Dwelling Fire, Homeowners Owner- Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’S Insurance Report: Data for 2018

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Dwelling Fire, Homeowners Owner- Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2018

2020

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Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2018

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

Mold Damage ...... 12

Terrorism ...... 12

Other Variables...... 13

Summary...... 14

Table 1: 2018 House-Years by State and Countrywide by Policy Type...... 15

Table 2: 2018 House-Years by State and Countrywide by Policy Form ...... 19

Table 3: 2018 House-Years by State and Countrywide by Amount of Insurance ...... 23

Table 4: 2018 Average Premium by Policy Form by Amount of Insurance Dwelling Fire and Homeowners Owner-Occupied Policy Forms ...... 31

Table 5: 2018 Average Premium by Policy Form by Amount of Insurance Homeowners Tenants and Condominium/Cooperative Unit Policy Forms ...... 137

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 2018 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; Independent Statistical Service, Inc. (ISS); and the Mutual Service Office (MSO).

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).

 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.

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; South Carolina Wind and Hail Underwriting Association; and Virginia Property Insurance 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 may purchase coverage for perils other than fire. The data for single-family owner-occupied dwellings in this report includes coverage not limited to fire. 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)

 HO-1: Basic “named-perils”2 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.  HO-3: Provides “all-risks”3 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).

 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 85,576,834.7 house-years. In 2018, homeowners owner-occupied policy exposures accounted for 71.4 percent of overall exposures countrywide. Tenant and condominium policy exposures accounted for 26.9 percent of the total, while dwelling fire exposures made up the remaining 1.7 percent.

Exposure data for the eight individual policy forms is provided in Table 2. The HO-3 accounted for 56.5 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, 79.1 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, 73.8 percent were written on the HO-4 form.

Figure 1 ‐ 2018 Percent of Homeowners Owner‐Occupied Written Exposures Countrywide By Policy Form HO‐1 HO‐2 HO‐8 1.57% 6.05% 0.47%

HO‐5 12.82%

HO‐3 79.09%

Figure 2 ‐ 2018 Percent of Tenant and Condominium/ Co‐op Written Exposures Countrywide By Policy Form

HO‐6 (Condo/Co‐op) 26.16%

HO‐4 (Tenants) 73.84%

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 2018, 60.1 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 66.7 percent of the exposures for the HO-4 and HO-6 forms are concentrated at amounts below $32,000, and 89.3 percent of these policies provide less than $75,000 in coverage.

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 2.4 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 52.2 percent of the total, then drop to 32.1 percent at insurance amounts of $50,000–$74,999. At coverage amounts above $75,000, dwelling fire exposures account for no more than 13.4 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 44 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.

4 Negative 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.

Factors Affecting the Cost of Insurance

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.

2018 Homeowners Median Amount of Insurance

2018 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 2010–2019, the total insured losses for U.S. catastrophes (in 2019 dollars) were more than $351.2 billion.6

The following table shows, in descending order of loss, the 10 most costly insured property U.S. catastrophes through 2019.7 Three of these were hurricanes that occurred in 2017, including Hurricane Maria.

Rank Date Peril Dollars when In 2019 Dollars Occurred (millions) (millions)* 1 Aug. 2005 Hurricane Katrina $41,100 $52,828 2 Sep. 2017 Hurricane Maria ** 25,000-30,000 26,100-31,300 3 Sep. 2017 Hurricane Irma ** 20,000-25,000 26,100-31,300 4 Aug. 2017 Hurricane Harvey ** 18,000-20,000 18,800-20,800 5 Sep. 2001 World Trade Center, Pentagon terrorist attacks 18,779 26,431 6 Oct. 2012 Hurricane Sandy 18,750 21,065 7 Aug. 1992 Hurricane Andrew 15,500 25,867 8 Jan. 1994 Northridge, CA earthquake 12,500 19,952 9 Sep. 2008 Hurricane Ike 12,500 14,898 10 Oct. 2018 Hurricane Michael** 9,000-12,000 9,200-12,200 Property losses only. Excludes flood damage covered by the federally administered National Flood Insurance Program *Adjusted for inflation through 2018 by ISO using the GDP implicit price deflator. **Insurance Information Institute estimate based on data from catastrophe risk modelers, reinsurance companies, the Property Claims Services unit of Verisk Analytics, the Federal Emergency Management Agency of the U.S. Department of Homeland Security, and the Florida Office of Insurance Regulation. These estimates are preliminary because the organizations involved periodically resurvey the events, and the severity of losses and other factors create a high level of uncertainty surrounding the ultimate loss figures.

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.

The Federal Emergency Management Agency (FEMA) definition of disaster includes chemical emergencies, coastal storm, dam failure, drought, earthquake, fire, fishing losses, flood, freezing, human cause, hurricane, landslide, severe ice storm, severe storm, snow, terrorism, tornado, toxic substances, tsunami, typhoon, volcano, and wildfire. The following table lists the number of declared disasters, by state and year.8

2016-2020 Disaster Declarations

State 2020 2019 2018 2017 2016 State 2020 2019 2018 2017 2016 Alabama 5 2 2 1 0 Montana 1 1 2 0 2 Alaska 1 1 2 1 0 Nebraska 1 2 2 2 0 Arizona 1 1 2 0 0 Nevada 1 0 0 2 0 Arkansas 32011 New Hampshire 1132 0 California 33360 New Jersey 1010 1 Colorado 100 0 0 New Mexico 1001 0 Connecticut 10200 New York 2112 0 Delaware 20001 North Carolina 3120 1 District of Columbia 100 0 1 North Dakota 3101 0 Florida 21122 Ohio 1210 0 Georgia 101 3 1 Oklahoma 1213 1 Hawaii 20301 Oregon 3202 1 Idaho 110 4 0 Pennsylvania 1010 2 Illinois 110 0 0 Rhode Island 1000 0 Indiana 10100 South Carolina 3111 1 Iowa 21212 South Dakota 1401 1 Kansas 12131 Tennessee 4201 1 Kentucky 112 0 1 Texas 1311 3 Louisiana 33022 Utah 2001 0 Maine 00200 Vermont 2121 0 Maryland 102 0 2 Virginia 1020 2 Massachusetts 102 0 0 Washington 2111 0 Michigan 201 1 0 West Virginia 1121 1 Minnesota 12101 Wisconsin 2121 2 Mississippi 54031 Wyoming 1002 0 Missouri 22010 Other* 9644 0

Grand Total 2020** 2019 2018 2017 2016 Disaster Declarations 95 60 59 59 36

*Other - American Samoa, Federated States of Micronesia, Guam, Northern Mariana Islands, Puerto Rico, US Virgin Islands, & Tribal Governments ** FEMA 2020 Disaster Declarartions include state declarations for the Covid-19 Pandemic

The number of tornadoes averaged 1,193 per year during the 2010-2019 time period, but the number in individual years ranged from a low of 886 in 2014 to a high of 1,691 in 2011.9 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.

8 Federal Emergency Management Agency (FEMA), www.fema.gov/disasters/grid/year,as of 10/30/2020. 9 Insurance Information Institute, www.iii.org/facts_statistics/tornadoes-and-thunderstorms.html; U.S. Department of Commerce; Storm Prediction Center; National Weather Service.

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.

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 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.

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; in addition to new homes, older homes are being retrofitted to comply with new building codes. 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 64.1 percent of policies sold in Washington, D.C., in 2018 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 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 Crews at (816) 783-8563.

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

2018 House-Years by State and Countrywide by Policy Type

2018 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 61,147.8 4.6 1,061,317.7 79.8 208,209.0 15.6 1,330,674.4 100.0 Alaska 3,113.0 1.5 149,562.6 73.1 51,929.2 25.4 204,604.8 100.0 Arizona 14,773.8 0.7 1,460,827.3 74.1 495,396.5 25.1 1,970,997.6 100.0 Arkansas 13,952.2 2.4 475,178.9 81.0 97,226.9 16.6 586,358.0 100.0 California 322,618.6 3.4 5,985,824.2 62.2 3,313,774.1 34.4 9,622,216.8 100.0 Colorado 10,800.6 0.6 1,162,002.3 64.8 621,564.3 34.6 1,794,367.2 100.0 Connecticut 7,694.5 0.7 755,463.0 72.1 284,455.0 27.2 1,047,612.5 100.0 Delaware 2,017.3 0.6 240,035.5 75.7 74,936.4 23.6 316,989.3 100.0 Dist. of Columbia 405.8 0.2 80,988.0 35.7 145,460.0 64.1 226,853.8 100.0 Florida 209,733.3 4.4 2,987,238.1 63.2 1,529,884.0 32.4 4,726,855.4 100.0 Georgia 39,066.0 1.3 2,188,901.5 75.1 684,977.7 23.5 2,912,945.2 100.0 Hawaii 1,441.8 0.4 203,707.9 50.8 195,543.1 48.8 400,692.8 100.0 Idaho 1,625.4 0.4 343,285.7 80.7 80,623.3 18.9 425,534.4 100.0 Illinois 14,073.2 0.4 2,328,648.8 70.3 971,096.0 29.3 3,313,817.9 100.0 Indiana 7,195.3 0.4 1,445,344.5 80.4 344,330.7 19.2 1,796,870.4 100.0 Iowa 7,070.5 0.8 658,259.3 76.6 193,727.9 22.6 859,057.8 100.0 Kansas 30,505.8 4.0 559,275.7 73.2 174,759.3 22.9 764,540.8 100.0 Kentucky 6,076.7 0.5 913,574.7 77.9 252,887.9 21.6 1,172,539.3 100.0 Louisiana 40,656.7 4.5 718,308.6 79.4 145,912.7 16.1 904,877.9 100.0 Maine 5,847.4 1.2 385,023.3 82.3 77,024.8 16.5 467,895.5 100.0 Maryland 7,952.5 0.4 1,349,423.8 68.0 626,473.0 31.6 1,983,849.3 100.0 Massachusetts 4,710.3 0.2 1,537,677.1 71.4 611,243.8 28.4 2,153,631.2 100.0 Michigan 16,772.7 0.6 2,209,030.4 78.2 599,818.3 21.2 2,825,621.3 100.0 Minnesota 8,183.5 0.5 1,141,415.4 70.5 469,935.1 29.0 1,619,534.0 100.0 Mississippi 23,919.1 4.5 442,424.4 82.6 69,177.2 12.9 535,520.7 100.0 Missouri 17,976.5 1.2 1,070,131.5 74.2 354,458.9 24.6 1,442,566.9 100.0 Montana 2,009.4 0.7 206,218.9 75.8 63,819.4 23.5 272,047.7 100.0 Nebraska 5,263.8 0.9 420,690.8 75.3 132,681.5 23.8 558,636.1 100.0 Nevada 5,246.5 0.6 574,559.5 67.1 276,854.2 32.3 856,660.2 100.0 New Hampshire 2,240.4 0.5 342,436.8 74.9 112,732.4 24.6 457,409.6 100.0 New Jersey 16,561.6 0.7 1,710,239.6 69.8 724,672.8 29.6 2,451,474.0 100.0 New Mexico 5,475.8 1.1 400,864.5 82.3 80,517.6 16.5 486,857.9 100.0 New York 31,041.4 0.7 2,849,030.3 64.2 1,558,688.0 35.1 4,438,759.7 100.0 North Carolina 170,447.4 7.0 1,723,894.2 70.9 537,008.2 22.1 2,431,349.8 100.0 North Dakota 803.3 0.5 106,347.9 65.5 55,187.3 34.0 162,338.6 100.0 Ohio 25,488.1 0.7 2,777,532.8 78.0 758,321.1 21.3 3,561,342.0 100.0 Oklahoma 26,868.3 2.8 785,195.0 81.1 156,410.4 16.2 968,473.8 100.0 Oregon 5,296.7 0.4 864,203.2 70.3 359,860.4 29.3 1,229,360.3 100.0 Pennsylvania 23,820.9 0.6 3,067,134.1 77.5 865,888.7 21.9 3,956,843.7 100.0 Rhode Island 4,024.0 1.3 235,589.9 78.3 61,349.3 20.4 300,963.3 100.0 South Carolina 19,854.0 1.5 1,026,506.2 77.5 277,918.8 21.0 1,324,278.9 100.0 South Dakota 1,358.4 0.7 152,384.2 74.3 51,487.4 25.1 205,230.0 100.0 Tennessee 26,388.5 1.4 1,460,013.3 78.2 379,473.9 20.3 1,865,875.8 100.0 Texas 177,391.3 2.7 4,770,675.7 71.6 1,714,907.6 25.7 6,662,974.7 100.0 Utah 3,043.3 0.4 548,260.6 72.3 206,522.3 27.3 757,826.2 100.0 Vermont 2,582.1 1.2 172,902.4 78.1 45,967.3 20.8 221,451.8 100.0 Virginia 28,936.4 1.1 1,801,361.3 68.9 783,522.5 30.0 2,613,820.2 100.0 Washington 11,649.9 0.5 1,539,750.8 68.2 706,370.6 31.3 2,257,771.3 100.0 West Virginia 3,622.8 0.8 378,467.7 87.4 50,829.7 11.7 432,920.1 100.0 Wisconsin 7,257.7 0.5 1,201,897.8 77.4 343,524.6 22.1 1,552,680.0 100.0 Wyoming 1,264.7 0.9 115,130.7 80.8 26,068.8 18.3 142,464.2 100.0 Total 1,487,266.8 1.7 61,084,158.1 71.4 23,005,409.8 26.9 85,576,834.7 100.0

2018 House-Years by State and Countrywide by Policy Form

2018 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 61,147.8 4.6 568.5 0.0 90,032.8 6.8 868,005.0 65.2 185,970.8 14.0 Alaska 3,113.0 1.5 19.7 0.0 87.0 0.0 148,453.0 72.6 39,560.2 19.3 Arizona 14,773.8 0.7 770.8 0.0 98,782.5 5.0 1,110,076.1 56.3 377,187.3 19.1 Arkansas 13,952.2 2.4 1.3 0.0 36,282.4 6.2 390,208.1 66.5 90,314.1 15.4 California 322,618.6 3.4 0.0 0.0 0.0 0.0 4,700,716.1 48.9 2,351,267.7 24.4 Colorado 10,800.6 0.6 3,761.1 0.2 99,333.3 5.5 893,565.1 49.8 415,959.3 23.2 Connecticut 7,694.5 0.7 2.2 0.0 28,190.2 2.7 627,750.8 59.9 179,811.8 17.2 Delaware 2,017.3 0.6 0.0 0.0 11,364.1 3.6 222,564.7 70.2 56,727.6 17.9 Dist. of Columbia 405.8 0.2 3.0 0.0 494.6 0.2 70,112.3 30.9 93,900.7 41.4 Florida 209,733.3 4.4 0.0 0.0 12,999.2 0.3 2,903,790.3 61.4 815,238.0 17.2 Georgia 39,066.0 1.3 7.1 0.0 167,118.4 5.7 1,782,949.2 61.2 578,057.8 19.8 Hawaii 1,441.8 0.4 22.0 0.0 1,652.6 0.4 198,977.5 49.7 71,809.8 17.9 Idaho 1,625.4 0.4 1,323.2 0.3 31,279.1 7.4 243,274.6 57.2 70,789.2 16.6 Illinois 14,073.2 0.4 620.8 0.0 243,593.0 7.4 1,803,865.6 54.4 563,024.4 17.0 Indiana 7,195.3 0.4 619.4 0.0 103,509.2 5.8 1,139,422.3 63.4 297,288.5 16.5 Iowa 7,070.5 0.8 90.3 0.0 24,078.3 2.8 570,956.7 66.5 153,006.0 17.8 Kansas 30,505.8 4.0 836.6 0.1 56,125.2 7.3 438,070.5 57.3 164,521.4 21.5 Kentucky 6,076.7 0.5 305.3 0.0 93,127.2 7.9 746,472.8 63.7 213,184.9 18.2 Louisiana 40,656.7 4.5 212.8 0.0 36,793.0 4.1 662,978.7 73.3 131,475.0 14.5 Maine 5,847.4 1.2 496.0 0.1 21,756.3 4.6 321,057.6 68.6 57,649.9 12.3 Maryland 7,952.5 0.4 212.8 0.0 75,676.8 3.8 1,046,039.2 52.7 474,568.1 23.9 Massachusetts 4,710.3 0.2 16.0 0.0 42,195.1 2.0 1,340,023.5 62.2 356,970.3 16.6 Michigan 16,772.7 0.6 614.1 0.0 139,156.1 4.9 1,926,043.4 68.2 422,545.5 15.0 Minnesota 8,183.5 0.5 684.4 0.0 46,725.8 2.9 943,205.5 58.2 318,653.0 19.7 Mississippi 23,919.1 4.5 -3.0 0.0 33,774.3 6.3 386,836.2 72.2 64,141.8 12.0 Missouri 17,976.5 1.2 884.9 0.1 46,000.5 3.2 876,196.6 60.7 295,293.7 20.5 Montana 2,009.4 0.7 11.0 0.0 7,420.1 2.7 160,143.7 58.9 52,299.3 19.2 Nebraska 5,263.8 0.9 251.6 0.0 34,298.8 6.1 356,002.5 63.7 125,586.1 22.5 Nevada 5,246.5 0.6 480.1 0.1 32,075.3 3.7 434,604.2 50.7 213,287.6 24.9 New Hampshire 2,240.4 0.5 205.0 0.0 13,001.0 2.8 291,282.3 63.7 69,901.2 15.3 New Jersey 16,561.6 0.7 8.2 0.0 107,528.2 4.4 1,414,545.0 57.7 426,280.9 17.4 New Mexico 5,475.8 1.1 2.8 0.0 26,785.3 5.5 302,473.2 62.1 70,719.5 14.5 New York 31,041.4 0.7 631.5 0.0 335,374.0 7.6 2,273,861.4 51.2 937,712.5 21.1 North Carolina 170,447.4 7.0 0.0 0.0 74,927.5 3.1 1,616,877.4 66.5 469,020.0 19.3 North Dakota 803.3 0.5 380.1 0.2 7,120.3 4.4 80,644.0 49.7 48,133.3 29.6 Ohio 25,488.1 0.7 9,095.4 0.3 228,678.3 6.4 2,067,564.8 58.1 587,925.3 16.5 Oklahoma 26,868.3 2.8 3,905.9 0.4 79,968.4 8.3 527,311.0 54.4 146,244.5 15.1 Oregon 5,296.7 0.4 8.0 0.0 48,872.6 4.0 619,782.3 50.4 317,378.3 25.8 Pennsylvania 23,820.9 0.6 4,821.0 0.1 221,510.3 5.6 2,175,678.0 55.0 730,591.5 18.5 Rhode Island 4,024.0 1.3 52.4 0.0 30,366.8 10.1 185,304.7 61.6 41,053.3 13.6 South Carolina 19,854.0 1.5 13.4 0.0 69,006.7 5.2 895,738.8 67.6 216,277.8 16.3 South Dakota 1,358.4 0.7 331.1 0.2 6,159.8 3.0 124,051.2 60.4 46,989.3 22.9 Tennessee 26,388.5 1.4 25,254.9 1.4 80,517.3 4.3 1,197,315.0 64.2 319,956.7 17.1 Texas 177,391.3 2.7 893,795.8 13.4 488,775.3 7.3 2,755,172.5 41.4 1,605,237.1 24.1 Utah 3,043.3 0.4 22.8 0.0 43,466.2 5.7 395,921.2 52.2 142,743.5 18.8 Vermont 2,582.1 1.2 2,235.7 1.0 5,979.7 2.7 150,549.5 68.0 28,159.9 12.7 Virginia 28,936.4 1.1 649.3 0.0 80,706.0 3.1 1,492,971.6 57.1 624,863.1 23.9 Washington 11,649.9 0.5 18.8 0.0 47,637.4 2.1 1,154,190.9 51.1 588,152.4 26.1 West Virginia 3,622.8 0.8 591.6 0.1 26,295.3 6.1 280,435.8 64.8 47,100.5 10.9 Wisconsin 7,257.7 0.5 5,786.2 0.4 58,882.5 3.8 907,997.3 58.5 269,680.4 17.4 Wyoming 1,264.7 0.9 3.8 0.0 2,401.4 1.7 90,814.8 63.7 22,464.9 15.8 Total 1,487,266.8 1.7 960,625.3 1.1 3,697,880.8 4.3 48,312,844.0 56.5 16,986,675.2 19.8

2018 House-Years by Policy Form HO-5 HO-6 HO-8 Total State House-Yrs % House-Yrs % House-Yrs % House-Yrs % Alabama 85,752.3 6.4 22,238.3 1.7 16,959.1 1.3 1,330,674.4 100.0 Alaska 991.2 0.5 12,369.0 6.0 11.8 0.0 204,604.8 100.0 Arizona 243,726.4 12.4 118,209.3 6.0 7,471.5 0.4 1,970,997.6 100.0 Arkansas 34,365.0 5.9 6,912.8 1.2 14,322.1 2.4 586,358.0 100.0 California 1,284,372.9 13.3 962,506.4 10.0 735.2 0.0 9,622,216.8 100.0 Colorado 160,194.3 8.9 205,605.1 11.5 5,148.5 0.3 1,794,367.2 100.0 Connecticut 99,519.8 9.5 104,643.2 10.0 0.0 0.0 1,047,612.5 100.0 Delaware 5,875.5 1.9 18,208.8 5.7 231.3 0.1 316,989.3 100.0 Dist. of Columbia 10,378.1 4.6 51,559.3 22.7 0.0 0.0 226,853.8 100.0 Florida 34,755.8 0.7 714,646.0 15.1 35,692.9 0.8 4,726,855.4 100.0 Georgia 222,839.5 7.6 106,919.9 3.7 15,987.3 0.5 2,912,945.2 100.0 Hawaii 1,810.0 0.5 123,733.3 30.9 1,245.8 0.3 400,692.8 100.0 Idaho 67,043.8 15.8 9,834.2 2.3 365.0 0.1 425,534.4 100.0 Illinois 272,619.6 8.2 408,071.6 12.3 7,949.8 0.2 3,313,817.9 100.0 Indiana 195,180.1 10.9 47,042.2 2.6 6,613.5 0.4 1,796,870.4 100.0 Iowa 60,588.8 7.1 40,721.9 4.7 2,545.4 0.3 859,057.8 100.0 Kansas 57,755.4 7.6 10,237.8 1.3 6,488.0 0.8 764,540.8 100.0 Kentucky 57,247.9 4.9 39,703.0 3.4 16,421.4 1.4 1,172,539.3 100.0 Louisiana 12,043.3 1.3 14,437.7 1.6 6,280.9 0.7 904,877.9 100.0 Maine 40,562.6 8.7 19,374.9 4.1 1,150.8 0.2 467,895.5 100.0 Maryland 227,269.0 11.5 151,904.9 7.7 226.1 0.0 1,983,849.3 100.0 Massachusetts 154,957.6 7.2 254,273.5 11.8 484.9 0.0 2,153,631.2 100.0 Michigan 142,596.2 5.0 177,272.8 6.3 620.7 0.0 2,825,621.3 100.0 Minnesota 145,734.3 9.0 151,282.1 9.3 5,065.5 0.3 1,619,534.0 100.0 Mississippi 8,664.7 1.6 5,035.4 0.9 13,152.3 2.5 535,520.7 100.0 Missouri 130,231.9 9.0 59,165.3 4.1 16,817.6 1.2 1,442,566.9 100.0 Montana 37,811.8 13.9 11,520.1 4.2 832.3 0.3 272,047.7 100.0 Nebraska 27,406.2 4.9 7,095.4 1.3 2,731.8 0.5 558,636.1 100.0 Nevada 104,637.4 12.2 63,566.6 7.4 2,762.6 0.3 856,660.2 100.0 New Hampshire 37,714.3 8.2 42,831.3 9.4 234.3 0.1 457,409.6 100.0 New Jersey 188,089.1 7.7 298,391.9 12.2 69.2 0.0 2,451,474.0 100.0 New Mexico 69,119.8 14.2 9,798.1 2.0 2,483.5 0.5 486,857.9 100.0 New York 235,267.6 5.3 620,975.5 14.0 3,895.8 0.1 4,438,759.7 100.0 North Carolina 26,179.0 1.1 67,988.2 2.8 5,910.3 0.2 2,431,349.8 100.0 North Dakota 17,917.8 11.0 7,054.0 4.3 285.8 0.2 162,338.6 100.0 Ohio 464,353.3 13.0 170,395.8 4.8 7,840.9 0.2 3,561,342.0 100.0 Oklahoma 132,484.8 13.7 10,165.9 1.0 41,524.9 4.3 968,473.8 100.0 Oregon 194,718.3 15.8 42,482.1 3.5 822.0 0.1 1,229,360.3 100.0 Pennsylvania 657,906.4 16.6 135,297.2 3.4 7,218.3 0.2 3,956,843.7 100.0 Rhode Island 18,904.2 6.3 20,296.0 6.7 961.8 0.3 300,963.3 100.0 South Carolina 52,887.6 4.0 61,641.0 4.7 8,859.8 0.7 1,324,278.9 100.0 South Dakota 21,523.8 10.5 4,498.2 2.2 318.4 0.2 205,230.0 100.0 Tennessee 147,185.8 7.9 59,517.3 3.2 9,740.3 0.5 1,865,875.8 100.0 Texas 632,932.3 9.5 109,670.5 1.6 0.0 0.0 6,662,974.7 100.0 Utah 108,641.2 14.3 63,778.8 8.4 209.3 0.0 757,826.2 100.0 Vermont 14,004.8 6.3 17,807.4 8.0 132.8 0.1 221,451.8 100.0 Virginia 226,561.3 8.7 158,659.4 6.1 473.1 0.0 2,613,820.2 100.0 Washington 336,301.4 14.9 118,218.2 5.2 1,602.3 0.1 2,257,771.3 100.0 West Virginia 69,636.8 16.1 3,729.2 0.9 1,508.3 0.3 432,920.1 100.0 Wisconsin 227,522.3 14.7 73,844.2 4.8 1,709.5 0.1 1,552,680.0 100.0 Wyoming 21,582.7 15.1 3,603.9 2.5 327.9 0.2 142,464.2 100.0 Total 7,828,365.3 9.1 6,018,734.6 7.0 284,442.8 0.3 85,576,834.7 100.0

2018 House-Years by State and Countrywide by Amount of Insurance

2018 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 21,091.2 1.9 28,783.6 2.6 45,232.8 4.0 87,330.7 7.8 Alaska 631.7 0.4 402.9 0.3 770.3 0.5 1,698.1 1.1 Arizona 4,512.4 0.3 5,095.3 0.3 13,127.8 0.9 40,527.8 2.7 Arkansas 9,158.9 1.9 13,389.8 2.7 26,659.3 5.5 46,199.2 9.4 California 4,240.7 0.1 4,346.0 0.1 5,617.2 0.1 15,585.8 0.2 Colorado 1,861.5 0.2 2,009.9 0.2 4,663.7 0.4 15,855.1 1.4 Connecticut 301.3 0.0 222.3 0.0 260.8 0.0 1,494.2 0.2 Delaware 127.9 0.1 150.7 0.1 683.2 0.3 2,530.3 1.0 Dist. of Columbia 26.9 0.0 3.6 0.0 15.0 0.0 141.7 0.2 Florida 21,194.6 0.7 18,618.8 0.6 18,908.7 0.6 80,625.3 2.5 Georgia 12,231.9 0.5 14,456.2 0.6 33,551.8 1.5 92,865.1 4.2 Hawaii 52.1 0.0 93.8 0.0 339.0 0.2 1,056.2 0.5 Idaho 214.1 0.1 630.3 0.2 2,926.8 0.8 10,634.6 3.1 Illinois 5,371.9 0.2 8,656.5 0.4 14,506.8 0.6 43,269.5 1.8 Indiana 5,564.5 0.4 14,375.2 1.0 33,439.7 2.3 85,793.1 5.9 Iowa 5,609.6 0.8 7,575.2 1.1 13,650.8 2.1 37,370.1 5.6 Kansas 18,943.3 3.2 18,152.2 3.1 24,406.5 4.1 40,676.4 6.9 Kentucky 10,952.5 1.2 18,053.2 2.0 39,784.5 4.3 76,889.8 8.4 Louisiana 9,495.0 1.3 13,905.4 1.8 30,724.2 4.0 59,426.6 7.8 Maine 1,463.3 0.4 2,159.3 0.6 4,194.3 1.1 9,084.8 2.3 Maryland 550.2 0.0 1,014.5 0.1 2,449.4 0.2 12,982.3 1.0 Massachusetts 806.0 0.1 847.8 0.1 1,040.8 0.1 2,926.3 0.2 Michigan 8,702.9 0.4 16,865.6 0.8 35,438.8 1.6 89,136.4 4.0 Minnesota 5,411.3 0.5 5,947.8 0.5 10,503.8 0.9 22,526.5 2.0 Mississippi 12,602.8 2.7 16,846.3 3.6 29,827.3 6.4 47,164.7 10.1 Missouri 7,767.8 0.7 15,044.4 1.4 25,231.3 2.3 49,885.9 4.6 Montana 416.4 0.2 1,061.8 0.5 2,745.8 1.3 7,269.6 3.5 Nebraska 4,012.6 0.9 6,038.8 1.4 12,638.2 3.0 28,551.2 6.7 Nevada 1,478.1 0.3 807.5 0.1 1,184.7 0.2 5,054.0 0.9 New Hampshire 367.1 0.1 636.9 0.2 1,329.4 0.4 3,597.7 1.0 New Jersey 1,384.8 0.1 2,179.0 0.1 1,970.1 0.1 4,585.8 0.3 New Mexico 1,846.5 0.5 2,149.1 0.5 6,440.8 1.6 19,068.8 4.7 New York 8,017.8 0.3 11,543.2 0.4 16,980.5 0.6 30,762.8 1.1 North Carolina 46,329.7 2.4 34,519.9 1.8 48,057.2 2.5 105,827.6 5.6 North Dakota 889.9 0.8 783.8 0.7 1,659.9 1.5 4,152.0 3.9 Ohio 11,355.3 0.4 18,470.3 0.7 38,066.4 1.4 112,377.7 4.0 Oklahoma 34,270.2 4.2 31,501.4 3.9 41,374.0 5.1 62,788.1 7.7 Oregon 547.2 0.1 914.8 0.1 2,862.3 0.3 11,692.2 1.3 Pennsylvania 11,374.8 0.4 17,713.2 0.6 24,121.1 0.8 52,907.2 1.7 Rhode Island 107.3 0.0 163.4 0.1 590.1 0.2 1,294.3 0.5 South Carolina 9,848.1 0.9 6,481.2 0.6 17,442.6 1.7 56,154.3 5.4 South Dakota 1,771.0 1.2 2,138.6 1.4 3,264.1 2.1 7,995.3 5.2 Tennessee 16,301.3 1.1 22,613.2 1.5 45,945.1 3.1 106,840.9 7.2 Texas 103,087.2 2.1 117,336.7 2.4 162,848.3 3.3 271,885.3 5.5 Utah 562.5 0.1 581.8 0.1 1,805.0 0.3 7,784.8 1.4 Vermont 1,048.8 0.6 1,106.3 0.6 1,764.3 1.0 3,000.1 1.7 Virginia 6,211.6 0.3 6,552.6 0.4 17,742.3 1.0 58,156.2 3.2 Washington 1,022.2 0.1 1,458.3 0.1 3,849.8 0.2 14,271.0 0.9 West Virginia 2,920.3 0.8 6,350.6 1.7 13,339.7 3.5 28,417.3 7.4 Wisconsin 4,850.4 0.4 6,417.1 0.5 13,465.7 1.1 30,470.6 2.5 Wyoming 133.4 0.1 425.3 0.4 1,420.0 1.2 4,564.0 3.9 Total 439,040.3 0.7 527,590.8 0.8 900,861.4 1.4 2,013,144.8 3.2

2018 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 121,638.8 10.8 137,565.2 12.3 129,665.0 11.6 327,416.5 29.2 Alaska 3,368.9 2.2 5,762.8 3.8 8,681.8 5.7 52,897.2 34.6 Arizona 86,583.3 5.9 143,184.4 9.7 171,508.5 11.6 563,020.9 38.2 Arkansas 60,309.5 12.3 65,761.0 13.4 58,462.2 12.0 129,928.8 26.6 California 47,104.3 0.7 111,954.3 1.8 196,757.3 3.1 1,531,732.3 24.3 Colorado 35,224.1 3.0 60,273.8 5.1 83,193.3 7.1 395,819.8 33.7 Connecticut 4,862.7 0.6 14,098.9 1.8 27,092.8 3.6 235,406.3 30.8 Delaware 7,050.7 2.9 13,402.8 5.5 18,741.5 7.7 88,117.3 36.4 Dist. of Columbia 812.4 1.0 2,169.6 2.7 3,639.6 4.5 20,059.8 24.6 Florida 206,452.3 6.5 330,879.8 10.3 377,371.1 11.8 1,242,138.8 38.9 Georgia 167,192.2 7.5 234,929.3 10.5 251,012.8 11.3 739,393.5 33.2 Hawaii 1,938.6 0.9 3,579.8 1.7 5,981.9 2.9 46,603.2 22.7 Idaho 24,091.2 7.0 38,307.1 11.1 42,766.3 12.4 128,385.9 37.2 Illinois 89,909.9 3.8 139,833.2 6.0 172,846.0 7.4 785,722.2 33.5 Indiana 136,610.7 9.4 174,903.4 12.0 180,314.3 12.4 496,147.9 34.2 Iowa 69,027.0 10.4 85,751.3 12.9 83,976.4 12.6 223,235.3 33.6 Kansas 53,234.6 9.0 61,793.9 10.5 62,047.8 10.5 176,016.2 29.8 Kentucky 103,950.9 11.3 114,833.5 12.5 104,209.0 11.3 261,273.0 28.4 Louisiana 76,932.2 10.1 91,397.2 12.0 86,264.8 11.4 234,669.3 30.9 Maine 17,340.9 4.4 30,092.7 7.7 38,802.9 9.9 149,252.0 38.2 Maryland 42,816.8 3.2 84,060.8 6.2 112,591.9 8.3 465,751.1 34.3 Massachusetts 6,998.3 0.5 18,395.4 1.2 37,172.3 2.4 370,607.8 24.0 Michigan 149,683.7 6.7 212,294.6 9.5 244,955.3 11.0 801,392.9 36.0 Minnesota 39,949.1 3.5 67,354.1 5.9 93,633.8 8.1 440,457.1 38.3 Mississippi 54,419.9 11.7 57,236.3 12.3 52,108.3 11.2 124,130.0 26.6 Missouri 81,824.0 7.5 112,822.9 10.4 120,151.5 11.0 368,540.1 33.9 Montana 14,443.8 6.9 20,932.5 10.1 24,030.8 11.5 76,887.8 36.9 Nebraska 47,656.5 11.2 60,500.4 14.2 56,343.2 13.2 130,214.2 30.6 Nevada 13,561.0 2.3 29,112.7 5.0 48,112.9 8.3 240,059.5 41.4 New Hampshire 7,893.6 2.3 16,217.9 4.7 24,167.7 7.0 128,887.5 37.4 New Jersey 11,123.9 0.6 27,684.4 1.6 45,292.1 2.6 406,880.8 23.6 New Mexico 35,195.8 8.7 46,711.4 11.5 48,979.3 12.1 140,806.9 34.7 New York 54,946.8 1.9 102,711.0 3.6 152,894.8 5.3 796,017.1 27.6 North Carolina 173,244.6 9.1 213,885.1 11.3 208,346.5 11.0 579,791.9 30.6 North Dakota 7,590.8 7.1 11,321.0 10.6 12,580.4 11.7 39,633.7 37.0 Ohio 221,354.0 7.9 318,783.8 11.4 345,349.1 12.3 1,036,325.0 37.0 Oklahoma 80,782.0 9.9 97,446.5 12.0 95,997.8 11.8 235,628.7 29.0 Oregon 30,506.3 3.5 56,991.5 6.6 80,903.5 9.3 344,897.5 39.7 Pennsylvania 116,959.2 3.8 233,167.3 7.5 326,622.1 10.6 1,227,984.2 39.7 Rhode Island 2,413.7 1.0 6,869.2 2.9 12,637.9 5.3 90,741.6 37.9 South Carolina 100,334.8 9.6 124,598.4 11.9 120,894.0 11.6 339,444.2 32.4 South Dakota 14,125.4 9.2 19,592.0 12.7 20,756.4 13.5 51,808.8 33.7 Tennessee 162,365.5 10.9 183,095.2 12.3 169,282.1 11.4 428,591.6 28.8 Texas 383,750.6 7.8 494,574.4 10.0 522,930.5 10.6 1,552,983.1 31.4 Utah 20,834.4 3.8 39,597.2 7.2 54,366.1 9.9 214,719.5 38.9 Vermont 4,905.8 2.8 8,820.3 5.0 12,556.4 7.2 63,972.9 36.5 Virginia 107,268.5 5.9 146,321.2 8.0 160,032.2 8.7 569,879.5 31.1 Washington 33,414.2 2.2 63,204.3 4.1 93,093.1 6.0 529,039.3 34.1 West Virginia 41,056.8 10.7 47,789.3 12.5 46,834.8 12.3 121,896.9 31.9 Wisconsin 56,091.9 4.6 91,114.9 7.5 118,428.8 9.8 471,596.4 39.0 Wyoming 8,624.9 7.4 11,987.7 10.3 13,734.3 11.8 43,361.8 37.3 Total 3,439,771.3 5.5 4,885,667.3 7.8 5,579,114.9 8.9 20,260,165.1 32.4

