246,457 1.8 12,793,596 91.5 Average $751 $1,463 $1,346 $1,096

$500,000 and Exposure 49.1 0.3 9.1 0.1 115.6 0.8 12,984.3 86.0 Over Premium 57,956 0.2 12,934 0.0 236,318 0.9 21,551,077 79.4 Average $1,181 $1,424 $2,045 $1,660

Total Exposure 2,553.3 1.4 2,272.3 1.3 7,002.8 3.9 158,522.0 88.9 Premium 1,002,547 0.7 1,251,913 0.9 4,739,979 3.2 128,971,537 88.4 Average $393 $551 $677 $814

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Vermont Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 4.0 0.3 11.4 0.7 1,534.1 100.0 Under Premium 427 0.1 2,262 0.5 412,520 100.0 Average $107 $198 $269

$50,000 to Exposure 26.4 1.4 12.7 0.7 1,909.9 100.0 $74,999 Premium 2,731 0.4 5,012 0.8 649,032 100.0 Average $103 $396 $340

$75,000 to Exposure 25.5 0.9 5.3 0.2 2,976.8 100.0 $99,999 Premium 11,758 0.9 2,974 0.2 1,259,941 100.0 Average $461 $558 $423

$100,000 to Exposure 113.0 2.3 9.0 0.2 4,982.6 100.0 $124,999 Premium 32,941 1.4 4,385 0.2 2,440,040 100.0 Average $292 $487 $490

$125,000 to Exposure 167.8 1.9 9.6 0.1 8,775.4 100.0 $149,999 Premium 89,033 1.8 7,850 0.2 4,876,013 100.0 Average $530 $819 $556

$150,000 to Exposure 351.5 2.4 17.9 0.1 14,755.6 100.0 $174,999 Premium 207,277 2.4 19,064 0.2 8,658,773 100.0 Average $590 $1,064 $587

$175,000 to Exposure 526.8 2.9 6.0 0.0 18,233.8 100.0 $199,999 Premium 332,762 2.9 7,569 0.1 11,408,095 100.0 Average $632 $1,262 $626

$200,000 to Exposure 2,354.5 3.6 15.2 0.0 65,917.8 100.0 $299,999 Premium 1,622,599 3.4 21,203 0.0 47,180,428 100.0 Average $689 $1,398 $716

$300,000 to Exposure 1,521.0 4.8 4.0 0.0 31,362.3 100.0 $399,999 Premium 1,330,803 4.8 8,029 0.0 27,826,174 100.0 Average $875 $2,007 $887

$400,000 to Exposure 788.8 6.2 12,714.7 100.0 $499,999 Premium 882,758 6.3 * 13,988,112 100.0 Average $1,119 $1,100

$500,000 and Exposure 1,934.7 12.8 15,092.8 100.0 Over Premium 5,297,009 19.5 * 27,155,294 100.0 Average $2,738 $1,799

Total Exposure 7,814.1 4.4 91.1 0.1 178,255.6 100.0 Premium 9,810,098 6.7 78,348 0.1 145,854,422 100.0 Average $1,255 $860 $818

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Virginia Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 2,729.9 59.7 49.8 1.1 1,183.1 25.9 386.0 8.4 Under Premium 417,353 41.2 8,075 0.8 392,716 38.8 136,606 13.5 Average $153 $162 $332 $354

$50,000 to Exposure 1,188.2 19.7 43.7 0.7 600.8 10.0 3,647.9 60.6 $74,999 Premium 352,012 15.0 10,763 0.5 280,822 12.0 1,508,830 64.5 Average $296 $246 $467 $414

$75,000 to Exposure 937.2 3.0 73.7 0.2 1,744.5 5.5 27,311.1 86.8 $99,999 Premium 372,760 2.3 23,832 0.1 885,558 5.5 13,981,155 87.2 Average $398 $324 $508 $512

$100,000 to Exposure 1,048.2 1.2 141.8 0.2 2,619.5 2.9 80,038.3 89.8 $124,999 Premium 618,527 1.2 40,173 0.1 1,447,690 2.8 47,052,683 89.8 Average $590 $283 $553 $588

$125,000 to Exposure 652.3 0.5 65.3 0.0 2,808.7 2.0 127,358.8 89.8 $149,999 Premium 350,418 0.4 26,183 0.0 1,722,246 1.9 82,789,924 90.0 Average $537 $401 $613 $650

$150,000 to Exposure 745.0 0.4 61.1 0.0 2,871.7 1.7 153,360.3 89.0 $174,999 Premium 421,919 0.4 27,686 0.0 1,903,649 1.6 107,075,525 89.5 Average $566 $453 $663 $698

$175,000 to Exposure 491.3 0.3 34.8 0.0 2,674.4 1.5 153,845.0 88.8 $199,999 Premium 265,535 0.2 16,340 0.0 1,911,076 1.5 115,136,807 89.4 Average $540 $469 $715 $748

$200,000 to Exposure 1,161.6 0.2 82.3 0.0 7,330.3 1.3 488,282.3 89.1 $299,999 Premium 707,929 0.2 45,964 0.0 5,992,055 1.3 411,240,324 89.7 Average $609 $558 $817 $842

$300,000 to Exposure 358.4 0.1 13.4 0.0 2,946.8 1.0 262,810.4 89.7 $399,999 Premium 289,478 0.1 6,521 0.0 3,021,661 1.1 257,293,276 90.3 Average $808 $486 $1,025 $979

$400,000 to Exposure 167.0 0.1 9.3 0.0 1,253.2 0.8 132,466.7 89.6 $499,999 Premium 181,661 0.1 8,310 0.0 1,551,447 0.9 152,378,496 90.1 Average $1,088 $890 $1,238 $1,150

$500,000 and Exposure 176.1 0.1 10.5 0.0 1,218.3 0.7 161,038.2 87.4 Over Premium 149,465 0.0 9,847 0.0 2,188,573 0.7 261,178,109 86.6 Average $849 $938 $1,796 $1,622

Total Exposure 9,655.1 0.5 585.8 0.0 27,251.3 1.5 1,590,544.8 88.8 Premium 4,127,057 0.3 223,694 0.0 21,297,493 1.3 1,449,771,735 89.2 Average $427 $382 $782 $911

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Virginia Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 1,347.1 3.7 58.5 1.3 4,574.8 100.0 Under Premium 734,008 4.5 11,823 1.2 1,012,296 100.0 Average $545 $202 $221

$50,000 to Exposure 5,197.3 7.5 84.6 1.4 6,016.8 100.0 $74,999 Premium 3,208,654 6.6 33,618 1.4 2,341,064 100.0 Average $617 $397 $389

$75,000 to Exposure 10,909.9 4.3 62.4 0.2 31,475.9 100.0 $99,999 Premium 7,073,518 4.6 32,785 0.2 16,030,098 100.0 Average $648 $525 $509

$100,000 to Exposure 15,165.1 5.8 55.5 0.1 89,100.5 100.0 $124,999 Premium 10,164,584 6.1 34,604 0.1 52,402,331 100.0 Average $670 $623 $588

$125,000 to Exposure 16,184.8 7.7 35.3 0.0 141,830.1 100.0 $149,999 Premium 11,457,301 7.7 23,192 0.0 91,985,481 100.0 Average $708 $658 $649

$150,000 to Exposure 51,276.2 8.8 26.0 0.0 172,229.2 100.0 $174,999 Premium 40,225,784 8.5 19,674 0.0 119,613,037 100.0 Average $784 $757 $694

$175,000 to Exposure 26,829.2 9.3 19.7 0.0 173,250.0 100.0 $199,999 Premium 24,447,818 8.9 17,366 0.0 128,804,425 100.0 Average $911 $883 $743

$200,000 to Exposure 14,009.8 9.4 26.1 0.0 548,158.8 100.0 $299,999 Premium 15,080,036 8.8 24,439 0.0 458,236,495 100.0 Average $1,076 $937 $836

$300,000 to Exposure 21,731.8 9.2 6.3 0.0 292,964.5 100.0 $399,999 Premium 37,959,814 8.6 5,223 0.0 285,063,977 100.0 Average $1,747 $836 $973

$400,000 to Exposure 163,270.3 9.5 2.0 0.0 147,908.0 100.0 $499,999 Premium 150,552,259 8.9 4,896 0.0 169,204,846 100.0 Average $922 $2,448 $1,144

$500,000 and Exposure 167.4 11.8 5.2 0.0 184,180.1 100.0 Over Premium 45,723 12.6 5,673 0.0 301,491,481 100.0 Average $273 $1,098 $1,637

Total Exposure 451.8 9.1 381.4 0.0 1,791,688.6 100.0 Premium 155,019 9.3 213,293 0.0 1,626,185,531 100.0 Average $343 $559 $908

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Washington Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 1,513.6 70.3 1.0 0.0 1.9 0.1 247.9 11.5 Under Premium 355,213 70.8 138 0.0 1,898 0.4 62,031 12.4 Average $235 $138 $990 $250

$50,000 to Exposure 1,452.8 43.6 2.0 0.1 12.0 0.4 1,469.7 44.1 $74,999 Premium 460,422 39.0 537 0.0 5,043 0.4 542,135 45.9 Average $317 $269 $420 $369

$75,000 to Exposure 1,381.5 12.7 6.0 0.1 48.0 0.4 8,549.0 78.3 $99,999 Premium 565,560 12.0 2,073 0.0 18,577 0.4 3,660,371 77.5 Average $409 $346 $387 $428

$100,000 to Exposure 1,840.9 4.9 1.0 0.0 523.8 1.4 31,866.4 84.9 $124,999 Premium 952,409 5.5 1,033 0.0 212,289 1.2 14,506,161 83.3 Average $517 $1,033 $405 $455

$125,000 to Exposure 1,646.9 2.0 5.0 0.0 1,309.8 1.6 70,926.5 86.3 $149,999 Premium 770,673 1.9 2,317 0.0 656,213 1.6 33,780,618 84.9 Average $468 $463 $501 $476

$150,000 to Exposure 1,940.9 1.5 1.9 0.0 2,538.8 1.9 112,624.7 84.2 $174,999 Premium 1,035,945 1.6 645 0.0 1,352,038 2.0 54,909,054 82.4 Average $534 $337 $533 $488

$175,000 to Exposure 1,801.2 1.1 2.0 0.0 3,785.4 2.2 138,413.1 81.8 $199,999 Premium 1,014,153 1.2 1,001 0.0 2,187,723 2.5 71,161,057 80.9 Average $563 $501 $578 $514

$200,000 to Exposure 4,343.8 0.6 13.0 0.0 15,595.7 2.2 511,012.3 73.2 $299,999 Premium 2,880,854 0.7 7,425 0.0 10,395,954 2.7 311,198,339 79.5 Average $663 $571 $667 $609

$300,000 to Exposure 1,348.0 0.4 9.0 0.0 8,430.3 2.4 252,608.3 72.0 $399,999 Premium 1,233,004 0.5 6,135 0.0 6,833,562 2.9 186,925,237 80.0 Average $915 $682 $811 $740

$400,000 to Exposure 368.3 0.3 3.0 0.0 3,328.5 2.3 101,704.8 71.3 $499,999 Premium 418,907 0.4 2,644 0.0 3,216,358 2.9 90,557,752 80.3 Average $1,137 $881 $966 $890

$500,000 and Exposure 282.2 0.2 2.3 0.0 2,910.8 2.1 98,274.5 70.8 Over Premium 323,125 0.2 3,653 0.0 4,142,526 2.4 130,123,573 74.4 Average $1,145 $1,624 $1,423 $1,324

Total Exposure 17,920.1 1.0 46.2 0.0 38,485.1 2.2 1,327,697.1 75.0 Premium 10,010,265 0.9 27,601 0.0 29,022,181 2.6 897,426,328 79.4 Average $559 $598 $754 $676

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Washington Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 47.1 2.2 342.4 15.9 2,153.9 100.0 Under Premium 6,912 1.4 75,552 15.1 501,744 100.0 Average $147 $221 $233

$50,000 to Exposure 48.2 1.4 346.1 10.4 3,330.7 100.0 $74,999 Premium 16,952 1.4 156,423 13.2 1,181,512 100.0 Average $352 $452 $355

$75,000 to Exposure 656.1 6.0 276.8 2.5 10,917.4 100.0 $99,999 Premium 297,421 6.3 177,950 3.8 4,721,952 100.0 Average $453 $643 $433

$100,000 to Exposure 3,081.3 8.2 221.1 0.6 37,534.6 100.0 $124,999 Premium 1,570,571 9.0 175,850 1.0 17,418,313 100.0 Average $510 $795 $464

$125,000 to Exposure 8,144.6 9.9 120.9 0.1 82,153.7 100.0 $149,999 Premium 4,467,702 11.2 112,833 0.3 39,790,356 100.0 Average $549 $933 $484

$150,000 to Exposure 16,481.8 12.3 117.3 0.1 133,705.5 100.0 $174,999 Premium 9,195,196 13.8 132,884 0.2 66,625,762 100.0 Average $558 $1,133 $498

$175,000 to Exposure 25,104.3 14.8 79.2 0.0 169,185.1 100.0 $199,999 Premium 13,530,453 15.4 94,162 0.1 87,988,549 100.0 Average $539 $1,189 $520

$200,000 to Exposure 167,000.8 23.9 183.4 0.0 698,148.9 100.0 $299,999 Premium 66,487,712 17.0 264,384 0.1 391,234,668 100.0 Average $398 $1,441 $560

$300,000 to Exposure 88,196.4 25.2 34.1 0.0 350,626.1 100.0 $399,999 Premium 38,627,922 16.5 58,093 0.0 233,683,953 100.0 Average $438 $1,704 $666

$400,000 to Exposure 37,211.5 26.1 12.3 0.0 142,628.5 100.0 $499,999 Premium 18,592,908 16.5 25,210 0.0 112,813,779 100.0 Average $500 $2,044 $791

$500,000 and Exposure 37,401.8 26.9 5.0 0.0 138,876.5 100.0 Over Premium 40,346,283 23.1 10,928 0.0 174,950,088 100.0 Average $1,079 $2,186 $1,260

Total Exposure 383,373.8 21.7 1,738.7 0.1 1,769,260.8 100.0 Premium 193,140,032 17.1 1,284,269 0.1 1,130,910,676 100.0 Average $504 $739 $639

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms West Virginia Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 2,021.2 40.6 263.4 5.3 111.9 2.2 2,160.3 43.4 Under Premium 469,319 25.9 89,123 4.9 49,370 2.7 1,019,010 56.2 Average $232 $338 $441 $472

$50,000 to Exposure 1,390.3 13.7 348.0 3.4 273.2 2.7 7,171.5 70.7 $74,999 Premium 483,219 9.3 161,519 3.1 142,029 2.7 3,860,367 74.5 Average $348 $464 $520 $538

$75,000 to Exposure 630.8 2.7 165.5 0.7 922.3 3.9 20,370.4 87.2 $99,999 Premium 255,106 1.9 91,552 0.7 534,050 3.9 12,114,886 88.1 Average $404 $553 $579 $595

$100,000 to Exposure 528.6 1.2 86.2 0.2 1,846.6 4.3 37,824.8 88.6 $124,999 Premium 263,718 1.0 51,235 0.2 1,082,656 4.0 24,598,696 89.8 Average $499 $595 $586 $650

$125,000 to Exposure 275.9 0.5 51.8 0.1 2,336.6 4.5 44,916.3 86.3 $149,999 Premium 133,036 0.4 33,157 0.1 1,426,025 4.0 31,567,383 88.2 Average $482 $641 $610 $703

$150,000 to Exposure 243.9 0.5 30.3 0.1 2,500.6 4.7 43,953.5 82.9 $174,999 Premium 150,471 0.4 13,743 0.0 1,660,384 4.3 33,086,547 85.3 Average $617 $453 $664 $753

$175,000 to Exposure 127.9 0.3 27.1 0.1 2,332.0 5.1 36,385.5 80.4 $199,999 Premium 71,065 0.2 15,659 0.0 1,686,890 4.8 29,287,107 83.0 Average $556 $578 $723 $805

$200,000 to Exposure 257.3 0.3 30.8 0.0 5,186.3 5.2 77,940.7 78.1 $299,999 Premium 162,836 0.2 18,496 0.0 4,341,641 4.9 71,992,161 80.9 Average $633 $600 $837 $924

$300,000 to Exposure 68.3 0.2 8.8 0.0 1,446.5 4.8 23,401.1 76.9 $399,999 Premium 36,267 0.1 5,476 0.0 1,529,205 4.5 27,066,204 79.7 Average $531 $620 $1,057 $1,157

$400,000 to Exposure 24.3 0.2 4.1 0.0 455.5 4.4 7,999.1 77.0 $499,999 Premium 30,217 0.2 4,125 0.0 565,878 4.0 11,239,433 80.1 Average $1,246 $1,010 $1,242 $1,405

$500,000 and Exposure 26.8 0.3 4.3 0.0 390.8 3.8 7,531.0 73.7 Over Premium 12,291 0.1 5,008 0.0 765,085 3.7 15,533,773 75.3 Average $459 $1,156 $1,958 $2,063

Total Exposure 5,595.0 1.5 1,020.3 0.3 17,802.1 4.7 309,654.2 81.0 Premium 2,067,545 0.7 489,093 0.2 13,783,213 4.4 261,365,567 82.8 Average $370 $479 $774 $844

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms West Virginia Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 175.6 3.5 243.6 4.9 4,975.9 100.0 Under Premium 80,281 4.4 107,006 5.9 1,814,109 100.0 Average $457 $439 $365

$50,000 to Exposure 377.3 3.7 581.3 5.7 10,141.5 100.0 $74,999 Premium 220,783 4.3 315,064 6.1 5,182,981 100.0 Average $585 $542 $511

$75,000 to Exposure 830.7 3.6 453.4 1.9 23,373.0 100.0 $99,999 Premium 476,604 3.5 279,699 2.0 13,751,897 100.0 Average $574 $617 $588

$100,000 to Exposure 2,176.4 5.1 241.7 0.6 42,704.3 100.0 $124,999 Premium 1,215,953 4.4 178,436 0.7 27,390,694 100.0 Average $559 $738 $641

$125,000 to Exposure 4,347.4 8.4 115.9 0.2 52,043.9 100.0 $149,999 Premium 2,532,374 7.1 89,564 0.3 35,781,539 100.0 Average $583 $773 $688

$150,000 to Exposure 6,223.0 11.7 87.2 0.2 53,038.5 100.0 $174,999 Premium 3,818,175 9.8 77,696 0.2 38,807,016 100.0 Average $614 $891 $732

$175,000 to Exposure 6,377.9 14.1 33.1 0.1 45,283.5 100.0 $199,999 Premium 4,179,434 11.8 30,110 0.1 35,270,265 100.0 Average $655 $910 $779

$200,000 to Exposure 16,311.2 16.3 73.4 0.1 99,799.6 100.0 $299,999 Premium 12,460,338 14.0 65,030 0.1 89,040,502 100.0 Average $764 $886 $892

$300,000 to Exposure 5,492.8 18.0 23.3 0.1 30,440.8 100.0 $399,999 Premium 5,317,728 15.7 23,255 0.1 33,978,135 100.0 Average $968 $997 $1,116

$400,000 to Exposure 1,895.4 18.3 6.2 0.1 10,384.5 100.0 $499,999 Premium 2,187,867 15.6 8,629 0.1 14,036,149 100.0 Average $1,154 $1,399 $1,352

$500,000 and Exposure 2,265.2 22.2 6.2 0.1 10,224.2 100.0 Over Premium 4,296,381 20.8 16,196 0.1 20,628,734 100.0 Average $1,897 $2,626 $2,018

Total Exposure 46,472.8 12.2 1,865.3 0.5 382,409.7 100.0 Premium 36,785,918 11.7 1,190,685 0.4 315,682,021 100.0 Average $792 $638 $826

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Wisconsin Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 1,420.5 3.4 139.7 0.3 1,123.1 2.7 39,289.2 93.0 Under Premium 297,972 11.9 32,531 1.3 338,181 13.5 1,778,342 71.0 Average $210 $233 $301 $45

$50,000 to Exposure 822.7 6.4 75.9 0.6 1,187.4 9.2 9,941.8 77.1 $74,999 Premium 365,131 6.8 23,286 0.4 469,923 8.7 4,201,438 77.9 Average $444 $307 $396 $423

$75,000 to Exposure 877.9 2.8 47.1 0.1 1,345.3 4.2 26,279.1 82.3 $99,999 Premium 493,716 3.2 19,086 0.1 640,910 4.2 12,685,533 82.8 Average $562 $405 $476 $483

$100,000 to Exposure 883.2 1.2 40.5 0.1 1,518.3 2.0 56,775.5 76.6 $124,999 Premium 615,068 1.6 16,939 0.0 791,705 2.1 29,634,006 78.1 Average $696 $418 $521 $522

$125,000 to Exposure 540.9 0.4 41.9 0.0 1,947.7 1.4 95,786.2 70.3 $149,999 Premium 383,486 0.5 18,446 0.0 1,091,852 1.5 53,243,097 72.9 Average $709 $440 $561 $556

$150,000 to Exposure 568.8 0.3 40.4 0.0 2,459.6 1.3 126,624.8 66.7 $174,999 Premium 421,505 0.4 20,514 0.0 1,413,375 1.3 73,810,349 69.6 Average $741 $508 $575 $583

$175,000 to Exposure 328.2 0.2 17.8 0.0 3,102.0 1.5 129,214.7 63.7 $199,999 Premium 243,155 0.2 8,137 0.0 1,873,746 1.6 79,086,900 66.8 Average $741 $456 $604 $612

$200,000 to Exposure 655.3 0.1 24.3 0.0 10,661.8 1.9 351,294.3 61.4 $299,999 Premium 554,144 0.1 15,960 0.0 7,481,075 2.0 238,120,840 64.3 Average $846 $656 $702 $678

$300,000 to Exposure 160.7 0.1 5.0 0.0 4,162.8 2.1 126,445.2 62.6 $399,999 Premium 176,854 0.1 3,954 0.0 3,735,795 2.4 102,870,593 64.8 Average $1,101 $791 $897 $814

$400,000 to Exposure 68.9 0.1 3.0 0.0 1,283.8 1.9 41,403.8 62.3 $499,999 Premium 99,356 0.2 1,995 0.0 1,482,937 2.3 40,721,778 64.4 Average $1,442 $665 $1,155 $984

$500,000 and Exposure 59.3 0.1 3.0 0.0 1,280.4 2.0 38,914.2 61.1 Over Premium 77,339 0.1 4,270 0.0 2,283,102 2.5 56,512,054 60.7 Average $1,305 $1,423 $1,783 $1,452

Total Exposure 6,386.2 0.4 438.7 0.0 30,072.1 1.9 1,041,968.5 65.4 Premium 3,727,726 0.4 165,118 0.0 21,602,601 2.1 692,664,930 66.4 Average $584 $376 $718 $665

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Wisconsin Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 132.1 0.3 163.4 0.4 42,267.9 100.0 Under Premium 29,915 1.2 29,437 1.2 2,506,378 100.0 Average $226 $180 $59

$50,000 to Exposure 550.3 4.3 315.3 2.4 12,893.3 100.0 $74,999 Premium 202,528 3.8 130,580 2.4 5,392,886 100.0 Average $368 $414 $418

$75,000 to Exposure 3,030.9 9.5 338.3 1.1 31,918.5 100.0 $99,999 Premium 1,301,277 8.5 180,446 1.2 15,320,968 100.0 Average $429 $533 $480

$100,000 to Exposure 14,608.1 19.7 326.3 0.4 74,151.8 100.0 $124,999 Premium 6,656,135 17.6 206,465 0.5 37,920,318 100.0 Average $456 $633 $511

$125,000 to Exposure 37,674.2 27.7 245.9 0.2 136,236.8 100.0 $149,999 Premium 18,156,543 24.9 166,768 0.2 73,060,192 100.0 Average $482 $678 $536

$150,000 to Exposure 59,729.3 31.5 291.4 0.2 189,714.2 100.0 $174,999 Premium 30,208,389 28.5 221,181 0.2 106,095,313 100.0 Average $506 $759 $559

$175,000 to Exposure 69,982.1 34.5 221.3 0.1 202,866.0 100.0 $199,999 Premium 37,030,479 31.3 183,454 0.2 118,425,871 100.0 Average $529 $829 $584

$200,000 to Exposure 208,782.1 36.5 467.9 0.1 571,885.7 100.0 $299,999 Premium 123,487,852 33.4 435,069 0.1 370,094,940 100.0 Average $591 $930 $647

$300,000 to Exposure 70,979.3 35.2 77.9 0.0 201,830.9 100.0 $399,999 Premium 51,798,999 32.6 95,361 0.1 158,681,556 100.0 Average $730 $1,224 $786

$400,000 to Exposure 23,643.1 35.6 13.3 0.0 66,415.9 100.0 $499,999 Premium 20,952,442 33.1 14,854 0.0 63,273,362 100.0 Average $886 $1,114 $953

$500,000 and Exposure 23,377.2 36.7 7.6 0.0 63,641.6 100.0 Over Premium 34,147,598 36.7 11,518 0.0 93,035,881 100.0 Average $1,461 $1,519 $1,462

Total Exposure 512,488.5 32.2 2,468.6 0.2 1,593,822.5 100.0 Premium 323,972,157 31.0 1,675,133 0.2 1,043,807,665 100.0 Average $632 $679 $655

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Wyoming Insurance Range DW % HO-1 % HO-2 % HO-3 % $49,999 and Exposure 90.6 33.7 1.0 0.4 144.8 53.9 Under Premium 27,366 32.3 * 243 0.3 51,633 61.0 Average $302 $243 $357

$50,000 to Exposure 120.1 10.2 6.0 0.5 943.2 79.8 $74,999 Premium 39,632 8.0 * 1,057 0.2 420,683 85.2 Average $330 $176 $446

$75,000 to Exposure 150.1 3.5 21.0 0.5 3,789.2 88.0 $99,999 Premium 63,388 2.6 * 6,383 0.3 2,102,568 86.7 Average $422 $304 $555

$100,000 to Exposure 121.7 1.3 1.0 0.0 110.9 1.2 7,946.8 86.1 $124,999 Premium 84,237 1.3 325 0.0 62,100 1.0 5,247,774 82.6 Average $692 $325 $560 $660

$125,000 to Exposure 96.6 0.7 3.0 0.0 269.3 2.0 11,152.9 83.7 $149,999 Premium 48,497 0.5 1,533 0.0 185,393 1.8 8,392,710 79.6 Average $502 $511 $688 $753

$150,000 to Exposure 61.1 0.4 1.0 0.0 382.4 2.5 12,520.5 81.4 $174,999 Premium 41,000 0.3 458 0.0 301,287 2.2 10,287,369 76.1 Average $671 $458 $788 $822

$175,000 to Exposure 55.3 0.4 1.2 0.0 431.3 3.0 11,741.0 80.9 $199,999 Premium 42,752 0.3 428 0.0 363,672 2.7 10,288,902 75.5 Average $773 $367 $843 $876

$200,000 to Exposure 72.1 0.2 3.0 0.0 1,069.7 3.3 26,204.6 82.1 $299,999 Premium 63,967 0.2 2,030 0.0 1,078,570 3.2 25,952,593 77.5 Average $887 $677 $1,008 $990

$300,000 to Exposure 11.3 0.1 217.9 2.3 8,106.8 84.1 $399,999 Premium 21,271 0.2 * 275,969 2.3 9,698,837 79.7 Average $1,877 $1,266 $1,196

$400,000 to Exposure 5.9 0.2 72.5 2.2 2,769.1 83.0 $499,999 Premium 4,827 0.1 * 110,597 2.2 3,927,717 78.3 Average $816 $1,525 $1,418

$500,000 and Exposure 3.8 0.1 47.6 1.0 3,798.3 80.9 Over Premium 4,298 0.0 * 108,401 0.9 8,493,102 71.5 Average $1,121 $2,278 $2,236

Total Exposure 788.6 0.7 9.2 0.0 2,629.6 2.4 89,117.0 82.7 Premium 441,235 0.4 4,774 0.0 2,493,672 2.3 84,863,888 77.4 Average $560 $521 $948 $952

2013 Average Premium by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms Wyoming Insurance Range HO-5 % HO-8 % Total % $49,999 and Exposure 2.0 0.7 30.4 11.3 268.8 100.0 Under Premium 474 0.6 4,885 5.8 84,601 100.0 Average $237 $161 $315

$50,000 to Exposure 52.4 4.4 60.3 5.1 1,182.0 100.0 $74,999 Premium 11,965 2.4 20,570 4.2 493,907 100.0 Average $228 $341 $418

$75,000 to Exposure 255.8 5.9 89.3 2.1 4,305.3 100.0 $99,999 Premium 218,003 9.0 36,144 1.5 2,426,486 100.0 Average $852 $405 $564

$100,000 to Exposure 1,011.4 11.0 40.4 0.4 9,232.2 100.0 $124,999 Premium 933,043 14.7 22,735 0.4 6,350,214 100.0 Average $923 $563 $688

$125,000 to Exposure 1,763.1 13.2 35.7 0.3 13,320.6 100.0 $149,999 Premium 1,895,613 18.0 21,456 0.2 10,545,202 100.0 Average $1,075 $602 $792

$150,000 to Exposure 2,371.9 15.4 37.8 0.2 15,374.8 100.0 $174,999 Premium 2,857,441 21.1 28,815 0.2 13,516,370 100.0 Average $1,205 $762 $879

$175,000 to Exposure 2,275.0 15.7 14.8 0.1 14,518.5 100.0 $199,999 Premium 2,916,308 21.4 12,136 0.1 13,624,198 100.0 Average $1,282 $823 $938

$200,000 to Exposure 4,570.7 14.3 13.2 0.0 31,933.2 100.0 $299,999 Premium 6,387,220 19.1 13,582 0.0 33,497,962 100.0 Average $1,397 $1,032 $1,049

$300,000 to Exposure 1,305.0 13.5 9,641.1 100.0 $399,999 Premium 2,166,180 17.8 * 12,162,257 100.0 Average $1,660 $1,262

$400,000 to Exposure 486.8 14.6 1.0 0.0 3,335.3 100.0 $499,999 Premium 974,242 19.4 1,831 0.0 5,019,214 100.0 Average $2,001 $1,831 $1,505

$500,000 and Exposure 844.5 18.0 4,694.2 100.0 Over Premium 3,275,482 27.6 * 11,881,283 100.0 Average $3,879 $2,531

Total Exposure 14,938.6 13.9 322.8 0.3 107,805.8 100.0 Premium 21,635,971 19.7 162,154 0.1 109,601,694 100.0 Average $1,448 $502 $1,017

Table 5

2013 Average Premium by Policy Form by Amount of Insurance

Homeowners Tenants and Condominium/ Cooperative Unit Policy Forms

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Countrywide Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 1,656,329.0 72.5 626,799.9 27.5 2,283,128.9 100.0 Under Premium 232,808,291 54.8 192,298,915 45.2 425,107,206 100.0 Average $141 $307 $186

$14,000 to Exposure 1,748,962.7 89.3 210,231.4 10.7 1,959,194.1 100.0 $19,999 Premium 253,758,528 80.0 63,508,879 20.0 317,267,407 100.0 Average $145 $302 $162

$20,000 to Exposure 3,491,454.6 84.1 661,881.8 15.9 4,153,336.4 100.0 $25,999 Premium 568,652,819 68.0 267,371,113 32.0 836,023,932 100.0 Average $163 $404 $201

$26,000 to Exposure 1,770,772.3 78.4 489,290.3 21.6 2,260,062.6 100.0 $31,999 Premium 315,067,050 65.0 169,299,171 35.0 484,366,221 100.0 Average $178 $346 $214

$32,000 to Exposure 772,005.0 69.2 343,340.2 30.8 1,115,345.2 100.0 $37,999 Premium 137,789,428 53.0 122,031,454 47.0 259,820,882 100.0 Average $178 $355 $233

$38,000 to Exposure 622,148.3 64.3 345,164.5 35.7 967,312.8 100.0 $43,999 Premium 127,535,327 49.9 128,211,821 50.1 255,747,148 100.0 Average $205 $371 $264

$44,000 to Exposure 271,187.2 56.5 209,140.8 43.5 480,327.9 100.0 $49,999 Premium 56,795,864 42.2 77,722,600 57.8 134,518,464 100.0 Average $209 $372 $280

$50,000 to Exposure 1,317,109.5 51.6 1,234,577.3 48.4 2,551,686.8 100.0 $74,999 Premium 325,193,700 37.6 539,865,598 62.4 865,059,298 100.0 Average $247 $437 $339

$75,000 to Exposure 315,722.9 39.9 476,067.8 60.1 791,790.8 100.0 $99,999 Premium 99,569,581 29.8 234,006,359 70.2 333,575,940 100.0 Average $315 $492 $421

$100,000 and Exposure 478,775.2 38.1 778,025.3 61.9 1,256,800.4 100.0 Over Premium 219,224,236 25.8 630,759,921 74.2 849,984,157 100.0 Average $458 $811 $676

Total Exposure 12,444,466.6 69.8 5,374,519.2 30.2 17,818,985.8 100.0 Premium 2,336,394,824 49.1 2,425,075,831 50.9 4,761,470,655 100.0 Average $188 $451 $267

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Alabama Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 19,515.2 86.5 3,057.3 13.5 22,572.4 100.0 Under Premium 3,117,060 78.4 858,759 21.6 3,975,819 100.0 Average $160 $281 $176

$14,000 to Exposure 8,885.3 81.3 2,043.8 18.7 10,929.1 100.0 $19,999 Premium 1,759,598 67.4 849,664 32.6 2,609,262 100.0 Average $198 $416 $239

$20,000 to Exposure 40,276.7 91.4 3,766.5 8.6 44,043.2 100.0 $25,999 Premium 8,621,580 82.4 1,840,434 17.6 10,462,014 100.0 Average $214 $489 $238

$26,000 to Exposure 13,904.2 87.4 2,008.8 12.6 15,913.0 100.0 $31,999 Premium 3,431,260 77.9 973,155 22.1 4,404,415 100.0 Average $247 $484 $277

$32,000 to Exposure 6,453.3 85.8 1,067.4 14.2 7,520.7 100.0 $37,999 Premium 1,618,284 80.1 402,144 19.9 2,020,428 100.0 Average $251 $377 $269

$38,000 to Exposure 5,149.8 80.8 1,224.5 19.2 6,374.3 100.0 $43,999 Premium 1,455,826 69.2 647,164 30.8 2,102,990 100.0 Average $283 $529 $330

$44,000 to Exposure 2,190.2 79.6 561.3 20.4 2,751.5 100.0 $49,999 Premium 635,122 73.9 223,807 26.1 858,929 100.0 Average $290 $399 $312

$50,000 to Exposure 13,200.1 80.0 3,293.0 20.0 16,493.1 100.0 $74,999 Premium 4,334,825 70.7 1,792,265 29.3 6,127,090 100.0 Average $328 $544 $371

$75,000 to Exposure 3,466.3 74.6 1,178.9 25.4 4,645.2 100.0 $99,999 Premium 1,368,347 66.9 675,765 33.1 2,044,112 100.0 Average $395 $573 $440

$100,000 and Exposure 5,278.6 73.2 1,933.3 26.8 7,211.9 100.0 Over Premium 2,665,408 62.6 1,590,281 37.4 4,255,689 100.0 Average $505 $823 $590

Total Exposure 118,319.5 85.5 20,134.8 14.5 138,454.3 100.0 Premium 29,007,310 74.6 9,853,438 25.4 38,860,748 100.0 Average $245 $489 $281

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Alaska Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 7,105.8 78.2 1,978.4 21.8 9,084.2 100.0 Under Premium 830,249 68.6 380,508 31.4 1,210,757 100.0 Average $117 $192 $133

$14,000 to Exposure 2,984.9 89.4 353.8 10.6 3,338.7 100.0 $19,999 Premium 395,229 80.8 93,960 19.2 489,189 100.0 Average $132 $266 $147

$20,000 to Exposure 6,885.3 87.7 962.8 12.3 7,848.2 100.0 $25,999 Premium 1,020,762 76.7 309,305 23.3 1,330,067 100.0 Average $148 $321 $169

$26,000 to Exposure 4,288.1 79.5 1,103.8 20.5 5,391.9 100.0 $31,999 Premium 668,310 65.7 348,620 34.3 1,016,930 100.0 Average $156 $316 $189

$32,000 to Exposure 2,100.3 74.7 709.9 25.3 2,810.3 100.0 $37,999 Premium 359,903 61.1 228,695 38.9 588,598 100.0 Average $171 $322 $209

$38,000 to Exposure 1,796.8 72.6 676.5 27.4 2,473.3 100.0 $43,999 Premium 334,500 60.5 218,303 39.5 552,803 100.0 Average $186 $323 $224

$44,000 to Exposure 883.1 67.4 426.9 32.6 1,310.0 100.0 $49,999 Premium 162,849 52.8 145,515 47.2 308,364 100.0 Average $184 $341 $235

$50,000 to Exposure 4,245.2 60.8 2,735.0 39.2 6,980.2 100.0 $74,999 Premium 890,720 45.8 1,054,149 54.2 1,944,869 100.0 Average $210 $385 $279

$75,000 to Exposure 1,261.2 56.3 977.2 43.7 2,238.3 100.0 $99,999 Premium 323,855 43.1 427,226 56.9 751,081 100.0 Average $257 $437 $336

$100,000 and Exposure 1,892.8 55.0 1,547.4 45.0 3,440.3 100.0 Over Premium 623,628 41.1 893,478 58.9 1,517,106 100.0 Average $329 $577 $441

Total Exposure 33,443.4 74.5 11,471.8 25.5 44,915.2 100.0 Premium 5,610,005 57.8 4,099,759 42.2 9,709,764 100.0 Average $168 $357 $216

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Arizona Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 41,700.7 65.4 22,078.6 34.6 63,779.3 100.0 Under Premium 6,416,761 48.4 6,843,148 51.6 13,259,909 100.0 Average $154 $310 $208