2018 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 122,312.3 10.9 49,506.1 4.4 51,923.3 4.6 1,122,465.4 100.0 Alaska 42,886.6 28.1 19,209.3 12.6 16,366.1 10.7 152,675.6 100.0 Arizona 237,887.6 16.1 99,100.3 6.7 111,052.9 7.5 1,475,601.1 100.0 Arkansas 43,001.4 8.8 17,451.8 3.6 18,809.3 3.8 489,131.1 100.0 California 1,679,678.7 26.6 1,101,908.8 17.5 1,609,517.7 25.5 6,308,442.8 100.0 Colorado 274,005.0 23.4 135,294.5 11.5 164,602.2 14.0 1,172,802.8 100.0 Connecticut 209,730.6 27.5 118,117.0 15.5 151,570.8 19.9 763,157.5 100.0 Delaware 58,795.7 24.3 27,570.5 11.4 24,882.3 10.3 242,052.8 100.0 Dist. of Columbia 16,917.0 20.8 11,602.8 14.3 26,005.5 32.0 81,393.8 100.0 Florida 503,140.3 15.7 185,606.3 5.8 212,035.5 6.6 3,196,971.4 100.0 Georgia 341,756.4 15.3 157,482.7 7.1 183,095.8 8.2 2,227,967.5 100.0 Hawaii 53,072.0 25.9 34,919.1 17.0 57,514.3 28.0 205,149.8 100.0 Idaho 54,700.3 15.9 20,291.6 5.9 21,963.1 6.4 344,911.1 100.0 Illinois 526,751.4 22.5 255,300.2 10.9 300,554.4 12.8 2,342,721.9 100.0 Indiana 185,815.5 12.8 67,830.7 4.7 71,744.9 4.9 1,452,539.8 100.0 Iowa 86,281.4 13.0 29,250.5 4.4 23,602.3 3.5 665,329.8 100.0 Kansas 73,955.0 12.5 28,588.0 4.8 31,967.7 5.4 589,781.5 100.0 Kentucky 105,659.1 11.5 40,428.7 4.4 43,617.2 4.7 919,651.3 100.0 Louisiana 87,313.5 11.5 32,234.3 4.2 36,602.8 4.8 758,965.3 100.0 Maine 75,674.7 19.4 30,982.8 7.9 31,823.0 8.1 390,870.7 100.0 Maryland 294,900.7 21.7 150,460.5 11.1 189,798.1 14.0 1,357,376.3 100.0 Massachusetts 426,961.0 27.7 280,633.8 18.2 395,998.0 25.7 1,542,387.4 100.0 Michigan 378,799.4 17.0 144,704.8 6.5 143,828.8 6.5 2,225,803.1 100.0 Minnesota 250,892.3 21.8 111,181.5 9.7 101,741.8 8.9 1,149,598.9 100.0 Mississippi 40,641.8 8.7 15,600.8 3.3 15,765.3 3.4 466,343.5 100.0 Missouri 172,285.0 15.8 66,738.7 6.1 67,816.4 6.2 1,088,108.0 100.0 Montana 33,208.0 15.9 12,775.3 6.1 14,456.4 6.9 208,228.3 100.0 Nebraska 49,759.9 11.7 16,708.3 3.9 13,531.5 3.2 425,954.6 100.0 Nevada 127,644.4 22.0 52,608.6 9.1 60,182.7 10.4 579,806.0 100.0 New Hampshire 85,148.7 24.7 36,986.9 10.7 39,443.8 11.4 344,677.2 100.0 New Jersey 489,172.8 28.3 311,322.7 18.0 425,204.9 24.6 1,726,801.2 100.0 New Mexico 55,804.4 13.7 22,573.7 5.6 26,763.7 6.6 406,340.3 100.0 New York 731,407.1 25.4 443,422.6 15.4 531,368.3 18.4 2,880,071.8 100.0 North Carolina 251,050.6 13.3 107,579.1 5.7 125,709.5 6.6 1,894,341.6 100.0 North Dakota 17,457.7 16.3 6,302.5 5.9 4,779.7 4.5 107,151.3 100.0 Ohio 415,099.1 14.8 143,595.8 5.1 142,244.5 5.1 2,803,020.9 100.0 Oklahoma 76,512.3 9.4 27,798.9 3.4 27,963.6 3.4 812,063.3 100.0 Oregon 184,929.2 21.3 78,029.2 9.0 77,226.3 8.9 869,499.8 100.0 Pennsylvania 587,793.8 19.0 240,029.6 7.8 252,282.7 8.2 3,090,955.0 100.0 Rhode Island 62,730.2 26.2 30,407.8 12.7 31,658.6 13.2 239,613.9 100.0 South Carolina 144,430.1 13.8 57,615.0 5.5 69,117.5 6.6 1,046,360.2 100.0 South Dakota 19,127.9 12.4 6,795.3 4.4 6,367.8 4.1 153,742.6 100.0 Tennessee 181,430.3 12.2 78,779.8 5.3 91,156.8 6.1 1,486,401.8 100.0 Texas 683,798.4 13.8 311,214.3 6.3 343,658.3 6.9 4,948,067.1 100.0 Utah 112,556.3 20.4 46,729.3 8.5 51,767.1 9.4 551,303.8 100.0 Vermont 39,357.9 22.4 17,599.3 10.0 21,352.3 12.2 175,484.5 100.0 Virginia 339,816.7 18.6 176,081.5 9.6 242,235.5 13.2 1,830,297.7 100.0 Washington 405,571.8 26.1 193,707.4 12.5 212,769.6 13.7 1,551,400.8 100.0 West Virginia 43,498.0 11.4 15,080.4 3.9 14,906.3 3.9 382,090.4 100.0 Wisconsin 243,449.3 20.1 89,659.5 7.4 83,610.8 6.9 1,209,155.4 100.0 Wyoming 17,504.9 15.0 6,475.4 5.6 8,163.6 7.0 116,395.3 100.0 Total 11,742,074.2 18.8 5,761,873.8 9.2 7,022,121.0 11.2 62,571,424.9 100.0

2018 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 63,981.3 30.7 23,082.3 11.1 55,474.3 26.6 19,754.1 9.5 Alaska 13,082.2 25.2 3,943.6 7.6 9,443.0 18.2 6,270.3 12.1 Arizona 135,466.8 27.3 54,163.3 10.9 100,087.4 20.2 58,755.0 11.9 Arkansas 19,743.9 20.3 10,143.8 10.4 33,022.9 34.0 10,279.7 10.6 California 613,635.1 18.5 482,338.5 14.6 656,538.6 19.8 427,682.7 12.9 Colorado 137,554.8 22.1 47,366.5 7.6 107,331.9 17.3 83,421.3 13.4 Connecticut 50,510.1 17.8 37,409.2 13.2 55,665.9 19.6 33,276.3 11.7 Delaware 12,027.1 16.0 10,353.2 13.8 20,977.5 28.0 9,088.0 12.1 Dist. of Columbia 30,234.9 20.8 20,258.0 13.9 32,754.1 22.5 15,858.1 10.9 Florida 423,055.0 27.7 183,595.2 12.0 383,312.1 25.1 148,784.8 9.7 Georgia 178,274.3 26.0 102,853.0 15.0 185,318.3 27.1 65,415.8 9.6 Hawaii 54,287.8 27.8 12,951.1 6.6 32,531.3 16.6 22,772.7 11.6 Idaho 19,597.9 24.3 7,062.5 8.8 16,406.9 20.4 10,289.1 12.8 Illinois 150,131.2 15.5 104,637.3 10.8 169,580.1 17.5 123,953.2 12.8 Indiana 73,723.3 21.4 56,559.7 16.4 68,133.9 19.8 42,598.8 12.4 Iowa 23,917.2 12.3 17,629.8 9.1 34,968.0 18.1 26,052.5 13.4 Kansas 31,466.1 18.0 22,360.2 12.8 50,579.6 28.9 20,197.2 11.6 Kentucky 45,024.1 17.8 62,387.6 24.7 48,053.2 19.0 29,862.0 11.8 Louisiana 48,300.6 33.1 15,778.4 10.8 40,236.3 27.6 11,734.3 8.0 Maine 7,977.8 10.4 7,506.7 9.7 18,234.8 23.7 11,518.4 15.0 Maryland 117,363.0 18.7 93,540.4 14.9 158,972.8 25.4 66,562.3 10.6 Massachusetts 91,833.5 15.0 89,792.3 14.7 137,932.9 22.6 71,544.9 11.7 Michigan 157,587.8 26.3 68,942.2 11.5 99,478.2 16.6 60,735.8 10.1 Minnesota 57,864.3 12.3 53,941.7 11.5 100,371.2 21.4 56,162.4 12.0 Mississippi 22,070.3 31.9 6,874.0 9.9 18,840.3 27.2 6,858.3 9.9 Missouri 63,717.3 18.0 37,809.9 10.7 107,249.1 30.3 41,146.4 11.6 Montana 11,864.1 18.6 3,339.5 5.2 11,336.9 17.8 7,661.1 12.0 Nebraska 21,094.1 15.9 13,486.9 10.2 35,860.3 27.0 19,211.1 14.5 Nevada 85,148.1 30.8 47,654.1 17.2 52,982.6 19.1 30,526.0 11.0 New Hampshire 14,955.0 13.3 12,420.6 11.0 22,653.8 20.1 14,546.0 12.9 New Jersey 126,819.2 17.5 89,359.6 12.3 130,923.5 18.1 79,940.1 11.0 New Mexico 19,192.6 23.8 10,556.8 13.1 14,378.8 17.9 10,786.7 13.4 New York 132,376.5 8.5 153,668.9 9.9 317,568.5 20.4 213,562.4 13.7 North Carolina 66,006.3 12.3 50,957.6 9.5 230,804.2 43.0 69,402.1 12.9 North Dakota 8,515.1 15.4 3,869.4 7.0 12,220.8 22.1 8,403.0 15.2 Ohio 103,348.5 13.6 160,537.0 21.2 140,766.4 18.6 92,319.5 12.2 Oklahoma 36,436.2 23.3 16,073.2 10.3 46,347.7 29.6 16,203.6 10.4 Oregon 69,603.5 19.3 47,475.3 13.2 80,478.8 22.4 48,789.1 13.6 Pennsylvania 102,947.8 11.9 148,117.4 17.1 207,750.8 24.0 100,992.6 11.7 Rhode Island 10,521.1 17.1 11,272.8 18.4 13,287.8 21.7 7,162.0 11.7 South Carolina 67,915.5 24.4 29,975.1 10.8 78,348.7 28.2 30,782.8 11.1 South Dakota 6,390.5 12.4 5,688.2 11.0 13,313.6 25.9 8,272.9 16.1 Tennessee 82,466.4 21.7 85,925.9 22.6 69,117.2 18.2 39,190.5 10.3 Texas 492,063.1 28.7 212,481.9 12.4 461,899.3 26.9 178,853.9 10.4 Utah 32,586.9 15.8 36,645.9 17.7 37,122.2 18.0 26,607.7 12.9 Vermont 4,858.9 10.6 4,388.3 9.5 8,746.4 19.0 5,669.9 12.3 Virginia 173,382.1 22.1 98,533.3 12.6 155,231.3 19.8 89,625.5 11.4 Washington 146,381.5 20.7 74,966.3 10.6 137,375.3 19.4 105,341.3 14.9 West Virginia 8,676.8 17.1 8,860.7 17.4 14,472.4 28.5 5,566.2 11.0 Wisconsin 40,374.8 11.8 31,813.9 9.3 55,678.7 16.2 46,506.5 13.5 Wyoming 4,639.2 17.8 1,439.9 5.5 3,813.3 14.6 2,522.0 9.7 Total 4,510,991.0 19.6 2,992,788.8 13.0 5,093,973.6 22.1 2,739,018.7 11.9

2018 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 6,447.8 3.1 6,052.3 2.9 2,092.2 1.0 17,542.8 8.4 Alaska 2,589.8 5.0 2,244.8 4.3 1,165.3 2.2 7,159.7 13.8 Arizona 22,361.9 4.5 19,008.8 3.8 9,430.8 1.9 55,806.8 11.3 Arkansas 3,752.3 3.9 3,368.6 3.5 1,106.6 1.1 8,915.0 9.2 California 152,962.4 4.6 139,650.8 4.2 68,022.8 2.1 407,227.5 12.3 Colorado 30,040.8 4.8 27,110.8 4.4 13,258.8 2.1 91,532.9 14.7 Connecticut 14,285.7 5.0 11,488.7 4.0 6,662.5 2.3 38,818.0 13.6 Delaware 3,354.7 4.5 2,428.4 3.2 1,330.3 1.8 8,559.5 11.4 Dist. of Columbia 6,839.3 4.7 5,414.3 3.7 2,876.8 2.0 15,295.3 10.5 Florida 49,331.0 3.2 52,735.2 3.4 19,495.8 1.3 149,700.8 9.8 Georgia 21,084.9 3.1 18,228.1 2.7 7,441.4 1.1 55,051.0 8.0 Hawaii 25,914.3 13.3 7,954.6 4.1 3,197.2 1.6 23,004.2 11.8 Idaho 4,198.5 5.2 3,178.8 3.9 1,375.8 1.7 10,154.0 12.6 Illinois 56,647.7 5.8 49,153.7 5.1 26,254.8 2.7 153,267.5 15.8 Indiana 16,852.0 4.9 12,112.5 3.5 5,607.7 1.6 36,746.7 10.7 Iowa 12,703.5 6.6 11,836.3 6.1 5,288.2 2.7 31,015.2 16.0 Kansas 7,879.9 4.5 6,759.1 3.9 2,972.8 1.7 18,071.3 10.3 Kentucky 9,883.7 3.9 7,641.4 3.0 3,489.8 1.4 24,665.7 9.8 Louisiana 4,978.3 3.4 3,966.1 2.7 1,788.8 1.2 11,009.4 7.5 Maine 5,178.7 6.7 3,910.3 5.1 1,676.5 2.2 11,418.8 14.8 Maryland 26,291.9 4.2 20,975.5 3.3 11,404.5 1.8 68,933.1 11.0 Massachusetts 34,148.6 5.6 27,823.8 4.6 13,441.7 2.2 75,719.8 12.4 Michigan 24,690.8 4.1 20,478.1 3.4 9,387.8 1.6 75,474.4 12.6 Minnesota 25,463.3 5.4 22,085.5 4.7 9,912.3 2.1 69,602.3 14.8 Mississippi 2,319.7 3.4 1,933.8 2.8 690.2 1.0 5,291.2 7.6 Missouri 16,289.3 4.6 13,279.0 3.7 5,659.2 1.6 37,454.9 10.6 Montana 3,681.2 5.8 3,286.3 5.1 1,719.8 2.7 11,452.3 17.9 Nebraska 7,325.5 5.5 6,240.8 4.7 2,866.3 2.2 14,764.7 11.1 Nevada 10,325.3 3.7 7,929.3 2.9 3,637.3 1.3 22,974.5 8.3 New Hampshire 6,823.2 6.1 5,975.6 5.3 2,943.3 2.6 18,047.5 16.0 New Jersey 36,363.6 5.0 30,066.8 4.1 16,924.1 2.3 108,709.3 15.0 New Mexico 4,012.9 5.0 3,368.7 4.2 1,662.3 2.1 9,512.0 11.8 New York 84,298.5 5.4 83,759.3 5.4 50,238.4 3.2 274,969.8 17.6 North Carolina 21,064.5 3.9 17,056.5 3.2 6,142.4 1.1 45,066.8 8.4 North Dakota 3,581.8 6.5 2,841.2 5.1 1,309.9 2.4 8,099.6 14.7 Ohio 39,880.8 5.3 27,908.4 3.7 14,351.1 1.9 92,549.8 12.2 Oklahoma 6,199.8 4.0 5,437.9 3.5 2,091.8 1.3 15,330.2 9.8 Oregon 19,070.6 5.3 14,456.8 4.0 6,824.3 1.9 40,045.3 11.1 Pennsylvania 51,239.8 5.9 35,110.3 4.1 18,461.5 2.1 105,838.4 12.2 Rhode Island 2,860.1 4.7 2,423.0 3.9 1,182.5 1.9 7,419.3 12.1 South Carolina 10,063.5 3.6 8,301.3 3.0 3,624.1 1.3 27,631.8 9.9 South Dakota 2,865.0 5.6 2,675.8 5.2 988.0 1.9 6,618.2 12.9 Tennessee 13,677.2 3.6 10,868.1 2.9 4,438.8 1.2 38,172.2 10.1 Texas 67,215.8 3.9 47,780.8 2.8 17,739.2 1.0 120,889.2 7.0 Utah 10,856.8 5.3 8,855.8 4.3 4,298.6 2.1 27,263.1 13.2 Vermont 2,877.3 6.3 2,450.3 5.3 1,209.3 2.6 7,721.0 16.8 Virginia 35,161.2 4.5 29,083.2 3.7 15,377.4 2.0 100,730.3 12.9 Washington 40,852.8 5.8 29,789.8 4.2 14,917.2 2.1 86,882.7 12.3 West Virginia 2,293.9 4.5 1,781.3 3.5 819.6 1.6 5,042.4 9.9 Wisconsin 28,191.3 8.2 20,193.4 5.9 10,142.3 3.0 55,435.6 16.1 Wyoming 1,190.3 4.6 1,234.9 4.7 661.0 2.5 5,551.8 21.3 Total 1,098,463.1 4.8 909,694.3 4.0 439,600.6 1.9 2,764,154.9 12.0

2018 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 4,829.2 2.3 8,952.9 4.3 208,209.0 100.0 Alaska 2,057.9 4.0 3,972.6 7.7 51,929.2 100.0 Arizona 15,375.7 3.1 24,939.9 5.0 495,396.5 100.0 Arkansas 2,359.8 2.4 4,534.3 4.7 97,226.9 100.0 California 134,683.5 4.1 231,032.3 7.0 3,313,774.1 100.0 Colorado 29,457.8 4.7 54,488.9 8.8 621,564.3 100.0 Connecticut 13,185.8 4.6 23,152.8 8.1 284,455.0 100.0 Delaware 2,462.5 3.3 4,355.3 5.8 74,936.4 100.0 Dist. of Columbia 4,347.0 3.0 11,582.3 8.0 145,460.0 100.0 Florida 40,846.3 2.7 79,027.9 5.2 1,529,884.0 100.0 Georgia 14,860.8 2.2 36,450.1 5.3 684,977.7 100.0 Hawaii 4,980.4 2.5 7,949.7 4.1 195,543.1 100.0 Idaho 2,764.8 3.4 5,595.0 6.9 80,623.3 100.0 Illinois 48,161.6 5.0 89,309.0 9.2 971,096.0 100.0 Indiana 11,321.2 3.3 20,674.9 6.0 344,330.7 100.0 Iowa 10,824.1 5.6 19,493.3 10.1 193,727.9 100.0 Kansas 4,830.5 2.8 9,642.7 5.5 174,759.3 100.0 Kentucky 7,783.7 3.1 14,096.9 5.6 252,887.9 100.0 Louisiana 2,672.8 1.8 5,447.8 3.7 145,912.7 100.0 Maine 3,508.4 4.6 6,094.5 7.9 77,024.8 100.0 Maryland 19,917.2 3.2 42,512.3 6.8 626,473.0 100.0 Massachusetts 23,148.6 3.8 45,857.8 7.5 611,243.8 100.0 Michigan 27,477.5 4.6 55,565.8 9.3 599,818.3 100.0 Minnesota 24,323.0 5.2 50,209.3 10.7 469,935.1 100.0 Mississippi 1,404.4 2.0 2,895.2 4.2 69,177.2 100.0 Missouri 10,833.9 3.1 21,019.8 5.9 354,458.9 100.0 Montana 3,380.1 5.3 6,098.3 9.6 63,819.4 100.0 Nebraska 4,004.0 3.0 7,827.9 5.9 132,681.5 100.0 Nevada 5,696.6 2.1 9,980.6 3.6 276,854.2 100.0 New Hampshire 5,976.0 5.3 8,391.5 7.4 112,732.4 100.0 New Jersey 36,561.2 5.0 69,005.5 9.5 724,672.8 100.0 New Mexico 2,432.7 3.0 4,614.1 5.7 80,517.6 100.0 New York 70,571.3 4.5 177,674.4 11.4 1,558,688.0 100.0 North Carolina 11,695.3 2.2 18,812.4 3.5 537,008.2 100.0 North Dakota 2,540.1 4.6 3,806.5 6.9 55,187.3 100.0 Ohio 32,278.4 4.3 54,381.3 7.2 758,321.1 100.0 Oklahoma 3,987.4 2.5 8,302.8 5.3 156,410.4 100.0 Oregon 10,555.6 2.9 22,561.2 6.3 359,860.4 100.0 Pennsylvania 32,277.5 3.7 63,152.6 7.3 865,888.7 100.0 Rhode Island 2,019.9 3.3 3,200.9 5.2 61,349.3 100.0 South Carolina 7,382.5 2.7 13,893.6 5.0 277,918.8 100.0 South Dakota 1,824.7 3.5 2,850.7 5.5 51,487.4 100.0 Tennessee 11,964.5 3.2 23,653.3 6.2 379,473.9 100.0 Texas 36,576.2 2.1 79,408.4 4.6 1,714,907.6 100.0 Utah 8,066.9 3.9 14,218.4 6.9 206,522.3 100.0 Vermont 2,684.3 5.8 5,361.6 11.7 45,967.3 100.0 Virginia 29,179.6 3.7 57,218.7 7.3 783,522.5 100.0 Washington 23,405.3 3.3 46,458.5 6.6 706,370.6 100.0 West Virginia 1,245.2 2.4 2,071.2 4.1 50,829.7 100.0 Wisconsin 19,394.9 5.6 35,793.1 10.4 343,524.6 100.0 Wyoming 2,031.5 7.8 2,985.0 11.5 26,068.8 100.0 Total 836,149.7 3.6 1,620,575.3 7.0 23,005,409.8 100.0

2018 Average Premium by Policy Form by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

2018 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 229,141.3 52.2 18,752.4 4.3 32,881.5 7.5 76,984.8 17.5 Under Premium 72,975,053 37.4 10,850,569 5.6 21,425,433 11.0 49,672,352 25.5 Average $318 $579 $652 $645

$50,000 to Exposure 169,125.2 32.1 30,839.4 5.8 64,562.3 12.2 179,833.4 34.1 $74,999 Premium 82,384,091 22.5 26,424,278 7.2 56,519,307 15.4 134,456,265 36.7 Average $487 $857 $875 $748

$75,000 to Exposure 121,055.5 13.4 38,665.3 4.3 113,809.6 12.6 545,376.4 60.5 $99,999 Premium 73,738,807 9.8 42,016,510 5.6 111,864,926 14.9 450,465,417 59.8 Average $609 $1,087 $983 $826

$100,000 to Exposure 113,205.7 5.6 58,588.2 2.9 185,480.8 9.2 1,512,033.6 75.1 $124,999 Premium 80,300,530 4.4 73,455,445 4.0 192,950,933 10.6 1,342,751,221 73.5 Average $709 $1,254 $1,040 $888

$125,000 to Exposure 95,160.5 2.8 80,182.7 2.3 248,277.5 7.2 2,739,973.4 79.7 $149,999 Premium 68,708,686 2.1 108,251,145 3.3 261,295,297 8.0 2,566,149,323 78.4 Average $722 $1,350 $1,052 $937

$150,000 to Exposure 105,336.7 2.2 104,841.8 2.1 316,740.4 6.5 3,896,582.2 79.8 $174,999 Premium 79,193,293 1.6 148,140,142 3.1 324,745,739 6.7 3,822,624,078 79.4 Average $752 $1,413 $1,025 $981

$175,000 to Exposure 93,428.6 1.7 113,741.0 2.0 348,225.2 6.2 4,416,009.3 79.2 $199,999 Premium 68,716,909 1.2 170,251,854 3.0 350,079,197 6.2 4,494,744,043 79.3 Average $736 $1,497 $1,005 $1,018

$200,000 to Exposure 293,213.0 1.4 296,509.3 1.5 1,193,270.1 5.9 15,911,759.0 78.5 $299,999 Premium 217,877,959 1.0 494,210,693 2.2 1,217,913,101 5.5 17,722,021,984 79.5 Average $743 $1,667 $1,021 $1,114

$300,000 to Exposure 138,610.3 1.2 110,718.8 0.9 614,123.4 5.2 9,257,949.3 78.8 $399,999 Premium 114,623,933 0.8 215,836,921 1.5 699,565,440 4.8 11,776,182,898 80.0 Average $827 $1,949 $1,139 $1,272

$400,000 to Exposure 60,479.2 1.0 54,951.0 1.0 281,570.6 4.9 4,542,349.3 78.8 $499,999 Premium 57,782,734 0.7 122,856,603 1.5 383,462,114 4.5 6,730,994,588 79.8 Average $955 $2,236 $1,362 $1,482

$500,000 and Exposure 68,511.0 1.0 52,835.5 0.8 298,939.4 4.3 5,233,993.3 74.5 Over Premium 88,432,805 0.6 156,814,544 1.0 561,499,745 3.5 11,242,227,034 70.5 Average $1,291 $2,968 $1,878 $2,148

Total Exposure 1,487,266.8 2.4 960,625.3 1.5 3,697,880.8 5.9 48,312,844.0 77.2 Premium 1,004,734,799 1.3 1,569,108,704 2.0 4,181,321,231 5.3 60,332,289,204 77.1 Average $676 $1,633 $1,131 $1,249

2018 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 30,357.3 6.9 50,922.9 11.6 439,040.3 100.0 Under Premium 22,520,871 11.5 17,671,582 9.1 195,115,860 100.0 Average $742 $347 $444

$50,000 to Exposure 29,251.8 5.5 53,978.7 10.2 527,590.8 100.0 $74,999 Premium 29,001,001 7.9 37,414,578 10.2 366,199,520 100.0 Average $991 $693 $694

$75,000 to Exposure 38,303.5 4.3 43,651.2 4.8 900,861.4 100.0 $99,999 Premium 37,069,469 4.9 37,817,770 5.0 752,972,899 100.0 Average $968 $866 $836

$100,000 to Exposure 107,247.0 5.3 36,589.6 1.8 2,013,144.8 100.0 $124,999 Premium 101,771,097 5.6 36,736,357 2.0 1,827,965,583 100.0 Average $949 $1,004 $908

$125,000 to Exposure 248,955.8 7.2 27,221.5 0.8 3,439,771.3 100.0 $149,999 Premium 233,400,645 7.1 33,564,309 1.0 3,271,369,405 100.0 Average $938 $1,233 $951

$150,000 to Exposure 439,133.7 9.0 23,032.7 0.5 4,885,667.3 100.0 $174,999 Premium 409,133,144 8.5 32,105,879 0.7 4,815,942,275 100.0 Average $932 $1,394 $986

$175,000 to Exposure 592,907.5 10.6 14,803.4 0.3 5,579,114.9 100.0 $199,999 Premium 563,377,493 9.9 24,010,021 0.4 5,671,179,517 100.0 Average $950 $1,622 $1,017

$200,000 to Exposure 2,540,516.3 12.5 24,897.4 0.1 20,260,165.1 100.0 $299,999 Premium 2,590,684,751 11.6 46,086,913 0.2 22,288,795,400 100.0 Average $1,020 $1,851 $1,100

$300,000 to Exposure 1,615,268.7 13.8 5,403.7 0.0 11,742,074.2 100.0 $399,999 Premium 1,902,138,920 12.9 11,796,205 0.1 14,720,144,317 100.0 Average $1,178 $2,183 $1,254

$400,000 to Exposure 820,650.7 14.2 1,873.1 0.0 5,761,873.8 100.0 $499,999 Premium 1,139,219,214 13.5 3,981,326 0.0 8,438,296,578 100.0 Average $1,388 $2,126 $1,465

$500,000 and Exposure 1,365,773.1 19.4 2,068.7 0.0 7,022,121.0 100.0 Over Premium 3,898,133,585 24.4 4,181,847 0.0 15,951,289,560 100.0 Average $2,854 $2,022 $2,272

Total Exposure 7,828,365.3 12.5 284,442.8 0.5 62,571,424.9 100.0 Premium 10,926,450,190 14.0 285,366,787 0.4 78,299,270,915 100.0 Average $1,396 $1,003 $1,251

2018 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 18,048.1 85.6 12.0 0.1 13.3 0.1 1,378.3 6.5 Under Premium 4,605,264 76.3 9,055 0.2 9,726 0.2 839,067 13.9 Average $255 $755 $729 $609

$50,000 to Exposure 15,259.4 53.0 133.8 0.5 170.7 0.6 10,688.8 37.1 $74,999 Premium 5,322,253 35.1 99,983 0.7 123,509 0.8 7,834,717 51.6 Average $349 $748 $724 $733

$75,000 to Exposure 7,864.5 17.4 79.0 0.2 553.1 1.2 33,138.4 73.3 $99,999 Premium 3,855,857 10.2 64,424 0.2 447,234 1.2 30,516,218 80.4 Average $490 $815 $809 $921

$100,000 to Exposure 4,767.3 5.5 93.7 0.1 3,867.5 4.4 72,956.0 83.5 $124,999 Premium 3,043,404 3.4 77,726 0.1 3,553,897 4.0 76,342,289 85.8 Average $638 $830 $919 $1,046

$125,000 to Exposure 3,230.9 2.7 54.9 0.0 8,859.4 7.3 102,423.9 84.2 $149,999 Premium 2,034,483 1.5 46,777 0.0 8,817,470 6.5 116,398,975 85.5 Average $630 $852 $995 $1,136

$150,000 to Exposure 2,829.6 2.1 72.3 0.1 11,960.2 8.7 113,872.6 82.8 $174,999 Premium 2,212,428 1.3 55,218 0.0 12,493,078 7.6 137,636,317 84.0 Average $782 $763 $1,045 $1,209

$175,000 to Exposure 2,183.7 1.7 35.0 0.0 12,592.7 9.7 105,269.5 81.2 $199,999 Premium 1,810,143 1.1 29,859 0.0 13,846,936 8.4 135,364,075 82.4 Average $829 $853 $1,100 $1,286

$200,000 to Exposure 4,953.0 1.5 63.3 0.0 33,142.5 10.1 257,796.6 78.7 $299,999 Premium 5,153,684 1.1 55,850 0.0 40,081,891 8.6 372,182,580 80.1 Average $1,041 $882 $1,209 $1,444

$300,000 to Exposure 1,315.2 1.1 15.0 0.0 10,385.6 8.5 95,289.2 77.9 $399,999 Premium 1,885,405 0.9 17,039 0.0 15,023,788 7.3 162,749,190 78.7 Average $1,434 $1,136 $1,447 $1,708

$400,000 to Exposure 395.2 0.8 8.0 0.0 4,260.9 8.6 37,999.7 76.8 $499,999 Premium 718,794 0.7 15,456 0.0 7,396,176 7.5 76,014,173 77.3 Average $1,819 $1,932 $1,736 $2,000

$500,000 and Exposure 301.0 0.6 1.5 0.0 4,226.9 8.1 37,192.1 71.6 Over Premium 719,557 0.5 2,585 0.0 10,921,394 7.0 107,286,830 69.0 Average $2,391 $1,723 $2,584 $2,885

Total Exposure 61,147.8 5.4 568.5 0.1 90,032.8 8.0 868,005.0 77.3 Premium 31,361,272 2.0 473,972 0.0 112,715,099 7.3 1,223,164,431 79.5 Average $513 $834 $1,252 $1,409

2018 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 102.6 0.5 1,536.9 7.3 21,091.2 100.0 Under Premium 26,845 0.4 543,567 9.0 6,033,524 100.0 Average $262 $354 $286

$50,000 to Exposure 79.8 0.3 2,451.1 8.5 28,783.6 100.0 $74,999 Premium 94,366 0.6 1,699,629 11.2 15,174,457 100.0 Average $1,182 $693 $527

$75,000 to Exposure 431.6 1.0 3,166.2 7.0 45,232.8 100.0 $99,999 Premium 506,429 1.3 2,583,533 6.8 37,973,695 100.0 Average $1,173 $816 $840

$100,000 to Exposure 2,237.4 2.6 3,408.8 3.9 87,330.7 100.0 $124,999 Premium 2,750,904 3.1 3,242,345 3.6 89,010,565 100.0 Average $1,230 $951 $1,019

$125,000 to Exposure 4,736.5 3.9 2,333.2 1.9 121,638.8 100.0 $149,999 Premium 6,125,802 4.5 2,667,632 2.0 136,091,139 100.0 Average $1,293 $1,143 $1,119

$150,000 to Exposure 6,989.9 5.1 1,840.6 1.3 137,565.2 100.0 $174,999 Premium 9,270,590 5.7 2,248,968 1.4 163,916,599 100.0 Average $1,326 $1,222 $1,192

$175,000 to Exposure 8,712.0 6.7 872.2 0.7 129,665.0 100.0 $199,999 Premium 12,180,757 7.4 1,089,518 0.7 164,321,288 100.0 Average $1,398 $1,249 $1,267

$200,000 to Exposure 30,377.9 9.3 1,083.2 0.3 327,416.5 100.0 $299,999 Premium 45,836,884 9.9 1,502,630 0.3 464,813,519 100.0 Average $1,509 $1,387 $1,420