$14,000 to Exposure 46,068.3 86.6 7,115.7 13.4 53,183.9 100.0 $19,999 Premium 7,455,764 76.9 2,234,305 23.1 9,690,069 100.0 Average $162 $314 $182

$20,000 to Exposure 67,290.3 81.7 15,047.3 18.3 82,337.6 100.0 $25,999 Premium 11,685,551 70.3 4,945,349 29.7 16,630,900 100.0 Average $174 $329 $202

$26,000 to Exposure 39,061.5 74.1 13,669.0 25.9 52,730.5 100.0 $31,999 Premium 7,415,047 63.1 4,339,020 36.9 11,754,067 100.0 Average $190 $317 $223

$32,000 to Exposure 20,426.4 70.7 8,464.7 29.3 28,891.1 100.0 $37,999 Premium 3,374,375 56.2 2,629,188 43.8 6,003,563 100.0 Average $165 $311 $208

$38,000 to Exposure 15,151.8 64.0 8,535.5 36.0 23,687.3 100.0 $43,999 Premium 3,029,727 52.0 2,791,141 48.0 5,820,868 100.0 Average $200 $327 $246

$44,000 to Exposure 6,154.8 59.5 4,188.7 40.5 10,343.4 100.0 $49,999 Premium 1,221,894 47.3 1,362,637 52.7 2,584,531 100.0 Average $199 $325 $250

$50,000 to Exposure 37,758.0 63.2 21,974.3 36.8 59,732.3 100.0 $74,999 Premium 8,643,646 51.2 8,222,469 48.8 16,866,115 100.0 Average $229 $374 $282

$75,000 to Exposure 9,215.9 55.6 7,365.3 44.4 16,581.3 100.0 $99,999 Premium 2,548,837 47.0 2,877,953 53.0 5,426,790 100.0 Average $277 $391 $327

$100,000 and Exposure 14,036.6 60.3 9,230.9 39.7 23,267.5 100.0 Over Premium 5,163,562 50.4 5,084,084 49.6 10,247,646 100.0 Average $368 $551 $440

Total Exposure 296,864.2 71.6 117,669.9 28.4 414,534.1 100.0 Premium 56,955,164 57.9 41,329,294 42.1 98,284,458 100.0 Average $192 $351 $237

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Arkansas Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 10,233.2 94.5 597.8 5.5 10,830.9 100.0 Under Premium 1,491,857 89.1 183,267 10.9 1,675,124 100.0 Average $146 $307 $155

$14,000 to Exposure 5,945.3 96.5 218.0 3.5 6,163.3 100.0 $19,999 Premium 1,054,195 93.7 70,646 6.3 1,124,841 100.0 Average $177 $324 $183

$20,000 to Exposure 24,032.4 97.5 628.8 2.5 24,661.2 100.0 $25,999 Premium 4,494,933 95.6 206,203 4.4 4,701,136 100.0 Average $187 $328 $191

$26,000 to Exposure 8,910.9 93.8 590.0 6.2 9,500.9 100.0 $31,999 Premium 1,962,262 90.4 207,994 9.6 2,170,256 100.0 Average $220 $353 $228

$32,000 to Exposure 3,727.2 89.3 445.6 10.7 4,172.8 100.0 $37,999 Premium 832,322 83.6 163,238 16.4 995,560 100.0 Average $223 $366 $239

$38,000 to Exposure 2,889.5 86.8 440.6 13.2 3,330.1 100.0 $43,999 Premium 714,175 81.2 165,222 18.8 879,397 100.0 Average $247 $375 $264

$44,000 to Exposure 1,030.3 78.7 278.9 21.3 1,309.2 100.0 $49,999 Premium 264,607 71.6 104,962 28.4 369,569 100.0 Average $257 $376 $282

$50,000 to Exposure 6,965.8 81.8 1,553.3 18.2 8,519.0 100.0 $74,999 Premium 1,974,904 73.9 695,926 26.1 2,670,830 100.0 Average $284 $448 $314

$75,000 to Exposure 1,613.6 70.8 665.3 29.2 2,278.8 100.0 $99,999 Premium 535,676 61.9 330,158 38.1 865,834 100.0 Average $332 $496 $380

$100,000 and Exposure 2,549.9 69.2 1,137.2 30.8 3,687.1 100.0 Over Premium 1,102,335 55.8 873,616 44.2 1,975,951 100.0 Average $432 $768 $536

Total Exposure 67,898.0 91.2 6,555.3 8.8 74,453.3 100.0 Premium 14,427,266 82.8 3,001,232 17.2 17,428,498 100.0 Average $212 $458 $234

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms California Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 274,774.7 64.1 153,959.6 35.9 428,734.3 100.0 Under Premium 42,716,138 47.8 46,724,079 52.2 89,440,217 100.0 Average $155 $303 $209

$14,000 to Exposure 242,253.0 86.4 38,224.0 13.6 280,477.0 100.0 $19,999 Premium 36,457,154 73.7 13,017,561 26.3 49,474,715 100.0 Average $150 $341 $176

$20,000 to Exposure 363,007.3 82.3 78,284.6 17.7 441,291.9 100.0 $25,999 Premium 61,808,124 69.0 27,773,993 31.0 89,582,117 100.0 Average $170 $355 $203

$26,000 to Exposure 263,586.8 81.1 61,553.3 18.9 325,140.2 100.0 $31,999 Premium 48,316,649 68.7 22,041,963 31.3 70,358,612 100.0 Average $183 $358 $216

$32,000 to Exposure 94,744.8 71.9 36,958.7 28.1 131,703.4 100.0 $37,999 Premium 18,001,870 57.9 13,084,906 42.1 31,086,776 100.0 Average $190 $354 $236

$38,000 to Exposure 86,675.3 65.1 46,455.8 34.9 133,131.0 100.0 $43,999 Premium 19,438,299 52.7 17,439,727 47.3 36,878,026 100.0 Average $224 $375 $277

$44,000 to Exposure 37,033.7 61.4 23,270.3 38.6 60,304.0 100.0 $49,999 Premium 8,140,995 47.9 8,837,665 52.1 16,978,660 100.0 Average $220 $380 $282

$50,000 to Exposure 164,391.4 46.4 190,092.2 53.6 354,483.6 100.0 $74,999 Premium 45,368,474 34.5 86,268,690 65.5 131,637,164 100.0 Average $276 $454 $371

$75,000 to Exposure 42,270.8 34.8 79,097.0 65.2 121,367.8 100.0 $99,999 Premium 14,829,021 26.4 41,350,019 73.6 56,179,040 100.0 Average $351 $523 $463

$100,000 and Exposure 69,931.3 38.9 110,022.9 61.1 179,954.2 100.0 Over Premium 37,879,385 29.4 91,163,170 70.6 129,042,555 100.0 Average $542 $829 $717

Total Exposure 1,638,668.9 66.7 817,918.3 33.3 2,456,587.3 100.0 Premium 332,956,109 47.5 367,701,773 52.5 700,657,882 100.0 Average $203 $450 $285

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Colorado Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 42,336.9 57.5 31,247.8 42.5 73,584.7 100.0 Under Premium 5,330,826 45.0 6,518,492 55.0 11,849,318 100.0 Average $126 $209 $161

$14,000 to Exposure 32,111.6 80.4 7,851.6 19.6 39,963.2 100.0 $19,999 Premium 4,566,368 69.6 1,997,179 30.4 6,563,547 100.0 Average $142 $254 $164

$20,000 to Exposure 84,705.2 79.1 22,364.0 20.9 107,069.2 100.0 $25,999 Premium 12,844,897 68.4 5,925,016 31.6 18,769,913 100.0 Average $152 $265 $175

$26,000 to Exposure 47,782.6 71.9 18,630.8 28.1 66,413.3 100.0 $31,999 Premium 7,686,848 60.6 4,987,732 39.4 12,674,580 100.0 Average $161 $268 $191

$32,000 to Exposure 19,365.5 61.9 11,923.3 38.1 31,288.8 100.0 $37,999 Premium 3,008,831 47.9 3,266,897 52.1 6,275,728 100.0 Average $155 $274 $201

$38,000 to Exposure 16,020.2 58.0 11,608.8 42.0 27,628.9 100.0 $43,999 Premium 2,826,016 46.3 3,284,136 53.7 6,110,152 100.0 Average $176 $283 $221

$44,000 to Exposure 7,072.3 53.0 6,262.2 47.0 13,334.5 100.0 $49,999 Premium 1,205,423 39.7 1,827,987 60.3 3,033,410 100.0 Average $170 $292 $227

$50,000 to Exposure 40,880.7 49.5 41,626.9 50.5 82,507.6 100.0 $74,999 Premium 7,960,349 37.0 13,545,579 63.0 21,505,928 100.0 Average $195 $325 $261

$75,000 to Exposure 10,409.5 39.6 15,844.8 60.4 26,254.3 100.0 $99,999 Premium 2,438,958 29.6 5,790,922 70.4 8,229,880 100.0 Average $234 $365 $313

$100,000 and Exposure 17,294.4 36.5 30,131.9 63.5 47,426.3 100.0 Over Premium 5,542,587 25.4 16,284,245 74.6 21,826,832 100.0 Average $320 $540 $460

Total Exposure 317,978.8 61.7 197,491.9 38.3 515,470.8 100.0 Premium 53,411,103 45.7 63,428,185 54.3 116,839,288 100.0 Average $168 $321 $227

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Connecticut Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 13,561.6 67.4 6,572.6 32.6 20,134.2 100.0 Under Premium 1,698,775 57.0 1,279,942 43.0 2,978,717 100.0 Average $125 $195 $148

$14,000 to Exposure 18,661.1 82.3 4,020.8 17.7 22,681.9 100.0 $19,999 Premium 2,582,864 72.5 977,830 27.5 3,560,694 100.0 Average $138 $243 $157

$20,000 to Exposure 35,185.8 80.3 8,607.0 19.7 43,792.8 100.0 $25,999 Premium 5,750,595 72.1 2,228,293 27.9 7,978,888 100.0 Average $163 $259 $182

$26,000 to Exposure 18,689.1 63.6 10,704.5 36.4 29,393.6 100.0 $31,999 Premium 3,566,024 55.2 2,892,303 44.8 6,458,327 100.0 Average $191 $270 $220

$32,000 to Exposure 8,963.6 55.5 7,180.2 44.5 16,143.8 100.0 $37,999 Premium 1,724,481 46.3 1,997,803 53.7 3,722,284 100.0 Average $192 $278 $231

$38,000 to Exposure 6,291.8 45.6 7,520.8 54.4 13,812.7 100.0 $43,999 Premium 1,396,257 39.9 2,102,435 60.1 3,498,692 100.0 Average $222 $280 $253

$44,000 to Exposure 3,124.3 37.8 5,135.5 62.2 8,259.8 100.0 $49,999 Premium 754,210 32.6 1,560,969 67.4 2,315,179 100.0 Average $241 $304 $280

$50,000 to Exposure 12,894.0 32.7 26,542.0 67.3 39,436.0 100.0 $74,999 Premium 3,604,153 28.0 9,258,647 72.0 12,862,800 100.0 Average $280 $349 $326

$75,000 to Exposure 3,011.3 22.3 10,507.1 77.7 13,518.3 100.0 $99,999 Premium 1,072,916 20.1 4,274,832 79.9 5,347,748 100.0 Average $356 $407 $396

$100,000 and Exposure 5,372.8 25.2 15,917.7 74.8 21,290.5 100.0 Over Premium 3,036,499 24.0 9,623,778 76.0 12,660,277 100.0 Average $565 $605 $595

Total Exposure 125,755.3 55.0 102,708.2 45.0 228,463.5 100.0 Premium 25,186,774 41.0 36,196,832 59.0 61,383,606 100.0 Average $200 $352 $269

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Delaware Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 3,043.8 65.2 1,622.2 34.8 4,665.9 100.0 Under Premium 391,881 50.3 386,939 49.7 778,820 100.0 Average $129 $239 $167

$14,000 to Exposure 5,944.4 88.6 768.5 11.4 6,712.9 100.0 $19,999 Premium 661,827 74.8 223,354 25.2 885,181 100.0 Average $111 $291 $132

$20,000 to Exposure 14,358.6 90.3 1,535.8 9.7 15,894.4 100.0 $25,999 Premium 2,006,471 81.9 443,612 18.1 2,450,083 100.0 Average $140 $289 $154

$26,000 to Exposure 5,530.5 78.5 1,518.1 21.5 7,048.6 100.0 $31,999 Premium 822,549 64.4 454,498 35.6 1,277,047 100.0 Average $149 $299 $181

$32,000 to Exposure 2,605.0 67.2 1,270.8 32.8 3,875.8 100.0 $37,999 Premium 387,946 49.5 396,503 50.5 784,449 100.0 Average $149 $312 $202

$38,000 to Exposure 1,579.5 59.6 1,072.0 40.4 2,651.5 100.0 $43,999 Premium 274,986 45.4 331,090 54.6 606,076 100.0 Average $174 $309 $229

$44,000 to Exposure 829.7 51.3 788.4 48.7 1,618.1 100.0 $49,999 Premium 145,459 36.0 258,489 64.0 403,948 100.0 Average $175 $328 $250

$50,000 to Exposure 3,524.1 44.7 4,368.1 55.3 7,892.2 100.0 $74,999 Premium 696,406 29.6 1,653,185 70.4 2,349,591 100.0 Average $198 $378 $298

$75,000 to Exposure 749.9 34.8 1,405.8 65.2 2,155.7 100.0 $99,999 Premium 195,739 24.9 591,942 75.1 787,681 100.0 Average $261 $421 $365

$100,000 and Exposure 1,122.2 32.6 2,320.9 67.4 3,443.1 100.0 Over Premium 376,622 21.8 1,350,119 78.2 1,726,741 100.0 Average $336 $582 $502

Total Exposure 39,287.6 70.2 16,670.6 29.8 55,958.2 100.0 Premium 5,959,886 49.5 6,089,731 50.5 12,049,617 100.0 Average $152 $365 $215

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms District of Columbia Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 6,758.8 60.1 4,483.2 39.9 11,241.9 100.0 Under Premium 903,399 44.3 1,134,972 55.7 2,038,371 100.0 Average $134 $253 $181

$14,000 to Exposure 7,927.7 80.7 1,901.3 19.3 9,829.0 100.0 $19,999 Premium 1,003,924 66.4 507,097 33.6 1,511,021 100.0 Average $127 $267 $154

$20,000 to Exposure 17,626.3 81.4 4,017.3 18.6 21,643.5 100.0 $25,999 Premium 2,386,330 66.8 1,187,038 33.2 3,573,368 100.0 Average $135 $295 $165

$26,000 to Exposure 8,172.9 68.2 3,804.9 31.8 11,977.8 100.0 $31,999 Premium 1,266,033 52.6 1,139,086 47.4 2,405,119 100.0 Average $155 $299 $201

$32,000 to Exposure 3,989.5 57.1 2,997.4 42.9 6,986.9 100.0 $37,999 Premium 622,059 40.2 925,701 59.8 1,547,760 100.0 Average $156 $309 $222

$38,000 to Exposure 2,670.3 54.5 2,231.0 45.5 4,901.3 100.0 $43,999 Premium 464,495 39.1 724,041 60.9 1,188,536 100.0 Average $174 $325 $242

$44,000 to Exposure 1,340.3 46.4 1,550.3 53.6 2,890.5 100.0 $49,999 Premium 236,378 32.3 494,395 67.7 730,773 100.0 Average $176 $319 $253

$50,000 to Exposure 5,032.8 41.2 7,175.2 58.8 12,207.9 100.0 $74,999 Premium 1,007,750 26.8 2,758,102 73.2 3,765,852 100.0 Average $200 $384 $308

$75,000 to Exposure 1,117.3 30.8 2,510.0 69.2 3,627.3 100.0 $99,999 Premium 292,854 21.1 1,095,800 78.9 1,388,654 100.0 Average $262 $437 $383

$100,000 and Exposure 2,007.4 28.9 4,943.8 71.1 6,951.2 100.0 Over Premium 788,816 17.8 3,642,878 82.2 4,431,694 100.0 Average $393 $737 $638

Total Exposure 56,643.1 61.4 35,614.3 38.6 92,257.3 100.0 Premium 8,972,038 39.7 13,609,110 60.3 22,581,148 100.0 Average $158 $382 $245

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Florida Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 72,948.9 44.0 92,953.1 56.0 165,902.0 100.0 Under Premium 12,501,082 18.7 54,183,407 81.3 66,684,489 100.0 Average $171 $583 $402

$14,000 to Exposure 77,571.2 78.1 21,755.5 21.9 99,326.7 100.0 $19,999 Premium 8,712,999 45.8 10,328,236 54.2 19,041,235 100.0 Average $112 $475 $192

$20,000 to Exposure 74,914.5 30.1 174,124.2 69.9 249,038.7 100.0 $25,999 Premium 13,014,337 9.3 127,304,115 90.7 140,318,452 100.0 Average $174 $731 $563

$26,000 to Exposure 43,366.9 43.1 57,310.1 56.9 100,677.0 100.0 $31,999 Premium 8,776,012 16.5 44,517,314 83.5 53,293,326 100.0 Average $202 $777 $529

$32,000 to Exposure 14,838.3 24.1 46,750.5 75.9 61,588.8 100.0 $37,999 Premium 3,347,610 8.7 35,064,943 91.3 38,412,553 100.0 Average $226 $750 $624

$38,000 to Exposure 14,160.8 24.7 43,257.1 75.3 57,417.9 100.0 $43,999 Premium 3,536,043 9.2 34,822,866 90.8 38,358,909 100.0 Average $250 $805 $668

$44,000 to Exposure 5,153.3 19.5 21,279.3 80.5 26,432.6 100.0 $49,999 Premium 1,424,202 7.3 18,023,146 92.7 19,447,348 100.0 Average $276 $847 $736

$50,000 to Exposure 34,705.7 23.9 110,219.7 76.1 144,925.3 100.0 $74,999 Premium 11,308,383 8.4 124,063,601 91.6 135,371,984 100.0 Average $326 $1,126 $934

$75,000 to Exposure 8,166.7 19.4 33,999.3 80.6 42,166.0 100.0 $99,999 Premium 3,558,069 7.1 46,567,329 92.9 50,125,398 100.0 Average $436 $1,370 $1,189

$100,000 and Exposure 13,121.4 18.6 57,479.9 81.4 70,601.3 100.0 Over Premium 8,594,711 5.5 147,920,846 94.5 156,515,557 100.0 Average $655 $2,573 $2,217

Total Exposure 358,947.7 35.3 659,128.6 64.7 1,018,076.3 100.0 Premium 74,773,448 10.4 642,795,803 89.6 717,569,251 100.0 Average $208 $975 $705

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Georgia Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 55,883.3 86.6 8,657.2 13.4 64,540.5 100.0 Under Premium 9,043,584 78.1 2,541,455 21.9 11,585,039 100.0 Average $162 $294 $180

$14,000 to Exposure 51,889.7 95.4 2,530.0 4.6 54,419.7 100.0 $19,999 Premium 8,825,227 91.4 827,211 8.6 9,652,438 100.0 Average $170 $327 $177

$20,000 to Exposure 146,059.7 93.1 10,833.5 6.9 156,893.2 100.0 $25,999 Premium 28,972,459 89.4 3,442,316 10.6 32,414,775 100.0 Average $198 $318 $207

$26,000 to Exposure 45,759.1 84.6 8,310.4 15.4 54,069.5 100.0 $31,999 Premium 10,939,301 78.9 2,922,763 21.1 13,862,064 100.0 Average $239 $352 $256

$32,000 to Exposure 18,838.3 75.7 6,052.6 24.3 24,890.9 100.0 $37,999 Premium 4,574,129 67.2 2,236,214 32.8 6,810,343 100.0 Average $243 $369 $274

$38,000 to Exposure 13,480.1 70.5 5,640.6 29.5 19,120.7 100.0 $43,999 Premium 3,798,639 63.5 2,184,598 36.5 5,983,237 100.0 Average $282 $387 $313

$44,000 to Exposure 5,194.5 61.0 3,320.5 39.0 8,515.0 100.0 $49,999 Premium 1,552,197 53.2 1,366,412 46.8 2,918,609 100.0 Average $299 $412 $343

$50,000 to Exposure 30,965.8 63.2 18,033.3 36.8 48,999.2 100.0 $74,999 Premium 10,321,091 55.3 8,329,644 44.7 18,650,735 100.0 Average $333 $462 $381

$75,000 to Exposure 7,231.8 52.3 6,601.9 47.7 13,833.7 100.0 $99,999 Premium 3,031,657 45.7 3,604,379 54.3 6,636,036 100.0 Average $419 $546 $480

$100,000 and Exposure 12,156.2 51.0 11,682.8 49.0 23,838.9 100.0 Over Premium 6,493,761 40.8 9,403,928 59.2 15,897,689 100.0 Average $534 $805 $667

Total Exposure 387,458.4 82.6 81,662.8 17.4 469,121.2 100.0 Premium 87,552,045 70.4 36,858,920 29.6 124,410,965 100.0 Average $226 $451 $265

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Hawaii Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 12,846.3 40.7 18,746.0 59.3 31,592.3 100.0 Under Premium 1,753,132 37.8 2,886,791 62.2 4,639,923 100.0 Average $136 $154 $147

$14,000 to Exposure 4,049.3 51.4 3,830.9 48.6 7,880.2 100.0 $19,999 Premium 700,591 47.1 786,970 52.9 1,487,561 100.0 Average $173 $205 $189

$20,000 to Exposure 8,716.8 31.1 19,303.7 68.9 28,020.5 100.0 $25,999 Premium 1,574,121 28.5 3,953,824 71.5 5,527,945 100.0 Average $181 $205 $197

$26,000 to Exposure 4,997.8 37.2 8,448.0 62.8 13,445.8 100.0 $31,999 Premium 992,784 33.0 2,017,202 67.0 3,009,986 100.0 Average $199 $239 $224

$32,000 to Exposure 3,274.7 15.8 17,425.5 84.2 20,700.2 100.0 $37,999 Premium 719,433 16.1 3,758,007 83.9 4,477,440 100.0 Average $220 $216 $216

$38,000 to Exposure 2,003.8 26.9 5,446.3 73.1 7,450.1 100.0 $43,999 Premium 507,595 27.5 1,341,284 72.5 1,848,879 100.0 Average $253 $246 $248

$44,000 to Exposure 946.7 27.6 2,481.5 72.4 3,428.2 100.0 $49,999 Premium 260,411 27.7 679,243 72.3 939,654 100.0 Average $275 $274 $274

$50,000 to Exposure 5,004.6 27.5 13,224.5 72.5 18,229.1 100.0 $74,999 Premium 1,539,962 25.9 4,409,835 74.1 5,949,797 100.0 Average $308 $333 $326

$75,000 to Exposure 1,470.4 32.0 3,125.1 68.0 4,595.5 100.0 $99,999 Premium 575,450 30.1 1,334,962 69.9 1,910,412 100.0 Average $391 $427 $416

$100,000 and Exposure 2,151.0 33.5 4,278.6 66.5 6,429.6 100.0 Over Premium 1,163,415 26.0 3,314,806 74.0 4,478,221 100.0 Average $541 $775 $697

Total Exposure 45,461.3 32.1 96,310.1 67.9 141,771.3 100.0 Premium 9,786,894 28.6 24,482,924 71.4 34,269,818 100.0 Average $215 $254 $242

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Idaho Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 7,976.0 88.7 1,019.8 11.3 8,995.8 100.0 Under Premium 808,333 77.7 231,927 22.3 1,040,260 100.0 Average $101 $227 $116

$14,000 to Exposure 4,749.3 93.2 347.3 6.8 5,096.5 100.0 $19,999 Premium 640,467 87.8 88,887 12.2 729,354 100.0 Average $135 $256 $143

$20,000 to Exposure 14,092.8 93.8 938.6 6.2 15,031.4 100.0 $25,999 Premium 1,902,575 88.7 242,870 11.3 2,145,445 100.0 Average $135 $259 $143

$26,000 to Exposure 7,743.0 90.0 860.5 10.0 8,603.5 100.0 $31,999 Premium 1,084,509 83.3 217,297 16.7 1,301,806 100.0 Average $140 $253 $151

$32,000 to Exposure 3,391.3 86.4 534.0 13.6 3,925.3 100.0 $37,999 Premium 486,488 77.7 139,418 22.3 625,906 100.0 Average $143 $261 $159

$38,000 to Exposure 2,919.3 85.1 511.7 14.9 3,430.9 100.0 $43,999 Premium 473,022 77.3 138,925 22.7 611,947 100.0 Average $162 $272 $178

$44,000 to Exposure 997.2 77.3 292.8 22.7 1,290.0 100.0 $49,999 Premium 164,842 67.0 81,065 33.0 245,907 100.0 Average $165 $277 $191

$50,000 to Exposure 7,642.8 77.6 2,211.3 22.4 9,854.2 100.0 $74,999 Premium 1,479,393 67.6 709,664 32.4 2,189,057 100.0 Average $194 $321 $222

$75,000 to Exposure 1,840.5 65.8 954.6 34.2 2,795.1 100.0 $99,999 Premium 445,602 56.5 342,695 43.5 788,297 100.0 Average $242 $359 $282

$100,000 and Exposure 2,784.8 58.3 1,991.7 41.7 4,776.4 100.0 Over Premium 890,914 43.3 1,165,602 56.7 2,056,516 100.0 Average $320 $585 $431

Total Exposure 54,136.9 84.9 9,662.2 15.1 63,799.1 100.0 Premium 8,376,145 71.4 3,358,350 28.6 11,734,495 100.0 Average $155 $348 $184

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Illinois Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 64,820.8 68.1 30,394.7 31.9 95,215.4 100.0 Under Premium 8,457,192 53.9 7,242,258 46.1 15,699,450 100.0 Average $130 $238 $165

$14,000 to Exposure 67,106.9 80.1 16,688.7 19.9 83,795.6 100.0 $19,999 Premium 9,999,475 70.0 4,289,383 30.0 14,288,858 100.0 Average $149 $257 $171

$20,000 to Exposure 124,930.1 74.7 42,209.8 25.3 167,139.9 100.0 $25,999 Premium 19,055,237 63.5 10,959,626 36.5 30,014,863 100.0 Average $153 $260 $180

$26,000 to Exposure 71,990.9 64.3 39,885.3 35.7 111,876.2 100.0 $31,999 Premium 12,007,899 52.7 10,772,590 47.3 22,780,489 100.0 Average $167 $270 $204

$32,000 to Exposure 31,471.5 53.0 27,916.7 47.0 59,388.2 100.0 $37,999 Premium 5,212,707 40.6 7,614,641 59.4 12,827,348 100.0 Average $166 $273 $216

$38,000 to Exposure 27,494.0 48.1 29,629.2 51.9 57,123.2 100.0 $43,999 Premium 4,963,734 37.9 8,116,143 62.1 13,079,877 100.0 Average $181 $274 $229

$44,000 to Exposure 11,749.2 41.3 16,713.9 58.7 28,463.1 100.0 $49,999 Premium 2,212,396 31.8 4,742,420 68.2 6,954,816 100.0 Average $188 $284 $244

$50,000 to Exposure 55,545.3 37.0 94,457.8 63.0 150,003.2 100.0 $74,999 Premium 11,855,109 27.5 31,256,761 72.5 43,111,870 100.0 Average $213 $331 $287

$75,000 to Exposure 12,465.6 25.8 35,798.1 74.2 48,263.7 100.0 $99,999 Premium 3,344,164 19.7 13,664,660 80.3 17,008,824 100.0 Average $268 $382 $352

$100,000 and Exposure 17,672.3 23.8 56,550.4 76.2 74,222.8 100.0 Over Premium 6,524,331 16.3 33,518,307 83.7 40,042,638 100.0 Average $369 $593 $539

Total Exposure 485,246.6 55.4 390,244.5 44.6 875,491.1 100.0 Premium 83,632,244 38.8 132,176,789 61.2 215,809,033 100.0 Average $172 $339 $247

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Indiana Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 37,433.7 90.0 4,137.2 10.0 41,570.8 100.0 Under Premium 5,073,304 83.0 1,040,323 17.0 6,113,627 100.0 Average $136 $251 $147

$14,000 to Exposure 42,108.8 97.7 988.8 2.3 43,097.6 100.0 $19,999 Premium 7,011,272 96.7 235,934 3.3 7,247,206 100.0 Average $167 $239 $168

$20,000 to Exposure 69,936.0 95.4 3,347.6 4.6 73,283.6 100.0 $25,999 Premium 11,494,848 93.4 817,834 6.6 12,312,682 100.0 Average $164 $244 $168

$26,000 to Exposure 34,721.0 90.4 3,667.6 9.6 38,388.6 100.0 $31,999 Premium 6,400,964 88.3 849,014 11.7 7,249,978 100.0 Average $184 $231 $189

$32,000 to Exposure 13,786.8 83.8 2,664.8 16.2 16,451.6 100.0 $37,999 Premium 2,578,322 80.2 637,623 19.8 3,215,945 100.0 Average $187 $239 $195

$38,000 to Exposure 10,494.3 77.4 3,057.6 22.6 13,551.8 100.0 $43,999 Premium 2,194,375 74.1 766,575 25.9 2,960,950 100.0 Average $209 $251 $218

$44,000 to Exposure 4,210.9 70.4 1,769.6 29.6 5,980.5 100.0 $49,999 Premium 902,725 67.1 442,803 32.9 1,345,528 100.0 Average $214 $250 $225

$50,000 to Exposure 21,481.9 63.5 12,328.4 36.5 33,810.3 100.0 $74,999 Premium 5,330,045 60.2 3,527,681 39.8 8,857,726 100.0 Average $248 $286 $262

$75,000 to Exposure 4,677.4 44.0 5,960.2 56.0 10,637.6 100.0 $99,999 Premium 1,422,537 42.6 1,915,871 57.4 3,338,408 100.0 Average $304 $321 $314

$100,000 and Exposure 5,937.7 39.3 9,179.9 60.7 15,117.6 100.0 Over Premium 2,281,007 36.7 3,930,574 63.3 6,211,581 100.0 Average $384 $428 $411

Total Exposure 244,788.4 83.9 47,101.6 16.1 291,890.0 100.0 Premium 44,689,399 75.9 14,164,232 24.1 58,853,631 100.0 Average $183 $301 $202

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Iowa Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 11,663.8 69.9 5,023.3 30.1 16,687.1 100.0 Under Premium 1,260,309 65.8 654,772 34.2 1,915,081 100.0 Average $108 $130 $115

$14,000 to Exposure 17,680.1 97.4 465.9 2.6 18,146.0 100.0 $19,999 Premium 2,293,710 96.2 91,825 3.8 2,385,535 100.0 Average $130 $197 $131

$20,000 to Exposure 39,569.2 93.9 2,550.7 6.1 42,119.8 100.0 $25,999 Premium 5,300,178 90.9 527,778 9.1 5,827,956 100.0 Average $134 $207 $138

$26,000 to Exposure 22,771.0 85.7 3,792.1 14.3 26,563.1 100.0 $31,999 Premium 3,126,845 84.4 577,989 15.6 3,704,834 100.0 Average $137 $152 $139

$32,000 to Exposure 11,021.9 84.0 2,094.8 16.0 13,116.8 100.0 $37,999 Premium 1,529,631 77.1 454,246 22.9 1,983,877 100.0 Average $139 $217 $151

$38,000 to Exposure 10,245.0 80.6 2,466.8 19.4 12,711.8 100.0 $43,999 Premium 1,596,381 72.5 605,546 27.5 2,201,927 100.0 Average $156 $245 $173

$44,000 to Exposure 3,793.5 71.9 1,484.0 28.1 5,277.5 100.0 $49,999 Premium 582,067 62.0 356,048 38.0 938,115 100.0 Average $153 $240 $178

$50,000 to Exposure 17,632.6 61.1 11,221.9 38.9 28,854.5 100.0 $74,999 Premium 3,102,865 52.4 2,820,592 47.6 5,923,457 100.0 Average $176 $251 $205

$75,000 to Exposure 4,206.2 44.1 5,336.6 55.9 9,542.8 100.0 $99,999 Premium 937,894 37.8 1,545,699 62.2 2,483,593 100.0 Average $223 $290 $260

$100,000 and Exposure 4,644.4 37.3 7,792.0 62.7 12,436.4 100.0 Over Premium 1,389,316 32.2 2,919,665 67.8 4,308,981 100.0 Average $299 $375 $346

Total Exposure 143,227.7 77.2 42,228.1 22.8 185,455.8 100.0 Premium 21,119,196 66.7 10,554,160 33.3 31,673,356 100.0 Average $147 $250 $171

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Kansas Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 19,478.3 95.9 834.3 4.1 20,312.7 100.0 Under Premium 2,668,593 91.2 256,632 8.8 2,925,225 100.0 Average $137 $308 $144

$14,000 to Exposure 22,508.5 99.0 218.8 1.0 22,727.3 100.0 $19,999 Premium 3,505,712 98.3 61,156 1.7 3,566,868 100.0 Average $156 $280 $157

$20,000 to Exposure 48,526.9 97.9 1,066.0 2.1 49,592.9 100.0 $25,999 Premium 7,296,551 96.4 275,551 3.6 7,572,102 100.0 Average $150 $258 $153

$26,000 to Exposure 19,087.3 95.8 834.4 4.2 19,921.8 100.0 $31,999 Premium 3,330,470 93.6 227,955 6.4 3,558,425 100.0 Average $174 $273 $179

$32,000 to Exposure 8,232.1 93.7 556.3 6.3 8,788.4 100.0 $37,999 Premium 1,399,577 90.4 148,721 9.6 1,548,298 100.0 Average $170 $267 $176

$38,000 to Exposure 7,114.4 91.2 684.3 8.8 7,798.8 100.0 $43,999 Premium 1,392,967 87.0 207,639 13.0 1,600,606 100.0 Average $196 $303 $205

$44,000 to Exposure 2,889.6 89.0 358.2 11.0 3,247.8 100.0 $49,999 Premium 569,973 83.5 112,725 16.5 682,698 100.0 Average $197 $315 $210

$50,000 to Exposure 15,718.9 85.0 2,772.5 15.0 18,491.4 100.0 $74,999 Premium 3,682,809 80.2 909,660 19.8 4,592,469 100.0 Average $234 $328 $248

$75,000 to Exposure 3,772.3 73.3 1,372.3 26.7 5,144.6 100.0 $99,999 Premium 1,079,339 66.5 542,595 33.5 1,621,934 100.0 Average $286 $395 $315

$100,000 and Exposure 5,053.3 69.0 2,272.6 31.0 7,325.9 100.0 Over Premium 1,924,791 61.3 1,216,476 38.7 3,141,267 100.0 Average $381 $535 $429

Total Exposure 152,381.8 93.3 10,969.7 6.7 163,351.4 100.0 Premium 26,850,782 87.1 3,959,110 12.9 30,809,892 100.0 Average $176 $361 $189

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Kentucky Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 17,412.7 87.4 2,510.4 12.6 19,923.1 100.0 Under Premium 2,084,902 78.7 565,634 21.3 2,650,536 100.0 Average $120 $225 $133

$14,000 to Exposure 44,745.3 97.7 1,067.2 2.3 45,812.4 100.0 $19,999 Premium 6,050,030 95.6 275,657 4.4 6,325,687 100.0 Average $135 $258 $138

$20,000 to Exposure 47,479.9 93.9 3,102.0 6.1 50,581.9 100.0 $25,999 Premium 7,445,362 90.6 773,904 9.4 8,219,266 100.0 Average $157 $249 $162

$26,000 to Exposure 23,238.8 86.7 3,566.4 13.3 26,805.3 100.0 $31,999 Premium 4,056,092 81.6 916,778 18.4 4,972,870 100.0 Average $175 $257 $186

$32,000 to Exposure 8,319.4 77.5 2,420.8 22.5 10,740.3 100.0 $37,999 Premium 1,542,231 70.6 642,764 29.4 2,184,995 100.0 Average $185 $266 $203

$38,000 to Exposure 6,025.3 70.5 2,521.3 29.5 8,546.5 100.0 $43,999 Premium 1,259,021 65.1 675,315 34.9 1,934,336 100.0 Average $209 $268 $226

$44,000 to Exposure 2,496.5 61.7 1,549.4 38.3 4,045.9 100.0 $49,999 Premium 555,270 56.4 429,893 43.6 985,163 100.0 Average $222 $277 $243

$50,000 to Exposure 13,403.3 59.6 9,102.0 40.4 22,505.3 100.0 $74,999 Premium 3,329,386 52.8 2,979,380 47.2 6,308,766 100.0 Average $248 $327 $280

$75,000 to Exposure 2,971.7 43.3 3,884.7 56.7 6,856.3 100.0 $99,999 Premium 941,715 38.4 1,511,497 61.6 2,453,212 100.0 Average $317 $389 $358

$100,000 and Exposure 3,819.8 38.1 6,205.8 61.9 10,025.5 100.0 Over Premium 1,563,450 29.2 3,781,916 70.8 5,345,366 100.0 Average $409 $609 $533

Total Exposure 169,912.6 82.5 35,929.9 17.5 205,842.5 100.0 Premium 28,827,459 69.7 12,552,738 30.3 41,380,197 100.0 Average $170 $349 $201

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Louisiana Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 20,889.8 83.5 4,123.2 16.5 25,013.0 100.0 Under Premium 3,309,689 70.2 1,407,747 29.8 4,717,436 100.0 Average $158 $341 $189

$14,000 to Exposure 9,186.4 93.8 602.4 6.2 9,788.8 100.0 $19,999 Premium 1,835,945 87.5 261,288 12.5 2,097,233 100.0 Average $200 $434 $214

$20,000 to Exposure 33,255.4 95.5 1,571.4 4.5 34,826.8 100.0 $25,999 Premium 7,106,753 91.6 655,561 8.4 7,762,314 100.0 Average $214 $417 $223

$26,000 to Exposure 10,533.9 89.0 1,297.8 11.0 11,831.7 100.0 $31,999 Premium 2,716,427 82.0 596,940 18.0 3,313,367 100.0 Average $258 $460 $280