$300,000 to Exposure 15,114.3 12.4 193.2 0.2 122,312.3 100.0 $399,999 Premium 26,748,386 12.9 297,172 0.1 206,720,980 100.0 Average $1,770 $1,538 $1,690

$400,000 to Exposure 6,801.1 13.7 41.3 0.1 49,506.1 100.0 $499,999 Premium 14,127,072 14.4 63,563 0.1 98,335,234 100.0 Average $2,077 $1,541 $1,986

$500,000 and Exposure 10,169.3 19.6 32.6 0.1 51,923.3 100.0 Over Premium 36,374,185 23.4 72,570 0.0 155,377,121 100.0 Average $3,577 $2,227 $2,992

Total Exposure 85,752.3 7.6 16,959.1 1.5 1,122,465.4 100.0 Premium 154,042,220 10.0 16,011,127 1.0 1,537,768,121 100.0 Average $1,796 $944 $1,370

2018 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 450.6 71.3 4.0 0.6 168.3 26.6 Under Premium 29,843 35.6 * 2,274 2.7 50,541 60.3 Average $66 $569 $300

$50,000 to Exposure 130.7 32.4 0.7 0.2 269.6 66.9 $74,999 Premium 35,778 20.5 * 545 0.3 136,660 78.3 Average $274 $818 $507

$75,000 to Exposure 99.7 12.9 1.0 0.1 669.8 87.0 $99,999 Premium 32,912 7.8 * 637 0.2 385,957 92.0 Average $330 $637 $576

$100,000 to Exposure 149.7 8.8 0.8 0.0 1.0 0.1 1,540.9 90.7 $124,999 Premium 43,935 4.3 308 0.0 246 0.0 970,181 95.3 Average $294 $370 $246 $630

$125,000 to Exposure 141.9 4.2 1.0 0.0 3,219.0 95.6 $149,999 Premium 46,432 2.2 * 314 0.0 2,074,380 97.6 Average $327 $314 $644

$150,000 to Exposure 216.1 3.7 1.0 0.0 5.8 0.1 5,519.6 95.8 $174,999 Premium 82,727 2.2 263 0.0 3,217 0.1 3,732,702 97.3 Average $383 $263 $559 $676

$175,000 to Exposure 185.7 2.1 2.0 0.0 7.0 0.1 8,462.6 97.5 $199,999 Premium 68,318 1.1 1,431 0.0 3,818 0.1 6,058,978 98.5 Average $368 $716 $545 $716

$200,000 to Exposure 772.4 1.5 6.0 0.0 35.2 0.1 51,792.8 97.9 $299,999 Premium 392,566 0.9 3,691 0.0 30,372 0.1 42,640,287 98.5 Average $508 $615 $864 $823

$300,000 to Exposure 527.6 1.2 6.0 0.0 18.3 0.0 42,039.9 98.0 $399,999 Premium 323,132 0.8 3,778 0.0 23,439 0.1 41,480,732 98.5 Average $612 $630 $1,284 $987

$400,000 to Exposure 220.3 1.1 2.0 0.0 8.2 0.0 18,831.3 98.0 $499,999 Premium 154,223 0.7 2,291 0.0 10,552 0.0 22,461,696 98.6 Average $700 $1,146 $1,292 $1,193

$500,000 and Exposure 218.4 1.3 2.0 0.0 5.0 0.0 15,939.2 97.4 Over Premium 184,053 0.7 2,556 0.0 7,359 0.0 26,108,592 97.5 Average $843 $1,278 $1,472 $1,638

Total Exposure 3,113.0 2.0 19.7 0.0 87.0 0.1 148,453.0 97.2 Premium 1,393,919 0.9 14,280 0.0 82,773 0.1 146,100,706 98.2 Average $448 $726 $951 $984

2018 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 7.4 1.2 1.3 0.2 631.7 100.0 Under Premium 640 0.8 565 0.7 83,863 100.0 Average $86 $424 $133

$50,000 to Exposure 2.0 0.5 402.9 100.0 $74,999 Premium * 1,473 0.8 174,460 100.0 Average $737 $433

$75,000 to Exposure 770.3 100.0 $99,999 Premium * * 419,468 100.0 Average $545

$100,000 to Exposure 2.7 0.2 3.0 0.2 1,698.1 100.0 $124,999 Premium 962 0.1 2,670 0.3 1,018,302 100.0 Average $361 $890 $600

$125,000 to Exposure 7.0 0.2 3,368.9 100.0 $149,999 Premium 3,496 0.2 * 2,124,622 100.0 Average $499 $631

$150,000 to Exposure 18.9 0.3 1.4 0.0 5,762.8 100.0 $174,999 Premium 14,972 0.4 2,019 0.1 3,835,900 100.0 Average $791 $1,425 $666

$175,000 to Exposure 24.6 0.3 8,681.8 100.0 $199,999 Premium 16,990 0.3 * 6,149,535 100.0 Average $691 $708

$200,000 to Exposure 287.8 0.5 3.0 0.0 52,897.2 100.0 $299,999 Premium 219,392 0.5 5,465 0.0 43,291,773 100.0 Average $762 $1,822 $818

$300,000 to Exposure 293.8 0.7 1.0 0.0 42,886.6 100.0 $399,999 Premium 283,427 0.7 3,417 0.0 42,117,925 100.0 Average $965 $3,417 $982

$400,000 to Exposure 147.5 0.8 19,209.3 100.0 $499,999 Premium 161,933 0.7 * 22,790,695 100.0 Average $1,098 $1,186

$500,000 and Exposure 201.5 1.2 16,366.1 100.0 Over Premium 471,392 1.8 * 26,773,952 100.0 Average $2,339 $1,636

Total Exposure 991.2 0.6 11.8 0.0 152,675.6 100.0 Premium 1,173,208 0.8 15,609 0.0 148,780,495 100.0 Average $1,184 $1,328 $974

2018 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 778.1 17.2 66.7 1.5 341.8 7.6 1,473.5 32.7 Under Premium 226,559 17.1 18,837 1.4 129,927 9.8 602,861 45.4 Average $291 $283 $380 $409

$50,000 to Exposure 588.8 11.6 114.3 2.2 291.4 5.7 3,053.9 59.9 $74,999 Premium 238,290 10.2 43,184 1.8 147,705 6.3 1,496,473 64.1 Average $405 $378 $507 $490

$75,000 to Exposure 901.4 6.9 105.3 0.8 829.3 6.3 9,645.0 73.5 $99,999 Premium 408,648 5.8 48,500 0.7 438,486 6.2 5,289,677 75.2 Average $453 $461 $529 $548

$100,000 to Exposure 1,505.6 3.7 125.8 0.3 3,412.8 8.4 31,271.1 77.2 $124,999 Premium 832,708 3.5 66,275 0.3 1,951,139 8.1 18,637,206 77.5 Average $553 $527 $572 $596

$125,000 to Exposure 1,419.1 1.6 98.9 0.1 7,587.2 8.8 68,174.5 78.7 $149,999 Premium 735,590 1.3 48,746 0.1 4,642,582 8.4 43,563,091 79.1 Average $518 $493 $612 $639

$150,000 to Exposure 1,742.4 1.2 71.5 0.0 12,259.3 8.6 111,394.1 77.8 $174,999 Premium 911,886 0.9 24,008 0.0 8,026,039 8.3 75,189,714 78.0 Average $523 $336 $655 $675

$175,000 to Exposure 1,669.9 1.0 62.7 0.0 14,179.7 8.3 130,830.2 76.3 $199,999 Premium 824,304 0.7 26,613 0.0 9,772,059 8.1 91,766,845 76.5 Average $494 $425 $689 $701

$200,000 to Exposure 4,084.8 0.7 87.5 0.0 35,727.0 6.3 427,641.2 76.0 $299,999 Premium 2,118,473 0.5 33,855 0.0 27,416,857 6.3 332,768,360 76.2 Average $519 $387 $767 $778

$300,000 to Exposure 1,236.5 0.5 24.3 0.0 12,446.3 5.2 178,400.2 75.0 $399,999 Premium 891,522 0.4 14,940 0.0 11,217,503 5.1 164,269,802 74.8 Average $721 $616 $901 $921

$400,000 to Exposure 459.8 0.5 14.0 0.0 5,617.4 5.7 73,362.9 74.0 $499,999 Premium 410,092 0.4 6,559 0.0 5,935,433 5.5 79,929,103 73.5 Average $892 $469 $1,057 $1,090

$500,000 and Exposure 387.4 0.3 6,090.6 5.5 74,829.6 67.4 Over Premium 550,192 0.3 * 9,081,835 4.7 122,348,886 63.1 Average $1,420 $1,491 $1,635

Total Exposure 14,773.8 1.0 770.8 0.1 98,782.5 6.7 1,110,076.1 75.2 Premium 8,148,264 0.6 331,514 0.0 78,759,565 6.2 935,862,018 74.0 Average $552 $430 $797 $843

2018 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 34.1 0.8 1,818.3 40.3 4,512.4 100.0 Under Premium 5,296 0.4 344,698 26.0 1,328,178 100.0 Average $155 $190 $294

$50,000 to Exposure 42.5 0.8 1,004.4 19.7 5,095.3 100.0 $74,999 Premium 15,868 0.7 393,137 16.8 2,334,657 100.0 Average $373 $391 $458

$75,000 to Exposure 561.7 4.3 1,085.2 8.3 13,127.8 100.0 $99,999 Premium 278,625 4.0 568,068 8.1 7,032,004 100.0 Average $496 $523 $536

$100,000 to Exposure 3,265.5 8.1 947.1 2.3 40,527.8 100.0 $124,999 Premium 1,957,203 8.1 598,242 2.5 24,042,773 100.0 Average $599 $632 $593

$125,000 to Exposure 8,615.7 10.0 687.9 0.8 86,583.3 100.0 $149,999 Premium 5,561,223 10.1 495,634 0.9 55,046,866 100.0 Average $645 $720 $636

$150,000 to Exposure 17,183.9 12.0 533.3 0.4 143,184.4 100.0 $174,999 Premium 11,794,094 12.2 429,197 0.4 96,374,938 100.0 Average $686 $805 $673

$175,000 to Exposure 24,451.5 14.3 314.6 0.2 171,508.5 100.0 $199,999 Premium 17,284,060 14.4 256,251 0.2 119,930,132 100.0 Average $707 $815 $699

$200,000 to Exposure 94,753.5 16.8 726.9 0.1 563,020.9 100.0 $299,999 Premium 73,961,010 16.9 465,178 0.1 436,763,733 100.0 Average $781 $640 $776

$300,000 to Exposure 45,594.9 19.2 185.5 0.1 237,887.6 100.0 $399,999 Premium 42,981,497 19.6 124,190 0.1 219,499,454 100.0 Average $943 $669 $923

$400,000 to Exposure 19,534.2 19.7 112.0 0.1 99,100.3 100.0 $499,999 Premium 22,367,164 20.6 59,181 0.1 108,707,532 100.0 Average $1,145 $528 $1,097

$500,000 and Exposure 29,689.0 26.7 56.3 0.1 111,052.9 100.0 Over Premium 61,735,408 31.9 37,370 0.0 193,753,688 100.0 Average $2,079 $663 $1,745

Total Exposure 243,726.4 16.5 7,471.5 0.5 1,475,601.1 100.0 Premium 237,941,448 18.8 3,771,146 0.3 1,264,813,955 100.0 Average $976 $505 $857

2018 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 5,928.1 64.7 80.8 0.9 1,351.5 14.8 Under Premium 1,405,179 43.8 * 56,826 1.8 1,001,862 31.2 Average $237 $703 $741

$50,000 to Exposure 3,332.3 24.9 356.9 2.7 6,023.7 45.0 $74,999 Premium 1,231,761 12.9 * 292,361 3.1 5,073,951 53.2 Average $370 $819 $842

$75,000 to Exposure 1,693.1 6.4 765.2 2.9 20,006.3 75.0 $99,999 Premium 800,762 3.3 * 699,957 2.9 18,713,154 77.3 Average $473 $915 $935

$100,000 to Exposure 952.7 2.1 2,376.7 5.1 38,772.7 83.9 $124,999 Premium 676,901 1.4 * 2,416,873 5.0 41,027,861 84.1 Average $711 $1,017 $1,058

$125,000 to Exposure 544.0 0.9 4,473.9 7.4 50,694.3 84.1 $149,999 Premium 469,769 0.7 * 4,700,840 6.7 59,033,560 84.3 Average $864 $1,051 $1,165

$150,000 to Exposure 409.3 0.6 5,628.6 8.6 54,608.7 83.0 $174,999 Premium 408,814 0.5 * 6,445,890 7.9 67,920,549 83.0 Average $999 $1,145 $1,244

$175,000 to Exposure 273.3 0.5 5,384.0 9.2 47,939.8 82.0 $199,999 Premium 278,440 0.4 * 6,603,526 8.5 63,487,097 81.8 Average $1,019 $1,227 $1,324

$200,000 to Exposure 631.4 0.5 1.3 0.0 10,872.3 8.4 107,621.2 82.8 $299,999 Premium 744,322 0.4 854 0.0 15,502,731 7.9 161,070,413 82.2 Average $1,179 $641 $1,426 $1,497

$300,000 to Exposure 105.8 0.2 3,121.5 7.3 35,710.8 83.0 $399,999 Premium 138,731 0.2 * 5,573,612 7.1 64,466,421 81.9 Average $1,311 $1,786 $1,805

$400,000 to Exposure 43.0 0.2 1,463.7 8.4 14,071.8 80.6 $499,999 Premium 93,111 0.2 * 3,143,257 8.3 30,039,983 79.1 Average $2,165 $2,148 $2,135

$500,000 and Exposure 39.3 0.2 1,758.8 9.4 13,407.6 71.3 Over Premium 77,238 0.1 * 6,195,373 9.9 41,986,025 67.3 Average $1,964 $3,522 $3,132

Total Exposure 13,952.2 2.9 1.3 0.0 36,282.4 7.4 390,208.1 79.8 Premium 6,325,028 0.9 854 0.0 51,631,246 7.5 553,820,876 80.2 Average $453 $641 $1,423 $1,419

2018 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 53.4 0.6 1,745.1 19.1 9,158.9 100.0 Under Premium 37,676 1.2 704,426 22.0 3,205,969 100.0 Average $705 $404 $350

$50,000 to Exposure 147.7 1.1 3,529.3 26.4 13,389.8 100.0 $74,999 Premium 184,079 1.9 2,748,491 28.8 9,530,643 100.0 Average $1,247 $779 $712

$75,000 to Exposure 508.3 1.9 3,686.4 13.8 26,659.3 100.0 $99,999 Premium 599,099 2.5 3,409,290 14.1 24,222,262 100.0 Average $1,179 $925 $909

$100,000 to Exposure 1,666.4 3.6 2,430.8 5.3 46,199.2 100.0 $124,999 Premium 2,020,134 4.1 2,647,811 5.4 48,789,580 100.0 Average $1,212 $1,089 $1,056

$125,000 to Exposure 3,338.1 5.5 1,259.3 2.1 60,309.5 100.0 $149,999 Premium 4,264,119 6.1 1,558,400 2.2 70,026,688 100.0 Average $1,277 $1,238 $1,161

$150,000 to Exposure 4,378.9 6.7 735.6 1.1 65,761.0 100.0 $174,999 Premium 6,072,049 7.4 1,003,590 1.2 81,850,892 100.0 Average $1,387 $1,364 $1,245

$175,000 to Exposure 4,551.3 7.8 313.8 0.5 58,462.2 100.0 $199,999 Premium 6,728,244 8.7 481,747 0.6 77,579,054 100.0 Average $1,478 $1,535 $1,327

$200,000 to Exposure 10,370.8 8.0 431.8 0.3 129,928.8 100.0 $299,999 Premium 17,880,289 9.1 759,015 0.4 195,957,624 100.0 Average $1,724 $1,758 $1,508

$300,000 to Exposure 3,950.6 9.2 112.8 0.3 43,001.4 100.0 $399,999 Premium 8,269,410 10.5 242,459 0.3 78,690,633 100.0 Average $2,093 $2,150 $1,830

$400,000 to Exposure 1,829.7 10.5 43.8 0.3 17,451.8 100.0 $499,999 Premium 4,587,120 12.1 123,459 0.3 37,986,930 100.0 Average $2,507 $2,822 $2,177

$500,000 and Exposure 3,569.8 19.0 33.7 0.2 18,809.3 100.0 Over Premium 14,008,671 22.5 131,420 0.2 62,398,727 100.0 Average $3,924 $3,904 $3,317

Total Exposure 34,365.0 7.0 14,322.1 2.9 489,131.1 100.0 Premium 64,650,890 9.4 13,810,108 2.0 690,239,002 100.0 Average $1,881 $964 $1,411

2018 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 4,097.3 96.6 122.8 2.9 Under Premium 401,836 81.8 * * 56,776 11.6 Average $98 $462

$50,000 to Exposure 3,135.8 72.2 1,074.8 24.7 $74,999 Premium 510,123 56.1 * * 353,633 38.9 Average $163 $329

$75,000 to Exposure 4,258.3 75.8 1,090.6 19.4 $99,999 Premium 892,612 57.9 * * 525,488 34.1 Average $210 $482

$100,000 to Exposure 7,754.3 49.8 5,724.3 36.7 $124,999 Premium 2,057,404 33.6 * * 2,905,829 47.5 Average $265 $508

$125,000 to Exposure 13,174.3 28.0 24,390.9 51.8 $149,999 Premium 3,725,636 16.6 * * 12,847,007 57.2 Average $283 $527

$150,000 to Exposure 19,770.1 17.7 64,660.6 57.8 $174,999 Premium 6,014,689 9.9 * * 36,575,895 60.0 Average $304 $566

$175,000 to Exposure 24,719.1 12.6 122,465.3 62.2 $199,999 Premium 7,706,519 6.6 * * 74,164,805 63.1 Average $312 $606

$200,000 to Exposure 108,519.1 7.1 1,070,711.6 69.9 $299,999 Premium 38,121,857 3.4 * * 767,425,194 69.4 Average $351 $717

$300,000 to Exposure 64,437.0 3.8 1,287,819.0 76.7 $399,999 Premium 28,706,150 1.9 * * 1,122,196,738 75.3 Average $445 $871

$400,000 to Exposure 30,380.8 2.8 873,230.0 79.2 $499,999 Premium 17,227,190 1.5 * * 915,120,779 77.7 Average $567 $1,048

$500,000 and Exposure 42,372.4 2.6 1,249,426.3 77.6 Over Premium 40,070,083 1.3 * * 2,109,748,846 70.5 Average $946 $1,689

Total Exposure 322,618.6 5.1 4,700,716.1 74.5 Premium 145,434,099 2.1 * * 5,041,920,990 72.3 Average $451 $1,073

2018 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 20.5 0.5 4,240.7 100.0 Under Premium 32,336 6.6 * 490,948 100.0 Average $1,577 $116

$50,000 to Exposure 111.5 2.6 24.0 0.6 4,346.0 100.0 $74,999 Premium 33,278 3.7 12,273 1.3 909,307 100.0 Average $298 $511 $209

$75,000 to Exposure 204.3 3.6 64.0 1.1 5,617.2 100.0 $99,999 Premium 92,378 6.0 30,868 2.0 1,541,346 100.0 Average $452 $482 $274

$100,000 to Exposure 2,039.3 13.1 68.0 0.4 15,585.8 100.0 $124,999 Premium 1,114,523 18.2 37,308 0.6 6,115,064 100.0 Average $547 $549 $392

$125,000 to Exposure 9,496.0 20.2 43.0 0.1 47,104.3 100.0 $149,999 Premium 5,854,435 26.1 25,451 0.1 22,452,529 100.0 Average $617 $592 $477

$150,000 to Exposure 27,479.6 24.5 44.0 0.0 111,954.3 100.0 $174,999 Premium 18,289,088 30.0 32,918 0.1 60,912,590 100.0 Average $666 $748 $544

$175,000 to Exposure 49,544.9 25.2 28.0 0.0 196,757.3 100.0 $199,999 Premium 35,604,417 30.3 24,372 0.0 117,500,113 100.0 Average $719 $870 $597

$200,000 to Exposure 352,370.5 23.0 131.1 0.0 1,531,732.3 100.0 $299,999 Premium 299,997,904 27.1 148,833 0.0 1,105,693,788 100.0 Average $851 $1,135 $722

$300,000 to Exposure 327,309.6 19.5 113.1 0.0 1,679,678.7 100.0 $399,999 Premium 338,583,317 22.7 180,177 0.0 1,489,666,382 100.0 Average $1,034 $1,593 $887

$400,000 to Exposure 198,222.9 18.0 75.0 0.0 1,101,908.8 100.0 $499,999 Premium 245,295,784 20.8 141,253 0.0 1,177,785,006 100.0 Average $1,237 $1,883 $1,069

$500,000 and Exposure 317,573.9 19.7 145.0 0.0 1,609,517.7 100.0 Over Premium 843,238,479 28.2 347,552 0.0 2,993,404,960 100.0 Average $2,655 $2,397 $1,860

Total Exposure 1,284,372.9 20.4 735.2 0.0 6,308,442.8 100.0 Premium 1,788,135,939 25.6 981,005 0.0 6,976,472,033 100.0 Average $1,392 $1,334 $1,106

2018 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 626.3 33.6 5.0 0.3 20.7 1.1 251.3 13.5 Under Premium 232,351 37.2 1,489 0.2 10,823 1.7 72,757 11.7 Average $371 $298 $524 $290

$50,000 to Exposure 391.2 19.5 33.0 1.6 138.2 6.9 1,029.8 51.2 $74,999 Premium 232,403 21.2 14,028 1.3 74,679 6.8 513,144 46.7 Average $594 $425 $540 $498

$75,000 to Exposure 435.5 9.3 127.2 2.7 454.6 9.7 3,047.8 65.4 $99,999 Premium 255,853 6.9 75,030 2.0 289,429 7.8 2,591,286 69.5 Average $587 $590 $637 $850

$100,000 to Exposure 682.5 4.3 234.0 1.5 1,450.3 9.1 11,844.8 74.7 $124,999 Premium 456,230 3.0 131,394 0.9 1,262,670 8.4 11,387,205 75.8 Average $668 $562 $871 $961

$125,000 to Exposure 759.0 2.2 312.9 0.9 3,335.6 9.5 27,031.1 76.7 $149,999 Premium 458,947 1.2 195,136 0.5 3,166,275 8.6 28,568,047 77.4 Average $605 $624 $949 $1,057

$150,000 to Exposure 937.4 1.6 492.3 0.8 5,700.7 9.5 46,597.3 77.3 $174,999 Premium 630,539 0.9 292,794 0.4 6,012,599 8.8 53,157,538 77.7 Average $673 $595 $1,055 $1,141

$175,000 to Exposure 952.4 1.1 466.8 0.6 8,164.2 9.8 64,145.8 77.1 $199,999 Premium 636,764 0.6 330,922 0.3 9,254,895 9.2 77,562,694 76.9 Average $669 $709 $1,134 $1,209

$200,000 to Exposure 3,230.4 0.8 1,382.8 0.3 38,240.8 9.7 303,308.1 76.6 $299,999 Premium 2,253,320 0.4 993,383 0.2 50,750,935 9.2 418,417,764 75.8 Average $698 $718 $1,327 $1,380

$300,000 to Exposure 1,708.8 0.6 487.8 0.2 22,864.8 8.3 210,420.7 76.8 $399,999 Premium 1,319,965 0.3 347,060 0.1 36,392,815 8.0 344,741,278 75.6 Average $772 $712 $1,592 $1,638

$400,000 to Exposure 579.2 0.4 163.3 0.1 9,337.0 6.9 104,641.8 77.3 $499,999 Premium 513,576 0.2 123,725 0.0 16,740,566 6.4 196,842,916 75.8 Average $887 $758 $1,793 $1,881

$500,000 and Exposure 498.0 0.3 56.0 0.0 9,626.7 5.8 121,246.8 73.7 Over Premium 633,206 0.1 52,875 0.0 23,003,143 5.2 310,497,371 70.0 Average $1,271 $944 $2,390 $2,561

Total Exposure 10,800.6 0.9 3,761.1 0.3 99,333.3 8.5 893,565.1 76.2 Premium 7,623,154 0.4 2,557,836 0.1 146,958,829 7.6 1,444,352,000 74.5 Average $706 $680 $1,479 $1,616

2018 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 102.8 5.5 855.6 46.0 1,861.5 100.0 Under Premium 15,911 2.5 290,750 46.6 624,081 100.0 Average $155 $340 $335

$50,000 to Exposure 50.0 2.5 367.8 18.3 2,009.9 100.0 $74,999 Premium 41,194 3.8 222,867 20.3 1,098,315 100.0 Average $824 $606 $546

$75,000 to Exposure 205.1 4.4 393.5 8.4 4,663.7 100.0 $99,999 Premium 213,123 5.7 301,749 8.1 3,726,470 100.0 Average $1,039 $767 $799

$100,000 to Exposure 1,220.6 7.7 423.0 2.7 15,855.1 100.0 $124,999 Premium 1,397,291 9.3 378,480 2.5 15,013,270 100.0 Average $1,145 $895 $947

$125,000 to Exposure 3,271.3 9.3 514.2 1.5 35,224.1 100.0 $149,999 Premium 3,974,124 10.8 524,993 1.4 36,887,522 100.0 Average $1,215 $1,021 $1,047

$150,000 to Exposure 5,972.8 9.9 573.3 1.0 60,273.8 100.0 $174,999 Premium 7,703,330 11.3 638,012 0.9 68,434,812 100.0 Average $1,290 $1,113 $1,135

$175,000 to Exposure 8,931.5 10.7 532.7 0.6 83,193.3 100.0 $199,999 Premium 12,379,985 12.3 633,111 0.6 100,798,371 100.0 Average $1,386 $1,189 $1,212

$200,000 to Exposure 48,524.5 12.3 1,133.1 0.3 395,819.8 100.0 $299,999 Premium 78,150,404 14.2 1,539,979 0.3 552,105,785 100.0 Average $1,611 $1,359 $1,395

$300,000 to Exposure 38,279.7 14.0 243.4 0.1 274,005.0 100.0 $399,999 Premium 73,017,280 16.0 452,861 0.1 456,271,259 100.0 Average $1,907 $1,860 $1,665

$400,000 to Exposure 20,517.3 15.2 55.9 0.0 135,294.5 100.0 $499,999 Premium 45,207,383 17.4 125,435 0.0 259,553,601 100.0 Average $2,203 $2,243 $1,918

$500,000 and Exposure 33,118.8 20.1 56.0 0.0 164,602.2 100.0 Over Premium 109,402,646 24.7 157,043 0.0 443,746,284 100.0 Average $3,303 $2,804 $2,696

Total Exposure 160,194.3 13.7 5,148.5 0.4 1,172,802.8 100.0 Premium 331,502,671 17.1 5,265,280 0.3 1,938,259,770 100.0 Average $2,069 $1,023 $1,653

2018 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 62.6 20.8 238.6 79.2 Under Premium 135,109 61.3 * * 84,891 38.5 Average $2,159 $356

$50,000 to Exposure 86.6 38.9 4.0 1.8 130.6 58.7 $74,999 Premium 97,387 61.6 * 1,145 0.7 58,976 37.3 Average $1,125 $286 $452

$75,000 to Exposure 118.6 45.5 1.0 0.4 1.0 0.4 128.2 49.2 $99,999 Premium 108,600 54.4 500 0.3 419 0.2 83,103 41.6 Average $916 $500 $419 $648

$100,000 to Exposure 301.8 20.2 15.4 1.0 1,131.0 75.7 $124,999 Premium 341,760 27.6 * 8,349 0.7 857,793 69.2 Average $1,133 $542 $758

$125,000 to Exposure 227.8 4.7 47.4 1.0 4,361.5 89.7 $149,999 Premium 245,526 6.1 * 29,765 0.7 3,618,306 89.2 Average $1,078 $628 $830

$150,000 to Exposure 407.9 2.9 1.0 0.0 115.2 0.8 12,675.2 89.9 $174,999 Premium 464,471 3.7 559 0.0 84,680 0.7 11,241,396 90.2 Average $1,139 $559 $735 $887

$175,000 to Exposure 312.8 1.2 287.5 1.1 24,780.1 91.5 $199,999 Premium 357,382 1.4 * 235,991 0.9 23,500,479 92.1 Average $1,143 $821 $948

$200,000 to Exposure 3,338.3 1.4 1.2 0.0 8,831.5 3.8 202,563.2 86.0 $299,999 Premium 2,611,696 1.0 1,620 0.0 8,706,224 3.4 222,468,059 87.6 Average $782 $1,389 $986 $1,098

$300,000 to Exposure 1,515.0 0.7 9,288.0 4.4 175,988.6 83.9 $399,999 Premium 1,308,497 0.5 * 11,568,817 4.1 237,811,607 85.2 Average $864 $1,246 $1,351

$400,000 to Exposure 623.3 0.5 4,877.6 4.1 97,113.1 82.2 $499,999 Premium 587,399 0.3 * 7,589,374 4.0 159,320,973 83.7 Average $942 $1,556 $1,641

$500,000 and Exposure 699.9 0.5 4,722.6 3.1 108,640.9 71.7 Over Premium 651,849 0.2 * 10,732,757 2.6 278,795,305 66.5 Average $931 $2,273 $2,566

Total Exposure 7,694.5 1.0 2.2 0.0 28,190.2 3.7 627,750.8 82.3 Premium 6,909,676 0.6 1,845 0.0 38,957,840 3.3 937,840,888 79.0 Average $898 $852 $1,382 $1,494

2018 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 0.1 0.0 301.3 100.0 Under Premium 11 0.0 * 220,330 100.0 Average $132 $731

$50,000 to Exposure 1.2 0.5 222.3 100.0 $74,999 Premium 530 0.3 * 158,038 100.0 Average $454 $711

$75,000 to Exposure 12.0 4.6 260.8 100.0 $99,999 Premium 7,010 3.5 * 199,632 100.0 Average $584 $766

$100,000 to Exposure 46.0 3.1 1,494.2 100.0 $124,999 Premium 30,880 2.5 * 1,238,782 100.0 Average $671 $829

$125,000 to Exposure 227.0 4.7 4,862.7 100.0 $149,999 Premium 164,852 4.1 * 4,057,615 100.0 Average $726 $834

$150,000 to Exposure 899.7 6.4 14,098.9 100.0 $174,999 Premium 673,514 5.4 * 12,464,620 100.0 Average $749 $884

$175,000 to Exposure 1,712.4 6.3 27,092.8 100.0 $199,999 Premium 1,428,826 5.6 * 25,522,678 100.0 Average $834 $942

$200,000 to Exposure 20,672.1 8.8 235,406.3 100.0 $299,999 Premium 20,248,931 8.0 * 254,036,530 100.0 Average $980 $1,079

$300,000 to Exposure 22,939.0 10.9 209,730.6 100.0 $399,999 Premium 28,311,744 10.1 * 279,000,665 100.0 Average $1,234 $1,330

$400,000 to Exposure 15,503.0 13.1 118,117.0 100.0 $499,999 Premium 22,960,130 12.1 * 190,457,876 100.0 Average $1,481 $1,612

$500,000 and Exposure 37,507.4 24.7 151,570.8 100.0 Over Premium 129,167,252 30.8 * 419,347,163 100.0 Average $3,444 $2,767

Total Exposure 99,519.8 13.0 763,157.5 100.0 Premium 202,993,680 17.1 * 1,186,703,929 100.0 Average $2,040 $1,555

2018 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 64.9 50.7 16.7 13.0 26.8 20.9 Under Premium 21,746 86.4 * 775 3.1 50 0.2 Average $335 $47 $2

$50,000 to Exposure 51.8 34.4 76.5 50.8 $74,999 Premium 29,843 51.5 * * 26,795 46.3 Average $576 $350

$75,000 to Exposure 64.3 9.4 5.2 0.8 592.7 86.8 $99,999 Premium 39,953 14.5 * 1,573 0.6 226,070 82.0 Average $622 $304 $381

$100,000 to Exposure 98.0 3.9 28.5 1.1 2,365.3 93.5 $124,999 Premium 79,757 6.3 * 13,089 1.0 1,163,456 91.3 Average $814 $459 $492

$125,000 to Exposure 92.4 1.3 135.7 1.9 6,757.6 95.8 $149,999 Premium 64,559 1.7 * 71,897 1.8 3,723,822 95.5 Average $699 $530 $551

$150,000 to Exposure 106.8 0.8 390.3 2.9 12,798.3 95.5 $174,999 Premium 67,523 0.8 * 216,384 2.7 7,717,068 95.6 Average $633 $554 $603

$175,000 to Exposure 117.2 0.6 702.4 3.7 17,764.3 94.8 $199,999 Premium 50,764 0.4 * 397,739 3.3 11,464,082 95.3 Average $433 $566 $645

$200,000 to Exposure 575.1 0.7 4,085.3 4.6 82,065.5 93.1 $299,999 Premium 266,480 0.4 * 2,658,680 4.1 61,114,850 93.9 Average $463 $651 $745

$300,000 to Exposure 424.3 0.7 3,245.0 5.5 53,785.1 91.5 $399,999 Premium 168,402 0.3 * 2,503,585 4.8 48,248,640 92.5 Average $397 $772 $897

$400,000 to Exposure 198.4 0.7 1,449.3 5.3 25,057.0 90.9 $499,999 Premium 100,795 0.3 * 1,325,706 4.5 26,830,510 91.8 Average $508 $915 $1,071

$500,000 and Exposure 224.3 0.9 1,305.8 5.2 21,275.8 85.5 Over Premium 130,409 0.3 * 1,714,487 4.2 33,779,728 81.9 Average $582 $1,313 $1,588

Total Exposure 2,017.3 0.8 11,364.1 4.7 222,564.7 91.9 Premium 1,020,231 0.5 * 8,902,731 4.2 194,295,071 91.1 Average $506 $783 $873

2018 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 16.6 13.0 3.0 2.3 127.9 100.0 Under Premium 1,939 7.7 654 2.6 25,164 100.0 Average $117 $218 $197

$50,000 to Exposure 2.0 1.3 20.3 13.5 150.7 100.0 $74,999 Premium 480 0.8 1,971 3.4 57,905 100.0 Average $240 $97 $384

$75,000 to Exposure 1.0 0.1 20.1 2.9 683.2 100.0 $99,999 Premium 460 0.2 7,494 2.7 275,550 100.0 Average $460 $373 $403

$100,000 to Exposure 2.3 0.1 36.3 1.4 2,530.3 100.0 $124,999 Premium 1,100 0.1 16,739 1.3 1,274,141 100.0 Average $489 $461 $504

$125,000 to Exposure 35.6 0.5 29.4 0.4 7,050.7 100.0 $149,999 Premium 18,778 0.5 18,557 0.5 3,897,613 100.0 Average $528 $631 $553

$150,000 to Exposure 72.4 0.5 35.2 0.3 13,402.8 100.0 $174,999 Premium 42,213 0.5 24,962 0.3 8,068,150 100.0 Average $583 $710 $602

$175,000 to Exposure 136.7 0.7 21.0 0.1 18,741.5 100.0 $199,999 Premium 93,901 0.8 16,774 0.1 12,023,260 100.0 Average $687 $799 $642

$200,000 to Exposure 1,341.1 1.5 50.3 0.1 88,117.3 100.0 $299,999 Premium 997,169 1.5 42,211 0.1 65,079,390 100.0 Average $744 $839 $739

$300,000 to Exposure 1,333.1 2.3 8.3 0.0 58,795.7 100.0 $399,999 Premium 1,213,733 2.3 9,952 0.0 52,144,312 100.0 Average $910 $1,206 $887

$400,000 to Exposure 859.6 3.1 6.2 0.0 27,570.5 100.0 $499,999 Premium 971,573 3.3 6,687 0.0 29,235,271 100.0 Average $1,130 $1,084 $1,060

$500,000 and Exposure 2,075.3 8.3 1.2 0.0 24,882.3 100.0 Over Premium 5,605,391 13.6 2,155 0.0 41,232,170 100.0 Average $2,701 $1,847 $1,657

Total Exposure 5,875.5 2.4 231.3 0.1 242,052.8 100.0 Premium 8,946,737 4.2 148,156 0.1 213,312,926 100.0 Average $1,523 $641 $881

2018 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 2.0 7.4 2.0 7.4 1.0 3.7 Under Premium 79 1.1 * 4,108 56.5 239 3.3 Average $40 $2,054 $239

$50,000 to Exposure 4.3 118.6 $74,999 Premium * * * 1,776 115.0 Average $418

$75,000 to Exposure 1.0 6.7 11.0 73.3 $99,999 Premium * 307 3.8 * 6,199 76.3 Average $307 $564

$100,000 to Exposure 1.4 1.0 127.6 90.1 $124,999 Premium 229 0.3 * * 68,825 90.3 Average $162 $539

$125,000 to Exposure 2.0 0.2 2.0 0.2 741.2 91.2 $149,999 Premium 433 0.1 * 1,440 0.3 527,536 92.1 Average $217 $720 $712

$150,000 to Exposure 7.0 0.3 1.0 0.0 6.4 0.3 1,967.5 90.7 $174,999 Premium 1,720 0.1 624 0.0 5,196 0.3 1,506,440 91.9 Average $246 $624 $810 $766

$175,000 to Exposure 4.0 0.1 7.8 0.2 3,353.9 92.2 $199,999 Premium 555 0.0 * 6,119 0.2 2,729,780 93.0 Average $139 $781 $814

$200,000 to Exposure 62.4 0.3 87.7 0.4 18,223.1 90.8 $299,999 Premium 16,426 0.1 * 100,752 0.6 16,431,275 91.9 Average $263 $1,149 $902

$300,000 to Exposure 62.8 0.4 157.3 0.9 14,791.5 87.4 $399,999 Premium 14,903 0.1 * 211,403 1.2 15,937,578 88.9 Average $237 $1,344 $1,077

$400,000 to Exposure 90.1 0.8 1.0 0.0 97.9 0.8 10,038.7 86.5 $499,999 Premium 24,332 0.2 712 0.0 162,442 1.1 12,638,825 88.0 Average $270 $712 $1,659 $1,259

$500,000 and Exposure 174.1 0.7 133.5 0.5 20,852.7 80.2 Over Premium 59,442 0.1 * 377,520 0.7 38,804,912 75.7 Average $341 $2,828 $1,861

Total Exposure 405.8 0.5 3.0 0.0 494.6 0.6 70,112.3 86.1 Premium 118,119 0.1 1,643 0.0 868,980 0.8 88,653,385 83.1 Average $291 $548 $1,757 $1,264

2018 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 21.9 81.4 26.9 100.0 Under Premium 2,840 39.1 * 7,266 100.0 Average $130 $270

$50,000 to Exposure 3.6 100.0 $74,999 Premium * * 1,544 100.0 Average $431

$75,000 to Exposure 3.0 20.0 15.0 100.0 $99,999 Premium 1,618 19.9 * 8,124 100.0 Average $539 $542

$100,000 to Exposure 12.7 8.9 141.7 100.0 $124,999 Premium 7,196 9.4 * 76,250 100.0 Average $568 $538

$125,000 to Exposure 67.3 8.3 812.4 100.0 $149,999 Premium 43,097 7.5 * 572,506 100.0 Average $641 $705

$150,000 to Exposure 187.7 8.6 2,169.6 100.0 $174,999 Premium 124,411 7.6 * 1,638,391 100.0 Average $663 $755

$175,000 to Exposure 273.8 7.5 3,639.6 100.0 $199,999 Premium 200,022 6.8 * 2,936,476 100.0 Average $730 $807

$200,000 to Exposure 1,686.7 8.4 20,059.8 100.0 $299,999 Premium 1,339,926 7.5 * 17,888,379 100.0 Average $794 $892

$300,000 to Exposure 1,905.4 11.3 16,917.0 100.0 $399,999 Premium 1,756,964 9.8 * 17,920,848 100.0 Average $922 $1,059

$400,000 to Exposure 1,375.1 11.9 11,602.8 100.0 $499,999 Premium 1,532,840 10.7 * 14,359,151 100.0 Average $1,115 $1,238

$500,000 and Exposure 4,845.3 18.6 26,005.5 100.0 Over Premium 12,007,520 23.4 * 51,249,394 100.0 Average $2,478 $1,971

Total Exposure 10,378.1 12.8 81,393.8 100.0 Premium 17,016,202 16.0 * 106,658,329 100.0 Average $1,640 $1,310

2018 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 17,730.8 83.7 7.8 0.0 3,436.5 16.2 Under Premium 4,806,240 70.2 * 3,474 0.1 2,037,276 29.7 Average $271 $448 $593

$50,000 to Exposure 13,005.3 69.8 32.0 0.2 5,571.3 29.9 $74,999 Premium 5,177,292 51.9 * 18,679 0.2 4,761,871 47.8 Average $398 $584 $855

$75,000 to Exposure 5,440.3 28.8 62.3 0.3 13,351.2 70.6 $99,999 Premium 2,228,426 14.8 * 57,446 0.4 12,759,392 84.5 Average $410 $922 $956

$100,000 to Exposure 8,919.0 11.1 369.3 0.5 68,457.3 84.9 $124,999 Premium 4,319,968 4.8 * 444,212 0.5 81,450,656 89.8 Average $484 $1,203 $1,190

$125,000 to Exposure 14,408.3 7.0 661.4 0.3 184,295.2 89.3 $149,999 Premium 9,983,756 3.9 * 854,448 0.3 235,878,208 91.1 Average $693 $1,292 $1,280

$150,000 to Exposure 22,271.3 6.7 1,081.3 0.3 299,902.3 90.6 $174,999 Premium 18,232,114 4.0 * 1,513,919 0.3 421,587,593 92.5 Average $819 $1,400 $1,406

$175,000 to Exposure 22,954.7 6.1 1,323.8 0.4 346,105.2 91.7 $199,999 Premium 21,182,592 3.8 * 2,045,986 0.4 513,325,815 93.1 Average $923 $1,546 $1,483

$200,000 to Exposure 67,931.6 5.5 4,840.0 0.4 1,155,980.1 93.1 $299,999 Premium 73,970,324 3.4 * 8,831,408 0.4 2,047,862,120 94.7 Average $1,089 $1,825 $1,772

$300,000 to Exposure 22,549.0 4.5 2,444.0 0.5 473,968.8 94.2 $399,999 Premium 36,785,581 3.2 * 5,432,038 0.5 1,099,193,231 95.3 Average $1,631 $2,223 $2,319

$400,000 to Exposure 8,022.8 4.3 1,046.3 0.6 174,883.1 94.2 $499,999 Premium 17,052,078 3.2 * 2,911,984 0.6 501,582,176 95.2 Average $2,125 $2,783 $2,868

$500,000 and Exposure 6,500.3 3.1 1,131.0 0.5 177,839.3 83.9 Over Premium 20,156,286 2.0 * 4,077,492 0.4 770,378,034 75.9 Average $3,101 $3,605 $4,332

Total Exposure 209,733.3 6.6 12,999.2 0.4 2,903,790.3 90.8 Premium 213,894,657 3.4 * 26,191,086 0.4 5,690,816,372 91.1 Average $1,020 $2,015 $1,960

2018 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 19.6 0.1 21,194.6 100.0 Under Premium 2,790 0.0 * 6,849,780 100.0 Average $142 $323

$50,000 to Exposure 5.3 0.0 5.0 0.0 18,618.8 100.0 $74,999 Premium 3,389 0.0 5,848 0.1 9,967,079 100.0 Average $646 $1,170 $535

$75,000 to Exposure 4.8 0.0 50.1 0.3 18,908.7 100.0 $99,999 Premium 2,961 0.0 59,638 0.4 15,107,863 100.0 Average $623 $1,191 $799

$100,000 to Exposure 60.9 0.1 2,818.7 3.5 80,625.3 100.0 $124,999 Premium 55,233 0.1 4,406,871 4.9 90,676,940 100.0 Average $907 $1,563 $1,125

$125,000 to Exposure 334.4 0.2 6,752.9 3.3 206,452.3 100.0 $149,999 Premium 357,721 0.1 11,944,065 4.6 259,018,198 100.0 Average $1,070 $1,769 $1,255

$150,000 to Exposure 537.8 0.2 7,087.2 2.1 330,879.8 100.0 $174,999 Premium 634,661 0.1 14,027,695 3.1 455,995,982 100.0 Average $1,180 $1,979 $1,378

$175,000 to Exposure 636.8 0.2 6,350.8 1.7 377,371.1 100.0 $199,999 Premium 823,581 0.1 13,877,432 2.5 551,255,406 100.0 Average $1,293 $2,185 $1,461

$200,000 to Exposure 3,062.9 0.2 10,324.2 0.8 1,242,138.8 100.0 $299,999 Premium 5,046,562 0.2 27,342,300 1.3 2,163,052,714 100.0 Average $1,648 $2,648 $1,741

$300,000 to Exposure 2,465.7 0.5 1,712.8 0.3 503,140.3 100.0 $399,999 Premium 5,252,925 0.5 6,397,177 0.6 1,153,060,952 100.0 Average $2,130 $3,735 $2,292

$400,000 to Exposure 1,278.2 0.7 376.0 0.2 185,606.3 100.0 $499,999 Premium 3,639,412 0.7 1,938,400 0.4 527,124,050 100.0 Average $2,847 $5,155 $2,840

$500,000 and Exposure 26,349.6 12.4 215.3 0.1 212,035.5 100.0 Over Premium 218,081,005 21.5 1,647,899 0.2 1,014,340,716 100.0 Average $8,276 $7,653 $4,784

Total Exposure 34,755.8 1.1 35,692.9 1.1 3,196,971.4 100.0 Premium 233,900,240 3.7 81,647,325 1.3 6,246,449,680 100.0 Average $6,730 $2,287 $1,954

2018 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 8,902.3 72.8 49.6 0.4 637.3 5.2 Under Premium 2,477,103 63.5 * 28,593 0.7 243,273 6.2 Average $278 $577 $382

$50,000 to Exposure 6,281.7 43.5 401.0 2.8 4,837.8 33.5 $74,999 Premium 2,702,678 36.2 * 228,100 3.1 2,720,264 36.4 Average $430 $569 $562

$75,000 to Exposure 3,868.3 11.5 2,340.0 7.0 24,195.2 72.1 $99,999 Premium 2,181,736 9.5 * 1,747,384 7.6 16,588,824 72.5 Average $564 $747 $686

$100,000 to Exposure 3,386.3 3.6 1.0 0.0 5,984.8 6.4 78,120.8 84.1 $124,999 Premium 2,342,881 3.1 991 0.0 4,617,996 6.2 63,277,562 84.4 Average $692 $991 $772 $810

$125,000 to Exposure 2,611.3 1.6 1.0 0.0 11,015.5 6.6 142,518.0 85.2 $149,999 Premium 1,651,605 1.1 1,018 0.0 8,917,495 5.9 131,789,281 86.5 Average $632 $1,018 $810 $925

$150,000 to Exposure 3,035.3 1.3 16,692.3 7.1 197,040.6 83.9 $174,999 Premium 1,841,632 0.8 * 14,267,096 6.2 199,025,827 85.9 Average $607 $855 $1,010

$175,000 to Exposure 2,561.7 1.0 2.1 0.0 19,643.8 7.8 206,296.9 82.2 $199,999 Premium 1,351,100 0.5 1,786 0.0 17,730,602 6.7 224,600,441 84.8 Average $527 $857 $903 $1,089

$200,000 to Exposure 5,718.4 0.8 2.0 0.0 59,781.9 8.1 596,976.2 80.7 $299,999 Premium 3,161,964 0.4 2,063 0.0 61,828,269 6.9 744,499,139 83.7 Average $553 $1,032 $1,034 $1,247

$300,000 to Exposure 1,714.0 0.5 24,357.0 7.1 274,901.6 80.4 $399,999 Premium 1,094,248 0.2 * 30,097,183 6.1 408,475,882 83.3 Average $638 $1,236 $1,486

$400,000 to Exposure 531.0 0.3 1.0 0.0 12,024.3 7.6 124,776.1 79.2 $499,999 Premium 435,932 0.2 2,851 0.0 17,128,004 6.5 217,569,730 82.1 Average $821 $2,851 $1,424 $1,744

$500,000 and Exposure 455.8 0.2 14,828.3 8.1 132,648.9 72.4 Over Premium 360,180 0.1 * 28,803,351 6.3 331,682,677 72.2 Average $790 $1,942 $2,500

Total Exposure 39,066.0 1.8 7.1 0.0 167,118.4 7.5 1,782,949.2 80.0 Premium 19,601,059 0.7 8,709 0.0 185,394,073 6.5 2,340,472,900 81.7 Average $502 $1,230 $1,109 $1,313

2018 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 232.4 1.9 2,410.4 19.7 12,231.9 100.0 Under Premium 37,537 1.0 1,116,428 28.6 3,902,934 100.0 Average $162 $463 $319

$50,000 to Exposure 116.7 0.8 2,819.1 19.5 14,456.2 100.0 $74,999 Premium 26,127 0.4 1,787,078 23.9 7,464,247 100.0 Average $224 $634 $516

$75,000 to Exposure 285.7 0.9 2,862.6 8.5 33,551.8 100.0 $99,999 Premium 215,741 0.9 2,141,798 9.4 22,875,483 100.0 Average $755 $748 $682

$100,000 to Exposure 2,859.3 3.1 2,513.0 2.7 92,865.1 100.0 $124,999 Premium 2,584,822 3.4 2,160,489 2.9 74,984,741 100.0 Average $904 $860 $807

$125,000 to Exposure 9,216.0 5.5 1,830.4 1.1 167,192.2 100.0 $149,999 Premium 8,255,332 5.4 1,775,189 1.2 152,389,920 100.0 Average $896 $970 $911

$150,000 to Exposure 16,869.2 7.2 1,291.9 0.5 234,929.3 100.0 $174,999 Premium 15,117,813 6.5 1,432,640 0.6 231,685,008 100.0 Average $896 $1,109 $986

$175,000 to Exposure 21,768.8 8.7 739.6 0.3 251,012.8 100.0 $199,999 Premium 20,291,067 7.7 897,679 0.3 264,872,675 100.0 Average $932 $1,214 $1,055

$200,000 to Exposure 75,761.0 10.2 1,154.0 0.2 739,393.5 100.0 $299,999 Premium 78,704,731 8.8 1,586,039 0.2 889,782,205 100.0 Average $1,039 $1,374 $1,203

$300,000 to Exposure 40,513.1 11.9 270.8 0.1 341,756.4 100.0 $399,999 Premium 50,426,811 10.3 471,536 0.1 490,565,660 100.0 Average $1,245 $1,742 $1,435

$400,000 to Exposure 20,092.5 12.8 57.8 0.0 157,482.7 100.0 $499,999 Premium 29,793,114 11.2 118,681 0.0 265,048,312 100.0 Average $1,483 $2,055 $1,683

$500,000 and Exposure 35,124.9 19.2 37.8 0.0 183,095.8 100.0 Over Premium 98,740,822 21.5 105,165 0.0 459,692,195 100.0 Average $2,811 $2,780 $2,511

Total Exposure 222,839.5 10.0 15,987.3 0.7 2,227,967.5 100.0 Premium 304,193,917 10.6 13,592,722 0.5 2,863,263,380 100.0 Average $1,365 $850 $1,285

2018 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 16.8 32.2 7.0 13.4 Under Premium 568 8.5 * * 1,602 23.8 Average $34 $229

$50,000 to Exposure 25.3 26.9 15.0 16.0 45.3 48.4 $74,999 Premium 4,946 24.4 * 6,584 32.5 8,271 40.8 Average $196 $439 $182

$75,000 to Exposure 24.6 7.3 39.0 11.5 270.4 79.8 $99,999 Premium 5,095 4.0 * 30,740 24.3 89,866 70.9 Average $207 $788 $332

$100,000 to Exposure 57.8 5.5 79.3 7.5 897.1 84.9 $124,999 Premium 9,224 2.2 * 55,074 12.9 353,553 82.7 Average $160 $694 $394

$125,000 to Exposure 102.7 5.3 94.0 4.8 1,709.9 88.2 $149,999 Premium 19,270 2.2 * 83,610 9.4 777,665 87.1 Average $188 $889 $455

$150,000 to Exposure 94.8 2.6 155.0 4.3 3,298.0 92.1 $174,999 Premium 24,293 1.2 * 132,772 6.7 1,812,925 91.1 Average $256 $857 $550

$175,000 to Exposure 96.0 1.6 161.0 2.7 5,688.9 95.1 $199,999 Premium 25,784 0.7 * 154,685 4.0 3,653,569 94.8 Average $269 $961 $642

$200,000 to Exposure 408.8 0.9 526.7 1.1 45,438.0 97.5 $299,999 Premium 118,072 0.3 * 539,309 1.5 36,009,794 97.8 Average $289 $1,024 $793

$300,000 to Exposure 285.2 0.5 321.2 0.6 52,161.8 98.3 $399,999 Premium 108,779 0.2 * 332,913 0.6 51,314,971 98.8 Average $381 $1,037 $984

$400,000 to Exposure 125.4 0.4 71.1 0.2 34,347.4 98.4 $499,999 Premium 51,606 0.1 * 60,560 0.1 40,317,880 99.2 Average $411 $852 $1,174

$500,000 and Exposure 204.7 0.4 22.0 0.0 190.3 0.3 55,113.7 95.8 Over Premium 219,866 0.2 18,786 0.0 309,820 0.3 92,457,352 88.3 Average $1,074 $854 $1,628 $1,678

Total Exposure 1,441.8 0.7 22.0 0.0 1,652.6 0.8 198,977.5 97.0 Premium 587,503 0.2 18,786 0.0 1,706,067 0.7 226,797,448 94.0 Average $407 $854 $1,032 $1,140

2018 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 28.3 54.4 52.1 100.0 Under Premium 4,549 67.7 * 6,719 100.0 Average $161 $129

$50,000 to Exposure 6.2 6.6 93.8 100.0 $74,999 Premium 564 2.8 * 20,285 100.0 Average $91 $216

$75,000 to Exposure 3.0 0.9 339.0 100.0 $99,999 Premium 1,249 1.0 * 126,743 100.0 Average $416 $374

$100,000 to Exposure 8.0 0.8 14.0 1.3 1,056.2 100.0 $124,999 Premium 2,412 0.6 7,324 1.7 427,587 100.0 Average $302 $523 $405

$125,000 to Exposure 2.0 0.1 30.0 1.5 1,938.6 100.0 $149,999 Premium 881 0.1 11,165 1.3 892,591 100.0 Average $441 $372 $460

$150,000 to Exposure 5.8 0.2 26.3 0.7 3,579.8 100.0 $174,999 Premium 2,431 0.1 17,566 0.9 1,989,987 100.0 Average $423 $669 $556

$175,000 to Exposure 8.0 0.1 28.0 0.5 5,981.9 100.0 $199,999 Premium 3,680 0.1 17,621 0.5 3,855,339 100.0 Average $460 $629 $644

$200,000 to Exposure 63.7 0.1 166.0 0.4 46,603.2 100.0 $299,999 Premium 34,400 0.1 102,166 0.3 36,803,741 100.0 Average $540 $615 $790

$300,000 to Exposure 118.4 0.2 185.5 0.3 53,072.0 100.0 $399,999 Premium 83,418 0.2 72,159 0.1 51,912,240 100.0 Average $704 $389 $978

$400,000 to Exposure 154.1 0.4 221.1 0.6 34,919.1 100.0 $499,999 Premium 124,157 0.3 95,326 0.2 40,649,529 100.0 Average $806 $431 $1,164

$500,000 and Exposure 1,412.6 2.5 571.0 1.0 57,514.3 100.0 Over Premium 11,384,895 10.9 296,189 0.3 104,686,908 100.0 Average $8,060 $519 $1,820

Total Exposure 1,810.0 0.9 1,245.8 0.6 205,149.8 100.0 Premium 11,642,636 4.8 619,229 0.3 241,371,669 100.0 Average $6,432 $497 $1,177

2018 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 114.2 53.3 1.3 0.6 39.9 18.6 Under Premium 39,921 62.7 * 516 0.8 13,406 21.1 Average $350 $387 $336

$50,000 to Exposure 121.8 19.3 19.7 3.1 12.4 2.0 346.8 55.0 $74,999 Premium 52,313 21.0 3,827 1.5 4,239 1.7 132,798 53.4 Average $429 $195 $341 $383

$75,000 to Exposure 148.7 5.1 43.8 1.5 100.2 3.4 2,401.4 82.0 $99,999 Premium 70,602 5.2 10,435 0.8 44,613 3.3 1,118,330 82.3 Average $475 $239 $445 $466

$100,000 to Exposure 229.2 2.2 67.0 0.6 749.8 7.1 8,636.3 81.2 $124,999 Premium 105,131 1.9 15,416 0.3 343,124 6.2 4,537,016 82.6 Average $459 $230 $458 $525

$125,000 to Exposure 165.8 0.7 155.0 0.6 2,194.4 9.1 18,719.6 77.7 $149,999 Premium 87,237 0.6 43,299 0.3 1,098,364 8.2 10,641,174 79.3 Average $526 $279 $501 $568

$150,000 to Exposure 154.0 0.4 216.2 0.6 4,026.8 10.5 28,230.6 73.7 $174,999 Premium 93,831 0.4 56,766 0.3 2,090,517 9.3 16,912,071 75.6 Average $609 $263 $519 $599

$175,000 to Exposure 134.8 0.3 135.5 0.3 4,394.8 10.3 30,797.8 72.0 $199,999 Premium 70,994 0.3 38,705 0.1 2,379,715 9.0 19,428,057 73.7 Average $527 $286 $541 $631

$200,000 to Exposure 363.1 0.3 406.9 0.3 12,953.3 10.1 89,294.4 69.6 $299,999 Premium 207,333 0.2 133,787 0.1 7,954,280 8.7 64,539,225 70.7 Average $571 $329 $614 $723

$300,000 to Exposure 116.0 0.2 181.5 0.3 4,326.4 7.9 37,327.6 68.2 $399,999 Premium 84,342 0.2 78,307 0.2 3,275,666 6.9 32,791,855 68.7 Average $727 $431 $757 $878

$400,000 to Exposure 46.7 0.2 73.7 0.4 1,365.7 6.7 13,744.3 67.7 $499,999 Premium 41,554 0.2 37,627 0.2 1,295,285 6.0 14,659,023 68.0 Average $890 $511 $948 $1,067

$500,000 and Exposure 31.2 0.1 24.0 0.1 1,153.9 5.3 13,736.0 62.5 Over Premium 23,715 0.1 12,972 0.0 1,678,212 4.0 23,051,098 55.5 Average $761 $541 $1,454 $1,678

Total Exposure 1,625.4 0.5 1,323.2 0.4 31,279.1 9.1 243,274.6 70.5 Premium 876,973 0.3 431,141 0.2 20,164,531 7.4 187,824,053 69.2 Average $540 $326 $645 $772

2018 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 12.3 5.8 46.3 21.6 214.1 100.0 Under Premium 381 0.6 9,453 14.8 63,677 100.0 Average $31 $204 $297

$50,000 to Exposure 16.6 2.6 113.0 17.9 630.3 100.0 $74,999 Premium 6,301 2.5 49,172 19.8 248,650 100.0 Average $380 $435 $395

$75,000 to Exposure 160.0 5.5 72.8 2.5 2,926.8 100.0 $99,999 Premium 75,516 5.6 39,580 2.9 1,359,076 100.0 Average $472 $543 $464

$100,000 to Exposure 908.0 8.5 44.3 0.4 10,634.6 100.0 $124,999 Premium 459,059 8.4 33,182 0.6 5,492,928 100.0 Average $506 $748 $517

$125,000 to Exposure 2,827.0 11.7 29.3 0.1 24,091.2 100.0 $149,999 Premium 1,527,713 11.4 23,838 0.2 13,421,625 100.0 Average $540 $813 $557

$150,000 to Exposure 5,648.5 14.7 31.0 0.1 38,307.1 100.0 $174,999 Premium 3,205,744 14.3 23,663 0.1 22,382,592 100.0 Average $568 $763 $584

$175,000 to Exposure 7,295.6 17.1 7.7 0.0 42,766.3 100.0 $199,999 Premium 4,435,179 16.8 8,606 0.0 26,361,256 100.0 Average $608 $1,123 $616

$200,000 to Exposure 25,351.8 19.7 16.5 0.0 128,385.9 100.0 $299,999 Premium 18,368,285 20.1 20,644 0.0 91,223,554 100.0 Average $725 $1,251 $711

$300,000 to Exposure 12,744.8 23.3 4.0 0.0 54,700.3 100.0 $399,999 Premium 11,529,174 24.1 5,775 0.0 47,765,119 100.0 Average $905 $1,444 $873

$400,000 to Exposure 5,061.3 24.9 20,291.6 100.0 $499,999 Premium 5,521,889 25.6 * 21,555,378 100.0 Average $1,091 $1,062

$500,000 and Exposure 7,018.0 32.0 21,963.1 100.0 Over Premium 16,762,465 40.4 * 41,528,462 100.0 Average $2,388 $1,891

Total Exposure 67,043.8 19.4 365.0 0.1 344,911.1 100.0 Premium 61,891,706 22.8 213,913 0.1 271,402,317 100.0 Average $923 $586 $787

2018 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 2,583.7 48.1 34.5 0.6 137.3 2.6 1,354.4 25.2 Under Premium 927,683 41.8 11,894 0.5 70,763 3.2 624,608 28.1 Average $359 $345 $515 $461

$50,000 to Exposure 2,039.8 23.6 76.1 0.9 822.6 9.5 3,526.3 40.7 $74,999 Premium 1,278,859 23.4 26,981 0.5 408,156 7.5 2,370,980 43.3 Average $627 $355 $496 $672

$75,000 to Exposure 1,351.4 9.3 59.8 0.4 1,162.7 8.0 9,592.3 66.1 $99,999 Premium 1,115,812 11.2 23,610 0.2 673,591 6.7 6,484,369 64.8 Average $826 $395 $579 $676

$100,000 to Exposure 1,421.2 3.3 54.1 0.1 2,509.1 5.8 35,278.0 81.5 $124,999 Premium 1,402,104 4.6 18,963 0.1 1,522,543 5.0 24,609,212 80.6 Average $987 $351 $607 $698

$125,000 to Exposure 859.6 1.0 33.1 0.0 4,812.6 5.4 76,487.6 85.1 $149,999 Premium 818,902 1.2 19,340 0.0 3,108,838 4.6 57,199,313 84.9 Average $953 $585 $646 $748

$150,000 to Exposure 1,020.8 0.7 66.8 0.0 9,574.3 6.8 115,959.8 82.9 $174,999 Premium 1,038,905 0.9 34,325 0.0 6,609,824 5.9 92,524,413 83.0 Average $1,018 $514 $690 $798

$175,000 to Exposure 750.8 0.4 52.2 0.0 13,827.2 8.0 140,487.8 81.3 $199,999 Premium 692,209 0.5 21,550 0.0 9,910,730 6.8 119,553,248 81.9 Average $922 $413 $717 $851

$200,000 to Exposure 2,386.8 0.3 140.3 0.0 86,494.2 11.0 610,990.4 77.8 $299,999 Premium 2,522,653 0.3 72,469 0.0 68,779,256 9.3 584,434,292 78.9 Average $1,057 $517 $795 $957

$300,000 to Exposure 877.9 0.2 60.5 0.0 62,793.9 11.9 403,187.6 76.5 $399,999 Premium 1,060,275 0.2 42,231 0.0 58,552,597 10.2 447,385,481 77.6 Average $1,208 $698 $932 $1,110

$400,000 to Exposure 379.8 0.1 23.1 0.0 28,934.6 11.3 194,533.6 76.2 $499,999 Premium 539,124 0.2 16,142 0.0 31,963,157 9.7 254,843,168 77.0 Average $1,420 $699 $1,105 $1,310

$500,000 and Exposure 401.5 0.1 20.5 0.0 32,524.6 10.8 212,467.8 70.7 Over Premium 695,805 0.1 17,461 0.0 49,988,246 8.6 400,332,998 69.2 Average $1,733 $852 $1,537 $1,884

Total Exposure 14,073.2 0.6 620.8 0.0 243,593.0 10.4 1,803,865.6 77.0 Premium 12,092,331 0.5 304,966 0.0 231,587,701 8.9 1,990,362,082 76.5 Average $859 $491 $951 $1,103

2018 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 215.5 4.0 1,046.5 19.5 5,371.9 100.0 Under Premium 77,657 3.5 508,683 22.9 2,221,288 100.0 Average $360 $486 $414

$50,000 to Exposure 461.8 5.3 1,730.0 20.0 8,656.5 100.0 $74,999 Premium 319,565 5.8 1,070,212 19.5 5,474,753 100.0 Average $692 $619 $632

$75,000 to Exposure 885.2 6.1 1,455.4 10.0 14,506.8 100.0 $99,999 Premium 667,412 6.7 1,040,764 10.4 10,005,558 100.0 Average $754 $715 $690

$100,000 to Exposure 2,864.1 6.6 1,143.1 2.6 43,269.5 100.0 $124,999 Premium 2,174,238 7.1 820,254 2.7 30,547,314 100.0 Average $759 $718 $706

$125,000 to Exposure 7,033.9 7.8 683.2 0.8 89,909.9 100.0 $149,999 Premium 5,699,807 8.5 560,372 0.8 67,406,572 100.0 Average $810 $820 $750

$150,000 to Exposure 12,644.3 9.0 567.2 0.4 139,833.2 100.0 $174,999 Premium 10,757,423 9.7 505,591 0.5 111,470,481 100.0 Average $851 $891 $797

$175,000 to Exposure 17,443.8 10.1 284.3 0.2 172,846.0 100.0 $199,999 Premium 15,453,329 10.6 299,715 0.2 145,930,781 100.0 Average $886 $1,054 $844

$200,000 to Exposure 85,074.5 10.8 636.0 0.1 785,722.2 100.0 $299,999 Premium 84,372,054 11.4 679,749 0.1 740,860,473 100.0 Average $992 $1,069 $943

$300,000 to Exposure 59,637.3 11.3 194.3 0.0 526,751.4 100.0 $399,999 Premium 69,522,648 12.1 280,910 0.0 576,844,142 100.0 Average $1,166 $1,446 $1,095

$400,000 to Exposure 31,355.1 12.3 74.1 0.0 255,300.2 100.0 $499,999 Premium 43,503,680 13.1 87,391 0.0 330,952,662 100.0 Average $1,387 $1,180 $1,296

$500,000 and Exposure 55,004.2 18.3 135.8 0.0 300,554.4 100.0 Over Premium 127,307,629 22.0 161,013 0.0 578,503,152 100.0 Average $2,315 $1,185 $1,925

Total Exposure 272,619.6 11.6 7,949.8 0.3 2,342,721.9 100.0 Premium 359,855,442 13.8 6,014,654 0.2 2,600,217,176 100.0 Average $1,320 $757 $1,110

2018 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 1,485.2 26.7 78.0 1.4 559.2 10.0 2,324.2 41.8 Under Premium 594,619 22.8 26,863 1.0 296,495 11.4 1,239,559 47.6 Average $400 $344 $530 $533

$50,000 to Exposure 1,619.8 11.3 111.6 0.8 1,834.3 12.8 8,766.4 61.0 $74,999 Premium 1,019,305 11.1 43,558 0.5 1,103,742 12.0 5,613,715 61.1 Average $629 $390 $602 $640

$75,000 to Exposure 967.5 2.9 92.7 0.3 2,321.4 6.9 26,491.2 79.2 $99,999 Premium 733,106 3.2 41,320 0.2 1,593,554 6.9 18,091,346 78.1 Average $758 $446 $686 $683

$100,000 to Exposure 847.8 1.0 75.8 0.1 4,570.3 5.3 72,202.6 84.2 $124,999 Premium 744,240 1.2 29,432 0.0 3,310,048 5.1 54,165,316 83.8 Average $878 $389 $724 $750

$125,000 to Exposure 525.3 0.4 52.1 0.0 7,792.7 5.7 113,314.6 82.9 $149,999 Premium 436,544 0.4 24,993 0.0 5,954,762 5.4 92,535,445 83.2 Average $831 $480 $764 $817

$150,000 to Exposure 513.8 0.3 54.8 0.0 11,744.4 6.7 141,530.3 80.9 $174,999 Premium 491,338 0.3 30,473 0.0 9,340,562 6.2 123,139,364 81.3 Average $956 $556 $795 $870

$175,000 to Exposure 306.9 0.2 39.9 0.0 13,185.6 7.3 143,630.9 79.7 $199,999 Premium 294,058 0.2 18,536 0.0 11,099,002 6.7 132,575,751 80.1 Average $958 $464 $842 $923

$200,000 to Exposure 619.3 0.1 80.0 0.0 38,547.8 7.8 387,392.6 78.1 $299,999 Premium 561,777 0.1 46,361 0.0 37,152,245 7.2 402,180,792 78.3 Average $907 $580 $964 $1,038

$300,000 to Exposure 196.6 0.1 19.0 0.0 13,309.8 7.2 143,383.8 77.2 $399,999 Premium 217,620 0.1 12,227 0.0 15,229,802 6.7 174,742,040 76.6 Average $1,107 $644 $1,144 $1,219

$400,000 to Exposure 50.8 0.1 8.2 0.0 4,350.3 6.4 51,706.2 76.2 $499,999 Premium 76,587 0.1 7,878 0.0 5,660,237 5.8 73,396,117 75.3 Average $1,507 $965 $1,301 $1,419

$500,000 and Exposure 62.3 0.1 7.4 0.0 5,293.5 7.4 48,679.7 67.9 Over Premium 111,277 0.1 7,831 0.0 7,646,232 5.2 95,761,132 64.7 Average $1,788 $1,056 $1,444 $1,967

Total Exposure 7,195.3 0.5 619.4 0.0 103,509.2 7.1 1,139,422.3 78.4 Premium 5,280,471 0.3 289,472 0.0 98,386,681 6.5 1,173,440,577 77.4 Average $734 $467 $951 $1,030

2018 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 256.0 4.6 862.0 15.5 5,564.5 100.0 Under Premium 108,552 4.2 338,113 13.0 2,604,201 100.0 Average $424 $392 $468

$50,000 to Exposure 709.3 4.9 1,333.9 9.3 14,375.2 100.0 $74,999 Premium 452,714 4.9 949,099 10.3 9,182,133 100.0 Average $638 $712 $639