$32,000 to Exposure 4,911.3 81.8 1,092.2 18.2 6,003.4 100.0 $37,999 Premium 1,354,277 72.0 526,680 28.0 1,880,957 100.0 Average $276 $482 $313

$38,000 to Exposure 3,824.3 81.8 851.1 18.2 4,675.4 100.0 $43,999 Premium 1,178,941 72.4 449,900 27.6 1,628,841 100.0 Average $308 $529 $348

$44,000 to Exposure 1,650.2 72.9 614.2 27.1 2,264.3 100.0 $49,999 Premium 541,812 60.6 351,895 39.4 893,707 100.0 Average $328 $573 $395

$50,000 to Exposure 8,710.8 76.1 2,730.3 23.9 11,441.2 100.0 $74,999 Premium 3,139,827 63.8 1,783,446 36.2 4,923,273 100.0 Average $360 $653 $430

$75,000 to Exposure 2,063.8 65.5 1,088.5 34.5 3,152.3 100.0 $99,999 Premium 945,927 49.4 967,607 50.6 1,913,534 100.0 Average $458 $889 $607

$100,000 and Exposure 3,255.7 64.4 1,798.1 35.6 5,053.8 100.0 Over Premium 2,004,059 43.7 2,577,373 56.3 4,581,432 100.0 Average $616 $1,433 $907

Total Exposure 98,281.6 86.2 15,769.1 13.8 114,050.7 100.0 Premium 24,133,657 71.6 9,578,437 28.4 33,712,094 100.0 Average $246 $607 $296

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Maine Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 4,299.4 84.8 771.0 15.2 5,070.4 100.0 Under Premium 401,716 71.4 160,985 28.6 562,701 100.0 Average $93 $209 $111

$14,000 to Exposure 4,529.2 87.4 650.8 12.6 5,179.9 100.0 $19,999 Premium 551,779 81.1 128,710 18.9 680,489 100.0 Average $122 $198 $131

$20,000 to Exposure 15,836.3 86.9 2,391.8 13.1 18,228.1 100.0 $25,999 Premium 1,984,888 80.1 493,460 19.9 2,478,348 100.0 Average $125 $206 $136

$26,000 to Exposure 7,396.1 79.8 1,868.4 20.2 9,264.5 100.0 $31,999 Premium 1,042,627 71.7 411,091 28.3 1,453,718 100.0 Average $141 $220 $157

$32,000 to Exposure 3,137.9 73.2 1,146.9 26.8 4,284.8 100.0 $37,999 Premium 463,248 63.4 267,997 36.6 731,245 100.0 Average $148 $234 $171

$38,000 to Exposure 2,598.7 70.2 1,104.8 29.8 3,703.5 100.0 $43,999 Premium 407,293 60.8 262,950 39.2 670,243 100.0 Average $157 $238 $181

$44,000 to Exposure 1,037.8 64.0 584.9 36.0 1,622.7 100.0 $49,999 Premium 177,753 54.0 151,129 46.0 328,882 100.0 Average $171 $258 $203

$50,000 to Exposure 5,448.8 56.8 4,139.0 43.2 9,587.8 100.0 $74,999 Premium 1,032,213 46.5 1,188,245 53.5 2,220,458 100.0 Average $189 $287 $232

$75,000 to Exposure 1,277.8 45.0 1,561.7 55.0 2,839.5 100.0 $99,999 Premium 300,802 36.5 523,565 63.5 824,367 100.0 Average $235 $335 $290

$100,000 and Exposure 1,755.7 40.5 2,576.5 59.5 4,332.2 100.0 Over Premium 590,041 33.0 1,196,828 67.0 1,786,869 100.0 Average $336 $465 $412

Total Exposure 47,317.6 73.8 16,795.8 26.2 64,113.4 100.0 Premium 6,952,360 59.2 4,784,960 40.8 11,737,320 100.0 Average $147 $285 $183

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Maryland Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 40,128.1 78.8 10,780.4 21.2 50,908.5 100.0 Under Premium 4,523,451 69.1 2,023,448 30.9 6,546,899 100.0 Average $113 $188 $129

$14,000 to Exposure 49,689.3 90.9 5,000.8 9.1 54,690.0 100.0 $19,999 Premium 6,060,987 85.1 1,063,717 14.9 7,124,704 100.0 Average $122 $213 $130

$20,000 to Exposure 128,384.3 93.1 9,455.3 6.9 137,839.5 100.0 $25,999 Premium 17,573,520 88.6 2,254,250 11.4 19,827,770 100.0 Average $137 $238 $144

$26,000 to Exposure 51,346.2 84.1 9,674.3 15.9 61,020.5 100.0 $31,999 Premium 8,178,818 77.5 2,376,874 22.5 10,555,692 100.0 Average $159 $246 $173

$32,000 to Exposure 21,770.6 73.9 7,683.1 26.1 29,453.7 100.0 $37,999 Premium 3,532,089 64.8 1,916,617 35.2 5,448,706 100.0 Average $162 $249 $185

$38,000 to Exposure 16,070.3 66.6 8,053.8 33.4 24,124.2 100.0 $43,999 Premium 2,944,541 59.4 2,010,994 40.6 4,955,535 100.0 Average $183 $250 $205

$44,000 to Exposure 8,626.5 60.2 5,701.3 39.8 14,327.8 100.0 $49,999 Premium 1,604,170 52.0 1,479,033 48.0 3,083,203 100.0 Average $186 $259 $215

$50,000 to Exposure 35,270.1 52.0 32,502.0 48.0 67,772.1 100.0 $74,999 Premium 7,554,871 44.0 9,603,059 56.0 17,157,930 100.0 Average $214 $295 $253

$75,000 to Exposure 7,899.1 38.1 12,839.4 61.9 20,738.5 100.0 $99,999 Premium 2,077,211 31.9 4,428,307 68.1 6,505,518 100.0 Average $263 $345 $314

$100,000 and Exposure 13,726.8 38.7 21,785.3 61.3 35,512.1 100.0 Over Premium 4,971,953 32.2 10,470,862 67.8 15,442,815 100.0 Average $362 $481 $435

Total Exposure 372,911.2 75.1 123,475.7 24.9 496,386.8 100.0 Premium 59,021,611 61.1 37,627,161 38.9 96,648,772 100.0 Average $158 $305 $195

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Massachusetts Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 36,573.8 69.6 15,946.6 30.4 52,520.3 100.0 Under Premium 4,478,914 50.5 4,385,336 49.5 8,864,250 100.0 Average $122 $275 $169

$14,000 to Exposure 45,318.5 81.8 10,099.5 18.2 55,418.0 100.0 $19,999 Premium 6,787,046 67.4 3,289,069 32.6 10,076,115 100.0 Average $150 $326 $182

$20,000 to Exposure 70,540.7 67.9 33,405.3 32.1 103,946.0 100.0 $25,999 Premium 12,350,361 53.8 10,620,860 46.2 22,971,221 100.0 Average $175 $318 $221

$26,000 to Exposure 40,031.0 60.1 26,586.3 39.9 66,617.3 100.0 $31,999 Premium 8,150,987 47.9 8,849,973 52.1 17,000,960 100.0 Average $204 $333 $255

$32,000 to Exposure 18,503.0 50.9 17,840.1 49.1 36,343.1 100.0 $37,999 Premium 3,632,408 37.4 6,071,329 62.6 9,703,737 100.0 Average $196 $340 $267

$38,000 to Exposure 11,188.0 40.3 16,585.6 59.7 27,773.6 100.0 $43,999 Premium 2,869,111 32.5 5,950,395 67.5 8,819,506 100.0 Average $256 $359 $318

$44,000 to Exposure 4,020.2 31.5 8,752.7 68.5 12,772.8 100.0 $49,999 Premium 1,131,691 25.7 3,270,530 74.3 4,402,221 100.0 Average $282 $374 $345

$50,000 to Exposure 20,618.5 31.7 44,406.3 68.3 65,024.8 100.0 $74,999 Premium 6,298,359 24.0 19,996,762 76.0 26,295,121 100.0 Average $305 $450 $404

$75,000 to Exposure 4,381.3 21.6 15,943.6 78.4 20,324.8 100.0 $99,999 Premium 1,716,303 17.6 8,060,157 82.4 9,776,460 100.0 Average $392 $506 $481

$100,000 and Exposure 6,478.1 20.0 25,885.3 80.0 32,363.4 100.0 Over Premium 3,549,851 15.8 18,864,248 84.2 22,414,099 100.0 Average $548 $729 $693

Total Exposure 257,652.9 54.5 215,451.3 45.5 473,104.3 100.0 Premium 50,965,031 36.3 89,358,659 63.7 140,323,690 100.0 Average $198 $415 $297

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Michigan Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 79,175.6 85.9 13,038.6 14.1 92,214.2 100.0 Under Premium 12,141,747 81.4 2,773,159 18.6 14,914,906 100.0 Average $153 $213 $162

$14,000 to Exposure 47,004.9 88.0 6,380.2 12.0 53,385.1 100.0 $19,999 Premium 8,125,238 85.2 1,413,281 14.8 9,538,519 100.0 Average $173 $222 $179

$20,000 to Exposure 73,577.7 85.8 12,132.3 14.2 85,710.0 100.0 $25,999 Premium 13,988,416 83.5 2,770,684 16.5 16,759,100 100.0 Average $190 $228 $196

$26,000 to Exposure 38,241.7 74.2 13,272.9 25.8 51,514.6 100.0 $31,999 Premium 8,002,091 71.6 3,176,119 28.4 11,178,210 100.0 Average $209 $239 $217

$32,000 to Exposure 20,148.3 65.4 10,644.2 34.6 30,792.5 100.0 $37,999 Premium 3,729,373 60.8 2,402,944 39.2 6,132,317 100.0 Average $185 $226 $199

$38,000 to Exposure 12,652.3 56.3 9,822.3 43.7 22,474.6 100.0 $43,999 Premium 3,031,070 55.3 2,454,341 44.7 5,485,411 100.0 Average $240 $250 $244

$44,000 to Exposure 5,147.6 46.1 6,014.6 53.9 11,162.2 100.0 $49,999 Premium 1,235,445 45.5 1,481,059 54.5 2,716,504 100.0 Average $240 $246 $243

$50,000 to Exposure 30,694.3 41.7 42,985.9 58.3 73,680.3 100.0 $74,999 Premium 8,933,659 42.1 12,274,012 57.9 21,207,671 100.0 Average $291 $286 $288

$75,000 to Exposure 6,909.5 24.6 21,146.4 75.4 28,055.9 100.0 $99,999 Premium 2,442,182 26.7 6,700,826 73.3 9,143,008 100.0 Average $353 $317 $326

$100,000 and Exposure 8,918.7 19.0 38,143.3 81.0 47,061.9 100.0 Over Premium 4,088,280 19.8 16,523,388 80.2 20,611,668 100.0 Average $458 $433 $438

Total Exposure 322,470.5 65.0 173,580.7 35.0 496,051.2 100.0 Premium 65,717,501 55.8 51,969,813 44.2 117,687,314 100.0 Average $204 $299 $237

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Minnesota Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 26,926.1 66.8 13,379.7 33.2 40,305.8 100.0 Under Premium 3,076,094 57.2 2,305,285 42.8 5,381,379 100.0 Average $114 $172 $134

$14,000 to Exposure 57,988.5 93.6 3,954.0 6.4 61,942.5 100.0 $19,999 Premium 7,379,722 90.6 767,799 9.4 8,147,521 100.0 Average $127 $194 $132

$20,000 to Exposure 95,978.0 85.6 16,099.7 14.4 112,077.7 100.0 $25,999 Premium 12,509,573 80.3 3,063,580 19.7 15,573,153 100.0 Average $130 $190 $139

$26,000 to Exposure 39,010.3 71.8 15,350.1 28.2 54,360.3 100.0 $31,999 Premium 5,510,506 65.9 2,850,452 34.1 8,360,958 100.0 Average $141 $186 $154

$32,000 to Exposure 16,747.1 64.8 9,114.8 35.2 25,861.9 100.0 $37,999 Premium 2,340,328 55.6 1,869,217 44.4 4,209,545 100.0 Average $140 $205 $163

$38,000 to Exposure 14,148.1 57.2 10,577.3 42.8 24,725.3 100.0 $43,999 Premium 2,230,415 49.1 2,316,589 50.9 4,547,004 100.0 Average $158 $219 $184

$44,000 to Exposure 4,447.4 45.4 5,350.9 54.6 9,798.3 100.0 $49,999 Premium 722,162 37.5 1,205,759 62.5 1,927,921 100.0 Average $162 $225 $197

$50,000 to Exposure 28,209.8 39.7 42,906.1 60.3 71,115.9 100.0 $74,999 Premium 5,427,612 33.5 10,782,828 66.5 16,210,440 100.0 Average $192 $251 $228

$75,000 to Exposure 6,697.1 25.9 19,199.4 74.1 25,896.5 100.0 $99,999 Premium 1,629,582 22.6 5,586,066 77.4 7,215,648 100.0 Average $243 $291 $279

$100,000 and Exposure 9,679.9 22.9 32,634.3 77.1 42,314.2 100.0 Over Premium 3,123,640 19.9 12,544,409 80.1 15,668,049 100.0 Average $323 $384 $370

Total Exposure 299,832.3 64.0 168,566.2 36.0 468,398.4 100.0 Premium 43,949,634 50.4 43,291,984 49.6 87,241,618 100.0 Average $147 $257 $186

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Mississippi Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 7,229.2 94.1 452.9 5.9 7,682.1 100.0 Under Premium 1,111,152 87.2 163,523 12.8 1,274,675 100.0 Average $154 $361 $166

$14,000 to Exposure 4,239.0 96.3 164.2 3.7 4,403.2 100.0 $19,999 Premium 941,392 94.0 60,413 6.0 1,001,805 100.0 Average $222 $368 $228

$20,000 to Exposure 15,813.0 96.1 643.3 3.9 16,456.3 100.0 $25,999 Premium 3,326,355 94.1 210,339 5.9 3,536,694 100.0 Average $210 $327 $215

$26,000 to Exposure 5,571.0 92.1 475.7 7.9 6,046.7 100.0 $31,999 Premium 1,434,809 88.6 183,831 11.4 1,618,640 100.0 Average $258 $386 $268

$32,000 to Exposure 2,508.3 90.0 277.5 10.0 2,785.8 100.0 $37,999 Premium 666,353 85.8 110,472 14.2 776,825 100.0 Average $266 $398 $279

$38,000 to Exposure 1,924.9 89.4 229.2 10.6 2,154.1 100.0 $43,999 Premium 591,337 85.6 99,775 14.4 691,112 100.0 Average $307 $435 $321

$44,000 to Exposure 688.8 88.0 93.7 12.0 782.4 100.0 $49,999 Premium 223,079 83.4 44,479 16.6 267,558 100.0 Average $324 $475 $342

$50,000 to Exposure 4,322.4 84.0 824.2 16.0 5,146.6 100.0 $74,999 Premium 1,573,703 78.9 419,783 21.1 1,993,486 100.0 Average $364 $509 $387

$75,000 to Exposure 1,045.1 74.9 350.5 25.1 1,395.6 100.0 $99,999 Premium 482,863 71.0 197,142 29.0 680,005 100.0 Average $462 $562 $487

$100,000 and Exposure 1,370.8 70.6 570.5 29.4 1,941.3 100.0 Over Premium 814,226 63.8 462,566 36.2 1,276,792 100.0 Average $594 $811 $658

Total Exposure 44,712.5 91.6 4,081.5 8.4 48,794.0 100.0 Premium 11,165,269 85.1 1,952,323 14.9 13,117,592 100.0 Average $250 $478 $269

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Missouri Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 19,883.3 74.9 6,677.3 25.1 26,560.6 100.0 Under Premium 2,455,048 62.4 1,476,956 37.6 3,932,004 100.0 Average $123 $221 $148

$14,000 to Exposure 29,740.2 94.3 1,810.3 5.7 31,550.4 100.0 $19,999 Premium 4,959,197 91.6 457,084 8.4 5,416,281 100.0 Average $167 $252 $172

$20,000 to Exposure 94,536.7 90.9 9,432.6 9.1 103,969.3 100.0 $25,999 Premium 14,795,915 86.1 2,394,208 13.9 17,190,123 100.0 Average $157 $254 $165

$26,000 to Exposure 35,424.7 83.7 6,892.2 16.3 42,316.8 100.0 $31,999 Premium 6,205,747 78.1 1,742,914 21.9 7,948,661 100.0 Average $175 $253 $188

$32,000 to Exposure 13,564.3 74.3 4,689.3 25.7 18,253.5 100.0 $37,999 Premium 2,350,238 65.8 1,223,722 34.2 3,573,960 100.0 Average $173 $261 $196

$38,000 to Exposure 11,146.2 71.3 4,489.4 28.7 15,635.6 100.0 $43,999 Premium 2,219,177 64.0 1,250,882 36.0 3,470,059 100.0 Average $199 $279 $222

$44,000 to Exposure 4,589.6 64.0 2,579.2 36.0 7,168.8 100.0 $49,999 Premium 911,540 55.8 723,369 44.2 1,634,909 100.0 Average $199 $280 $228

$50,000 to Exposure 25,193.0 62.9 14,890.3 37.1 40,083.3 100.0 $74,999 Premium 5,868,434 54.9 4,824,425 45.1 10,692,859 100.0 Average $233 $324 $267

$75,000 to Exposure 5,794.8 50.9 5,593.8 49.1 11,388.7 100.0 $99,999 Premium 1,651,202 43.5 2,144,548 56.5 3,795,750 100.0 Average $285 $383 $333

$100,000 and Exposure 8,063.8 45.6 9,617.1 54.4 17,680.9 100.0 Over Premium 2,894,141 32.8 5,940,344 67.2 8,834,485 100.0 Average $359 $618 $500

Total Exposure 247,936.4 78.8 66,671.3 21.2 314,607.8 100.0 Premium 44,310,639 66.6 22,178,452 33.4 66,489,091 100.0 Average $179 $333 $211

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Montana Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 5,245.9 80.3 1,284.8 19.7 6,530.8 100.0 Under Premium 583,350 70.7 241,838 29.3 825,188 100.0 Average $111 $188 $126

$14,000 to Exposure 2,385.9 91.7 215.3 8.3 2,601.2 100.0 $19,999 Premium 301,234 87.4 43,522 12.6 344,756 100.0 Average $126 $202 $133

$20,000 to Exposure 10,406.2 92.0 906.3 8.0 11,312.4 100.0 $25,999 Premium 1,272,210 86.0 206,430 14.0 1,478,640 100.0 Average $122 $228 $131

$26,000 to Exposure 5,945.4 87.1 877.8 12.9 6,823.3 100.0 $31,999 Premium 758,737 78.5 207,405 21.5 966,142 100.0 Average $128 $236 $142

$32,000 to Exposure 3,090.1 83.6 607.5 16.4 3,697.6 100.0 $37,999 Premium 377,129 71.8 148,413 28.2 525,542 100.0 Average $122 $244 $142

$38,000 to Exposure 2,877.3 82.4 616.7 17.6 3,493.9 100.0 $43,999 Premium 392,176 71.3 157,704 28.7 549,880 100.0 Average $136 $256 $157