$75,000 to Exposure 2,346.7 7.0 1,220.3 3.6 33,439.7 100.0 $99,999 Premium 1,696,082 7.3 1,022,566 4.4 23,177,974 100.0 Average $723 $838 $693

$100,000 to Exposure 7,198.3 8.4 898.4 1.0 85,793.1 100.0 $124,999 Premium 5,509,031 8.5 851,943 1.3 64,610,010 100.0 Average $765 $948 $753

$125,000 to Exposure 14,438.4 10.6 487.6 0.4 136,610.7 100.0 $149,999 Premium 11,764,231 10.6 507,917 0.5 111,223,892 100.0 Average $815 $1,042 $814

$150,000 to Exposure 20,672.2 11.8 387.8 0.2 174,903.4 100.0 $174,999 Premium 17,976,513 11.9 449,428 0.3 151,427,678 100.0 Average $870 $1,159 $866

$175,000 to Exposure 22,964.7 12.7 186.3 0.1 180,314.3 100.0 $199,999 Premium 21,203,272 12.8 219,740 0.1 165,410,359 100.0 Average $923 $1,180 $917

$200,000 to Exposure 69,149.0 13.9 359.3 0.1 496,147.9 100.0 $299,999 Premium 73,473,104 14.3 452,907 0.1 513,867,186 100.0 Average $1,063 $1,260 $1,036

$300,000 to Exposure 28,653.0 15.4 253.3 0.1 185,815.5 100.0 $399,999 Premium 37,766,390 16.6 183,102 0.1 228,151,181 100.0 Average $1,318 $723 $1,228

$400,000 to Exposure 11,492.7 16.9 222.5 0.3 67,830.7 100.0 $499,999 Premium 18,244,902 18.7 143,978 0.1 97,529,699 100.0 Average $1,588 $647 $1,438

$500,000 and Exposure 17,300.0 24.1 402.1 0.6 71,744.9 100.0 Over Premium 44,301,870 29.9 282,114 0.2 148,110,456 100.0 Average $2,561 $702 $2,064

Total Exposure 195,180.1 13.4 6,613.5 0.5 1,452,539.8 100.0 Premium 232,496,661 15.3 5,400,907 0.4 1,515,294,769 100.0 Average $1,191 $817 $1,043

2018 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 2,100.9 37.5 54.6 1.0 622.5 11.1 2,409.4 43.0 Under Premium 445,384 21.7 2,410 0.1 313,497 15.2 1,153,564 56.1 Average $212 $44 $504 $479

$50,000 to Exposure 1,450.3 19.1 5.0 0.1 737.5 9.7 4,721.1 62.3 $74,999 Premium 649,348 15.9 1,917 0.0 478,221 11.7 2,540,537 62.0 Average $448 $383 $648 $538

$75,000 to Exposure 958.3 7.0 1,016.1 7.4 10,947.8 80.2 $99,999 Premium 542,453 6.0 * 747,983 8.2 7,304,240 80.1 Average $566 $736 $667

$100,000 to Exposure 765.6 2.0 6.1 0.0 1,611.7 4.3 33,119.3 88.6 $124,999 Premium 519,803 1.9 4,032 0.0 1,283,114 4.6 24,467,398 88.3 Average $679 $663 $796 $739

$125,000 to Exposure 470.5 0.7 5.1 0.0 2,477.8 3.6 62,009.3 89.8 $149,999 Premium 352,968 0.6 2,207 0.0 2,043,382 3.7 49,961,656 89.7 Average $750 $434 $825 $806

$150,000 to Exposure 426.3 0.5 9.0 0.0 2,996.3 3.5 76,317.1 89.0 $174,999 Premium 318,057 0.4 6,535 0.0 2,598,163 3.5 65,654,159 88.9 Average $746 $726 $867 $860

$175,000 to Exposure 261.6 0.3 5.6 0.0 2,966.5 3.5 73,609.1 87.7 $199,999 Premium 221,554 0.3 3,901 0.0 2,681,908 3.5 67,311,046 87.6 Average $847 $699 $904 $914

$200,000 to Exposure 450.8 0.2 5.1 0.0 7,896.4 3.5 192,634.3 86.3 $299,999 Premium 433,236 0.2 3,848 0.0 7,778,493 3.4 194,577,430 86.0 Average $961 $757 $985 $1,010

$300,000 to Exposure 128.8 0.1 2,535.8 2.9 72,665.4 84.2 $399,999 Premium 144,661 0.1 * 2,767,498 2.7 84,365,824 83.3 Average $1,124 $1,091 $1,161

$400,000 to Exposure 44.6 0.2 681.7 2.3 24,228.3 82.8 $499,999 Premium 63,467 0.2 * 855,027 2.1 32,705,617 81.2 Average $1,424 $1,254 $1,350

$500,000 and Exposure 13.0 0.1 536.0 2.3 18,295.5 77.5 Over Premium 30,564 0.1 * 998,891 2.2 33,481,624 73.0 Average $2,351 $1,864 $1,830

Total Exposure 7,070.5 1.1 90.3 0.0 24,078.3 3.6 570,956.7 85.8 Premium 3,721,495 0.6 24,580 0.0 22,546,177 3.4 563,523,095 85.0 Average $526 $272 $936 $987

2018 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 15.1 0.3 407.1 7.3 5,609.6 100.0 Under Premium 3,184 0.2 137,756 6.7 2,055,795 100.0 Average $211 $338 $366

$50,000 to Exposure 26.7 0.4 634.7 8.4 7,575.2 100.0 $74,999 Premium 21,680 0.5 403,282 9.8 4,094,985 100.0 Average $813 $635 $541

$75,000 to Exposure 227.0 1.7 501.8 3.7 13,650.8 100.0 $99,999 Premium 160,714 1.8 361,012 4.0 9,116,402 100.0 Average $708 $720 $668

$100,000 to Exposure 1,469.1 3.9 398.3 1.1 37,370.1 100.0 $124,999 Premium 1,130,982 4.1 309,253 1.1 27,714,582 100.0 Average $770 $776 $742

$125,000 to Exposure 3,843.4 5.6 220.9 0.3 69,027.0 100.0 $149,999 Premium 3,175,780 5.7 192,984 0.3 55,728,977 100.0 Average $826 $874 $807

$150,000 to Exposure 5,824.5 6.8 178.1 0.2 85,751.3 100.0 $174,999 Premium 5,128,658 6.9 176,710 0.2 73,882,282 100.0 Average $881 $992 $862

$175,000 to Exposure 7,052.9 8.4 80.8 0.1 83,976.4 100.0 $199,999 Premium 6,531,074 8.5 86,964 0.1 76,836,447 100.0 Average $926 $1,077 $915

$200,000 to Exposure 22,147.8 9.9 100.8 0.0 223,235.3 100.0 $299,999 Premium 23,410,879 10.3 127,110 0.1 226,330,996 100.0 Average $1,057 $1,261 $1,014

$300,000 to Exposure 10,929.3 12.7 22.1 0.0 86,281.4 100.0 $399,999 Premium 13,971,167 13.8 35,466 0.0 101,284,616 100.0 Average $1,278 $1,606 $1,174

$400,000 to Exposure 4,295.0 14.7 0.9 0.0 29,250.5 100.0 $499,999 Premium 6,648,840 16.5 1,701 0.0 40,274,652 100.0 Average $1,548 $1,856 $1,377

$500,000 and Exposure 4,757.9 20.2 23,602.3 100.0 Over Premium 11,385,792 24.8 * 45,896,601 100.0 Average $2,393 $1,945

Total Exposure 60,588.8 9.1 2,545.4 0.4 665,329.8 100.0 Premium 71,568,750 10.8 1,832,238 0.3 663,216,335 100.0 Average $1,181 $720 $997

2018 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 13,305.0 70.2 207.4 1.1 1,977.3 10.4 2,730.9 14.4 Under Premium 2,252,063 36.0 107,267 1.7 1,356,858 21.7 2,066,163 33.0 Average $169 $517 $686 $757

$50,000 to Exposure 8,004.3 44.1 239.9 1.3 3,091.9 17.0 4,876.2 26.9 $74,999 Premium 2,473,800 20.5 161,914 1.3 2,734,178 22.7 4,931,751 40.9 Average $309 $675 $884 $1,011

$75,000 to Exposure 4,001.6 16.4 183.3 0.8 4,369.8 17.9 13,789.5 56.5 $99,999 Premium 1,596,900 6.7 151,414 0.6 4,550,165 19.2 15,079,328 63.6 Average $399 $826 $1,041 $1,094

$100,000 to Exposure 1,934.2 4.8 96.9 0.2 5,884.2 14.5 29,982.2 73.7 $124,999 Premium 1,033,225 2.1 98,952 0.2 6,775,189 14.0 36,555,459 75.8 Average $534 $1,021 $1,151 $1,219

$125,000 to Exposure 1,067.4 2.0 52.4 0.1 5,817.5 10.9 42,484.1 79.8 $149,999 Premium 614,062 0.9 57,394 0.1 7,145,688 10.3 55,865,164 80.5 Average $575 $1,095 $1,228 $1,315

$150,000 to Exposure 745.3 1.2 26.7 0.0 6,212.5 10.1 49,423.6 80.0 $174,999 Premium 540,408 0.6 32,469 0.0 8,160,379 9.4 69,276,025 79.9 Average $725 $1,218 $1,314 $1,402

$175,000 to Exposure 396.3 0.6 15.9 0.0 6,026.7 9.7 49,552.3 79.9 $199,999 Premium 272,685 0.3 23,185 0.0 8,275,967 9.0 73,401,118 79.5 Average $688 $1,457 $1,373 $1,481

$200,000 to Exposure 740.4 0.4 12.0 0.0 14,937.2 8.5 140,560.6 79.9 $299,999 Premium 587,958 0.2 25,161 0.0 22,356,342 7.7 229,536,348 78.8 Average $794 $2,097 $1,497 $1,633

$300,000 to Exposure 232.5 0.3 1.0 0.0 4,670.0 6.3 60,075.3 81.2 $399,999 Premium 184,418 0.1 2,030 0.0 7,764,946 5.5 111,805,264 79.6 Average $793 $2,030 $1,663 $1,861

$400,000 to Exposure 44.2 0.2 1.0 0.0 1,574.8 5.5 23,255.0 81.3 $499,999 Premium 50,560 0.1 3,048 0.0 2,870,544 4.6 49,280,971 79.7 Average $1,145 $3,048 $1,823 $2,119

$500,000 and Exposure 34.8 0.1 1,563.4 4.9 21,340.9 66.8 Over Premium 50,948 0.1 * 3,630,550 3.8 60,578,850 63.3 Average $1,466 $2,322 $2,839

Total Exposure 30,505.8 5.2 836.6 0.1 56,125.2 9.5 438,070.5 74.3 Premium 9,657,027 1.0 662,834 0.1 75,620,806 8.1 708,376,441 76.3 Average $317 $792 $1,347 $1,617

2018 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 56.9 0.3 665.8 3.5 18,943.3 100.0 Under Premium 47,350 0.8 422,541 6.8 6,252,242 100.0 Average $832 $635 $330

$50,000 to Exposure 195.8 1.1 1,744.1 9.6 18,152.2 100.0 $74,999 Premium 252,621 2.1 1,502,577 12.5 12,056,841 100.0 Average $1,291 $862 $664

$75,000 to Exposure 506.6 2.1 1,555.8 6.4 24,406.5 100.0 $99,999 Premium 721,170 3.0 1,628,215 6.9 23,727,192 100.0 Average $1,424 $1,047 $972

$100,000 to Exposure 1,726.9 4.2 1,052.1 2.6 40,676.4 100.0 $124,999 Premium 2,537,709 5.3 1,246,568 2.6 48,247,102 100.0 Average $1,470 $1,185 $1,186

$125,000 to Exposure 3,246.1 6.1 567.1 1.1 53,234.6 100.0 $149,999 Premium 4,936,754 7.1 761,621 1.1 69,380,683 100.0 Average $1,521 $1,343 $1,303

$150,000 to Exposure 4,965.5 8.0 420.4 0.7 61,793.9 100.0 $174,999 Premium 8,068,359 9.3 637,402 0.7 86,715,042 100.0 Average $1,625 $1,516 $1,403

$175,000 to Exposure 5,856.8 9.4 199.8 0.3 62,047.8 100.0 $199,999 Premium 10,056,665 10.9 343,006 0.4 92,372,626 100.0 Average $1,717 $1,716 $1,489

$200,000 to Exposure 19,523.6 11.1 242.4 0.1 176,016.2 100.0 $299,999 Premium 38,254,622 13.1 483,667 0.2 291,244,098 100.0 Average $1,959 $1,995 $1,655

$300,000 to Exposure 8,945.2 12.1 31.1 0.0 73,955.0 100.0 $399,999 Premium 20,649,380 14.7 78,193 0.1 140,484,231 100.0 Average $2,308 $2,516 $1,900

$400,000 to Exposure 3,706.3 13.0 6.7 0.0 28,588.0 100.0 $499,999 Premium 9,641,196 15.6 23,667 0.0 61,869,986 100.0 Average $2,601 $3,550 $2,164

$500,000 and Exposure 9,025.8 28.2 2.8 0.0 31,967.7 100.0 Over Premium 31,466,208 32.9 11,658 0.0 95,738,214 100.0 Average $3,486 $4,115 $2,995

Total Exposure 57,755.4 9.8 6,488.0 1.1 589,781.5 100.0 Premium 126,632,034 13.6 7,139,115 0.8 928,088,257 100.0 Average $2,193 $1,100 $1,574

2018 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 2,386.0 21.8 57.8 0.5 933.8 8.5 1,659.0 15.1 Under Premium 713,853 12.0 25,148 0.4 621,149 10.5 930,227 15.7 Average $299 $435 $665 $561

$50,000 to Exposure 1,203.8 6.7 83.5 0.5 4,729.3 26.2 6,323.3 35.0 $74,999 Premium 581,268 4.5 46,458 0.4 3,624,128 27.8 4,438,145 34.1 Average $483 $556 $766 $702

$75,000 to Exposure 611.8 1.5 59.0 0.1 11,460.2 28.8 24,570.7 61.8 $99,999 Premium 362,165 1.1 32,659 0.1 9,669,296 30.3 19,161,698 60.0 Average $592 $554 $844 $780

$100,000 to Exposure 463.0 0.6 43.5 0.1 13,319.9 17.3 60,286.2 78.4 $124,999 Premium 294,343 0.5 23,038 0.0 11,109,557 17.4 50,098,677 78.4 Average $636 $530 $834 $831

$125,000 to Exposure 270.3 0.3 18.0 0.0 12,185.8 11.7 87,704.5 84.4 $149,999 Premium 174,958 0.2 8,987 0.0 10,498,718 11.4 78,592,586 85.0 Average $647 $499 $862 $896

$150,000 to Exposure 270.2 0.2 13.1 0.0 11,156.9 9.7 98,304.8 85.6 $174,999 Premium 175,031 0.2 7,526 0.0 10,107,185 9.3 94,297,993 86.5 Average $648 $575 $906 $959

$175,000 to Exposure 156.2 0.1 7.8 0.0 9,349.2 9.0 89,249.7 85.6 $199,999 Premium 95,231 0.1 5,716 0.0 8,818,502 8.3 91,860,592 86.8 Average $610 $730 $943 $1,029

$200,000 to Exposure 448.4 0.2 14.1 0.0 19,785.0 7.6 223,178.9 85.4 $299,999 Premium 227,218 0.1 8,673 0.0 20,261,438 6.7 261,375,992 86.8 Average $507 $616 $1,024 $1,171

$300,000 to Exposure 162.8 0.2 3.7 0.0 6,280.5 5.9 89,286.7 84.5 $399,999 Premium 92,111 0.1 3,477 0.0 7,314,105 5.0 125,595,363 85.8 Average $566 $948 $1,165 $1,407

$400,000 to Exposure 51.6 0.1 2.3 0.0 2,136.8 5.3 33,341.3 82.5 $499,999 Premium 35,533 0.1 2,016 0.0 2,962,560 4.5 55,368,937 83.5 Average $689 $896 $1,386 $1,661

$500,000 and Exposure 52.6 0.1 2.6 0.0 1,789.9 4.1 32,567.8 74.7 Over Premium 33,026 0.0 3,919 0.0 3,402,468 3.1 77,955,043 70.8 Average $628 $1,517 $1,901 $2,394

Total Exposure 6,076.7 0.7 305.3 0.0 93,127.2 10.1 746,472.8 81.2 Premium 2,784,737 0.3 167,617 0.0 88,389,106 8.4 859,675,253 82.2 Average $458 $549 $949 $1,152

2018 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 93.3 0.9 5,822.7 53.2 10,952.5 100.0 Under Premium 35,961 0.6 3,602,160 60.8 5,928,498 100.0 Average $386 $619 $541

$50,000 to Exposure 207.7 1.2 5,505.5 30.5 18,053.2 100.0 $74,999 Premium 152,901 1.2 4,185,905 32.1 13,028,805 100.0 Average $736 $760 $722

$75,000 to Exposure 565.0 1.4 2,517.8 6.3 39,784.5 100.0 $99,999 Premium 425,436 1.3 2,275,677 7.1 31,926,931 100.0 Average $753 $904 $802

$100,000 to Exposure 1,564.2 2.0 1,213.1 1.6 76,889.8 100.0 $124,999 Premium 1,171,654 1.8 1,168,297 1.8 63,865,566 100.0 Average $749 $963 $831

$125,000 to Exposure 3,180.8 3.1 591.6 0.6 103,950.9 100.0 $149,999 Premium 2,551,452 2.8 606,592 0.7 92,433,293 100.0 Average $802 $1,025 $889

$150,000 to Exposure 4,745.6 4.1 342.9 0.3 114,833.5 100.0 $174,999 Premium 4,060,181 3.7 400,033 0.4 109,047,949 100.0 Average $856 $1,167 $950

$175,000 to Exposure 5,306.7 5.1 139.5 0.1 104,209.0 100.0 $199,999 Premium 4,919,779 4.6 169,662 0.2 105,869,482 100.0 Average $927 $1,216 $1,016

$200,000 to Exposure 17,624.5 6.7 222.1 0.1 261,273.0 100.0 $299,999 Premium 19,028,196 6.3 331,546 0.1 301,233,063 100.0 Average $1,080 $1,493 $1,153

$300,000 to Exposure 9,886.8 9.4 38.7 0.0 105,659.1 100.0 $399,999 Premium 13,273,230 9.1 63,119 0.0 146,341,405 100.0 Average $1,343 $1,632 $1,385

$400,000 to Exposure 4,879.2 12.1 17.6 0.0 40,428.7 100.0 $499,999 Premium 7,917,681 11.9 35,619 0.1 66,322,346 100.0 Average $1,623 $2,026 $1,640

$500,000 and Exposure 9,194.3 21.1 10.0 0.0 43,617.2 100.0 Over Premium 28,755,640 26.1 26,273 0.0 110,176,369 100.0 Average $3,128 $2,627 $2,526

Total Exposure 57,247.9 6.2 16,421.4 1.8 919,651.3 100.0 Premium 82,292,111 7.9 12,864,883 1.2 1,046,173,707 100.0 Average $1,437 $783 $1,138

2018 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 6,177.1 65.1 7.2 0.1 5.8 0.1 1,845.6 19.4 Under Premium 4,005,614 66.0 2,437 0.0 5,299 0.1 958,549 15.8 Average $648 $340 $922 $519

$50,000 to Exposure 6,122.6 44.0 5.0 0.0 185.7 1.3 5,853.3 42.1 $74,999 Premium 3,965,674 38.1 2,160 0.0 227,273 2.2 4,479,307 43.0 Average $648 $432 $1,224 $765

$75,000 to Exposure 5,290.5 17.2 22.0 0.1 859.3 2.8 23,210.1 75.5 $99,999 Premium 3,673,252 11.9 12,714 0.0 1,208,628 3.9 24,354,706 79.0 Average $694 $578 $1,406 $1,049

$100,000 to Exposure 5,337.5 9.0 27.7 0.0 2,092.0 3.5 51,083.3 86.0 $124,999 Premium 3,774,639 5.1 16,916 0.0 2,693,617 3.6 66,314,944 89.7 Average $707 $611 $1,288 $1,298

$125,000 to Exposure 4,437.3 5.8 33.1 0.0 3,721.0 4.8 67,746.3 88.1 $149,999 Premium 3,188,937 2.9 29,221 0.0 4,501,160 4.1 101,672,919 91.9 Average $719 $883 $1,210 $1,501

$150,000 to Exposure 4,080.8 4.5 30.5 0.0 4,752.8 5.2 81,109.8 88.7 $174,999 Premium 3,132,796 2.2 35,354 0.0 5,751,904 4.0 133,514,476 92.6 Average $768 $1,159 $1,210 $1,646

$175,000 to Exposure 2,663.3 3.1 19.0 0.0 5,077.6 5.9 76,632.3 88.8 $199,999 Premium 2,248,213 1.5 29,396 0.0 6,497,537 4.5 134,702,448 92.3 Average $844 $1,547 $1,280 $1,758

$200,000 to Exposure 4,915.8 2.1 37.1 0.0 13,130.3 5.6 212,366.3 90.5 $299,999 Premium 4,783,115 1.0 73,344 0.0 19,402,919 4.2 428,068,116 93.3 Average $973 $1,978 $1,478 $2,016

$300,000 to Exposure 1,047.8 1.2 15.3 0.0 3,954.3 4.5 81,032.5 92.8 $399,999 Premium 1,488,559 0.7 26,368 0.0 7,545,494 3.7 191,754,129 94.2 Average $1,421 $1,729 $1,908 $2,366

$400,000 to Exposure 314.2 1.0 9.0 0.0 1,613.5 5.0 29,657.7 92.0 $499,999 Premium 510,817 0.5 18,737 0.0 3,815,326 4.1 87,900,979 93.5 Average $1,626 $2,082 $2,365 $2,964

$500,000 and Exposure 269.9 0.7 7.0 0.0 1,400.8 3.8 32,441.8 88.6 Over Premium 579,437 0.3 24,852 0.0 4,526,626 2.7 143,623,592 85.5 Average $2,147 $3,550 $3,231 $4,427

Total Exposure 40,656.7 5.4 212.8 0.0 36,793.0 4.8 662,978.7 87.4 Premium 31,351,052 2.2 271,499 0.0 56,175,783 3.9 1,317,344,165 91.1 Average $771 $1,276 $1,527 $1,987

2018 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 25.4 0.3 1,434.0 15.1 9,495.0 100.0 Under Premium 8,337 0.1 1,091,391 18.0 6,071,627 100.0 Average $328 $761 $639

$50,000 to Exposure 4.5 0.0 1,734.4 12.5 13,905.4 100.0 $74,999 Premium 3,016 0.0 1,742,388 16.7 10,419,818 100.0 Average $670 $1,005 $749

$75,000 to Exposure 5.3 0.0 1,337.0 4.4 30,724.2 100.0 $99,999 Premium 6,361 0.0 1,553,614 5.0 30,809,275 100.0 Average $1,212 $1,162 $1,003

$100,000 to Exposure 88.4 0.1 797.8 1.3 59,426.6 100.0 $124,999 Premium 94,030 0.1 1,062,885 1.4 73,957,031 100.0 Average $1,063 $1,332 $1,245

$125,000 to Exposure 585.9 0.8 408.7 0.5 76,932.2 100.0 $149,999 Premium 708,772 0.6 569,045 0.5 110,670,054 100.0 Average $1,210 $1,392 $1,439

$150,000 to Exposure 1,191.4 1.3 231.9 0.3 91,397.2 100.0 $174,999 Premium 1,487,650 1.0 332,065 0.2 144,254,245 100.0 Average $1,249 $1,432 $1,578

$175,000 to Exposure 1,762.5 2.0 110.2 0.1 86,264.8 100.0 $199,999 Premium 2,218,798 1.5 178,954 0.1 145,875,346 100.0 Average $1,259 $1,624 $1,691

$200,000 to Exposure 4,055.1 1.7 164.9 0.1 234,669.3 100.0 $299,999 Premium 6,289,972 1.4 297,893 0.1 458,915,359 100.0 Average $1,551 $1,806 $1,956

$300,000 to Exposure 1,229.6 1.4 34.1 0.0 87,313.5 100.0 $399,999 Premium 2,766,325 1.4 75,767 0.0 203,656,642 100.0 Average $2,250 $2,223 $2,332

$400,000 to Exposure 625.9 1.9 14.0 0.0 32,234.3 100.0 $499,999 Premium 1,771,874 1.9 44,169 0.0 94,061,902 100.0 Average $2,831 $3,155 $2,918

$500,000 and Exposure 2,469.3 6.7 14.0 0.0 36,602.8 100.0 Over Premium 19,187,411 11.4 47,727 0.0 167,989,645 100.0 Average $7,771 $3,409 $4,590

Total Exposure 12,043.3 1.6 6,280.9 0.8 758,965.3 100.0 Premium 34,542,546 2.4 6,995,898 0.5 1,446,680,943 100.0 Average $2,868 $1,114 $1,906

2018 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 1,109.6 75.8 7.0 0.5 43.3 3.0 215.3 14.7 Under Premium 217,089 63.3 2,398 0.7 12,221 3.6 82,923 24.2 Average $196 $343 $282 $385

$50,000 to Exposure 785.9 36.4 33.6 1.6 155.3 7.2 1,029.3 47.7 $74,999 Premium 255,169 29.6 9,703 1.1 57,108 6.6 459,369 53.3 Average $325 $289 $368 $446

$75,000 to Exposure 669.3 16.0 53.6 1.3 281.8 6.7 3,023.2 72.1 $99,999 Premium 250,547 12.3 15,952 0.8 116,170 5.7 1,548,367 75.9 Average $374 $298 $412 $512

$100,000 to Exposure 609.2 6.7 62.8 0.7 696.7 7.7 7,430.5 81.8 $124,999 Premium 289,410 5.6 22,212 0.4 317,805 6.1 4,382,746 84.5 Average $475 $354 $456 $590

$125,000 to Exposure 449.8 2.6 68.8 0.4 1,100.8 6.3 15,153.6 87.4 $149,999 Premium 208,864 1.9 26,850 0.2 535,349 4.9 9,885,365 89.9 Average $464 $391 $486 $652

$150,000 to Exposure 489.5 1.6 45.3 0.2 2,014.0 6.7 25,831.8 85.8 $174,999 Premium 244,789 1.2 20,885 0.1 1,064,101 5.3 17,563,207 88.3 Average $500 $462 $528 $680

$175,000 to Exposure 333.9 0.9 50.3 0.1 2,739.2 7.1 33,085.3 85.3 $199,999 Premium 161,582 0.6 24,437 0.1 1,534,935 5.7 23,583,261 87.6 Average $484 $486 $560 $713

$200,000 to Exposure 854.1 0.6 109.8 0.1 9,459.3 6.3 124,736.4 83.6 $299,999 Premium 529,524 0.5 58,204 0.0 6,299,976 5.4 99,942,281 85.4 Average $620 $530 $666 $801

$300,000 to Exposure 317.3 0.4 28.4 0.0 3,551.8 4.7 62,172.6 82.2 $399,999 Premium 198,007 0.3 20,380 0.0 3,037,086 4.2 60,925,397 84.0 Average $624 $717 $855 $980

$400,000 to Exposure 116.1 0.4 24.5 0.1 1,082.2 3.5 24,678.3 79.7 $499,999 Premium 74,129 0.2 16,683 0.0 1,187,258 3.3 29,553,185 81.8 Average $639 $681 $1,097 $1,198

$500,000 and Exposure 112.8 0.4 12.0 0.0 632.0 2.0 23,701.4 74.5 Over Premium 110,774 0.2 16,256 0.0 986,679 1.8 42,611,275 76.0 Average $982 $1,355 $1,561 $1,798

Total Exposure 5,847.4 1.5 496.0 0.1 21,756.3 5.6 321,057.6 82.1 Premium 2,539,884 0.7 233,960 0.1 15,148,688 4.4 290,537,376 83.5 Average $434 $472 $696 $905

2018 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 14.7 1.0 73.4 5.0 1,463.3 100.0 Under Premium 1,968 0.6 26,133 7.6 342,732 100.0 Average $134 $356 $234

$50,000 to Exposure 7.2 0.3 148.1 6.9 2,159.3 100.0 $74,999 Premium 1,522 0.2 78,491 9.1 861,362 100.0 Average $212 $530 $399

$75,000 to Exposure 22.4 0.5 144.2 3.4 4,194.3 100.0 $99,999 Premium 9,633 0.5 99,245 4.9 2,039,914 100.0 Average $430 $688 $486

$100,000 to Exposure 115.5 1.3 170.1 1.9 9,084.8 100.0 $124,999 Premium 54,548 1.1 117,513 2.3 5,184,234 100.0 Average $472 $691 $571

$125,000 to Exposure 463.5 2.7 104.4 0.6 17,340.9 100.0 $149,999 Premium 259,961 2.4 80,821 0.7 10,997,210 100.0 Average $561 $774 $634

$150,000 to Exposure 1,568.6 5.2 143.6 0.5 30,092.7 100.0 $174,999 Premium 887,678 4.5 117,757 0.6 19,898,417 100.0 Average $566 $820 $661

$175,000 to Exposure 2,512.3 6.5 82.0 0.2 38,802.9 100.0 $199,999 Premium 1,554,195 5.8 71,246 0.3 26,929,656 100.0 Average $619 $869 $694

$200,000 to Exposure 13,887.1 9.3 205.3 0.1 149,252.0 100.0 $299,999 Premium 9,961,724 8.5 200,906 0.2 116,992,615 100.0 Average $717 $978 $784

$300,000 to Exposure 9,546.9 12.6 57.7 0.1 75,674.7 100.0 $399,999 Premium 8,262,137 11.4 66,756 0.1 72,509,763 100.0 Average $865 $1,158 $958

$400,000 to Exposure 5,067.1 16.4 14.7 0.0 30,982.8 100.0 $499,999 Premium 5,275,620 14.6 20,827 0.1 36,127,702 100.0 Average $1,041 $1,420 $1,166

$500,000 and Exposure 7,357.3 23.1 7.4 0.0 31,823.0 100.0 Over Premium 12,342,582 22.0 13,926 0.0 56,081,492 100.0 Average $1,678 $1,878 $1,762

Total Exposure 40,562.6 10.4 1,150.8 0.3 390,870.7 100.0 Premium 38,611,568 11.1 893,621 0.3 347,965,097 100.0 Average $952 $776 $890

2018 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 273.2 49.7 16.5 3.0 7.6 1.4 101.8 18.5 Under Premium 93,816 46.9 6,352 3.2 2,822 1.4 53,423 26.7 Average $343 $385 $372 $525

$50,000 to Exposure 345.0 34.0 13.6 1.3 19.7 1.9 471.5 46.5 $74,999 Premium 181,333 32.8 6,543 1.2 9,283 1.7 255,557 46.2 Average $526 $482 $472 $542

$75,000 to Exposure 319.8 13.1 5.8 0.2 78.3 3.2 1,766.8 72.1 $99,999 Premium 222,486 16.6 3,887 0.3 37,966 2.8 899,732 67.0 Average $696 $666 $485 $509

$100,000 to Exposure 431.5 3.3 13.4 0.1 560.5 4.3 10,801.0 83.2 $124,999 Premium 382,871 4.9 6,934 0.1 343,714 4.4 6,353,794 81.8 Average $887 $517 $613 $588

$125,000 to Exposure 337.8 0.8 17.0 0.0 2,216.9 5.2 35,344.8 82.5 $149,999 Premium 295,534 1.0 8,137 0.0 1,547,665 5.5 23,423,897 82.8 Average $875 $479 $698 $663

$150,000 to Exposure 636.9 0.8 21.3 0.0 5,344.2 6.4 67,468.5 80.3 $174,999 Premium 419,437 0.7 11,620 0.0 4,010,479 6.7 48,700,931 80.9 Average $659 $547 $750 $722

$175,000 to Exposure 662.4 0.6 21.1 0.0 7,948.8 7.1 88,309.7 78.4 $199,999 Premium 403,214 0.5 11,986 0.0 6,388,013 7.4 68,484,739 79.3 Average $609 $569 $804 $776

$200,000 to Exposure 2,500.5 0.5 53.4 0.0 29,502.7 6.3 361,419.8 77.6 $299,999 Premium 1,447,249 0.4 34,147 0.0 26,798,353 6.5 323,767,030 78.7 Average $579 $639 $908 $896

$300,000 to Exposure 1,366.1 0.5 33.5 0.0 15,074.0 5.1 227,753.3 77.2 $399,999 Premium 791,094 0.3 30,991 0.0 16,267,094 5.2 247,459,287 78.7 Average $579 $925 $1,079 $1,087

$400,000 to Exposure 574.3 0.4 7.8 0.0 6,714.0 4.5 115,997.7 77.1 $499,999 Premium 311,936 0.2 8,911 0.0 8,531,737 4.5 149,360,335 78.5 Average $543 $1,138 $1,271 $1,288

$500,000 and Exposure 505.2 0.3 9.3 0.0 8,210.3 4.3 136,604.5 72.0 Over Premium 392,709 0.1 21,337 0.0 14,790,886 4.1 252,009,749 69.7 Average $777 $2,286 $1,802 $1,845

Total Exposure 7,952.5 0.6 212.8 0.0 75,676.8 5.6 1,046,039.2 77.1 Premium 4,941,679 0.3 150,845 0.0 78,728,012 5.4 1,120,768,474 76.6 Average $621 $709 $1,040 $1,071

2018 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 135.2 24.6 16.0 2.9 550.2 100.0 Under Premium 35,154 17.6 8,399 4.2 199,966 100.0 Average $260 $525 $363

$50,000 to Exposure 114.8 11.3 50.0 4.9 1,014.5 100.0 $74,999 Premium 73,227 13.2 27,059 4.9 553,002 100.0 Average $638 $541 $545

$75,000 to Exposure 230.1 9.4 48.6 2.0 2,449.4 100.0 $99,999 Premium 150,050 11.2 29,090 2.2 1,343,211 100.0 Average $652 $599 $548

$100,000 to Exposure 1,139.4 8.8 36.5 0.3 12,982.3 100.0 $124,999 Premium 649,048 8.4 26,578 0.3 7,762,939 100.0 Average $570 $728 $598

$125,000 to Exposure 4,885.2 11.4 15.3 0.0 42,816.8 100.0 $149,999 Premium 2,988,271 10.6 12,834 0.0 28,276,338 100.0 Average $612 $842 $660

$150,000 to Exposure 10,573.4 12.6 16.6 0.0 84,060.8 100.0 $174,999 Premium 7,023,640 11.7 14,001 0.0 60,180,108 100.0 Average $664 $844 $716

$175,000 to Exposure 15,638.2 13.9 11.8 0.0 112,591.9 100.0 $199,999 Premium 11,101,802 12.8 10,988 0.0 86,400,742 100.0 Average $710 $929 $767

$200,000 to Exposure 72,253.5 15.5 21.3 0.0 465,751.1 100.0 $299,999 Premium 59,405,996 14.4 25,740 0.0 411,478,515 100.0 Average $822 $1,211 $883

$300,000 to Exposure 50,665.8 17.2 8.0 0.0 294,900.7 100.0 $399,999 Premium 49,702,894 15.8 12,607 0.0 314,263,967 100.0 Average $981 $1,576 $1,066

$400,000 to Exposure 27,164.7 18.1 2.1 0.0 150,460.5 100.0 $499,999 Premium 32,141,699 16.9 3,975 0.0 190,358,593 100.0 Average $1,183 $1,908 $1,265

$500,000 and Exposure 44,468.8 23.4 189,798.1 100.0 Over Premium 94,546,209 26.1 * 361,760,890 100.0 Average $2,126 $1,906

Total Exposure 227,269.0 16.7 226.1 0.0 1,357,376.3 100.0 Premium 257,817,990 17.6 171,271 0.0 1,462,578,271 100.0 Average $1,134 $758 $1,078

2018 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 202.0 25.1 14.5 1.8 578.8 71.8 Under Premium 61,983 9.6 * 7,818 1.2 538,826 83.5 Average $307 $539 $931

$50,000 to Exposure 131.3 15.5 1.0 0.1 28.5 3.4 658.4 77.7 $74,999 Premium 49,537 11.5 324 0.1 9,933 2.3 367,220 85.2 Average $377 $324 $349 $558

$75,000 to Exposure 111.3 10.7 50.9 4.9 854.0 82.1 $99,999 Premium 54,779 8.3 * 24,626 3.7 569,094 86.2 Average $492 $484 $666

$100,000 to Exposure 180.8 6.2 3.0 0.1 77.2 2.6 2,612.3 89.3 $124,999 Premium 122,696 5.9 1,452 0.1 45,789 2.2 1,867,606 90.3 Average $679 $484 $593 $715

$125,000 to Exposure 186.6 2.7 1.0 0.0 109.3 1.6 6,594.8 94.2 $149,999 Premium 141,442 2.7 344 0.0 70,734 1.3 5,044,784 94.6 Average $758 $344 $647 $765

$150,000 to Exposure 278.4 1.5 1.0 0.0 334.8 1.8 17,206.6 93.5 $174,999 Premium 224,729 1.5 703 0.0 228,585 1.5 13,943,326 94.0 Average $807 $703 $683 $810

$175,000 to Exposure 264.2 0.7 2.0 0.0 788.9 2.1 34,839.1 93.7 $199,999 Premium 232,410 0.7 1,172 0.0 598,620 1.9 30,326,678 94.2 Average $880 $586 $759 $870

$200,000 to Exposure 1,504.8 0.4 1.0 0.0 9,537.6 2.6 334,058.7 90.1 $299,999 Premium 1,363,296 0.4 516 0.0 8,412,331 2.2 354,124,514 91.4 Average $906 $516 $882 $1,060

$300,000 to Exposure 973.0 0.2 2.0 0.0 12,656.1 3.0 375,409.8 87.9 $399,999 Premium 990,092 0.2 2,279 0.0 13,678,092 2.5 491,734,913 89.7 Average $1,018 $1,140 $1,081 $1,310

$400,000 to Exposure 430.3 0.2 2.0 0.0 8,448.7 3.0 241,304.7 86.0 $499,999 Premium 530,092 0.1 3,356 0.0 11,052,495 2.5 385,020,334 88.2 Average $1,232 $1,678 $1,308 $1,596

$500,000 and Exposure 447.7 0.1 3.0 0.0 10,148.6 2.6 325,906.4 82.3 Over Premium 640,531 0.1 2,448 0.0 19,617,261 2.0 784,426,620 81.0 Average $1,431 $816 $1,933 $2,407

Total Exposure 4,710.3 0.3 16.0 0.0 42,195.1 2.7 1,340,023.5 86.9 Premium 4,411,587 0.2 12,594 0.0 53,746,284 2.2 2,067,963,915 86.3 Average $937 $787 $1,274 $1,543

2018 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 8.9 1.1 1.8 0.2 806.0 100.0 Under Premium 36,436 5.6 136 0.0 645,199 100.0 Average $4,086 $78 $800

$50,000 to Exposure 15.4 1.8 13.2 1.6 847.8 100.0 $74,999 Premium 2,240 0.5 1,666 0.4 430,920 100.0 Average $145 $127 $508

$75,000 to Exposure 4.0 0.4 20.5 2.0 1,040.8 100.0 $99,999 Premium 1,818 0.3 9,872 1.5 660,189 100.0 Average $455 $482 $634

$100,000 to Exposure 16.9 0.6 36.2 1.2 2,926.3 100.0 $124,999 Premium 10,974 0.5 18,606 0.9 2,067,123 100.0 Average $649 $514 $706

$125,000 to Exposure 75.5 1.1 31.0 0.4 6,998.3 100.0 $149,999 Premium 53,587 1.0 20,172 0.4 5,331,063 100.0 Average $710 $651 $762

$150,000 to Exposure 530.6 2.9 44.0 0.2 18,395.4 100.0 $174,999 Premium 392,857 2.6 35,872 0.2 14,826,072 100.0 Average $740 $815 $806

$175,000 to Exposure 1,252.9 3.4 25.2 0.1 37,172.3 100.0 $199,999 Premium 994,235 3.1 23,749 0.1 32,176,864 100.0 Average $794 $944 $866

$200,000 to Exposure 25,346.3 6.8 159.5 0.0 370,607.8 100.0 $299,999 Premium 23,280,138 6.0 169,740 0.0 387,350,535 100.0 Average $918 $1,064 $1,045

$300,000 to Exposure 37,826.3 8.9 93.9 0.0 426,961.0 100.0 $399,999 Premium 41,679,188 7.6 120,616 0.0 548,205,180 100.0 Average $1,102 $1,284 $1,284

$400,000 to Exposure 30,409.3 10.8 38.9 0.0 280,633.8 100.0 $499,999 Premium 39,873,013 9.1 63,893 0.0 436,543,183 100.0 Average $1,311 $1,642 $1,556

$500,000 and Exposure 59,471.5 15.0 20.8 0.0 395,998.0 100.0 Over Premium 163,354,250 16.9 42,354 0.0 968,083,464 100.0 Average $2,747 $2,033 $2,445

Total Exposure 154,957.6 10.0 484.9 0.0 1,542,387.4 100.0 Premium 269,678,736 11.3 506,676 0.0 2,396,319,792 100.0 Average $1,740 $1,045 $1,554

2018 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 4,457.9 51.2 88.2 1.0 1,435.9 16.5 2,327.4 26.7 Under Premium 3,899,182 52.3 32,815 0.4 1,741,561 23.4 1,501,358 20.2 Average $875 $372 $1,213 $645

$50,000 to Exposure 3,895.6 23.1 270.0 1.6 2,125.3 12.6 10,215.3 60.6 $74,999 Premium 4,215,104 30.3 125,739 0.9 2,705,174 19.4 6,509,525 46.7 Average $1,082 $466 $1,273 $637

$75,000 to Exposure 2,023.5 5.7 105.3 0.3 1,973.2 5.6 30,496.0 86.1 $99,999 Premium 2,441,671 9.8 56,766 0.2 2,243,655 9.0 19,374,914 77.9 Average $1,207 $539 $1,137 $635

$100,000 to Exposure 1,830.3 2.1 71.3 0.1 3,971.2 4.5 80,749.5 90.6 $124,999 Premium 2,239,395 3.5 40,080 0.1 3,812,871 6.0 55,614,270 87.0 Average $1,224 $562 $960 $689

$125,000 to Exposure 937.6 0.6 23.8 0.0 6,739.8 4.5 136,312.2 91.1 $149,999 Premium 1,090,349 1.0 16,509 0.0 5,568,060 5.0 100,563,529 89.5 Average $1,163 $693 $826 $738

$150,000 to Exposure 1,012.8 0.5 22.5 0.0 12,030.6 5.7 190,195.9 89.6 $174,999 Premium 1,300,472 0.8 18,872 0.0 10,055,318 6.0 147,812,609 88.3 Average $1,284 $839 $836 $777

$175,000 to Exposure 567.4 0.2 14.0 0.0 16,581.1 6.8 215,532.9 88.0 $199,999 Premium 684,017 0.3 11,591 0.0 13,876,403 6.9 176,103,677 87.2 Average $1,205 $828 $837 $817

$200,000 to Exposure 1,248.5 0.2 12.9 0.0 56,349.8 7.0 693,394.9 86.5 $299,999 Premium 1,804,707 0.2 12,195 0.0 52,749,317 7.2 632,228,717 85.7 Average $1,446 $944 $936 $912

$300,000 to Exposure 480.3 0.1 4.0 0.0 23,973.3 6.3 323,869.8 85.5 $399,999 Premium 880,774 0.2 3,528 0.0 26,524,779 6.4 353,299,354 84.9 Average $1,834 $882 $1,106 $1,091

$400,000 to Exposure 156.5 0.1 7,189.0 5.0 123,962.3 85.7 $499,999 Premium 292,696 0.2 * 9,399,773 5.0 161,003,090 85.3 Average $1,870 $1,308 $1,299

$500,000 and Exposure 162.3 0.1 2.0 0.0 6,786.9 4.7 118,987.3 82.7 Over Premium 390,870 0.1 2,170 0.0 12,989,030 4.4 234,553,426 78.8 Average $2,409 $1,085 $1,914 $1,971

Total Exposure 16,772.7 0.8 614.1 0.0 139,156.1 6.3 1,926,043.4 86.5 Premium 19,239,237 0.9 320,079 0.0 141,665,941 6.3 1,888,564,469 84.6 Average $1,147 $521 $1,018 $981

2018 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 159.9 1.8 233.6 2.7 8,702.9 100.0 Under Premium 112,765 1.5 161,292 2.2 7,448,973 100.0 Average $705 $691 $856

$50,000 to Exposure 217.0 1.3 142.4 0.8 16,865.6 100.0 $74,999 Premium 250,417 1.8 123,646 0.9 13,929,605 100.0 Average $1,154 $868 $826

$75,000 to Exposure 725.6 2.0 115.2 0.3 35,438.8 100.0 $99,999 Premium 657,590 2.6 107,680 0.4 24,882,276 100.0 Average $906 $935 $702

$100,000 to Exposure 2,448.4 2.7 65.8 0.1 89,136.4 100.0 $124,999 Premium 2,175,056 3.4 61,621 0.1 63,943,293 100.0 Average $888 $937 $717

$125,000 to Exposure 5,642.2 3.8 28.1 0.0 149,683.7 100.0 $149,999 Premium 5,060,185 4.5 24,380 0.0 112,323,012 100.0 Average $897 $868 $750

$150,000 to Exposure 9,015.4 4.2 17.3 0.0 212,294.6 100.0 $174,999 Premium 8,125,253 4.9 18,260 0.0 167,330,784 100.0 Average $901 $1,053 $788

$175,000 to Exposure 12,250.8 5.0 9.0 0.0 244,955.3 100.0 $199,999 Premium 11,287,940 5.6 11,378 0.0 201,975,006 100.0 Average $921 $1,264 $825

$200,000 to Exposure 50,381.8 6.3 5.0 0.0 801,392.9 100.0 $299,999 Premium 50,647,207 6.9 5,741 0.0 737,447,884 100.0 Average $1,005 $1,148 $920

$300,000 to Exposure 30,468.1 8.0 4.0 0.0 378,799.4 100.0 $399,999 Premium 35,388,274 8.5 5,271 0.0 416,101,980 100.0 Average $1,161 $1,318 $1,098

$400,000 to Exposure 13,397.1 9.3 144,704.8 100.0 $499,999 Premium 18,096,333 9.6 * 188,791,706 100.0 Average $1,351 $1,305

$500,000 and Exposure 17,889.9 12.4 0.3 0.0 143,828.8 100.0 Over Premium 49,638,104 16.7 859 0.0 297,574,459 100.0 Average $2,775 $2,577 $2,069

Total Exposure 142,596.2 6.4 620.7 0.0 2,225,803.1 100.0 Premium 181,439,124 8.1 520,128 0.0 2,231,748,978 100.0 Average $1,272 $838 $1,003

2018 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 582.9 10.8 461.0 8.5 258.5 4.8 2,221.2 41.0 Under Premium 281,057 15.3 19,080 1.0 136,502 7.5 1,145,367 62.5 Average $482 $41 $528 $516

$50,000 to Exposure 750.2 12.6 25.3 0.4 194.6 3.3 3,701.4 62.2 $74,999 Premium 405,839 12.9 14,195 0.5 132,638 4.2 2,294,197 73.1 Average $541 $562 $682 $620

$75,000 to Exposure 670.7 6.4 31.8 0.3 356.8 3.4 8,616.7 82.0 $99,999 Premium 400,508 5.5 19,952 0.3 260,661 3.6 6,215,944 85.3 Average $597 $628 $730 $721

$100,000 to Exposure 926.3 4.1 32.3 0.1 653.1 2.9 19,463.3 86.4 $124,999 Premium 740,625 4.1 22,282 0.1 516,375 2.9 15,694,978 87.2 Average $800 $689 $791 $806

$125,000 to Exposure 663.7 1.7 44.1 0.1 967.0 2.4 35,575.6 89.1 $149,999 Premium 521,679 1.5 33,041 0.1 826,111 2.3 31,989,133 89.2 Average $786 $750 $854 $899

$150,000 to Exposure 944.9 1.4 20.0 0.0 1,711.0 2.5 58,938.6 87.5 $174,999 Premium 789,105 1.2 15,594 0.0 1,606,160 2.4 58,055,655 87.3 Average $835 $780 $939 $985

$175,000 to Exposure 669.2 0.7 18.0 0.0 2,662.5 2.8 80,883.2 86.4 $199,999 Premium 567,634 0.6 18,913 0.0 2,704,914 2.7 86,813,067 86.0 Average $848 $1,051 $1,016 $1,073

$200,000 to Exposure 2,003.5 0.5 29.0 0.0 17,459.5 4.0 366,593.3 83.2 $299,999 Premium 1,799,256 0.3 30,389 0.0 21,885,925 3.9 463,090,608 82.1 Average $898 $1,048 $1,254 $1,263

$300,000 to Exposure 647.3 0.3 14.0 0.0 11,843.7 4.7 203,159.4 81.0 $399,999 Premium 678,323 0.2 17,540 0.0 18,689,869 4.8 309,225,657 79.0 Average $1,048 $1,253 $1,578 $1,522

$400,000 to Exposure 187.8 0.2 7.0 0.0 5,557.0 5.0 88,691.3 79.8 $499,999 Premium 271,103 0.1 10,048 0.0 10,125,349 5.0 158,544,910 77.5 Average $1,444 $1,435 $1,822 $1,788

$500,000 and Exposure 137.2 0.1 2.0 0.0 5,062.1 5.0 75,361.6 74.1 Over Premium 245,902 0.1 5,887 0.0 13,546,231 5.1 187,109,903 70.1 Average $1,793 $2,944 $2,676 $2,483

Total Exposure 8,183.5 0.7 684.4 0.1 46,725.8 4.1 943,205.5 82.0 Premium 6,701,031 0.4 206,921 0.0 70,430,735 4.2 1,320,179,419 79.5 Average $819 $302 $1,507 $1,400

2018 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 35.3 0.7 1,852.3 34.2 5,411.3 100.0 Under Premium 8,862 0.5 241,169 13.2 1,832,037 100.0 Average $251 $130 $339

$50,000 to Exposure 78.8 1.3 1,197.6 20.1 5,947.8 100.0 $74,999 Premium 54,595 1.7 236,730 7.5 3,138,194 100.0 Average $693 $198 $528

$75,000 to Exposure 290.8 2.8 537.1 5.1 10,503.8 100.0 $99,999 Premium 228,116 3.1 161,859 2.2 7,287,040 100.0 Average $784 $301 $694

$100,000 to Exposure 996.2 4.4 455.3 2.0 22,526.5 100.0 $124,999 Premium 826,637 4.6 199,677 1.1 18,000,574 100.0 Average $830 $439 $799

$125,000 to Exposure 2,442.5 6.1 256.3 0.6 39,949.1 100.0 $149,999 Premium 2,344,032 6.5 150,451 0.4 35,864,447 100.0 Average $960 $587 $898

$150,000 to Exposure 5,442.3 8.1 297.3 0.4 67,354.1 100.0 $174,999 Premium 5,820,245 8.8 207,473 0.3 66,494,232 100.0 Average $1,069 $698 $987

$175,000 to Exposure 9,229.3 9.9 171.8 0.2 93,633.8 100.0 $199,999 Premium 10,734,611 10.6 151,832 0.2 100,990,971 100.0 Average $1,163 $884 $1,079

$200,000 to Exposure 54,112.8 12.3 258.9 0.1 440,457.1 100.0 $299,999 Premium 76,917,919 13.6 281,859 0.0 564,005,956 100.0 Average $1,421 $1,089 $1,281

$300,000 to Exposure 35,193.3 14.0 34.6 0.0 250,892.3 100.0 $399,999 Premium 62,644,966 16.0 54,784 0.0 391,311,139 100.0 Average $1,780 $1,584 $1,560

$400,000 to Exposure 16,736.2 15.1 2.3 0.0 111,181.5 100.0 $499,999 Premium 35,523,256 17.4 4,536 0.0 204,479,202 100.0 Average $2,123 $2,016 $1,839

$500,000 and Exposure 21,176.8 20.8 2.1 0.0 101,741.8 100.0 Over Premium 66,181,395 24.8 8,614 0.0 267,097,932 100.0 Average $3,125 $4,135 $2,625

Total Exposure 145,734.3 12.7 5,065.5 0.4 1,149,598.9 100.0 Premium 261,284,634 15.7 1,698,984 0.1 1,660,501,724 100.0 Average $1,793 $335 $1,444

2018 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 9,587.9 76.1 146.2 1.2 1,100.0 8.7 Under Premium 3,796,828 68.8 * 119,540 2.2 845,894 15.3 Average $396 $818 $769

$50,000 to Exposure 6,342.4 37.6 926.5 5.5 6,351.3 37.7 $74,999 Premium 4,466,440 33.4 * 951,668 7.1 5,336,672 39.9 Average $704 $1,027 $840

$75,000 to Exposure 3,619.1 12.1 1,399.3 4.7 21,800.3 73.1 $99,999 Premium 4,509,096 14.5 * 1,701,146 5.5 21,804,982 70.1 Average $1,246 $1,216 $1,000

$100,000 to Exposure 1,851.7 3.9 2,270.1 4.8 40,557.8 86.0 $124,999 Premium 5,659,260 9.7 * 2,660,051 4.6 46,970,378 80.7 Average $3,056 $1,172 $1,158

$125,000 to Exposure 819.9 1.5 3,476.8 6.4 48,492.3 89.1 $149,999 Premium 5,582,862 7.5 * 3,858,055 5.2 62,604,105 84.5 Average $6,809 $1,110 $1,291

$150,000 to Exposure 639.1 1.1 4,350.8 7.6 50,861.4 88.9 $174,999 Premium 5,506,033 6.6 * 5,025,268 6.0 70,911,495 85.1 Average $8,616 $1,155 $1,394

$175,000 to Exposure 345.8 0.7 4,634.3 8.9 46,116.7 88.5 $199,999 Premium 4,190,620 5.3 * 5,510,995 6.9 68,498,924 86.0 Average $12,120 $1,189 $1,485

$200,000 to Exposure 521.1 0.4 10,963.3 8.8 109,301.3 88.1 $299,999 Premium 9,336,071 4.4 * 14,626,862 6.9 183,922,872 86.2 Average $17,917 $1,334 $1,683

$300,000 to Exposure 115.7 0.3 3,186.8 7.8 35,683.3 87.8 $399,999 Premium 2,996,582 3.6 * 5,430,260 6.5 71,897,064 85.9 Average $25,907 $1,704 $2,015

$400,000 to Exposure 32.6 0.2 1,240.2 7.9 13,491.7 86.5 $499,999 Premium 1,069,838 2.8 * 2,671,693 7.0 32,271,942 84.7 Average $32,834 $2,154 $2,392

$500,000 and Exposure 43.9 0.3 1,180.3 7.5 13,080.4 83.0 Over Premium 1,157,887 2.1 * 3,579,330 6.4 45,340,115 81.1 Average $26,366 $3,033 $3,466

Total Exposure 23,919.1 5.1 33,774.3 7.2 386,836.2 83.0 Premium 48,271,517 6.6 * 46,134,868 6.3 610,404,443 82.9 Average $2,018 $1,366 $1,578

2018 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 8.9 0.1 1,759.8 14.0 12,602.8 100.0 Under Premium 4,755 0.1 753,686 13.7 5,520,703 100.0 Average $533 $428 $438

$50,000 to Exposure 3,226.1 19.2 16,846.3 100.0 $74,999 Premium * 2,611,805 19.5 13,366,622 100.0 Average $810 $793

$75,000 to Exposure 11.8 0.0 2,999.9 10.1 29,827.3 100.0 $99,999 Premium 12,363 0.0 3,082,190 9.9 31,107,755 100.0 Average $1,052 $1,027 $1,043

$100,000 to Exposure 111.9 0.2 2,373.3 5.0 47,164.7 100.0 $124,999 Premium 128,362 0.2 2,817,292 4.8 58,235,343 100.0 Average $1,147 $1,187 $1,235

$125,000 to Exposure 329.3 0.6 1,301.8 2.4 54,419.9 100.0 $149,999 Premium 386,634 0.5 1,689,124 2.3 74,120,780 100.0 Average $1,174 $1,298 $1,362

$150,000 to Exposure 547.9 1.0 837.1 1.5 57,236.3 100.0 $174,999 Premium 704,884 0.8 1,208,295 1.4 83,355,975 100.0 Average $1,286 $1,443 $1,456

$175,000 to Exposure 749.0 1.4 262.7 0.5 52,108.3 100.0 $199,999 Premium 1,013,890 1.3 446,426 0.6 79,660,855 100.0 Average $1,354 $1,700 $1,529

$200,000 to Exposure 3,023.6 2.4 320.8 0.3 124,130.0 100.0 $299,999 Premium 4,803,483 2.3 680,379 0.3 213,369,667 100.0 Average $1,589 $2,121 $1,719

$300,000 to Exposure 1,607.1 4.0 49.0 0.1 40,641.8 100.0 $399,999 Premium 3,268,354 3.9 138,061 0.2 83,730,321 100.0 Average $2,034 $2,818 $2,060

$400,000 to Exposure 822.8 5.3 13.6 0.1 15,600.8 100.0 $499,999 Premium 2,021,055 5.3 51,597 0.1 38,086,125 100.0 Average $2,456 $3,799 $2,441

$500,000 and Exposure 1,452.4 9.2 8.3 0.1 15,765.3 100.0 Over Premium 5,819,585 10.4 42,373 0.1 55,939,290 100.0 Average $4,007 $5,085 $3,548

Total Exposure 8,664.7 1.9 13,152.3 2.8 466,343.5 100.0 Premium 18,163,402 2.5 13,521,228 1.8 736,493,436 100.0 Average $2,096 $1,028 $1,579

2018 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 5,404.3 69.6 4.0 0.1 94.9 1.2 1,066.6 13.7 Under Premium 1,642,917 48.4 722 0.0 72,281 2.1 877,976 25.9 Average $304 $181 $762 $823

$50,000 to Exposure 4,208.0 28.0 72.8 0.5 1,449.7 9.6 5,122.2 34.0 $74,999 Premium 1,875,034 17.7 27,768 0.3 774,137 7.3 4,141,071 39.1 Average $446 $382 $534 $808

$75,000 to Exposure 2,532.0 10.0 78.2 0.3 1,644.5 6.5 15,814.8 62.7 $99,999 Premium 1,488,613 7.0 29,666 0.1 1,042,101 4.9 13,352,638 63.1 Average $588 $380 $634 $844

$100,000 to Exposure 1,741.2 3.5 122.7 0.2 2,229.8 4.5 39,508.8 79.2 $124,999 Premium 1,306,170 2.8 52,579 0.1 1,590,190 3.4 36,672,783 78.7 Average $750 $429 $713 $928

$125,000 to Exposure 943.8 1.2 67.0 0.1 2,759.2 3.4 69,628.8 85.1 $149,999 Premium 791,527 0.9 29,992 0.0 2,259,737 2.7 71,089,732 84.4 Average $839 $448 $819 $1,021

$150,000 to Exposure 875.0 0.8 106.0 0.1 4,237.3 3.8 95,413.7 84.6 $174,999 Premium 829,753 0.7 50,677 0.0 3,838,053 3.1 105,395,793 84.1 Average $948 $478 $906 $1,105

$175,000 to Exposure 520.3 0.4 107.8 0.1 4,756.9 4.0 101,196.8 84.2 $199,999 Premium 483,135 0.3 57,427 0.0 4,882,342 3.4 119,723,597 83.8 Average $929 $533 $1,026 $1,183

$200,000 to Exposure 1,159.6 0.3 234.3 0.1 16,650.0 4.5 305,018.2 82.8 $299,999 Premium 1,181,762 0.2 133,611 0.0 19,602,428 3.9 408,149,876 82.2 Average $1,019 $570 $1,177 $1,338

$300,000 to Exposure 403.9 0.2 66.3 0.0 7,607.3 4.4 140,187.8 81.4 $399,999 Premium 530,651 0.2 38,902 0.0 10,869,881 3.9 222,180,661 80.5 Average $1,314 $587 $1,429 $1,585

$400,000 to Exposure 112.3 0.2 24.0 0.0 2,702.3 4.0 53,890.6 80.7 $499,999 Premium 183,158 0.1 19,082 0.0 4,319,948 3.4 99,978,605 79.4 Average $1,630 $795 $1,599 $1,855

$500,000 and Exposure 76.1 0.1 2.0 0.0 1,868.7 2.8 49,348.4 72.8 Over Premium 155,647 0.1 2,420 0.0 4,544,855 2.3 130,298,206 66.9 Average $2,046 $1,210 $2,432 $2,640

Total Exposure 17,976.5 1.7 884.9 0.1 46,000.5 4.2 876,196.6 80.5 Premium 10,468,367 0.7 442,846 0.0 53,795,953 3.5 1,211,860,938 79.3 Average $582 $500 $1,169 $1,383

2018 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 99.1 1.3 1,099.0 14.1 7,767.8 100.0 Under Premium 74,200 2.2 723,255 21.3 3,391,351 100.0 Average $749 $658 $437

$50,000 to Exposure 377.8 2.5 3,814.1 25.4 15,044.4 100.0 $74,999 Premium 427,445 4.0 3,342,453 31.6 10,587,908 100.0 Average $1,132 $876 $704

$75,000 to Exposure 1,146.8 4.5 4,014.9 15.9 25,231.3 100.0 $99,999 Premium 1,288,467 6.1 3,945,186 18.7 21,146,671 100.0 Average $1,123 $983 $838

$100,000 to Exposure 3,370.1 6.8 2,913.3 5.8 49,885.9 100.0 $124,999 Premium 3,856,200 8.3 3,137,136 6.7 46,615,058 100.0 Average $1,144 $1,077 $934

$125,000 to Exposure 6,776.3 8.3 1,648.9 2.0 81,824.0 100.0 $149,999 Premium 8,150,370 9.7 1,908,379 2.3 84,229,737 100.0 Average $1,203 $1,157 $1,029

$150,000 to Exposure 10,880.5 9.6 1,310.4 1.2 112,822.9 100.0 $174,999 Premium 13,603,102 10.9 1,598,686 1.3 125,316,064 100.0 Average $1,250 $1,220 $1,111

$175,000 to Exposure 12,919.5 10.8 650.2 0.5 120,151.5 100.0 $199,999 Premium 16,930,882 11.8 842,870 0.6 142,920,253 100.0 Average $1,310 $1,296 $1,190

$200,000 to Exposure 44,449.8 12.1 1,028.3 0.3 368,540.1 100.0 $299,999 Premium 65,994,101 13.3 1,505,991 0.3 496,567,769 100.0 Average $1,485 $1,465 $1,347

$300,000 to Exposure 23,794.9 13.8 224.8 0.1 172,285.0 100.0 $399,999 Premium 42,095,887 15.2 431,392 0.2 276,147,374 100.0 Average $1,769 $1,919 $1,603

$400,000 to Exposure 9,943.1 14.9 66.4 0.1 66,738.7 100.0 $499,999 Premium 21,187,866 16.8 151,449 0.1 125,840,108 100.0 Average $2,131 $2,280 $1,886

$500,000 and Exposure 16,474.0 24.3 47.3 0.1 67,816.4 100.0 Over Premium 59,525,672 30.6 151,395 0.1 194,678,195 100.0 Average $3,613 $3,204 $2,871

Total Exposure 130,231.9 12.0 16,817.6 1.5 1,088,108.0 100.0 Premium 233,134,192 15.3 17,738,192 1.2 1,527,440,488 100.0 Average $1,790 $1,055 $1,404

2018 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 191.3 45.9 1.0 0.2 4.0 1.0 107.6 25.8 Under Premium 90,518 53.0 554 0.3 1,375 0.8 62,725 36.7 Average $473 $554 $344 $583

$50,000 to Exposure 243.2 22.9 2.0 0.2 28.9 2.7 612.2 57.7 $74,999 Premium 113,188 20.7 1,349 0.2 17,987 3.3 346,608 63.4 Average $465 $675 $622 $566

$75,000 to Exposure 217.9 7.9 2.0 0.1 91.3 3.3 2,148.8 78.3 $99,999 Premium 106,564 5.7 762 0.0 65,443 3.5 1,519,622 81.3 Average $489 $381 $717 $707

$100,000 to Exposure 275.8 3.8 0.3 0.0 198.2 2.7 6,050.7 83.2 $124,999 Premium 169,399 2.9 147 0.0 157,026 2.7 4,947,004 84.1 Average $614 $588 $792 $818

$125,000 to Exposure 191.5 1.3 1.3 0.0 523.1 3.6 11,921.9 82.5 $149,999 Premium 123,428 0.9 896 0.0 423,197 3.2 10,840,650 83.0 Average $645 $672 $809 $909

$150,000 to Exposure 210.5 1.0 833.0 4.0 16,602.6 79.3 $174,999 Premium 176,811 0.9 * 767,071 3.7 16,314,749 79.1 Average $840 $921 $983

$175,000 to Exposure 140.5 0.6 1.0 0.0 953.5 4.0 18,666.3 77.7 $199,999 Premium 104,272 0.4 1,481 0.0 946,907 3.7 19,675,608 77.3 Average $742 $1,481 $993 $1,054

$200,000 to Exposure 346.8 0.5 3,019.0 3.9 59,039.9 76.8 $299,999 Premium 267,827 0.3 * 3,409,743 3.7 68,968,150 75.5 Average $772 $1,129 $1,168

$300,000 to Exposure 109.7 0.3 1.4 0.0 1,080.5 3.3 25,185.1 75.8 $399,999 Premium 128,012 0.3 587 0.0 1,508,666 3.2 34,724,422 74.1 Average $1,167 $414 $1,396 $1,379

$400,000 to Exposure 47.3 0.4 2.0 0.0 374.4 2.9 9,552.9 74.8 $499,999 Premium 49,229 0.2 2,085 0.0 606,617 2.9 15,472,808 73.1 Average $1,040 $1,043 $1,620 $1,620

$500,000 and Exposure 35.0 0.2 314.3 2.2 10,255.8 70.9 Over Premium 48,165 0.1 * 687,448 1.8 25,211,246 65.5 Average $1,376 $2,188 $2,458

Total Exposure 2,009.4 1.0 11.0 0.0 7,420.1 3.6 160,143.7 76.9 Premium 1,377,413 0.5 7,518 0.0 8,591,480 3.2 198,083,592 74.6 Average $685 $683 $1,158 $1,237

2018 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 9.6 2.3 102.9 24.7 416.4 100.0 Under Premium 1,621 0.9 14,068 8.2 170,861 100.0 Average $169 $137 $410

$50,000 to Exposure 9.3 0.9 166.3 15.7 1,061.8 100.0 $74,999 Premium 4,187 0.8 63,510 11.6 546,829 100.0 Average $449 $382 $515

$75,000 to Exposure 148.1 5.4 137.8 5.0 2,745.8 100.0 $99,999 Premium 104,642 5.6 71,528 3.8 1,868,561 100.0 Average $707 $519 $681

$100,000 to Exposure 639.3 8.8 105.5 1.5 7,269.6 100.0 $124,999 Premium 539,786 9.2 68,210 1.2 5,881,572 100.0 Average $844 $647 $809

$125,000 to Exposure 1,725.8 11.9 80.2 0.6 14,443.8 100.0 $149,999 Premium 1,612,884 12.3 63,104 0.5 13,064,159 100.0 Average $935 $787 $904

$150,000 to Exposure 3,192.8 15.3 93.7 0.4 20,932.5 100.0 $174,999 Premium 3,265,144 15.8 94,479 0.5 20,618,254 100.0 Average $1,023 $1,009 $985

$175,000 to Exposure 4,234.8 17.6 34.8 0.1 24,030.8 100.0 $199,999 Premium 4,702,506 18.5 36,563 0.1 25,467,337 100.0 Average $1,110 $1,050 $1,060

$200,000 to Exposure 14,389.9 18.7 92.3 0.1 76,887.8 100.0 $299,999 Premium 18,586,819 20.3 113,425 0.1 91,345,964 100.0 Average $1,292 $1,230 $1,188

$300,000 to Exposure 6,814.8 20.5 16.5 0.0 33,208.0 100.0 $399,999 Premium 10,447,954 22.3 26,277 0.1 46,835,918 100.0 Average $1,533 $1,593 $1,410

$400,000 to Exposure 2,796.2 21.9 2.5 0.0 12,775.3 100.0 $499,999 Premium 5,037,319 23.8 5,160 0.0 21,173,218 100.0 Average $1,802 $2,064 $1,657

$500,000 and Exposure 3,851.4 26.6 14,456.4 100.0 Over Premium 12,525,201 32.6 * 38,471,717 100.0 Average $3,252 $2,661

Total Exposure 37,811.8 18.2 832.3 0.4 208,228.3 100.0 Premium 56,828,063 21.4 556,324 0.2 265,444,390 100.0 Average $1,503 $668 $1,275

2018 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 1,007.2 25.1 114.6 2.9 944.5 23.5 1,643.8 41.0 Under Premium 340,418 14.9 21,240 0.9 605,759 26.5 1,142,935 50.1 Average $338 $185 $641 $695

$50,000 to Exposure 902.1 14.9 68.8 1.1 1,650.5 27.3 2,885.5 47.8 $74,999 Premium 479,107 9.9 41,804 0.9 1,256,626 25.9 2,564,707 52.8 Average $531 $607 $761 $889

$75,000 to Exposure 712.8 5.6 30.6 0.2 2,423.4 19.2 8,820.2 69.8 $99,999 Premium 462,217 3.7 21,741 0.2 2,236,128 18.0 8,946,153 71.9 Average $648 $711 $923 $1,014

$100,000 to Exposure 743.3 2.6 17.8 0.1 3,108.0 10.9 23,324.6 81.7 $124,999 Premium 596,923 1.9 15,466 0.0 3,236,653 10.1 26,341,565 82.4 Average $803 $867 $1,041 $1,129

$125,000 to Exposure 485.5 1.0 10.8 0.0 3,841.4 8.1 40,631.0 85.3 $149,999 Premium 359,200 0.6 11,300 0.0 4,356,169 7.5 49,846,944 85.5 Average $740 $1,043 $1,134 $1,227

$150,000 to Exposure 400.3 0.7 3.6 0.0 4,425.6 7.3 51,762.0 85.6 $174,999 Premium 309,670 0.4 4,020 0.0 5,343,463 6.7 68,454,378 85.7 Average $774 $1,122 $1,207 $1,322