$44,000 to Exposure 1,176.8 78.1 330.5 21.9 1,507.3 100.0 $49,999 Premium 162,263 64.6 88,858 35.4 251,121 100.0 Average $138 $269 $167

$50,000 to Exposure 6,262.3 72.0 2,441.0 28.0 8,703.3 100.0 $74,999 Premium 1,040,874 58.5 736,982 41.5 1,777,856 100.0 Average $166 $302 $204

$75,000 to Exposure 1,473.3 58.0 1,066.4 42.0 2,539.8 100.0 $99,999 Premium 318,970 46.5 367,697 53.5 686,667 100.0 Average $216 $345 $270

$100,000 and Exposure 2,070.0 51.6 1,939.4 48.4 4,009.4 100.0 Over Premium 633,686 39.4 973,978 60.6 1,607,664 100.0 Average $306 $502 $401

Total Exposure 40,933.2 79.9 10,285.7 20.1 51,218.8 100.0 Premium 5,840,629 64.8 3,172,827 35.2 9,013,456 100.0 Average $143 $308 $176

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Nebraska Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 9,515.4 94.4 561.4 5.6 10,076.8 100.0 Under Premium 1,083,214 88.8 136,768 11.2 1,219,982 100.0 Average $114 $244 $121

$14,000 to Exposure 13,702.8 98.9 147.0 1.1 13,849.8 100.0 $19,999 Premium 1,830,449 98.4 29,154 1.6 1,859,603 100.0 Average $134 $198 $134

$20,000 to Exposure 38,472.8 98.1 754.2 1.9 39,227.0 100.0 $25,999 Premium 5,047,299 97.1 149,562 2.9 5,196,861 100.0 Average $131 $198 $132

$26,000 to Exposure 17,037.2 97.2 490.9 2.8 17,528.1 100.0 $31,999 Premium 2,389,178 95.7 106,083 4.3 2,495,261 100.0 Average $140 $216 $142

$32,000 to Exposure 7,213.3 94.8 396.0 5.2 7,609.3 100.0 $37,999 Premium 989,784 92.5 80,476 7.5 1,070,260 100.0 Average $137 $203 $141

$38,000 to Exposure 6,119.3 93.5 423.5 6.5 6,542.8 100.0 $43,999 Premium 987,316 91.1 96,005 8.9 1,083,321 100.0 Average $161 $227 $166

$44,000 to Exposure 2,554.1 90.1 280.6 9.9 2,834.7 100.0 $49,999 Premium 407,769 86.2 65,085 13.8 472,854 100.0 Average $160 $232 $167

$50,000 to Exposure 12,072.2 86.1 1,946.8 13.9 14,018.9 100.0 $74,999 Premium 2,292,232 82.0 502,780 18.0 2,795,012 100.0 Average $190 $258 $199

$75,000 to Exposure 2,821.2 73.8 1,002.1 26.2 3,823.3 100.0 $99,999 Premium 675,551 69.0 303,101 31.0 978,652 100.0 Average $239 $302 $256

$100,000 and Exposure 3,399.8 65.5 1,794.3 34.5 5,194.2 100.0 Over Premium 1,080,330 58.5 766,870 41.5 1,847,200 100.0 Average $318 $427 $356

Total Exposure 112,908.1 93.5 7,796.8 6.5 120,704.8 100.0 Premium 16,783,122 88.2 2,235,884 11.8 19,019,006 100.0 Average $149 $287 $158

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Nevada Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 39,904.0 72.6 15,022.9 27.4 54,926.9 100.0 Under Premium 5,881,816 58.2 4,232,172 41.8 10,113,988 100.0 Average $147 $282 $184

$14,000 to Exposure 23,919.6 87.5 3,402.1 12.5 27,321.7 100.0 $19,999 Premium 3,855,647 80.2 949,573 19.8 4,805,220 100.0 Average $161 $279 $176

$20,000 to Exposure 36,648.7 80.9 8,635.7 19.1 45,284.3 100.0 $25,999 Premium 6,446,546 72.3 2,464,587 27.7 8,911,133 100.0 Average $176 $285 $197

$26,000 to Exposure 16,902.2 67.8 8,040.5 32.2 24,942.7 100.0 $31,999 Premium 3,363,926 59.1 2,324,237 40.9 5,688,163 100.0 Average $199 $289 $228

$32,000 to Exposure 6,497.8 65.6 3,403.0 34.4 9,900.8 100.0 $37,999 Premium 1,263,176 54.6 1,052,352 45.4 2,315,528 100.0 Average $194 $309 $234

$38,000 to Exposure 5,376.6 61.3 3,399.7 38.7 8,776.3 100.0 $43,999 Premium 1,218,487 52.7 1,092,614 47.3 2,311,101 100.0 Average $227 $321 $263

$44,000 to Exposure 1,870.2 53.0 1,656.8 47.0 3,526.9 100.0 $49,999 Premium 439,511 44.5 547,932 55.5 987,443 100.0 Average $235 $331 $280

$50,000 to Exposure 13,588.7 60.0 9,065.5 40.0 22,654.2 100.0 $74,999 Premium 3,610,264 51.4 3,411,089 48.6 7,021,353 100.0 Average $266 $376 $310

$75,000 to Exposure 3,148.3 53.9 2,695.0 46.1 5,843.3 100.0 $99,999 Premium 1,029,602 47.3 1,145,737 52.7 2,175,339 100.0 Average $327 $425 $372

$100,000 and Exposure 5,307.9 57.6 3,906.5 42.4 9,214.4 100.0 Over Premium 2,194,454 42.3 2,993,810 57.7 5,188,264 100.0 Average $413 $766 $563

Total Exposure 153,163.9 72.1 59,227.6 27.9 212,391.5 100.0 Premium 29,303,429 59.2 20,214,103 40.8 49,517,532 100.0 Average $191 $341 $233

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms New Hampshire Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 4,920.3 58.4 3,501.5 41.6 8,421.8 100.0 Under Premium 463,684 40.2 688,473 59.8 1,152,157 100.0 Average $94 $197 $137

$14,000 to Exposure 5,278.7 75.2 1,744.1 24.8 7,022.8 100.0 $19,999 Premium 643,404 62.7 382,159 37.3 1,025,563 100.0 Average $122 $219 $146

$20,000 to Exposure 16,015.3 79.4 4,150.6 20.6 20,165.9 100.0 $25,999 Premium 2,021,244 68.2 942,533 31.8 2,963,777 100.0 Average $126 $227 $147

$26,000 to Exposure 9,203.5 67.6 4,409.3 32.4 13,612.8 100.0 $31,999 Premium 1,309,419 56.2 1,018,882 43.8 2,328,301 100.0 Average $142 $231 $171

$32,000 to Exposure 5,031.8 64.0 2,827.2 36.0 7,858.9 100.0 $37,999 Premium 693,582 49.8 698,534 50.2 1,392,116 100.0 Average $138 $247 $177

$38,000 to Exposure 3,363.5 55.6 2,690.3 44.4 6,053.8 100.0 $43,999 Premium 550,871 44.1 697,674 55.9 1,248,545 100.0 Average $164 $259 $206

$44,000 to Exposure 1,471.5 47.7 1,612.2 52.3 3,083.7 100.0 $49,999 Premium 251,925 36.5 437,992 63.5 689,917 100.0 Average $171 $272 $224

$50,000 to Exposure 6,977.4 41.7 9,758.8 58.3 16,736.2 100.0 $74,999 Premium 1,339,061 31.3 2,933,456 68.7 4,272,517 100.0 Average $192 $301 $255

$75,000 to Exposure 1,561.1 28.5 3,918.3 71.5 5,479.4 100.0 $99,999 Premium 388,328 23.6 1,255,166 76.4 1,643,494 100.0 Average $249 $320 $300

$100,000 and Exposure 1,924.6 27.4 5,105.3 72.6 7,029.8 100.0 Over Premium 637,052 24.0 2,018,075 76.0 2,655,127 100.0 Average $331 $395 $378

Total Exposure 55,747.7 58.4 39,717.3 41.6 95,465.0 100.0 Premium 8,298,570 42.8 11,072,944 57.2 19,371,514 100.0 Average $149 $279 $203

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms New Jersey Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 22,020.3 44.1 27,941.9 55.9 49,962.3 100.0 Under Premium 2,944,434 27.8 7,640,878 72.2 10,585,312 100.0 Average $134 $273 $212

$14,000 to Exposure 34,002.2 80.0 8,513.1 20.0 42,515.3 100.0 $19,999 Premium 3,575,654 60.0 2,380,362 40.0 5,956,016 100.0 Average $105 $280 $140

$20,000 to Exposure 61,575.9 74.4 21,143.1 25.6 82,719.0 100.0 $25,999 Premium 8,280,956 56.8 6,307,652 43.2 14,588,608 100.0 Average $134 $298 $176

$26,000 to Exposure 42,597.4 65.1 22,796.7 34.9 65,394.1 100.0 $31,999 Premium 6,320,056 46.7 7,216,720 53.3 13,536,776 100.0 Average $148 $317 $207

$32,000 to Exposure 20,909.8 60.8 13,468.7 39.2 34,378.5 100.0 $37,999 Premium 3,089,291 40.8 4,490,902 59.2 7,580,193 100.0 Average $148 $333 $220

$38,000 to Exposure 16,121.9 52.1 14,843.3 47.9 30,965.3 100.0 $43,999 Premium 2,805,933 36.1 4,967,759 63.9 7,773,692 100.0 Average $174 $335 $251

$44,000 to Exposure 8,455.3 45.8 10,003.4 54.2 18,458.7 100.0 $49,999 Premium 1,557,760 30.4 3,563,554 69.6 5,121,314 100.0 Average $184 $356 $277

$50,000 to Exposure 32,819.8 33.7 64,461.4 66.3 97,281.3 100.0 $74,999 Premium 6,887,390 20.9 26,081,735 79.1 32,969,125 100.0 Average $210 $405 $339

$75,000 to Exposure 7,439.4 22.9 25,016.7 77.1 32,456.1 100.0 $99,999 Premium 2,020,897 14.6 11,787,686 85.4 13,808,583 100.0 Average $272 $471 $425

$100,000 and Exposure 10,950.5 22.2 38,311.2 77.8 49,261.7 100.0 Over Premium 4,265,037 15.4 23,491,718 84.6 27,756,755 100.0 Average $389 $613 $563

Total Exposure 256,892.6 51.0 246,499.4 49.0 503,392.0 100.0 Premium 41,747,408 29.9 97,928,966 70.1 139,676,374 100.0 Average $163 $397 $277

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms New Mexico Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 9,100.0 86.9 1,373.8 13.1 10,473.8 100.0 Under Premium 1,107,453 73.8 393,421 26.2 1,500,874 100.0 Average $122 $286 $143

$14,000 to Exposure 7,333.3 94.1 458.0 5.9 7,791.3 100.0 $19,999 Premium 1,214,086 90.1 133,984 9.9 1,348,070 100.0 Average $166 $293 $173

$20,000 to Exposure 11,083.8 92.7 875.6 7.3 11,959.4 100.0 $25,999 Premium 1,952,732 87.8 270,295 12.2 2,223,027 100.0 Average $176 $309 $186

$26,000 to Exposure 7,887.8 90.5 823.8 9.5 8,711.5 100.0 $31,999 Premium 1,437,557 86.0 234,292 14.0 1,671,849 100.0 Average $182 $284 $192

$32,000 to Exposure 3,990.4 86.2 639.9 13.8 4,630.3 100.0 $37,999 Premium 691,385 78.7 186,985 21.3 878,370 100.0 Average $173 $292 $190

$38,000 to Exposure 3,156.6 83.6 618.2 16.4 3,774.8 100.0 $43,999 Premium 614,980 77.6 177,593 22.4 792,573 100.0 Average $195 $287 $210

$44,000 to Exposure 1,515.3 80.1 376.8 19.9 1,892.1 100.0 $49,999 Premium 291,839 72.4 111,351 27.6 403,190 100.0 Average $193 $296 $213

$50,000 to Exposure 7,588.6 80.5 1,837.3 19.5 9,425.8 100.0 $74,999 Premium 1,689,146 72.6 638,225 27.4 2,327,371 100.0 Average $223 $347 $247

$75,000 to Exposure 1,893.9 74.8 637.9 25.2 2,531.8 100.0 $99,999 Premium 494,236 66.6 248,099 33.4 742,335 100.0 Average $261 $389 $293

$100,000 and Exposure 2,795.4 73.7 998.3 26.3 3,793.8 100.0 Over Premium 998,825 62.7 595,167 37.3 1,593,992 100.0 Average $357 $596 $420

Total Exposure 56,345.1 86.7 8,639.5 13.3 64,984.6 100.0 Premium 10,492,239 77.8 2,989,412 22.2 13,481,651 100.0 Average $186 $346 $207

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms New York Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 43,767.6 75.0 14,587.7 25.0 58,355.3 100.0 Under Premium 5,052,114 55.5 4,051,095 44.5 9,103,209 100.0 Average $115 $278 $156

$14,000 to Exposure 68,588.4 77.8 19,523.9 22.2 88,112.3 100.0 $19,999 Premium 8,672,244 62.8 5,146,413 37.2 13,818,657 100.0 Average $126 $264 $157

$20,000 to Exposure 171,522.3 79.2 45,128.1 20.8 216,650.3 100.0 $25,999 Premium 25,399,113 67.2 12,422,934 32.8 37,822,047 100.0 Average $148 $275 $175

$26,000 to Exposure 116,775.1 73.0 43,278.9 27.0 160,054.0 100.0 $31,999 Premium 19,882,031 60.9 12,785,368 39.1 32,667,399 100.0 Average $170 $295 $204

$32,000 to Exposure 57,782.1 68.8 26,188.4 31.2 83,970.5 100.0 $37,999 Premium 10,900,695 55.9 8,608,585 44.1 19,509,280 100.0 Average $189 $329 $232

$38,000 to Exposure 56,882.7 64.0 31,968.9 36.0 88,851.6 100.0 $43,999 Premium 11,751,592 52.4 10,691,524 47.6 22,443,116 100.0 Average $207 $334 $253

$44,000 to Exposure 28,551.8 45.7 33,981.8 54.3 62,533.6 100.0 $49,999 Premium 6,456,848 36.3 11,331,202 63.7 17,788,050 100.0 Average $226 $333 $284

$50,000 to Exposure 93,737.0 41.7 131,128.4 58.3 224,865.4 100.0 $74,999 Premium 24,856,389 30.9 55,462,755 69.1 80,319,144 100.0 Average $265 $423 $357

$75,000 to Exposure 23,565.9 37.5 39,237.2 62.5 62,803.1 100.0 $99,999 Premium 8,767,616 28.7 21,829,949 71.3 30,597,565 100.0 Average $372 $556 $487

$100,000 and Exposure 37,496.9 32.4 78,373.8 67.6 115,870.7 100.0 Over Premium 24,163,087 20.5 93,738,586 79.5 117,901,673 100.0 Average $644 $1,196 $1,018

Total Exposure 698,669.7 60.1 463,397.1 39.9 1,162,066.8 100.0 Premium 145,901,729 38.2 236,068,411 61.8 381,970,140 100.0 Average $209 $509 $329

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms North Carolina Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 15,892.5 80.0 3,962.4 20.0 19,854.9 100.0 Under Premium 1,665,668 60.3 1,097,649 39.7 2,763,317 100.0 Average $105 $277 $139

$14,000 to Exposure 40,733.1 91.7 3,669.8 8.3 44,402.8 100.0 $19,999 Premium 4,233,424 84.5 778,246 15.5 5,011,670 100.0 Average $104 $212 $113

$20,000 to Exposure 124,414.6 93.4 8,811.7 6.6 133,226.3 100.0 $25,999 Premium 13,601,214 86.9 2,048,817 13.1 15,650,031 100.0 Average $109 $233 $117

$26,000 to Exposure 40,270.7 82.6 8,490.8 17.4 48,761.5 100.0 $31,999 Premium 5,745,475 74.2 2,000,223 25.8 7,745,698 100.0 Average $143 $236 $159

$32,000 to Exposure 15,495.7 72.4 5,901.1 27.6 21,396.8 100.0 $37,999 Premium 2,347,339 61.8 1,450,473 38.2 3,797,812 100.0 Average $151 $246 $177

$38,000 to Exposure 11,511.8 69.3 5,108.9 30.7 16,620.8 100.0 $43,999 Premium 2,117,836 60.1 1,407,711 39.9 3,525,547 100.0 Average $184 $276 $212

$44,000 to Exposure 4,832.5 64.4 2,666.4 35.6 7,498.9 100.0 $49,999 Premium 964,785 55.7 767,329 44.3 1,732,114 100.0 Average $200 $288 $231

$50,000 to Exposure 27,352.5 62.5 16,436.0 37.5 43,788.5 100.0 $74,999 Premium 6,225,873 52.5 5,643,105 47.5 11,868,978 100.0 Average $228 $343 $271

$75,000 to Exposure 6,019.0 51.0 5,782.0 49.0 11,801.0 100.0 $99,999 Premium 1,887,745 43.5 2,451,202 56.5 4,338,947 100.0 Average $314 $424 $368

$100,000 and Exposure 9,013.9 49.6 9,150.8 50.4 18,164.8 100.0 Over Premium 4,269,791 42.4 5,794,045 57.6 10,063,836 100.0 Average $474 $633 $554

Total Exposure 295,536.3 80.9 69,979.9 19.1 365,516.2 100.0 Premium 43,059,150 64.8 23,438,800 35.2 66,497,950 100.0 Average $146 $335 $182

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms North Dakota Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 4,925.0 91.8 440.5 8.2 5,365.5 100.0 Under Premium 442,662 86.2 71,048 13.8 513,710 100.0 Average $90 $161 $96

$14,000 to Exposure 6,071.3 98.0 126.8 2.0 6,198.2 100.0 $19,999 Premium 538,920 96.1 21,640 3.9 560,560 100.0 Average $89 $171 $90

$20,000 to Exposure 11,078.9 94.4 657.5 5.6 11,736.4 100.0 $25,999 Premium 1,177,631 91.9 104,474 8.1 1,282,105 100.0 Average $106 $159 $109

$26,000 to Exposure 6,007.4 89.7 688.7 10.3 6,696.1 100.0 $31,999 Premium 663,365 84.6 120,944 15.4 784,309 100.0 Average $110 $176 $117

$32,000 to Exposure 2,991.8 86.1 484.9 13.9 3,476.7 100.0 $37,999 Premium 332,505 79.5 85,756 20.5 418,261 100.0 Average $111 $177 $120

$38,000 to Exposure 2,579.8 80.5 623.6 19.5 3,203.3 100.0 $43,999 Premium 304,722 72.5 115,861 27.5 420,583 100.0 Average $118 $186 $131

$44,000 to Exposure 1,080.1 78.3 300.1 21.7 1,380.2 100.0 $49,999 Premium 130,839 69.3 58,059 30.7 188,898 100.0 Average $121 $193 $137

$50,000 to Exposure 5,146.3 68.6 2,353.5 31.4 7,499.8 100.0 $74,999 Premium 709,929 57.6 522,976 42.4 1,232,905 100.0 Average $138 $222 $164

$75,000 to Exposure 1,196.7 54.0 1,017.9 46.0 2,214.6 100.0 $99,999 Premium 203,039 42.2 278,487 57.8 481,526 100.0 Average $170 $274 $217

$100,000 and Exposure 1,286.1 50.2 1,277.6 49.8 2,563.7 100.0 Over Premium 303,720 37.7 502,296 62.3 806,016 100.0 Average $236 $393 $314

Total Exposure 42,363.3 84.2 7,971.1 15.8 50,334.4 100.0 Premium 4,807,332 71.9 1,881,541 28.1 6,688,873 100.0 Average $113 $236 $133

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Ohio Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 38,460.1 76.1 12,052.2 23.9 50,512.3 100.0 Under Premium 4,907,269 68.5 2,258,058 31.5 7,165,327 100.0 Average $128 $187 $142

$14,000 to Exposure 108,997.1 96.4 4,055.5 3.6 113,052.6 100.0 $19,999 Premium 17,305,702 95.2 870,624 4.8 18,176,326 100.0 Average $159 $215 $161

$20,000 to Exposure 131,749.2 90.8 13,343.2 9.2 145,092.3 100.0 $25,999 Premium 23,025,379 88.7 2,941,644 11.3 25,967,023 100.0 Average $175 $220 $179

$26,000 to Exposure 71,756.3 84.3 13,383.3 15.7 85,139.6 100.0 $31,999 Premium 13,574,862 81.7 3,031,027 18.3 16,605,889 100.0 Average $189 $226 $195

$32,000 to Exposure 30,791.8 74.8 10,348.1 25.2 41,139.8 100.0 $37,999 Premium 5,895,047 71.6 2,338,955 28.4 8,234,002 100.0 Average $191 $226 $200

$38,000 to Exposure 20,697.3 64.6 11,336.6 35.4 32,033.9 100.0 $43,999 Premium 4,473,381 62.4 2,690,369 37.6 7,163,750 100.0 Average $216 $237 $224

$44,000 to Exposure 9,674.8 57.7 7,094.8 42.3 16,769.6 100.0 $49,999 Premium 2,115,592 55.0 1,728,209 45.0 3,843,801 100.0 Average $219 $244 $229

$50,000 to Exposure 44,710.0 49.8 45,093.8 50.2 89,803.8 100.0 $74,999 Premium 11,335,469 47.5 12,520,556 52.5 23,856,025 100.0 Average $254 $278 $266

$75,000 to Exposure 9,457.7 32.3 19,843.6 67.7 29,301.3 100.0 $99,999 Premium 2,864,276 31.3 6,281,167 68.7 9,145,443 100.0 Average $303 $317 $312

$100,000 and Exposure 11,623.8 29.3 28,097.6 70.7 39,721.4 100.0 Over Premium 4,581,832 27.0 12,401,786 73.0 16,983,618 100.0 Average $394 $441 $428

Total Exposure 477,918.0 74.4 164,648.5 25.6 642,566.5 100.0 Premium 90,078,809 65.7 47,062,395 34.3 137,141,204 100.0 Average $188 $286 $213

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Oklahoma Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 19,175.1 91.3 1,828.8 8.7 21,003.8 100.0 Under Premium 3,281,823 84.1 621,224 15.9 3,903,047 100.0 Average $171 $340 $186

$14,000 to Exposure 9,673.1 96.4 362.8 3.6 10,035.8 100.0 $19,999 Premium 2,183,791 93.9 140,993 6.1 2,324,784 100.0 Average $226 $389 $232

$20,000 to Exposure 39,370.3 97.4 1,068.4 2.6 40,438.8 100.0 $25,999 Premium 8,079,254 94.9 432,184 5.1 8,511,438 100.0 Average $205 $405 $210

$26,000 to Exposure 14,701.0 94.2 904.3 5.8 15,605.3 100.0 $31,999 Premium 3,603,265 90.5 380,124 9.5 3,983,389 100.0 Average $245 $420 $255

$32,000 to Exposure 6,461.3 91.1 631.8 8.9 7,093.1 100.0 $37,999 Premium 1,595,366 85.4 273,419 14.6 1,868,785 100.0 Average $247 $433 $263

$38,000 to Exposure 5,540.5 90.1 610.4 9.9 6,150.9 100.0 $43,999 Premium 1,578,179 84.7 284,448 15.3 1,862,627 100.0 Average $285 $466 $303

$44,000 to Exposure 2,050.5 84.8 366.8 15.2 2,417.3 100.0 $49,999 Premium 579,822 77.0 172,850 23.0 752,672 100.0 Average $283 $471 $311

$50,000 to Exposure 13,305.9 86.9 2,002.9 13.1 15,308.8 100.0 $74,999 Premium 4,365,927 79.8 1,106,386 20.2 5,472,313 100.0 Average $328 $552 $357

$75,000 to Exposure 3,108.8 81.2 720.8 18.8 3,829.7 100.0 $99,999 Premium 1,268,201 73.0 469,555 27.0 1,737,756 100.0 Average $408 $651 $454

$100,000 and Exposure 4,258.0 79.4 1,107.0 20.6 5,365.0 100.0 Over Premium 2,242,404 67.3 1,089,427 32.7 3,331,831 100.0 Average $527 $984 $621

Total Exposure 117,644.5 92.5 9,604.0 7.5 127,248.5 100.0 Premium 28,778,032 85.3 4,970,610 14.7 33,748,642 100.0 Average $245 $518 $265

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Oregon Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 24,648.0 80.2 6,100.0 19.8 30,748.0 100.0 Under Premium 3,420,550 72.3 1,307,298 27.7 4,727,848 100.0 Average $139 $214 $154

$14,000 to Exposure 28,038.3 95.2 1,419.3 4.8 29,457.7 100.0 $19,999 Premium 3,950,009 91.7 359,868 8.3 4,309,877 100.0 Average $141 $254 $146

$20,000 to Exposure 66,893.3 94.1 4,168.4 5.9 71,061.7 100.0 $25,999 Premium 9,538,136 90.3 1,025,445 9.7 10,563,581 100.0 Average $143 $246 $149

$26,000 to Exposure 35,514.7 91.4 3,320.8 8.6 38,835.4 100.0 $31,999 Premium 5,338,966 86.3 848,263 13.7 6,187,229 100.0 Average $150 $255 $159

$32,000 to Exposure 18,897.9 89.0 2,340.1 11.0 21,238.0 100.0 $37,999 Premium 2,661,719 81.5 602,954 18.5 3,264,673 100.0 Average $141 $258 $154

$38,000 to Exposure 13,256.4 85.0 2,333.8 15.0 15,590.3 100.0 $43,999 Premium 2,246,009 78.5 613,346 21.5 2,859,355 100.0 Average $169 $263 $183

$44,000 to Exposure 5,768.9 81.6 1,302.0 18.4 7,070.9 100.0 $49,999 Premium 977,801 73.5 352,697 26.5 1,330,498 100.0 Average $169 $271 $188

$50,000 to Exposure 29,309.0 74.8 9,872.2 25.2 39,181.2 100.0 $74,999 Premium 5,861,786 66.8 2,913,660 33.2 8,775,446 100.0 Average $200 $295 $224

$75,000 to Exposure 6,676.9 60.9 4,289.3 39.1 10,966.2 100.0 $99,999 Premium 1,677,550 57.4 1,242,544 42.6 2,920,094 100.0 Average $251 $290 $266

$100,000 and Exposure 9,724.3 53.9 8,324.0 46.1 18,048.3 100.0 Over Premium 3,292,817 51.0 3,166,401 49.0 6,459,218 100.0 Average $339 $380 $358

Total Exposure 238,727.8 84.6 43,469.8 15.4 282,197.6 100.0 Premium 38,965,343 75.8 12,432,476 24.2 51,397,819 100.0 Average $163 $286 $182

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Pennsylvania Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 48,883.5 82.7 10,252.5 17.3 59,136.0 100.0 Under Premium 5,437,564 69.3 2,403,568 30.7 7,841,132 100.0 Average $111 $234 $133

$14,000 to Exposure 80,560.9 96.5 2,952.2 3.5 83,513.1 100.0 $19,999 Premium 9,886,715 92.8 772,618 7.2 10,659,333 100.0 Average $123 $262 $128

$20,000 to Exposure 173,322.6 95.7 7,773.6 4.3 181,096.2 100.0 $25,999 Premium 24,450,589 92.4 2,013,984 7.6 26,464,573 100.0 Average $141 $259 $146

$26,000 to Exposure 86,289.8 91.3 8,240.7 8.7 94,530.4 100.0 $31,999 Premium 12,829,869 85.4 2,191,272 14.6 15,021,141 100.0 Average $149 $266 $159

$32,000 to Exposure 44,672.8 86.9 6,732.2 13.1 51,405.0 100.0 $37,999 Premium 6,746,326 78.9 1,801,429 21.1 8,547,755 100.0 Average $151 $268 $166

$38,000 to Exposure 32,104.9 82.4 6,874.3 17.6 38,979.3 100.0 $43,999 Premium 5,348,994 74.1 1,868,075 25.9 7,217,069 100.0 Average $167 $272 $185

$44,000 to Exposure 18,088.8 77.9 5,126.8 22.1 23,215.6 100.0 $49,999 Premium 3,121,167 68.6 1,431,147 31.4 4,552,314 100.0 Average $173 $279 $196

$50,000 to Exposure 69,111.1 68.9 31,190.9 31.1 100,302.0 100.0 $74,999 Premium 13,784,238 58.4 9,818,327 41.6 23,602,565 100.0 Average $199 $315 $235

$75,000 to Exposure 15,247.2 49.4 15,616.1 50.6 30,863.3 100.0 $99,999 Premium 3,779,921 40.7 5,508,392 59.3 9,288,313 100.0 Average $248 $353 $301

$100,000 and Exposure 20,130.6 41.5 28,356.4 58.5 48,487.0 100.0 Over Premium 7,052,594 31.4 15,386,697 68.6 22,439,291 100.0 Average $350 $543 $463

Total Exposure 588,412.1 82.7 123,115.7 17.3 711,527.8 100.0 Premium 92,437,977 68.2 43,195,509 31.8 135,633,486 100.0 Average $157 $351 $191

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Rhode Island Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 4,878.5 79.7 1,244.7 20.3 6,123.2 100.0 Under Premium 542,679 60.2 358,979 39.8 901,658 100.0 Average $111 $288 $147

$14,000 to Exposure 7,720.3 88.5 1,002.3 11.5 8,722.7 100.0 $19,999 Premium 962,929 76.7 293,278 23.3 1,256,207 100.0 Average $125 $293 $144

$20,000 to Exposure 8,435.9 78.9 2,257.6 21.1 10,693.5 100.0 $25,999 Premium 1,400,086 66.5 704,166 33.5 2,104,252 100.0 Average $166 $312 $197

$26,000 to Exposure 4,577.1 67.7 2,183.7 32.3 6,760.8 100.0 $31,999 Premium 897,705 57.2 671,302 42.8 1,569,007 100.0 Average $196 $307 $232

$32,000 to Exposure 1,771.3 56.7 1,354.6 43.3 3,125.8 100.0 $37,999 Premium 374,916 47.1 421,688 52.9 796,604 100.0 Average $212 $311 $255

$38,000 to Exposure 1,257.8 47.2 1,406.5 52.8 2,664.3 100.0 $43,999 Premium 295,459 38.1 480,591 61.9 776,050 100.0 Average $235 $342 $291

$44,000 to Exposure 582.3 46.6 668.0 53.4 1,250.3 100.0 $49,999 Premium 137,211 36.6 238,192 63.4 375,403 100.0 Average $236 $357 $300

$50,000 to Exposure 2,447.0 37.0 4,167.1 63.0 6,614.1 100.0 $74,999 Premium 690,370 27.0 1,865,743 73.0 2,556,113 100.0 Average $282 $448 $386

$75,000 to Exposure 590.3 31.8 1,263.3 68.2 1,853.7 100.0 $99,999 Premium 199,182 21.9 709,186 78.1 908,368 100.0 Average $337 $561 $490

$100,000 and Exposure 958.3 35.7 1,726.3 64.3 2,684.6 100.0 Over Premium 423,609 22.2 1,480,565 77.8 1,904,174 100.0 Average $442 $858 $709

Total Exposure 33,218.8 65.8 17,274.1 34.2 50,492.8 100.0 Premium 5,924,146 45.1 7,223,690 54.9 13,147,836 100.0 Average $178 $418 $260

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms South Carolina Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 20,909.2 62.7 12,443.8 37.3 33,353.0 100.0 Under Premium 2,975,800 40.0 4,454,922 60.0 7,430,722 100.0 Average $142 $358 $223

$14,000 to Exposure 11,647.8 74.1 4,075.1 25.9 15,722.8 100.0 $19,999 Premium 1,829,344 51.8 1,700,367 48.2 3,529,711 100.0 Average $157 $417 $224

$20,000 to Exposure 50,099.9 86.1 8,091.2 13.9 58,191.1 100.0 $25,999 Premium 8,162,412 69.4 3,594,781 30.6 11,757,193 100.0 Average $163 $444 $202

$26,000 to Exposure 18,078.5 75.8 5,756.1 24.2 23,834.6 100.0 $31,999 Premium 3,450,286 59.2 2,382,678 40.8 5,832,964 100.0 Average $191 $414 $245

$32,000 to Exposure 7,551.5 67.7 3,608.4 32.3 11,159.9 100.0 $37,999 Premium 1,514,427 53.6 1,310,038 46.4 2,824,465 100.0 Average $201 $363 $253

$38,000 to Exposure 5,758.1 65.9 2,976.1 34.1 8,734.2 100.0 $43,999 Premium 1,293,716 49.8 1,306,158 50.2 2,599,874 100.0 Average $225 $439 $298

$44,000 to Exposure 2,580.8 59.2 1,781.1 40.8 4,361.9 100.0 $49,999 Premium 597,044 46.4 689,325 53.6 1,286,369 100.0 Average $231 $387 $295

$50,000 to Exposure 15,814.3 61.5 9,882.8 38.5 25,697.2 100.0 $74,999 Premium 4,143,196 47.8 4,532,114 52.2 8,675,310 100.0 Average $262 $459 $338

$75,000 to Exposure 3,563.0 50.4 3,512.8 49.6 7,075.8 100.0 $99,999 Premium 1,148,205 39.1 1,785,537 60.9 2,933,742 100.0 Average $322 $508 $415

$100,000 and Exposure 5,586.2 53.2 4,913.6 46.8 10,499.8 100.0 Over Premium 2,559,258 39.7 3,879,962 60.3 6,439,220 100.0 Average $458 $790 $613

Total Exposure 141,589.3 71.3 57,040.9 28.7 198,630.2 100.0 Premium 27,673,688 51.9 25,635,882 48.1 53,309,570 100.0 Average $195 $449 $268

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms South Dakota Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 3,809.7 95.8 167.5 4.2 3,977.2 100.0 Under Premium 374,180 91.9 32,857 8.1 407,037 100.0 Average $98 $196 $102

$14,000 to Exposure 6,845.3 99.1 63.5 0.9 6,908.8 100.0 $19,999 Premium 665,717 98.2 12,214 1.8 677,931 100.0 Average $97 $192 $98

$20,000 to Exposure 13,576.9 96.9 432.1 3.1 14,009.0 100.0 $25,999 Premium 1,434,078 95.0 75,913 5.0 1,509,991 100.0 Average $106 $176 $108

$26,000 to Exposure 6,381.1 94.7 355.5 5.3 6,736.6 100.0 $31,999 Premium 739,294 91.7 67,275 8.3 806,569 100.0 Average $116 $189 $120

$32,000 to Exposure 2,585.3 92.2 217.3 7.8 2,802.7 100.0 $37,999 Premium 289,549 88.0 39,556 12.0 329,105 100.0 Average $112 $182 $117

$38,000 to Exposure 2,287.2 87.7 320.5 12.3 2,607.7 100.0 $43,999 Premium 310,264 82.3 66,741 17.7 377,005 100.0 Average $136 $208 $145

$44,000 to Exposure 874.1 85.3 150.9 14.7 1,025.0 100.0 $49,999 Premium 108,996 78.4 29,948 21.6 138,944 100.0 Average $125 $198 $136

$50,000 to Exposure 4,775.5 77.1 1,422.0 22.9 6,197.5 100.0 $74,999 Premium 738,349 69.4 325,554 30.6 1,063,903 100.0 Average $155 $229 $172

$75,000 to Exposure 1,095.3 64.7 596.6 35.3 1,691.9 100.0 $99,999 Premium 214,269 56.9 162,298 43.1 376,567 100.0 Average $196 $272 $223

$100,000 and Exposure 1,353.4 60.7 874.9 39.3 2,228.3 100.0 Over Premium 353,167 52.6 318,437 47.4 671,604 100.0 Average $261 $364 $301

Total Exposure 43,583.8 90.5 4,600.8 9.5 48,184.6 100.0 Premium 5,227,863 82.2 1,130,793 17.8 6,358,656 100.0 Average $120 $246 $132

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Tennessee Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 30,770.1 83.1 6,261.8 16.9 37,031.8 100.0 Under Premium 4,423,235 72.2 1,706,754 27.8 6,129,989 100.0 Average $144 $273 $166

$14,000 to Exposure 57,841.6 96.8 1,937.8 3.2 59,779.3 100.0 $19,999 Premium 9,897,247 94.5 571,979 5.5 10,469,226 100.0 Average $171 $295 $175

$20,000 to Exposure 53,426.0 91.4 5,001.3 8.6 58,427.3 100.0 $25,999 Premium 10,525,622 87.1 1,563,061 12.9 12,088,683 100.0 Average $197 $313 $207

$26,000 to Exposure 27,701.6 85.4 4,717.8 14.6 32,419.4 100.0 $31,999 Premium 6,105,482 79.4 1,579,930 20.6 7,685,412 100.0 Average $220 $335 $237

$32,000 to Exposure 10,665.0 76.7 3,232.3 23.3 13,897.3 100.0 $37,999 Premium 2,414,294 68.5 1,111,195 31.5 3,525,489 100.0 Average $226 $344 $254

$38,000 to Exposure 8,394.3 73.2 3,079.8 26.8 11,474.0 100.0 $43,999 Premium 2,111,406 66.3 1,071,490 33.7 3,182,896 100.0 Average $252 $348 $277

$44,000 to Exposure 3,196.5 65.2 1,703.3 34.8 4,899.8 100.0 $49,999 Premium 851,960 57.7 624,681 42.3 1,476,641 100.0 Average $267 $367 $301

$50,000 to Exposure 21,660.0 64.6 11,851.3 35.4 33,511.3 100.0 $74,999 Premium 6,236,795 56.7 4,767,846 43.3 11,004,641 100.0 Average $288 $402 $328

$75,000 to Exposure 5,436.6 51.8 5,065.9 48.2 10,502.5 100.0 $99,999 Premium 1,905,146 45.1 2,314,892 54.9 4,220,038 100.0 Average $350 $457 $402

$100,000 and Exposure 8,005.5 48.5 8,515.0 51.5 16,520.5 100.0 Over Premium 3,810,328 40.3 5,656,028 59.7 9,466,356 100.0 Average $476 $664 $573