$175,000 to Exposure 255.5 0.5 2.0 0.0 4,084.5 7.2 48,016.1 85.2 $199,999 Premium 209,830 0.3 2,232 0.0 5,174,692 6.4 68,716,072 85.6 Average $821 $1,116 $1,267 $1,431

$200,000 to Exposure 477.7 0.4 3.3 0.0 9,252.1 7.1 111,172.3 85.4 $299,999 Premium 385,428 0.2 5,367 0.0 12,852,621 6.1 181,439,432 85.9 Average $807 $1,610 $1,389 $1,632

$300,000 to Exposure 182.3 0.4 2,991.7 6.0 42,690.2 85.8 $399,999 Premium 134,737 0.1 * 4,768,570 4.9 83,261,237 86.2 Average $739 $1,594 $1,950

$400,000 to Exposure 54.0 0.3 858.8 5.1 14,297.0 85.6 $499,999 Premium 40,609 0.1 * 1,636,419 4.3 32,945,096 85.6 Average $752 $1,906 $2,304

$500,000 and Exposure 43.3 0.3 718.3 5.3 10,760.0 79.5 Over Premium 31,771 0.1 * 2,064,630 4.6 34,753,011 77.8 Average $735 $2,874 $3,230

Total Exposure 5,263.8 1.2 251.6 0.1 34,298.8 8.1 356,002.5 83.6 Premium 3,349,910 0.5 123,170 0.0 43,531,730 6.6 558,411,530 84.5 Average $636 $490 $1,269 $1,569

2018 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 11.8 0.3 290.8 7.2 4,012.6 100.0 Under Premium 4,689 0.2 168,346 7.4 2,283,387 100.0 Average $396 $579 $569

$50,000 to Exposure 22.0 0.4 509.8 8.4 6,038.8 100.0 $74,999 Premium 16,997 0.3 499,996 10.3 4,859,237 100.0 Average $773 $981 $805

$75,000 to Exposure 176.8 1.4 474.5 3.8 12,638.2 100.0 $99,999 Premium 201,797 1.6 569,272 4.6 12,437,308 100.0 Average $1,142 $1,200 $984

$100,000 to Exposure 849.6 3.0 507.8 1.8 28,551.2 100.0 $124,999 Premium 1,118,799 3.5 661,307 2.1 31,970,713 100.0 Average $1,317 $1,302 $1,120

$125,000 to Exposure 2,270.1 4.8 417.7 0.9 47,656.5 100.0 $149,999 Premium 3,176,225 5.4 541,364 0.9 58,291,202 100.0 Average $1,399 $1,296 $1,223

$150,000 to Exposure 3,647.2 6.0 261.8 0.4 60,500.4 100.0 $174,999 Premium 5,347,991 6.7 386,330 0.5 79,845,852 100.0 Average $1,466 $1,475 $1,320

$175,000 to Exposure 3,865.4 6.9 119.7 0.2 56,343.2 100.0 $199,999 Premium 5,984,779 7.5 194,739 0.2 80,282,344 100.0 Average $1,548 $1,627 $1,425

$200,000 to Exposure 9,182.1 7.1 126.8 0.1 130,214.2 100.0 $299,999 Premium 16,281,155 7.7 246,481 0.1 211,210,484 100.0 Average $1,773 $1,945 $1,622

$300,000 to Exposure 3,879.9 7.8 15.9 0.0 49,759.9 100.0 $399,999 Premium 8,371,438 8.7 41,165 0.0 96,577,147 100.0 Average $2,158 $2,586 $1,941

$400,000 to Exposure 1,492.4 8.9 6.1 0.0 16,708.3 100.0 $499,999 Premium 3,842,867 10.0 15,293 0.0 38,480,284 100.0 Average $2,575 $2,514 $2,303

$500,000 and Exposure 2,008.9 14.8 1.0 0.0 13,531.5 100.0 Over Premium 7,826,238 17.5 3,868 0.0 44,679,518 100.0 Average $3,896 $3,868 $3,302

Total Exposure 27,406.2 6.4 2,731.8 0.6 425,954.6 100.0 Premium 52,172,975 7.9 3,328,161 0.5 660,917,476 100.0 Average $1,904 $1,218 $1,552

2018 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 92.0 6.2 4.0 0.3 1.0 0.1 43.2 2.9 Under Premium 47,149 13.7 616 0.2 219 0.1 13,828 4.0 Average $512 $154 $219 $320

$50,000 to Exposure 63.2 7.8 3.0 0.4 2.6 0.3 286.9 35.5 $74,999 Premium 68,920 21.0 1,101 0.3 230 0.1 89,517 27.3 Average $1,091 $367 $89 $312

$75,000 to Exposure 91.9 7.8 16.0 1.4 12.0 1.0 718.2 60.6 $99,999 Premium 51,363 10.2 5,180 1.0 5,528 1.1 296,918 58.9 Average $559 $324 $461 $413

$100,000 to Exposure 202.1 4.0 25.0 0.5 75.8 1.5 4,160.6 82.3 $124,999 Premium 128,432 5.5 8,767 0.4 34,200 1.5 1,881,803 79.9 Average $636 $351 $451 $452

$125,000 to Exposure 278.4 2.1 46.0 0.3 319.1 2.4 11,494.3 84.8 $149,999 Premium 123,717 1.8 13,543 0.2 154,457 2.2 5,900,066 84.3 Average $444 $294 $484 $513

$150,000 to Exposure 402.4 1.4 60.0 0.2 1,014.5 3.5 23,477.9 80.6 $174,999 Premium 188,103 1.1 18,609 0.1 534,614 3.2 13,260,816 80.5 Average $467 $310 $527 $565

$175,000 to Exposure 461.8 1.0 68.1 0.1 2,555.7 5.3 37,986.2 79.0 $199,999 Premium 205,696 0.7 25,911 0.1 1,425,437 4.9 22,747,315 78.9 Average $445 $381 $558 $599

$200,000 to Exposure 2,157.5 0.9 171.0 0.1 14,776.3 6.2 180,874.6 75.3 $299,999 Premium 748,639 0.5 80,956 0.1 9,334,434 5.8 121,053,349 74.8 Average $347 $473 $632 $669

$300,000 to Exposure 894.0 0.7 59.0 0.0 7,406.4 5.8 94,162.1 73.8 $399,999 Premium 322,895 0.3 35,330 0.0 5,496,739 5.3 74,790,938 72.8 Average $361 $599 $742 $794

$400,000 to Exposure 268.4 0.5 19.0 0.0 2,708.8 5.1 38,823.0 73.8 $499,999 Premium 138,948 0.3 15,378 0.0 2,384,209 4.7 36,746,292 72.4 Average $518 $809 $880 $947

$500,000 and Exposure 334.8 0.6 9.0 0.0 3,203.2 5.3 42,577.3 70.7 Over Premium 197,007 0.2 7,985 0.0 4,152,610 4.4 60,419,031 64.0 Average $588 $887 $1,296 $1,419

Total Exposure 5,246.5 0.9 480.1 0.1 32,075.3 5.5 434,604.2 75.0 Premium 2,220,869 0.5 213,376 0.0 23,522,677 5.1 337,199,873 72.4 Average $423 $444 $733 $776

2018 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 57.8 3.9 1,280.1 86.6 1,478.1 100.0 Under Premium 11,543 3.4 270,114 78.6 343,469 100.0 Average $200 $211 $232

$50,000 to Exposure 4.0 0.5 447.8 55.5 807.5 100.0 $74,999 Premium 1,350 0.4 166,582 50.8 327,700 100.0 Average $338 $372 $406

$75,000 to Exposure 59.8 5.1 286.8 24.2 1,184.7 100.0 $99,999 Premium 24,136 4.8 120,666 24.0 503,791 100.0 Average $403 $421 $425

$100,000 to Exposure 414.5 8.2 176.1 3.5 5,054.0 100.0 $124,999 Premium 207,053 8.8 95,148 4.0 2,355,403 100.0 Average $500 $540 $466

$125,000 to Exposure 1,311.1 9.7 112.2 0.8 13,561.0 100.0 $149,999 Premium 740,397 10.6 68,167 1.0 7,000,347 100.0 Average $565 $608 $516

$150,000 to Exposure 3,998.3 13.7 159.6 0.5 29,112.7 100.0 $174,999 Premium 2,353,872 14.3 113,138 0.7 16,469,152 100.0 Average $589 $709 $566

$175,000 to Exposure 6,978.5 14.5 62.8 0.1 48,112.9 100.0 $199,999 Premium 4,359,231 15.1 49,978 0.2 28,813,568 100.0 Average $625 $796 $599

$200,000 to Exposure 41,917.7 17.5 162.5 0.1 240,059.5 100.0 $299,999 Premium 30,565,359 18.9 118,262 0.1 161,900,999 100.0 Average $729 $728 $674

$300,000 to Exposure 25,082.8 19.7 40.2 0.0 127,644.4 100.0 $399,999 Premium 22,074,761 21.5 33,399 0.0 102,754,062 100.0 Average $880 $832 $805

$400,000 to Exposure 10,767.7 20.5 21.7 0.0 52,608.6 100.0 $499,999 Premium 11,421,101 22.5 20,056 0.0 50,725,984 100.0 Average $1,061 $926 $964

$500,000 and Exposure 14,045.3 23.3 13.0 0.0 60,182.7 100.0 Over Premium 29,649,954 31.4 12,053 0.0 94,438,640 100.0 Average $2,111 $927 $1,569

Total Exposure 104,637.4 18.0 2,762.6 0.5 579,806.0 100.0 Premium 101,408,757 21.8 1,067,563 0.2 465,633,115 100.0 Average $969 $386 $803

2018 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 190.8 52.0 49.4 13.5 24.8 6.7 66.7 18.2 Under Premium 48,971 46.5 20,413 19.4 7,948 7.5 23,068 21.9 Average $257 $413 $321 $346

$50,000 to Exposure 202.8 31.8 32.3 5.1 71.5 11.2 299.5 47.0 $74,999 Premium 67,388 27.2 16,739 6.8 28,707 11.6 124,275 50.2 Average $332 $518 $401 $415

$75,000 to Exposure 163.7 12.3 19.8 1.5 109.8 8.3 976.7 73.5 $99,999 Premium 62,842 9.6 11,965 1.8 52,728 8.0 501,040 76.2 Average $384 $603 $480 $513

$100,000 to Exposure 236.5 6.6 19.7 0.5 184.8 5.1 3,051.3 84.8 $124,999 Premium 136,103 6.6 12,111 0.6 95,201 4.6 1,745,462 84.8 Average $575 $616 $515 $572

$125,000 to Exposure 202.0 2.6 16.0 0.2 312.5 4.0 7,106.5 90.0 $149,999 Premium 94,788 1.9 10,601 0.2 168,519 3.4 4,499,930 90.8 Average $469 $663 $539 $633

$150,000 to Exposure 205.8 1.3 17.8 0.1 601.2 3.7 14,529.4 89.6 $174,999 Premium 123,461 1.1 12,775 0.1 346,955 3.1 10,006,095 89.8 Average $600 $716 $577 $689

$175,000 to Exposure 184.3 0.8 7.0 0.0 929.8 3.8 21,558.7 89.2 $199,999 Premium 115,833 0.7 5,456 0.0 568,448 3.2 15,781,314 89.3 Average $629 $779 $611 $732

$200,000 to Exposure 482.8 0.4 23.4 0.0 5,446.3 4.2 111,768.6 86.7 $299,999 Premium 363,271 0.3 23,171 0.0 3,929,308 3.6 94,080,649 87.0 Average $753 $990 $721 $842

$300,000 to Exposure 203.8 0.2 8.5 0.0 3,292.5 3.9 71,772.3 84.3 $399,999 Premium 179,097 0.2 11,722 0.0 2,951,132 3.4 72,479,626 84.5 Average $879 $1,379 $896 $1,010

$400,000 to Exposure 90.1 0.2 7.0 0.0 1,243.9 3.4 30,264.8 81.8 $499,999 Premium 87,389 0.2 9,614 0.0 1,437,932 3.2 36,536,567 82.2 Average $970 $1,373 $1,156 $1,207

$500,000 and Exposure 78.1 0.2 4.0 0.0 784.0 2.0 29,887.8 75.8 Over Premium 97,299 0.1 7,298 0.0 1,312,086 1.9 50,913,481 74.7 Average $1,246 $1,825 $1,674 $1,703

Total Exposure 2,240.4 0.7 205.0 0.1 13,001.0 3.8 291,282.3 84.5 Premium 1,376,442 0.4 141,865 0.0 10,898,964 3.2 286,691,507 83.5 Average $614 $692 $838 $984

2018 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 16.8 4.6 18.7 5.1 367.1 100.0 Under Premium 1,643 1.6 3,358 3.2 105,401 100.0 Average $98 $180 $287

$50,000 to Exposure 1.8 0.3 29.0 4.6 636.9 100.0 $74,999 Premium 621 0.3 9,972 4.0 247,702 100.0 Average $355 $344 $389

$75,000 to Exposure 23.5 1.8 36.0 2.7 1,329.4 100.0 $99,999 Premium 12,514 1.9 16,196 2.5 657,285 100.0 Average $533 $450 $494

$100,000 to Exposure 71.5 2.0 33.9 0.9 3,597.7 100.0 $124,999 Premium 46,696 2.3 22,542 1.1 2,058,115 100.0 Average $653 $665 $572

$125,000 to Exposure 235.6 3.0 21.0 0.3 7,893.6 100.0 $149,999 Premium 164,034 3.3 15,804 0.3 4,953,676 100.0 Average $696 $753 $628

$150,000 to Exposure 829.8 5.1 33.9 0.2 16,217.9 100.0 $174,999 Premium 621,723 5.6 35,175 0.3 11,146,184 100.0 Average $749 $1,037 $687

$175,000 to Exposure 1,472.5 6.1 15.4 0.1 24,167.7 100.0 $199,999 Premium 1,181,047 6.7 17,805 0.1 17,669,903 100.0 Average $802 $1,155 $731

$200,000 to Exposure 11,133.0 8.6 33.5 0.0 128,887.5 100.0 $299,999 Premium 9,695,827 9.0 46,893 0.0 108,139,119 100.0 Average $871 $1,400 $839

$300,000 to Exposure 9,862.8 11.6 8.8 0.0 85,148.7 100.0 $399,999 Premium 10,109,906 11.8 15,589 0.0 85,747,072 100.0 Average $1,025 $1,765 $1,007

$400,000 to Exposure 5,379.1 14.5 2.0 0.0 36,986.9 100.0 $499,999 Premium 6,387,818 14.4 3,681 0.0 44,463,001 100.0 Average $1,188 $1,841 $1,202

$500,000 and Exposure 8,687.9 22.0 2.0 0.0 39,443.8 100.0 Over Premium 15,807,582 23.2 4,448 0.0 68,142,194 100.0 Average $1,819 $2,224 $1,728

Total Exposure 37,714.3 10.9 234.3 0.1 344,677.2 100.0 Premium 44,029,411 12.8 191,463 0.1 343,329,652 100.0 Average $1,167 $817 $996

2018 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 1,022.4 73.8 314.5 22.7 Under Premium 291,857 47.2 * * 292,637 47.3 Average $285 $930

$50,000 to Exposure 1,617.4 74.2 1.0 0.0 536.5 24.6 $74,999 Premium 700,255 80.2 * 433 0.0 162,163 18.6 Average $433 $433 $302

$75,000 to Exposure 1,220.5 62.0 10.3 0.5 709.6 36.0 $99,999 Premium 690,592 61.5 * 6,070 0.5 409,872 36.5 Average $566 $592 $578

$100,000 to Exposure 1,362.8 29.7 61.7 1.3 2,903.2 63.3 $124,999 Premium 1,033,768 33.4 * 33,782 1.1 1,858,585 60.0 Average $759 $548 $640

$125,000 to Exposure 820.5 7.4 299.9 2.7 9,042.8 81.3 $149,999 Premium 614,380 8.0 * 180,769 2.4 6,226,029 81.0 Average $749 $603 $689

$150,000 to Exposure 1,216.1 4.4 872.4 3.2 23,133.0 83.6 $174,999 Premium 1,024,741 5.0 * 547,761 2.7 17,139,415 83.3 Average $843 $628 $741

$175,000 to Exposure 872.1 1.9 2.0 0.0 1,891.8 4.2 38,550.3 85.1 $199,999 Premium 701,644 2.0 1,093 0.0 1,282,250 3.6 30,877,588 85.8 Average $805 $547 $678 $801

$200,000 to Exposure 3,788.4 0.9 2.3 0.0 23,542.2 5.8 345,668.8 85.0 $299,999 Premium 3,096,302 0.8 1,816 0.0 18,511,657 5.0 319,034,388 86.0 Average $817 $807 $786 $923

$300,000 to Exposure 2,332.1 0.5 3.9 0.0 31,611.1 6.5 413,191.3 84.5 $399,999 Premium 2,009,957 0.4 3,244 0.0 29,712,924 5.7 444,167,935 85.5 Average $862 $828 $940 $1,075

$400,000 to Exposure 1,174.3 0.4 21,524.2 6.9 257,546.8 82.7 $499,999 Premium 1,074,264 0.3 * 23,672,732 6.1 327,463,645 84.0 Average $915 $1,100 $1,271

$500,000 and Exposure 1,135.0 0.3 27,733.5 6.5 322,948.3 76.0 Over Premium 1,250,379 0.2 * 40,101,441 5.2 562,813,790 73.2 Average $1,102 $1,446 $1,743

Total Exposure 16,561.6 1.0 8.2 0.0 107,528.2 6.2 1,414,545.0 81.9 Premium 12,488,139 0.6 6,153 0.0 114,033,775 5.4 1,710,446,047 80.7 Average $754 $753 $1,061 $1,209

2018 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 67.6 4.9 1,384.8 100.0 Under Premium 50,376 8.1 * 618,826 100.0 Average $745 $447

$50,000 to Exposure 13.2 0.6 10.9 0.5 2,179.0 100.0 $74,999 Premium 6,046 0.7 3,965 0.5 872,862 100.0 Average $459 $363 $401

$75,000 to Exposure 24.6 1.2 5.2 0.3 1,970.1 100.0 $99,999 Premium 12,255 1.1 4,636 0.4 1,123,425 100.0 Average $499 $897 $570

$100,000 to Exposure 248.1 5.4 10.0 0.2 4,585.8 100.0 $124,999 Premium 162,017 5.2 8,505 0.3 3,096,657 100.0 Average $653 $851 $675

$125,000 to Exposure 951.5 8.6 9.3 0.1 11,123.9 100.0 $149,999 Premium 656,857 8.5 9,747 0.1 7,687,782 100.0 Average $690 $1,054 $691

$150,000 to Exposure 2,457.9 8.9 5.0 0.0 27,684.4 100.0 $174,999 Premium 1,869,238 9.1 5,716 0.0 20,586,871 100.0 Average $760 $1,143 $744

$175,000 to Exposure 3,971.0 8.8 5.0 0.0 45,292.1 100.0 $199,999 Premium 3,111,409 8.6 6,416 0.0 35,980,400 100.0 Average $784 $1,283 $794

$200,000 to Exposure 33,863.8 8.3 15.4 0.0 406,880.8 100.0 $299,999 Premium 30,518,687 8.2 22,584 0.0 371,185,434 100.0 Average $901 $1,465 $912

$300,000 to Exposure 42,028.1 8.6 6.3 0.0 489,172.8 100.0 $399,999 Premium 43,888,784 8.4 14,738 0.0 519,797,582 100.0 Average $1,044 $2,327 $1,063

$400,000 to Exposure 31,076.3 10.0 1.1 0.0 311,322.7 100.0 $499,999 Premium 37,681,123 9.7 1,706 0.0 389,893,470 100.0 Average $1,213 $1,575 $1,252

$500,000 and Exposure 73,387.1 17.3 1.0 0.0 425,204.9 100.0 Over Premium 164,537,985 21.4 1,655 0.0 768,705,250 100.0 Average $2,242 $1,655 $1,808

Total Exposure 188,089.1 10.9 69.2 0.0 1,726,801.2 100.0 Premium 282,494,777 13.3 79,668 0.0 2,119,548,559 100.0 Average $1,502 $1,152 $1,227

2018 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 169.8 9.2 413.7 22.4 668.1 36.2 Under Premium 138,133 14.0 * 268,514 27.3 402,622 40.9 Average $814 $649 $603

$50,000 to Exposure 221.1 10.3 392.1 18.2 1,273.5 59.3 $74,999 Premium 163,001 10.4 * 365,780 23.4 920,851 58.9 Average $737 $933 $723

$75,000 to Exposure 372.5 5.8 760.1 11.8 4,891.8 76.0 $99,999 Premium 229,235 4.7 * 674,412 13.8 3,723,336 76.1 Average $615 $887 $761

$100,000 to Exposure 720.7 3.8 2,100.8 11.0 14,489.5 76.0 $124,999 Premium 472,833 3.1 * 1,772,874 11.6 11,608,907 76.0 Average $656 $844 $801

$125,000 to Exposure 708.4 2.0 1.0 0.0 3,324.1 9.4 26,619.6 75.6 $149,999 Premium 479,801 1.6 471 0.0 2,812,612 9.6 22,026,651 75.3 Average $677 $471 $846 $827

$150,000 to Exposure 634.3 1.4 4,058.3 8.7 34,632.8 74.1 $174,999 Premium 466,704 1.2 * 3,596,668 8.9 29,590,768 73.4 Average $736 $886 $854

$175,000 to Exposure 575.3 1.2 3,475.3 7.1 35,973.3 73.4 $199,999 Premium 421,881 0.9 * 3,331,222 7.5 32,408,988 72.6 Average $733 $959 $901

$200,000 to Exposure 1,416.2 1.0 1.8 0.0 7,582.0 5.4 105,436.8 74.9 $299,999 Premium 1,020,539 0.7 2,142 0.0 8,175,151 5.6 108,750,798 74.2 Average $721 $1,168 $1,078 $1,031

$300,000 to Exposure 433.6 0.8 2,539.1 4.5 42,280.0 75.8 $399,999 Premium 385,379 0.6 * 3,243,885 4.7 52,251,967 75.4 Average $889 $1,278 $1,236

$400,000 to Exposure 121.7 0.5 943.7 4.2 16,975.5 75.2 $499,999 Premium 139,153 0.4 * 1,361,227 4.1 24,623,951 74.7 Average $1,144 $1,442 $1,451

$500,000 and Exposure 102.4 0.4 1,196.2 4.5 19,232.3 71.9 Over Premium 149,612 0.3 * 2,277,528 4.1 38,903,364 69.7 Average $1,461 $1,904 $2,023

Total Exposure 5,475.8 1.3 2.8 0.0 26,785.3 6.6 302,473.2 74.4 Premium 4,066,271 0.9 2,615 0.0 27,879,873 6.3 325,212,203 73.7 Average $743 $923 $1,041 $1,075

2018 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 18.2 1.0 576.8 31.2 1,846.5 100.0 Under Premium 3,662 0.4 171,595 17.4 984,528 100.0 Average $202 $297 $533

$50,000 to Exposure 10.3 0.5 252.1 11.7 2,149.1 100.0 $74,999 Premium 5,969 0.4 108,737 7.0 1,564,338 100.0 Average $578 $431 $728

$75,000 to Exposure 182.3 2.8 234.1 3.6 6,440.8 100.0 $99,999 Premium 134,523 2.7 131,007 2.7 4,892,513 100.0 Average $738 $560 $760

$100,000 to Exposure 1,449.1 7.6 308.8 1.6 19,068.8 100.0 $124,999 Premium 1,210,291 7.9 201,337 1.3 15,266,242 100.0 Average $835 $652 $801

$125,000 to Exposure 4,200.0 11.9 342.7 1.0 35,195.8 100.0 $149,999 Premium 3,703,567 12.7 238,360 0.8 29,261,462 100.0 Average $882 $696 $831

$150,000 to Exposure 7,099.9 15.2 286.1 0.6 46,711.4 100.0 $174,999 Premium 6,410,448 15.9 229,010 0.6 40,293,598 100.0 Average $903 $801 $863

$175,000 to Exposure 8,818.8 18.0 136.8 0.3 48,979.3 100.0 $199,999 Premium 8,345,400 18.7 127,017 0.3 44,634,508 100.0 Average $946 $929 $911

$200,000 to Exposure 26,100.3 18.5 269.8 0.2 140,806.9 100.0 $299,999 Premium 28,270,423 19.3 280,169 0.2 146,499,222 100.0 Average $1,083 $1,038 $1,040

$300,000 to Exposure 10,490.6 18.8 61.2 0.1 55,804.4 100.0 $399,999 Premium 13,353,240 19.3 81,815 0.1 69,316,286 100.0 Average $1,273 $1,338 $1,242

$400,000 to Exposure 4,523.7 20.0 9.2 0.0 22,573.7 100.0 $499,999 Premium 6,818,309 20.7 17,933 0.1 32,960,573 100.0 Average $1,507 $1,956 $1,460

$500,000 and Exposure 6,226.8 23.3 6.0 0.0 26,763.7 100.0 Over Premium 14,486,303 25.9 11,197 0.0 55,828,004 100.0 Average $2,326 $1,866 $2,086

Total Exposure 69,119.8 17.0 2,483.5 0.6 406,340.3 100.0 Premium 82,742,135 18.7 1,598,177 0.4 441,501,274 100.0 Average $1,197 $644 $1,087

2018 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 1,315.3 16.4 90.7 1.1 912.3 11.4 4,354.7 54.3 Under Premium 269,638 8.4 20,753 0.6 270,668 8.4 2,403,672 74.8 Average $205 $229 $297 $552

$50,000 to Exposure 1,046.8 9.1 50.6 0.4 1,010.4 8.8 8,397.2 72.7 $74,999 Premium 405,730 7.4 14,957 0.3 474,843 8.7 4,113,568 75.4 Average $388 $296 $470 $490

$75,000 to Exposure 686.4 4.0 34.3 0.2 1,327.5 7.8 13,913.1 81.9 $99,999 Premium 311,265 3.5 12,419 0.1 689,289 7.7 7,444,903 83.1 Average $453 $363 $519 $535

$100,000 to Exposure 738.0 2.4 32.1 0.1 2,435.9 7.9 26,041.0 84.7 $124,999 Premium 392,535 2.3 12,552 0.1 1,301,282 7.7 14,348,769 85.2 Average $532 $391 $534 $551

$125,000 to Exposure 486.7 0.9 44.6 0.1 3,867.8 7.0 47,238.6 86.0 $149,999 Premium 245,868 0.8 19,942 0.1 2,029,170 6.7 26,326,813 87.1 Average $505 $447 $525 $557

$150,000 to Exposure 624.4 0.6 27.4 0.0 7,306.9 7.1 86,357.5 84.1 $174,999 Premium 394,493 0.7 14,056 0.0 3,990,927 6.7 51,231,038 85.5 Average $632 $513 $546 $593

$175,000 to Exposure 418.3 0.3 18.2 0.0 12,360.5 8.1 124,666.2 81.5 $199,999 Premium 211,951 0.2 10,494 0.0 6,932,491 7.3 79,756,447 83.8 Average $507 $578 $561 $640

$200,000 to Exposure 4,853.4 0.6 109.2 0.0 85,262.8 10.7 628,589.5 79.0 $299,999 Premium 1,912,809 0.3 89,652 0.0 58,078,131 9.0 533,830,390 82.9 Average $394 $821 $681 $849

$300,000 to Exposure 10,014.8 1.4 86.9 0.0 93,416.5 12.8 579,717.3 79.3 $399,999 Premium 3,540,448 0.4 88,639 0.0 93,806,309 10.9 719,727,899 83.8 Average $354 $1,020 $1,004 $1,242

$400,000 to Exposure 6,091.8 1.4 77.7 0.0 61,742.8 13.9 353,343.8 79.7 $499,999 Premium 2,548,864 0.4 88,575 0.0 85,214,865 12.5 568,380,299 83.3 Average $418 $1,140 $1,380 $1,609

$500,000 and Exposure 4,765.6 0.9 60.0 0.0 65,730.6 12.4 401,242.7 75.5 Over Premium 3,074,051 0.2 100,813 0.0 131,267,419 9.4 995,800,536 71.3 Average $645 $1,680 $1,997 $2,482

Total Exposure 31,041.4 1.1 631.5 0.0 335,374.0 11.6 2,273,861.4 79.0 Premium 13,307,652 0.4 472,852 0.0 384,055,394 10.1 3,003,364,334 79.0 Average $429 $749 $1,145 $1,321

2018 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 886.8 11.1 458.0 5.7 8,017.8 100.0 Under Premium 137,903 4.3 109,730 3.4 3,212,364 100.0 Average $156 $240 $401

$50,000 to Exposure 320.5 2.8 717.8 6.2 11,543.2 100.0 $74,999 Premium 111,655 2.0 334,854 6.1 5,455,607 100.0 Average $348 $467 $473

$75,000 to Exposure 359.1 2.1 660.2 3.9 16,980.5 100.0 $99,999 Premium 170,534 1.9 332,182 3.7 8,960,592 100.0 Average $475 $503 $528

$100,000 to Exposure 833.1 2.7 682.8 2.2 30,762.8 100.0 $124,999 Premium 387,915 2.3 390,525 2.3 16,833,578 100.0 Average $466 $572 $547

$125,000 to Exposure 2,970.8 5.4 338.3 0.6 54,946.8 100.0 $149,999 Premium 1,390,482 4.6 213,440 0.7 30,225,715 100.0 Average $468 $631 $550

$150,000 to Exposure 8,084.5 7.9 310.3 0.3 102,711.0 100.0 $174,999 Premium 4,034,395 6.7 220,838 0.4 59,885,747 100.0 Average $499 $712 $583

$175,000 to Exposure 15,276.2 10.0 155.5 0.1 152,894.8 100.0 $199,999 Premium 8,150,046 8.6 121,720 0.1 95,183,149 100.0 Average $534 $783 $623

$200,000 to Exposure 76,795.8 9.6 406.5 0.1 796,017.1 100.0 $299,999 Premium 49,782,861 7.7 407,272 0.1 644,101,115 100.0 Average $648 $1,002 $809

$300,000 to Exposure 48,062.7 6.6 108.8 0.0 731,407.1 100.0 $399,999 Premium 41,684,606 4.9 151,255 0.0 858,999,156 100.0 Average $867 $1,390 $1,174

$400,000 to Exposure 22,135.0 5.0 31.6 0.0 443,422.6 100.0 $499,999 Premium 25,982,214 3.8 66,121 0.0 682,280,938 100.0 Average $1,174 $2,094 $1,539

$500,000 and Exposure 59,543.2 11.2 26.3 0.0 531,368.3 100.0 Over Premium 266,327,090 19.1 61,772 0.0 1,396,631,681 100.0 Average $4,473 $2,353 $2,628

Total Exposure 235,267.6 8.2 3,895.8 0.1 2,880,071.8 100.0 Premium 398,159,701 10.5 2,409,709 0.1 3,801,769,642 100.0 Average $1,692 $619 $1,320

2018 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 42,744.8 92.3 96.5 0.2 3,380.8 7.3 Under Premium 9,507,754 88.3 * 56,093 0.5 1,148,546 10.7 Average $222 $581 $340

$50,000 to Exposure 28,464.9 82.5 2,384.3 6.9 2,943.8 8.5 $74,999 Premium 9,919,182 71.4 * 1,768,623 12.7 1,492,306 10.7 Average $348 $742 $507

$75,000 to Exposure 21,404.6 44.5 10,690.8 22.2 15,226.1 31.7 $99,999 Premium 9,267,765 33.1 * 8,999,287 32.2 8,871,660 31.7 Average $433 $842 $583

$100,000 to Exposure 17,217.1 16.3 17,048.7 16.1 70,106.6 66.2 $124,999 Premium 8,542,293 11.7 * 15,673,739 21.5 47,634,165 65.3 Average $496 $919 $679

$125,000 to Exposure 12,309.4 7.1 13,704.1 7.9 145,847.8 84.2 $149,999 Premium 6,744,529 5.2 * 13,144,917 10.0 109,996,239 84.1 Average $548 $959 $754

$150,000 to Exposure 10,582.7 4.9 8,576.3 4.0 192,874.3 90.2 $174,999 Premium 6,633,646 3.8 * 8,220,099 4.7 157,445,888 90.7 Average $627 $958 $816

$175,000 to Exposure 7,324.3 3.5 5,657.2 2.7 193,467.9 92.9 $199,999 Premium 5,127,304 2.8 * 5,368,409 2.9 171,295,806 93.5 Average $700 $949 $885

$200,000 to Exposure 17,536.8 3.0 10,644.5 1.8 544,781.5 94.0 $299,999 Premium 16,086,879 2.6 * 11,729,535 1.9 583,369,462 94.4 Average $917 $1,102 $1,071

$300,000 to Exposure 6,755.4 2.7 3,318.8 1.3 236,002.6 94.0 $399,999 Premium 9,743,821 3.0 * 4,581,806 1.4 309,733,907 93.9 Average $1,442 $1,381 $1,312

$400,000 to Exposure 3,015.1 2.8 1,419.4 1.3 99,919.8 92.9 $499,999 Premium 6,016,306 3.6 * 2,302,046 1.4 154,192,805 92.4 Average $1,995 $1,622 $1,543

$500,000 and Exposure 3,092.5 2.5 1,386.9 1.1 112,326.2 89.4 Over Premium 8,857,290 3.2 * 3,051,997 1.1 238,676,561 87.4 Average $2,864 $2,201 $2,125

Total Exposure 170,447.4 9.0 74,927.5 4.0 1,616,877.4 85.4 Premium 96,446,769 4.8 * 74,896,550 3.7 1,783,857,346 89.2 Average $566 $1,000 $1,103

2018 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 107.6 0.2 46,329.7 100.0 Under Premium * 52,994 0.5 10,765,387 100.0 Average $493 $232

$50,000 to Exposure 1.0 0.0 725.8 2.1 34,519.9 100.0 $74,999 Premium 529 0.0 710,217 5.1 13,890,857 100.0 Average $529 $978 $402

$75,000 to Exposure 22.7 0.0 713.1 1.5 48,057.2 100.0 $99,999 Premium 8,549 0.0 811,010 2.9 27,958,271 100.0 Average $377 $1,137 $582

$100,000 to Exposure 147.3 0.1 1,307.9 1.2 105,827.6 100.0 $124,999 Premium 82,450 0.1 965,613 1.3 72,898,260 100.0 Average $560 $738 $689

$125,000 to Exposure 505.8 0.3 877.5 0.5 173,244.6 100.0 $149,999 Premium 319,595 0.2 657,298 0.5 130,862,578 100.0 Average $632 $749 $755

$150,000 to Exposure 1,066.8 0.5 785.0 0.4 213,885.1 100.0 $174,999 Premium 722,452 0.4 642,998 0.4 173,665,083 100.0 Average $677 $819 $812

$175,000 to Exposure 1,375.8 0.7 521.3 0.3 208,346.5 100.0 $199,999 Premium 976,050 0.5 481,642 0.3 183,249,211 100.0 Average $709 $924 $880

$200,000 to Exposure 6,165.7 1.1 663.5 0.1 579,791.9 100.0 $299,999 Premium 5,765,338 0.9 733,614 0.1 617,684,827 100.0 Average $935 $1,106 $1,065

$300,000 to Exposure 4,826.8 1.9 147.0 0.1 251,050.6 100.0 $399,999 Premium 5,518,904 1.7 219,385 0.1 329,797,823 100.0 Average $1,143 $1,492 $1,314