Total Exposure 227,097.1 81.6 51,366.2 18.4 278,463.3 100.0 Premium 48,281,515 69.7 20,967,856 30.3 69,249,371 100.0 Average $213 $408 $249

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Texas Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 201,556.8 96.7 6,950.9 3.3 208,507.8 100.0 Under Premium 32,058,266 91.7 2,915,354 8.3 34,973,620 100.0 Average $159 $419 $168

$14,000 to Exposure 117,857.5 98.1 2,245.0 1.9 120,102.5 100.0 $19,999 Premium 21,027,012 95.3 1,027,743 4.7 22,054,755 100.0 Average $178 $458 $184

$20,000 to Exposure 347,000.6 97.0 10,709.3 3.0 357,709.9 100.0 $25,999 Premium 76,230,821 93.6 5,251,987 6.4 81,482,808 100.0 Average $220 $490 $228

$26,000 to Exposure 113,729.0 95.2 5,768.2 4.8 119,497.2 100.0 $31,999 Premium 28,372,046 90.5 2,968,884 9.5 31,340,930 100.0 Average $249 $515 $262

$32,000 to Exposure 44,646.7 89.2 5,388.4 10.8 50,035.1 100.0 $37,999 Premium 11,374,984 80.0 2,836,410 20.0 14,211,394 100.0 Average $255 $526 $284

$38,000 to Exposure 36,373.4 89.0 4,496.0 11.0 40,869.4 100.0 $43,999 Premium 10,794,940 81.6 2,434,316 18.4 13,229,256 100.0 Average $297 $541 $324

$44,000 to Exposure 13,730.4 81.6 3,088.7 18.4 16,819.1 100.0 $49,999 Premium 4,169,770 70.9 1,708,201 29.1 5,877,971 100.0 Average $304 $553 $349

$50,000 to Exposure 83,781.8 83.2 16,865.3 16.8 100,647.0 100.0 $74,999 Premium 30,363,059 74.1 10,619,787 25.9 40,982,846 100.0 Average $362 $630 $407

$75,000 to Exposure 22,524.3 75.5 7,328.5 24.5 29,852.8 100.0 $99,999 Premium 10,758,269 67.8 5,115,955 32.2 15,874,224 100.0 Average $478 $698 $532

$100,000 and Exposure 38,143.3 70.7 15,803.1 29.3 53,946.3 100.0 Over Premium 26,855,258 57.8 19,608,343 42.2 46,463,601 100.0 Average $704 $1,241 $861

Total Exposure 1,019,343.7 92.8 78,643.3 7.2 1,097,987.0 100.0 Premium 252,004,425 82.2 54,486,980 17.8 306,491,405 100.0 Average $247 $693 $279

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Utah Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 13,740.1 62.6 8,205.1 37.4 21,945.2 100.0 Under Premium 1,543,188 56.4 1,195,066 43.6 2,738,254 100.0 Average $112 $146 $125

$14,000 to Exposure 18,861.1 86.6 2,909.8 13.4 21,770.8 100.0 $19,999 Premium 2,333,333 81.2 540,397 18.8 2,873,730 100.0 Average $124 $186 $132

$20,000 to Exposure 30,532.0 82.0 6,684.4 18.0 37,216.4 100.0 $25,999 Premium 4,064,796 75.8 1,296,360 24.2 5,361,156 100.0 Average $133 $194 $144

$26,000 to Exposure 15,314.2 71.7 6,034.9 28.3 21,349.1 100.0 $31,999 Premium 2,181,004 64.3 1,208,304 35.7 3,389,308 100.0 Average $142 $200 $159

$32,000 to Exposure 5,962.8 60.5 3,890.8 39.5 9,853.5 100.0 $37,999 Premium 840,367 51.2 801,042 48.8 1,641,409 100.0 Average $141 $206 $167

$38,000 to Exposure 5,192.8 57.7 3,799.6 42.3 8,992.4 100.0 $43,999 Premium 818,833 50.1 814,006 49.9 1,632,839 100.0 Average $158 $214 $182

$44,000 to Exposure 2,161.4 53.3 1,897.1 46.7 4,058.5 100.0 $49,999 Premium 343,875 44.5 429,503 55.5 773,378 100.0 Average $159 $226 $191

$50,000 to Exposure 11,940.8 48.6 12,608.0 51.4 24,548.8 100.0 $74,999 Premium 2,147,095 41.0 3,086,790 59.0 5,233,885 100.0 Average $180 $245 $213

$75,000 to Exposure 2,815.9 37.3 4,729.1 62.7 7,545.0 100.0 $99,999 Premium 621,187 32.2 1,310,524 67.8 1,931,711 100.0 Average $221 $277 $256

$100,000 and Exposure 4,047.3 33.2 8,135.8 66.8 12,183.2 100.0 Over Premium 1,219,323 27.5 3,209,452 72.5 4,428,775 100.0 Average $301 $394 $364

Total Exposure 110,568.4 65.2 58,894.5 34.8 169,462.9 100.0 Premium 16,113,001 53.7 13,891,444 46.3 30,004,445 100.0 Average $146 $236 $177

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Vermont Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 2,208.0 70.8 911.0 29.2 3,119.0 100.0 Under Premium 207,857 54.6 172,979 45.4 380,836 100.0 Average $94 $190 $122

$14,000 to Exposure 2,668.3 81.9 588.8 18.1 3,257.2 100.0 $19,999 Premium 316,703 72.4 120,489 27.6 437,192 100.0 Average $119 $205 $134

$20,000 to Exposure 7,204.4 80.0 1,801.6 20.0 9,006.0 100.0 $25,999 Premium 928,276 70.1 395,028 29.9 1,323,304 100.0 Average $129 $219 $147

$26,000 to Exposure 4,145.8 68.8 1,882.6 31.2 6,028.4 100.0 $31,999 Premium 581,095 57.5 428,761 42.5 1,009,856 100.0 Average $140 $228 $168

$32,000 to Exposure 2,062.6 64.6 1,128.8 35.4 3,191.3 100.0 $37,999 Premium 294,496 52.4 267,963 47.6 562,459 100.0 Average $143 $237 $176

$38,000 to Exposure 1,514.5 57.1 1,138.4 42.9 2,652.9 100.0 $43,999 Premium 240,672 47.1 270,249 52.9 510,921 100.0 Average $159 $237 $193

$44,000 to Exposure 595.0 46.1 697.0 53.9 1,292.0 100.0 $49,999 Premium 101,931 36.0 181,439 64.0 283,370 100.0 Average $171 $260 $219

$50,000 to Exposure 3,014.5 41.4 4,267.5 58.6 7,282.0 100.0 $74,999 Premium 606,548 31.6 1,312,903 68.4 1,919,451 100.0 Average $201 $308 $264

$75,000 to Exposure 752.2 31.0 1,673.2 69.0 2,425.3 100.0 $99,999 Premium 199,340 25.8 573,082 74.2 772,422 100.0 Average $265 $343 $318

$100,000 and Exposure 1,084.7 25.2 3,222.8 74.8 4,307.5 100.0 Over Premium 393,725 21.4 1,443,738 78.6 1,837,463 100.0 Average $363 $448 $427

Total Exposure 25,250.0 59.3 17,311.7 40.7 42,561.7 100.0 Premium 3,870,643 42.8 5,166,631 57.2 9,037,274 100.0 Average $153 $298 $212

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Virginia Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 70,965.5 80.6 17,080.9 19.4 88,046.4 100.0 Under Premium 7,856,077 68.4 3,626,665 31.6 11,482,742 100.0 Average $111 $212 $130

$14,000 to Exposure 45,375.8 89.4 5,382.4 10.6 50,758.2 100.0 $19,999 Premium 6,053,685 81.5 1,373,239 18.5 7,426,924 100.0 Average $133 $255 $146

$20,000 to Exposure 128,081.6 91.3 12,244.0 8.7 140,325.6 100.0 $25,999 Premium 17,676,241 84.1 3,352,906 15.9 21,029,147 100.0 Average $138 $274 $150

$26,000 to Exposure 63,373.2 85.6 10,666.1 14.4 74,039.3 100.0 $31,999 Premium 9,699,045 76.1 3,046,365 23.9 12,745,410 100.0 Average $153 $286 $172

$32,000 to Exposure 31,482.3 78.6 8,548.1 21.4 40,030.3 100.0 $37,999 Premium 4,709,524 65.3 2,506,259 34.7 7,215,783 100.0 Average $150 $293 $180

$38,000 to Exposure 23,485.5 75.0 7,809.6 25.0 31,295.1 100.0 $43,999 Premium 3,929,745 62.7 2,334,944 37.3 6,264,689 100.0 Average $167 $299 $200

$44,000 to Exposure 11,965.7 69.0 5,379.2 31.0 17,344.8 100.0 $49,999 Premium 2,058,273 55.5 1,652,555 44.5 3,710,828 100.0 Average $172 $307 $214

$50,000 to Exposure 58,055.1 65.7 30,281.5 34.3 88,336.6 100.0 $74,999 Premium 10,825,340 49.8 10,907,358 50.2 21,732,698 100.0 Average $186 $360 $246

$75,000 to Exposure 14,658.6 54.9 12,024.6 45.1 26,683.2 100.0 $99,999 Premium 3,331,781 39.9 5,014,041 60.1 8,345,822 100.0 Average $227 $417 $313

$100,000 and Exposure 26,030.4 58.3 18,621.2 41.7 44,651.6 100.0 Over Premium 7,713,377 44.0 9,830,731 56.0 17,544,108 100.0 Average $296 $528 $393

Total Exposure 473,473.5 78.7 128,037.5 21.3 601,511.0 100.0 Premium 73,853,088 62.9 43,645,063 37.1 117,498,151 100.0 Average $156 $341 $195

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Washington Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 41,536.3 73.4 15,054.3 26.6 56,590.7 100.0 Under Premium 5,922,069 64.5 3,260,979 35.5 9,183,048 100.0 Average $143 $217 $162

$14,000 to Exposure 43,048.5 90.8 4,358.6 9.2 47,407.1 100.0 $19,999 Premium 5,934,970 84.6 1,077,200 15.4 7,012,170 100.0 Average $138 $247 $148

$20,000 to Exposure 117,904.7 91.9 10,398.2 8.1 128,302.8 100.0 $25,999 Premium 16,784,721 86.7 2,578,673 13.3 19,363,394 100.0 Average $142 $248 $151

$26,000 to Exposure 78,613.3 89.4 9,369.6 10.6 87,982.9 100.0 $31,999 Premium 11,495,810 82.7 2,406,521 17.3 13,902,331 100.0 Average $146 $257 $158

$32,000 to Exposure 35,075.8 84.5 6,424.9 15.5 41,500.7 100.0 $37,999 Premium 5,144,539 75.2 1,699,775 24.8 6,844,314 100.0 Average $147 $265 $165

$38,000 to Exposure 28,005.5 78.5 7,655.3 21.5 35,660.8 100.0 $43,999 Premium 4,694,100 70.0 2,012,617 30.0 6,706,717 100.0 Average $168 $263 $188

$44,000 to Exposure 10,898.6 73.4 3,956.4 26.6 14,855.0 100.0 $49,999 Premium 1,926,889 63.7 1,096,619 36.3 3,023,508 100.0 Average $177 $277 $204

$50,000 to Exposure 58,557.6 66.1 29,985.3 33.9 88,542.8 100.0 $74,999 Premium 11,612,674 56.2 9,050,417 43.8 20,663,091 100.0 Average $198 $302 $233

$75,000 to Exposure 13,836.9 53.0 12,259.3 47.0 26,096.2 100.0 $99,999 Premium 3,421,232 47.5 3,777,691 52.5 7,198,923 100.0 Average $247 $308 $276

$100,000 and Exposure 21,524.6 50.6 21,031.5 49.4 42,556.1 100.0 Over Premium 6,929,240 43.0 9,197,356 57.0 16,126,596 100.0 Average $322 $437 $379

Total Exposure 449,001.8 78.8 120,493.3 21.2 569,495.0 100.0 Premium 73,866,244 67.1 36,157,848 32.9 110,024,092 100.0 Average $165 $300 $193

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms West Virginia Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 3,715.4 92.3 311.5 7.7 4,026.9 100.0 Under Premium 442,509 87.8 61,253 12.2 503,762 100.0 Average $119 $197 $125

$14,000 to Exposure 5,601.4 94.7 312.3 5.3 5,913.7 100.0 $19,999 Premium 806,048 92.8 62,545 7.2 868,593 100.0 Average $144 $200 $147

$20,000 to Exposure 11,490.4 96.3 439.3 3.7 11,929.8 100.0 $25,999 Premium 1,828,321 95.2 92,359 4.8 1,920,680 100.0 Average $159 $210 $161

$26,000 to Exposure 4,746.3 93.3 342.0 6.7 5,088.3 100.0 $31,999 Premium 830,172 91.0 82,584 9.0 912,756 100.0 Average $175 $241 $179

$32,000 to Exposure 2,271.5 90.9 228.5 9.1 2,500.0 100.0 $37,999 Premium 405,575 89.6 47,047 10.4 452,622 100.0 Average $179 $206 $181

$38,000 to Exposure 1,827.4 89.8 207.7 10.2 2,035.1 100.0 $43,999 Premium 362,596 89.5 42,446 10.5 405,042 100.0 Average $198 $204 $199

$44,000 to Exposure 1,005.1 86.9 152.1 13.1 1,157.2 100.0 $49,999 Premium 204,910 85.4 34,981 14.6 239,891 100.0 Average $204 $230 $207

$50,000 to Exposure 4,154.2 84.0 794.2 16.0 4,948.3 100.0 $74,999 Premium 996,106 81.5 226,105 18.5 1,222,211 100.0 Average $240 $285 $247

$75,000 to Exposure 946.8 76.3 294.6 23.7 1,241.3 100.0 $99,999 Premium 278,321 76.0 87,721 24.0 366,042 100.0 Average $294 $298 $295

$100,000 and Exposure 1,117.9 66.9 552.5 33.1 1,670.4 100.0 Over Premium 429,467 61.7 266,266 38.3 695,733 100.0 Average $384 $482 $417

Total Exposure 36,876.3 91.0 3,634.6 9.0 40,510.9 100.0 Premium 6,584,025 86.8 1,003,307 13.2 7,587,332 100.0 Average $179 $276 $187

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Wisconsin Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 19,306.6 83.6 3,795.7 16.4 23,102.3 100.0 Under Premium 1,927,320 74.2 668,949 25.8 2,596,269 100.0 Average $100 $176 $112

$14,000 to Exposure 50,453.8 96.9 1,611.1 3.1 52,064.8 100.0 $19,999 Premium 5,295,044 94.7 297,701 5.3 5,592,745 100.0 Average $105 $185 $107

$20,000 to Exposure 72,713.1 89.7 8,335.7 10.3 81,048.8 100.0 $25,999 Premium 8,585,595 85.5 1,450,734 14.5 10,036,329 100.0 Average $118 $174 $124

$26,000 to Exposure 49,711.8 82.5 10,571.3 17.5 60,283.2 100.0 $31,999 Premium 6,071,050 81.8 1,347,832 18.2 7,418,882 100.0 Average $122 $127 $123

$32,000 to Exposure 26,100.1 83.3 5,228.8 16.7 31,328.9 100.0 $37,999 Premium 3,287,005 77.7 942,429 22.3 4,229,434 100.0 Average $126 $180 $135

$38,000 to Exposure 21,461.5 78.2 5,987.3 21.8 27,448.8 100.0 $43,999 Premium 2,970,862 72.5 1,124,690 27.5 4,095,552 100.0 Average $138 $188 $149

$44,000 to Exposure 8,506.0 73.4 3,085.2 26.6 11,591.2 100.0 $49,999 Premium 1,197,039 66.5 604,131 33.5 1,801,170 100.0 Average $141 $196 $155

$50,000 to Exposure 37,418.5 59.2 25,806.2 40.8 63,224.7 100.0 $74,999 Premium 5,941,639 51.7 5,550,886 48.3 11,492,525 100.0 Average $159 $215 $182

$75,000 to Exposure 8,733.4 42.5 11,809.9 57.5 20,543.3 100.0 $99,999 Premium 1,716,188 37.9 2,813,516 62.1 4,529,704 100.0 Average $197 $238 $220

$100,000 and Exposure 9,337.8 32.3 19,532.6 67.7 28,870.4 100.0 Over Premium 2,413,559 27.5 6,354,365 72.5 8,767,924 100.0 Average $258 $325 $304

Total Exposure 303,742.6 76.0 95,763.7 24.0 399,506.3 100.0 Premium 39,405,301 65.1 21,155,233 34.9 60,560,534 100.0 Average $130 $221 $152

2013 Average Premium by Amount of Insurance Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms Wyoming Insurance Range HO-4 % HO-6 % Total % $13,999 and Exposure 1,875.8 81.7 419.6 18.3 2,295.3 100.0 Under Premium 218,322 70.6 90,924 29.4 309,246 100.0 Average $116 $217 $135

$14,000 to Exposure 870.4 89.4 102.8 10.6 973.2 100.0 $19,999 Premium 127,505 84.0 24,355 16.0 151,860 100.0 Average $146 $237 $156

$20,000 to Exposure 2,919.6 92.1 249.3 7.9 3,168.9 100.0 $25,999 Premium 428,855 86.9 64,601 13.1 493,456 100.0 Average $147 $259 $156

$26,000 to Exposure 2,355.0 91.4 220.4 8.6 2,575.4 100.0 $31,999 Premium 335,485 86.5 52,428 13.5 387,913 100.0 Average $142 $238 $151

$32,000 to Exposure 1,163.3 85.4 198.3 14.6 1,361.7 100.0 $37,999 Premium 167,895 77.7 48,189 22.3 216,084 100.0 Average $144 $243 $159

$38,000 to Exposure 1,287.2 89.8 146.0 10.2 1,433.2 100.0 $43,999 Premium 194,315 84.8 34,914 15.2 229,229 100.0 Average $151 $239 $160

$44,000 to Exposure 703.1 89.8 80.0 10.2 783.1 100.0 $49,999 Premium 101,373 84.0 19,326 16.0 120,699 100.0 Average $144 $242 $154

$50,000 to Exposure 4,048.8 84.5 742.4 15.5 4,791.2 100.0 $74,999 Premium 635,003 76.1 199,673 23.9 834,676 100.0 Average $157 $269 $174

$75,000 to Exposure 1,173.8 76.5 359.7 23.5 1,533.4 100.0 $99,999 Premium 211,827 63.7 120,612 36.3 332,439 100.0 Average $180 $335 $217

$100,000 and Exposure 1,527.6 67.8 723.9 32.2 2,251.5 100.0 Over Premium 367,567 52.1 338,035 47.9 705,602 100.0 Average $241 $467 $313

Total Exposure 17,924.4 84.7 3,242.4 15.3 21,166.8 100.0 Premium 2,788,147 73.7 993,057 26.3 3,781,204 100.0 Average $156 $306 $179

The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. NAIC members, together with the central resources of the NAIC, form the national system of state-based insurance regulation in the U.S.

For more information, visit www.naic.org.