$400,000 to Exposure 3,190.4 3.0 34.3 0.0 107,579.1 100.0 $499,999 Premium 4,286,234 2.6 52,853 0.0 166,850,243 100.0 Average $1,343 $1,539 $1,551

$500,000 and Exposure 8,876.8 7.1 27.2 0.0 125,709.5 100.0 Over Premium 22,512,890 8.2 69,307 0.0 273,168,045 100.0 Average $2,536 $2,551 $2,173

Total Exposure 26,179.0 1.4 5,910.3 0.3 1,894,341.6 100.0 Premium 40,192,991 2.0 5,396,931 0.3 2,000,790,587 100.0 Average $1,535 $913 $1,056

2018 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 98.9 11.1 283.3 31.8 39.3 4.4 424.7 47.7 Under Premium 32,132 9.9 15,230 4.7 21,189 6.5 243,672 74.8 Average $325 $54 $540 $574

$50,000 to Exposure 100.3 12.8 16.9 2.2 64.6 8.2 549.1 70.1 $74,999 Premium 46,549 9.0 8,766 1.7 38,682 7.5 400,400 77.1 Average $464 $518 $599 $729

$75,000 to Exposure 98.8 5.9 10.7 0.6 237.5 14.3 1,241.2 74.8 $99,999 Premium 54,943 4.2 5,261 0.4 179,434 13.8 1,008,093 77.8 Average $556 $493 $756 $812

$100,000 to Exposure 71.4 1.7 8.4 0.2 492.1 11.9 3,416.3 82.3 $124,999 Premium 53,206 1.5 6,356 0.2 385,999 10.7 3,015,661 83.4 Average $745 $755 $784 $883

$125,000 to Exposure 59.0 0.8 9.0 0.1 782.1 10.3 6,259.5 82.5 $149,999 Premium 48,663 0.7 4,616 0.1 672,058 9.1 6,119,345 83.3 Average $825 $513 $859 $978

$150,000 to Exposure 68.8 0.6 7.6 0.1 1,078.3 9.5 8,891.1 78.5 $174,999 Premium 56,977 0.5 2,809 0.0 1,001,566 8.6 9,139,728 78.6 Average $828 $370 $929 $1,028

$175,000 to Exposure 51.8 0.4 11.0 0.1 1,242.2 9.9 9,358.7 74.4 $199,999 Premium 32,702 0.2 5,622 0.0 1,248,643 9.0 10,359,515 74.8 Average $632 $511 $1,005 $1,107

$200,000 to Exposure 159.6 0.4 26.3 0.1 2,678.0 6.8 28,949.0 73.0 $299,999 Premium 96,638 0.2 11,586 0.0 3,154,420 6.3 36,278,589 72.5 Average $606 $441 $1,178 $1,253

$300,000 to Exposure 65.8 0.4 1.0 0.0 388.1 2.2 13,341.7 76.4 $399,999 Premium 48,206 0.2 845 0.0 629,591 2.3 20,201,919 74.7 Average $733 $845 $1,622 $1,514

$400,000 to Exposure 19.8 0.3 3.0 0.0 82.1 1.3 4,724.1 75.0 $499,999 Premium 20,311 0.2 2,384 0.0 153,315 1.3 8,569,518 73.3 Average $1,024 $795 $1,868 $1,814

$500,000 and Exposure 9.2 0.2 3.0 0.1 36.2 0.8 3,488.8 73.0 Over Premium 10,680 0.1 2,710 0.0 86,749 0.7 8,952,731 71.2 Average $1,165 $903 $2,399 $2,566

Total Exposure 803.3 0.7 380.1 0.4 7,120.3 6.6 80,644.0 75.3 Premium 501,007 0.4 66,185 0.0 7,571,646 5.4 104,289,171 74.5 Average $624 $174 $1,063 $1,293

2018 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 5.9 0.7 37.9 4.3 889.9 100.0 Under Premium 644 0.2 12,808 3.9 325,675 100.0 Average $109 $338 $366

$50,000 to Exposure 52.8 6.7 783.8 100.0 $74,999 Premium * 24,808 4.8 519,205 100.0 Average $470 $662

$75,000 to Exposure 17.6 1.1 54.3 3.3 1,659.9 100.0 $99,999 Premium 12,409 1.0 35,956 2.8 1,296,096 100.0 Average $706 $663 $781

$100,000 to Exposure 117.6 2.8 46.2 1.1 4,152.0 100.0 $124,999 Premium 119,867 3.3 36,491 1.0 3,617,580 100.0 Average $1,019 $790 $871

$125,000 to Exposure 451.7 6.0 29.5 0.4 7,590.8 100.0 $149,999 Premium 478,776 6.5 25,219 0.3 7,348,677 100.0 Average $1,060 $855 $968

$150,000 to Exposure 1,252.5 11.1 22.8 0.2 11,321.0 100.0 $174,999 Premium 1,401,719 12.1 22,440 0.2 11,625,239 100.0 Average $1,119 $986 $1,027

$175,000 to Exposure 1,904.3 15.1 12.6 0.1 12,580.4 100.0 $199,999 Premium 2,193,856 15.8 13,234 0.1 13,853,572 100.0 Average $1,152 $1,052 $1,101

$200,000 to Exposure 7,796.2 19.7 24.7 0.1 39,633.7 100.0 $299,999 Premium 10,476,515 20.9 28,901 0.1 50,046,649 100.0 Average $1,344 $1,172 $1,263

$300,000 to Exposure 3,657.0 20.9 4.2 0.0 17,457.7 100.0 $399,999 Premium 6,156,147 22.8 6,037 0.0 27,042,745 100.0 Average $1,683 $1,449 $1,549

$400,000 to Exposure 1,472.5 23.4 1.0 0.0 6,302.5 100.0 $499,999 Premium 2,944,205 25.2 1,790 0.0 11,691,523 100.0 Average $1,999 $1,790 $1,855

$500,000 and Exposure 1,242.6 26.0 4,779.7 100.0 Over Premium 3,526,908 28.0 * 12,579,778 100.0 Average $2,838 $2,632

Total Exposure 17,917.8 16.7 285.8 0.3 107,151.3 100.0 Premium 27,311,046 19.5 207,684 0.1 139,946,739 100.0 Average $1,524 $727 $1,306

2018 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 6,075.2 53.5 192.6 1.7 578.3 5.1 2,569.4 22.6 Under Premium 3,536,668 60.7 62,142 1.1 263,929 4.5 1,214,401 20.8 Average $582 $323 $456 $473

$50,000 to Exposure 4,004.1 21.7 812.1 4.4 1,892.3 10.2 9,274.8 50.2 $74,999 Premium 2,544,739 24.6 244,463 2.4 915,271 8.8 5,011,989 48.4 Average $636 $301 $484 $540

$75,000 to Exposure 2,494.9 6.6 1,266.6 3.3 3,148.3 8.3 27,841.3 73.1 $99,999 Premium 2,042,658 8.9 383,484 1.7 1,634,169 7.2 16,465,669 72.1 Average $819 $303 $519 $591

$100,000 to Exposure 2,433.8 2.2 1,551.2 1.4 6,952.3 6.2 91,254.4 81.2 $124,999 Premium 2,600,497 3.6 484,771 0.7 3,860,560 5.4 57,667,893 80.8 Average $1,069 $313 $555 $632

$125,000 to Exposure 2,073.5 0.9 1,112.3 0.5 12,902.1 5.8 180,853.1 81.7 $149,999 Premium 1,767,890 1.2 402,409 0.3 7,478,289 5.0 122,117,956 82.3 Average $853 $362 $580 $675

$150,000 to Exposure 2,274.5 0.7 1,253.0 0.4 23,615.4 7.4 250,600.8 78.6 $174,999 Premium 2,121,398 0.9 485,193 0.2 14,169,808 6.2 180,670,738 79.7 Average $933 $387 $600 $721

$175,000 to Exposure 1,753.8 0.5 783.8 0.2 28,938.8 8.4 263,788.6 76.4 $199,999 Premium 1,653,221 0.6 328,949 0.1 18,069,851 6.9 202,371,659 77.8 Average $943 $420 $624 $767

$200,000 to Exposure 2,833.8 0.3 1,586.1 0.2 95,839.0 9.2 759,892.3 73.3 $299,999 Premium 3,843,727 0.4 725,291 0.1 65,759,754 7.5 654,204,339 74.6 Average $1,356 $457 $686 $861

$300,000 to Exposure 970.9 0.2 405.8 0.1 35,288.6 8.5 294,309.3 70.9 $399,999 Premium 1,518,640 0.4 217,972 0.1 28,523,702 6.8 299,780,184 71.6 Average $1,564 $537 $808 $1,019

$400,000 to Exposure 300.5 0.2 88.2 0.1 10,252.6 7.1 100,018.7 69.7 $499,999 Premium 444,111 0.3 69,383 0.0 10,016,266 5.8 120,226,608 69.7 Average $1,478 $787 $977 $1,202

$500,000 and Exposure 273.3 0.2 43.9 0.0 9,270.8 6.5 87,162.1 61.3 Over Premium 518,233 0.2 36,716 0.0 12,286,077 4.9 146,992,864 58.1 Average $1,897 $836 $1,325 $1,686

Total Exposure 25,488.1 0.9 9,095.4 0.3 228,678.3 8.2 2,067,564.8 73.8 Premium 22,591,782 0.9 3,440,773 0.1 162,977,676 6.6 1,806,724,300 73.3 Average $886 $378 $713 $874

2018 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 412.3 3.6 1,527.6 13.5 11,355.3 100.0 Under Premium 127,117 2.2 621,063 10.7 5,825,320 100.0 Average $308 $407 $513

$50,000 to Exposure 651.3 3.5 1,835.8 9.9 18,470.3 100.0 $74,999 Premium 401,381 3.9 1,233,635 11.9 10,351,478 100.0 Average $616 $672 $560

$75,000 to Exposure 2,349.4 6.2 965.9 2.5 38,066.4 100.0 $99,999 Premium 1,486,923 6.5 813,215 3.6 22,826,118 100.0 Average $633 $842 $600

$100,000 to Exposure 9,566.8 8.5 619.3 0.6 112,377.7 100.0 $124,999 Premium 6,217,312 8.7 577,632 0.8 71,408,665 100.0 Average $650 $933 $635

$125,000 to Exposure 24,085.8 10.9 327.3 0.1 221,354.0 100.0 $149,999 Premium 16,260,731 11.0 303,618 0.2 148,330,893 100.0 Average $675 $928 $670

$150,000 to Exposure 40,581.8 12.7 458.3 0.1 318,783.8 100.0 $174,999 Premium 28,927,321 12.8 420,082 0.2 226,794,540 100.0 Average $713 $917 $711

$175,000 to Exposure 49,531.6 14.3 552.6 0.2 345,349.1 100.0 $199,999 Premium 37,292,022 14.3 467,369 0.2 260,183,071 100.0 Average $753 $846 $753

$200,000 to Exposure 175,000.4 16.9 1,173.4 0.1 1,036,325.0 100.0 $299,999 Premium 150,735,728 17.2 1,144,715 0.1 876,413,554 100.0 Average $861 $976 $846

$300,000 to Exposure 83,896.8 20.2 227.8 0.1 415,099.1 100.0 $399,999 Premium 88,192,884 21.1 278,667 0.1 418,512,049 100.0 Average $1,051 $1,224 $1,008

$400,000 to Exposure 32,835.2 22.9 100.7 0.1 143,595.8 100.0 $499,999 Premium 41,579,482 24.1 133,130 0.1 172,468,980 100.0 Average $1,266 $1,322 $1,201

$500,000 and Exposure 45,442.0 31.9 52.5 0.0 142,244.5 100.0 Over Premium 92,983,748 36.8 130,813 0.1 252,948,451 100.0 Average $2,046 $2,492 $1,778

Total Exposure 464,353.3 16.6 7,840.9 0.3 2,803,020.9 100.0 Premium 464,204,649 18.8 6,123,939 0.2 2,466,063,119 100.0 Average $1,000 $781 $880

2018 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 6,019.1 17.6 2,543.7 7.4 6,140.9 17.9 1,972.9 5.8 Under Premium 1,968,692 22.3 548,609 6.2 1,590,297 18.0 1,580,285 17.9 Average $327 $216 $259 $801

$50,000 to Exposure 7,991.3 25.4 809.8 2.6 5,739.6 18.2 7,334.3 23.3 $74,999 Premium 2,621,015 13.1 442,502 2.2 3,910,434 19.5 7,068,725 35.2 Average $328 $546 $681 $964

$75,000 to Exposure 4,518.0 10.9 271.8 0.7 7,528.3 18.2 21,835.2 52.8 $99,999 Premium 2,280,781 5.5 215,659 0.5 6,456,000 15.7 24,772,821 60.2 Average $505 $793 $858 $1,135

$100,000 to Exposure 2,871.5 4.6 128.0 0.2 7,573.1 12.1 43,055.3 68.6 $124,999 Premium 1,879,479 2.3 121,474 0.2 8,488,497 10.5 57,282,565 70.9 Average $655 $949 $1,121 $1,330

$125,000 to Exposure 1,576.4 2.0 53.3 0.1 8,130.5 10.1 57,895.3 71.7 $149,999 Premium 1,161,091 1.0 63,603 0.1 11,112,285 9.2 86,424,715 71.5 Average $737 $1,193 $1,367 $1,493

$150,000 to Exposure 1,184.9 1.2 49.2 0.1 9,464.1 9.7 67,933.9 69.7 $174,999 Premium 1,098,027 0.7 58,060 0.0 14,431,029 9.0 110,532,822 69.0 Average $927 $1,181 $1,525 $1,627

$175,000 to Exposure 689.2 0.7 14.6 0.0 8,776.7 9.1 66,000.1 68.8 $199,999 Premium 622,161 0.4 22,344 0.0 15,146,173 8.7 117,495,582 67.7 Average $903 $1,532 $1,726 $1,780

$200,000 to Exposure 1,535.5 0.7 25.7 0.0 18,413.5 7.8 164,785.0 69.9 $299,999 Premium 1,317,182 0.3 37,459 0.0 36,293,241 7.4 335,486,308 68.2 Average $858 $1,459 $1,971 $2,036

$300,000 to Exposure 333.5 0.4 7.9 0.0 4,714.3 6.2 55,647.9 72.7 $399,999 Premium 414,189 0.2 13,594 0.0 11,054,825 5.7 136,125,149 70.4 Average $1,242 $1,717 $2,345 $2,446

$400,000 to Exposure 89.8 0.3 2.0 0.0 1,924.6 6.9 20,446.3 73.6 $499,999 Premium 158,617 0.2 4,283 0.0 5,126,729 6.1 59,837,180 71.4 Average $1,767 $2,142 $2,664 $2,927

$500,000 and Exposure 59.2 0.2 1,562.8 5.6 20,404.8 73.0 Over Premium 165,291 0.1 * 5,423,746 4.4 88,227,579 70.8 Average $2,794 $3,470 $4,324

Total Exposure 26,868.3 3.3 3,905.9 0.5 79,968.4 9.8 527,311.0 64.9 Premium 13,686,525 0.9 1,527,587 0.1 119,033,256 7.9 1,024,833,731 68.4 Average $509 $391 $1,489 $1,944

2018 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 49.1 0.1 17,544.5 51.2 34,270.2 100.0 Under Premium 42,190 0.5 3,101,094 35.1 8,831,167 100.0 Average $860 $177 $258

$50,000 to Exposure 192.4 0.6 9,434.0 29.9 31,501.4 100.0 $74,999 Premium 246,890 1.2 5,776,024 28.8 20,065,590 100.0 Average $1,283 $612 $637

$75,000 to Exposure 1,223.5 3.0 5,997.2 14.5 41,374.0 100.0 $99,999 Premium 1,778,261 4.3 5,662,447 13.8 41,165,969 100.0 Average $1,453 $944 $995

$100,000 to Exposure 5,390.5 8.6 3,769.7 6.0 62,788.1 100.0 $124,999 Premium 8,673,895 10.7 4,373,825 5.4 80,819,735 100.0 Average $1,609 $1,160 $1,287

$125,000 to Exposure 11,128.6 13.8 1,997.8 2.5 80,782.0 100.0 $149,999 Premium 19,460,447 16.1 2,625,631 2.2 120,847,772 100.0 Average $1,749 $1,314 $1,496

$150,000 to Exposure 17,596.5 18.1 1,217.9 1.2 97,446.5 100.0 $174,999 Premium 32,199,273 20.1 1,844,067 1.2 160,163,278 100.0 Average $1,830 $1,514 $1,644

$175,000 to Exposure 19,975.2 20.8 542.1 0.6 95,997.8 100.0 $199,999 Premium 39,309,413 22.6 963,727 0.6 173,559,400 100.0 Average $1,968 $1,778 $1,808

$200,000 to Exposure 50,093.4 21.3 775.6 0.3 235,628.7 100.0 $299,999 Premium 117,623,713 23.9 1,367,021 0.3 492,124,924 100.0 Average $2,348 $1,763 $2,089

$300,000 to Exposure 15,636.2 20.4 172.4 0.2 76,512.3 100.0 $399,999 Premium 45,531,464 23.5 297,123 0.2 193,436,344 100.0 Average $2,912 $1,723 $2,528

$400,000 to Exposure 5,297.8 19.1 38.5 0.1 27,798.9 100.0 $499,999 Premium 18,626,475 22.2 71,982 0.1 83,825,266 100.0 Average $3,516 $1,870 $3,015

$500,000 and Exposure 5,901.6 21.1 35.3 0.1 27,963.6 100.0 Over Premium 30,672,058 24.6 62,383 0.1 124,551,057 100.0 Average $5,197 $1,770 $4,454

Total Exposure 132,484.8 16.3 41,524.9 5.1 812,063.3 100.0 Premium 314,164,079 21.0 26,145,324 1.7 1,499,390,502 100.0 Average $2,371 $630 $1,846

2018 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 210.8 38.5 5.1 0.9 70.7 12.9 Under Premium 79,440 50.9 * 2,380 1.5 28,116 18.0 Average $377 $468 $398

$50,000 to Exposure 265.6 29.0 10.1 1.1 416.4 45.5 $74,999 Premium 119,554 33.4 * 5,263 1.5 140,321 39.2 Average $450 $522 $337

$75,000 to Exposure 229.0 8.0 39.2 1.4 2,325.3 81.2 $99,999 Premium 128,656 10.8 * 18,921 1.6 906,174 75.7 Average $562 $483 $390

$100,000 to Exposure 489.2 4.2 245.7 2.1 9,780.5 83.7 $124,999 Premium 296,692 5.5 * 111,965 2.1 4,400,795 81.4 Average $607 $456 $450

$125,000 to Exposure 343.6 1.1 1.0 0.0 840.3 2.8 25,182.9 82.5 $149,999 Premium 227,261 1.5 348 0.0 395,729 2.6 12,535,602 81.8 Average $661 $348 $471 $498

$150,000 to Exposure 472.5 0.8 1.0 0.0 2,055.8 3.6 45,248.7 79.4 $174,999 Premium 338,751 1.1 539 0.0 983,725 3.2 24,024,045 78.8 Average $717 $539 $479 $531

$175,000 to Exposure 519.2 0.6 3,851.3 4.8 61,878.4 76.5 $199,999 Premium 369,048 0.8 * 1,948,187 4.3 34,705,000 76.0 Average $711 $506 $561

$200,000 to Exposure 1,592.4 0.5 2.0 0.0 20,911.9 6.1 248,805.0 72.1 $299,999 Premium 1,145,431 0.5 867 0.0 11,344,429 5.2 157,490,337 71.6 Average $719 $434 $542 $633

$300,000 to Exposure 717.6 0.4 3.0 0.0 11,733.3 6.3 125,801.3 68.0 $399,999 Premium 692,294 0.5 1,300 0.0 7,330,357 5.2 95,154,009 67.4 Average $965 $433 $625 $756

$400,000 to Exposure 232.2 0.3 4,636.3 5.9 52,011.5 66.7 $499,999 Premium 303,914 0.4 * 3,408,381 4.8 46,566,364 65.3 Average $1,309 $735 $895

$500,000 and Exposure 224.7 0.3 1.0 0.0 4,543.8 5.9 48,261.7 62.5 Over Premium 351,044 0.3 421 0.0 4,912,776 4.7 61,542,678 58.9 Average $1,563 $421 $1,081 $1,275

Total Exposure 5,296.7 0.6 8.0 0.0 48,872.6 5.6 619,782.3 71.3 Premium 4,052,085 0.6 3,475 0.0 30,462,113 4.8 437,493,441 68.9 Average $765 $434 $623 $706

2018 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 52.9 9.7 207.7 38.0 547.2 100.0 Under Premium 6,727 4.3 39,271 25.2 155,934 100.0 Average $127 $189 $285

$50,000 to Exposure 20.3 2.2 202.4 22.1 914.8 100.0 $74,999 Premium 7,597 2.1 84,956 23.8 357,691 100.0 Average $375 $420 $391

$75,000 to Exposure 126.8 4.4 142.0 5.0 2,862.3 100.0 $99,999 Premium 55,676 4.7 87,360 7.3 1,196,787 100.0 Average $439 $615 $418

$100,000 to Exposure 1,098.5 9.4 78.3 0.7 11,692.2 100.0 $124,999 Premium 532,897 9.9 61,264 1.1 5,403,613 100.0 Average $485 $782 $462

$125,000 to Exposure 4,087.1 13.4 51.5 0.2 30,506.3 100.0 $149,999 Premium 2,116,888 13.8 46,029 0.3 15,321,857 100.0 Average $518 $894 $502

$150,000 to Exposure 9,163.8 16.1 49.8 0.1 56,991.5 100.0 $174,999 Premium 5,099,233 16.7 56,137 0.2 30,502,430 100.0 Average $556 $1,128 $535

$175,000 to Exposure 14,630.3 18.1 24.3 0.0 80,903.5 100.0 $199,999 Premium 8,635,999 18.9 33,024 0.1 45,691,258 100.0 Average $590 $1,357 $565

$200,000 to Exposure 73,534.5 21.3 51.7 0.0 344,897.5 100.0 $299,999 Premium 49,755,098 22.6 71,114 0.0 219,807,276 100.0 Average $677 $1,376 $637

$300,000 to Exposure 46,661.6 25.2 12.3 0.0 184,929.2 100.0 $399,999 Premium 38,014,599 26.9 25,908 0.0 141,218,467 100.0 Average $815 $2,101 $764

$400,000 to Exposure 21,147.3 27.1 2.0 0.0 78,029.2 100.0 $499,999 Premium 21,023,842 29.5 4,023 0.0 71,306,524 100.0 Average $994 $2,012 $914

$500,000 and Exposure 24,195.2 31.3 77,226.3 100.0 Over Premium 37,635,009 36.0 * 104,441,928 100.0 Average $1,555 $1,352

Total Exposure 194,718.3 22.4 822.0 0.1 869,499.8 100.0 Premium 162,883,565 25.6 509,086 0.1 635,403,765 100.0 Average $837 $619 $731

2018 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 3,238.5 28.5 994.6 8.7 1,003.4 8.8 4,146.3 36.5 Under Premium 1,102,124 28.3 232,012 6.0 303,251 7.8 1,557,277 40.0 Average $340 $233 $302 $376

$50,000 to Exposure 3,563.6 20.1 443.0 2.5 1,182.5 6.7 8,349.2 47.1 $74,999 Premium 1,930,258 20.2 127,102 1.3 487,478 5.1 5,004,265 52.3 Average $542 $287 $412 $599

$75,000 to Exposure 2,708.0 11.2 394.8 1.6 1,624.5 6.7 14,604.0 60.5 $99,999 Premium 1,658,465 12.3 123,472 0.9 801,222 6.0 8,425,286 62.7 Average $612 $313 $493 $577

$100,000 to Exposure 3,501.9 6.6 529.3 1.0 3,358.0 6.3 38,768.0 73.3 $124,999 Premium 2,394,107 7.7 193,247 0.6 1,969,088 6.4 22,961,701 74.1 Average $684 $365 $586 $592

$125,000 to Exposure 1,763.4 1.5 448.5 0.4 6,001.1 5.1 93,230.8 79.7 $149,999 Premium 1,193,613 1.7 178,103 0.3 3,504,134 5.0 57,972,413 82.0 Average $677 $397 $584 $622

$150,000 to Exposure 2,452.8 1.1 463.8 0.2 12,183.7 5.2 181,261.8 77.7 $174,999 Premium 1,769,850 1.2 205,124 0.1 7,628,910 5.0 122,937,190 80.6 Average $722 $442 $626 $678

$175,000 to Exposure 1,374.4 0.4 351.6 0.1 19,479.9 6.0 246,055.4 75.3 $199,999 Premium 923,735 0.4 165,133 0.1 12,823,205 5.6 179,464,863 78.7 Average $672 $470 $658 $729

$200,000 to Exposure 3,422.8 0.3 807.4 0.1 91,951.8 7.5 862,928.5 70.3 $299,999 Premium 2,571,638 0.3 435,257 0.0 70,798,957 7.2 727,635,101 73.8 Average $751 $539 $770 $843

$300,000 to Exposure 1,071.8 0.2 257.0 0.0 45,710.6 7.8 398,848.1 67.9 $399,999 Premium 908,575 0.2 161,966 0.0 41,714,486 7.2 411,665,167 71.1 Average $848 $630 $913 $1,032

$400,000 to Exposure 386.6 0.2 75.5 0.0 18,627.7 7.8 163,310.5 68.0 $499,999 Premium 393,583 0.1 59,745 0.0 20,015,457 6.9 205,385,745 71.1 Average $1,018 $791 $1,075 $1,258

$500,000 and Exposure 337.0 0.1 55.6 0.0 20,387.3 8.1 164,175.4 65.1 Over Premium 391,927 0.1 66,296 0.0 30,767,152 6.5 309,343,491 65.6 Average $1,163 $1,193 $1,509 $1,884

Total Exposure 23,820.9 0.8 4,821.0 0.2 221,510.3 7.2 2,175,678.0 70.4 Premium 15,237,875 0.5 1,947,457 0.1 190,813,340 6.7 2,052,352,499 72.4 Average $640 $404 $861 $943

2018 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 719.9 6.3 1,272.0 11.2 11,374.8 100.0 Under Premium 238,448 6.1 462,814 11.9 3,895,926 100.0 Average $331 $364 $343

$50,000 to Exposure 2,327.0 13.1 1,847.9 10.4 17,713.2 100.0 $74,999 Premium 939,574 9.8 1,079,299 11.3 9,567,976 100.0 Average $404 $584 $540

$75,000 to Exposure 3,490.6 14.5 1,299.3 5.4 24,121.1 100.0 $99,999 Premium 1,586,571 11.8 841,906 6.3 13,436,922 100.0 Average $455 $648 $557

$100,000 to Exposure 5,797.5 11.0 952.4 1.8 52,907.2 100.0 $124,999 Premium 2,803,246 9.1 646,844 2.1 30,968,233 100.0 Average $484 $679 $585

$125,000 to Exposure 15,080.5 12.9 434.9 0.4 116,959.2 100.0 $149,999 Premium 7,473,692 10.6 390,895 0.6 70,712,850 100.0 Average $496 $899 $605

$150,000 to Exposure 36,382.9 15.6 422.3 0.2 233,167.3 100.0 $174,999 Premium 19,657,677 12.9 404,032 0.3 152,602,783 100.0 Average $540 $957 $654

$175,000 to Exposure 59,092.8 18.1 267.9 0.1 326,622.1 100.0 $199,999 Premium 34,505,156 15.1 270,905 0.1 228,152,997 100.0 Average $584 $1,011 $699

$200,000 to Exposure 268,345.5 21.9 528.2 0.0 1,227,984.2 100.0 $299,999 Premium 183,916,183 18.7 601,669 0.1 985,958,805 100.0 Average $685 $1,139 $803

$300,000 to Exposure 141,773.8 24.1 132.6 0.0 587,793.8 100.0 $399,999 Premium 124,207,253 21.5 203,165 0.0 578,860,612 100.0 Average $876 $1,532 $985

$400,000 to Exposure 57,593.0 24.0 36.3 0.0 240,029.6 100.0 $499,999 Premium 62,928,706 21.8 70,680 0.0 288,853,916 100.0 Average $1,093 $1,945 $1,203

$500,000 and Exposure 67,302.9 26.7 24.5 0.0 252,282.7 100.0 Over Premium 131,224,976 27.8 64,323 0.0 471,858,165 100.0 Average $1,950 $2,625 $1,870

Total Exposure 657,906.4 21.3 7,218.3 0.2 3,090,955.0 100.0 Premium 569,481,482 20.1 5,036,532 0.2 2,834,869,185 100.0 Average $866 $698 $917

2018 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 82.4 76.8 4.0 3.7 10.2 9.5 Under Premium 50,845 25.0 * 1,828 0.9 141,377 69.5 Average $617 $457 $13,906

$50,000 to Exposure 47.3 28.9 7.2 4.4 99.0 60.6 $74,999 Premium 24,588 24.6 * 4,125 4.1 67,531 67.6 Average $520 $576 $682

$75,000 to Exposure 68.1 11.5 49.5 8.4 443.4 75.1 $99,999 Premium 41,766 9.9 * 30,369 7.2 341,794 80.7 Average $613 $614 $771

$100,000 to Exposure 129.0 10.0 3.0 0.2 151.6 11.7 905.2 69.9 $124,999 Premium 91,865 8.6 980 0.1 122,429 11.4 785,992 73.3 Average $712 $327 $808 $868

$125,000 to Exposure 176.3 7.3 2.0 0.1 258.9 10.7 1,899.8 78.7 $149,999 Premium 114,655 5.3 365 0.0 222,781 10.3 1,756,926 81.2 Average $651 $183 $860 $925

$150,000 to Exposure 353.5 5.1 706.3 10.3 5,512.2 80.2 $174,999 Premium 238,193 3.7 * 631,151 9.7 5,341,137 82.1 Average $674 $894 $969

$175,000 to Exposure 385.2 3.0 4.4 0.0 1,544.0 12.2 10,392.4 82.2 $199,999 Premium 240,746 1.9 602 0.0 1,343,322 10.6 10,805,944 85.0 Average $625 $136 $870 $1,040

$200,000 to Exposure 1,529.9 1.7 26.0 0.0 13,524.4 14.9 71,537.3 78.8 $299,999 Premium 1,151,467 1.0 13,975 0.0 14,193,600 12.9 89,716,806 81.7 Average $753 $538 $1,049 $1,254

$300,000 to Exposure 744.4 1.2 9.0 0.0 8,421.5 13.4 48,709.0 77.6 $399,999 Premium 584,575 0.6 3,017 0.0 11,454,942 11.8 78,464,854 80.9 Average $785 $335 $1,360 $1,611

$400,000 to Exposure 292.3 1.0 2.0 0.0 3,410.5 11.2 23,276.6 76.5 $499,999 Premium 268,603 0.5 1,744 0.0 5,869,429 10.1 46,469,480 80.2 Average $919 $872 $1,721 $1,996

$500,000 and Exposure 215.8 0.7 1.0 0.0 2,288.9 7.2 22,519.7 71.1 Over Premium 260,998 0.3 1,625 0.0 5,589,324 5.9 68,121,411 71.4 Average $1,210 $1,625 $2,442 $3,025

Total Exposure 4,024.0 1.7 52.4 0.0 30,366.8 12.7 185,304.7 77.3 Premium 3,068,301 0.8 22,210 0.0 39,463,300 10.3 302,013,252 78.8 Average $763 $424 $1,300 $1,630

2018 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 6.0 5.6 4.7 4.4 107.3 100.0 Under Premium 7,648 3.8 1,643 0.8 203,341 100.0 Average $1,275 $352 $1,896

$50,000 to Exposure 2.0 1.2 8.0 4.9 163.4 100.0 $74,999 Premium 1,038 1.0 2,686 2.7 99,968 100.0 Average $519 $336 $612

$75,000 to Exposure 29.5 5.0 590.1 100.0 $99,999 Premium * 9,694 2.3 423,441 100.0 Average $329 $718

$100,000 to Exposure 2.0 0.2 103.6 8.0 1,294.3 100.0 $124,999 Premium 1,502 0.1 69,667 6.5 1,072,435 100.0 Average $751 $673 $829

$125,000 to Exposure 5.8 0.2 71.0 2.9 2,413.7 100.0 $149,999 Premium 4,708 0.2 63,625 2.9 2,163,060 100.0 Average $819 $896 $896

$150,000 to Exposure 91.5 1.3 200.7 2.9 6,869.2 100.0 $174,999 Premium 82,618 1.3 211,243 3.2 6,504,244 100.0 Average $903 $1,053 $947

$175,000 to Exposure 194.2 1.5 117.8 0.9 12,637.9 100.0 $199,999 Premium 188,195 1.5 134,430 1.1 12,713,239 100.0 Average $969 $1,142 $1,006

$200,000 to Exposure 3,792.3 4.2 331.6 0.4 90,741.6 100.0 $299,999 Premium 4,291,230 3.9 448,520 0.4 109,815,598 100.0 Average $1,132 $1,353 $1,210

$300,000 to Exposure 4,785.0 7.6 61.3 0.1 62,730.2 100.0 $399,999 Premium 6,384,756 6.6 114,690 0.1 97,006,834 100.0 Average $1,334 $1,872 $1,546

$400,000 to Exposure 3,405.6 11.2 20.8 0.1 30,407.8 100.0 $499,999 Premium 5,270,351 9.1 41,982 0.1 57,921,589 100.0 Average $1,548 $2,015 $1,905

$500,000 and Exposure 6,620.3 20.9 13.0 0.0 31,658.6 100.0 Over Premium 21,435,318 22.5 33,897 0.0 95,442,573 100.0 Average $3,238 $2,607 $3,015

Total Exposure 18,904.2 7.9 961.8 0.4 239,613.9 100.0 Premium 37,667,182 9.8 1,132,077 0.3 383,366,322 100.0 Average $1,993 $1,177 $1,600

2018 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 4,934.6 50.1 1.5 0.0 112.6 1.1 3,771.8 38.3 Under Premium 1,155,841 53.5 397 0.0 60,151 2.8 550,346 25.5 Average $234 $265 $534 $146

$50,000 to Exposure 2,706.8 41.8 326.2 5.0 1,853.8 28.6 $74,999 Premium 990,990 29.5 * 204,359 6.1 1,158,830 34.5 Average $366 $627 $625

$75,000 to Exposure 1,929.5 11.1 808.2 4.6 12,951.6 74.3 $99,999 Premium 897,253 7.7 * 573,805 4.9 8,813,200 75.7 Average $465 $710 $680

$100,000 to Exposure 2,037.7 3.6 3,283.0 5.8 48,398.7 86.2 $124,999 Premium 1,042,516 2.4 * 2,467,399 5.8 37,382,637 87.3 Average $512 $752 $772

$125,000 to Exposure 1,587.4 1.6 3.0 0.0 6,861.2 6.8 88,382.4 88.1 $149,999 Premium 789,520 0.9 2,938 0.0 5,473,293 6.4 76,676,998 89.3 Average $497 $979 $798 $868

$150,000 to Exposure 1,450.4 1.2 0.3 0.0 8,871.8 7.1 109,648.1 88.0 $174,999 Premium 725,523 0.6 175 0.0 7,541,261 6.4 104,910,312 89.4 Average $500 $525 $850 $957

$175,000 to Exposure 1,188.3 1.0 0.8 0.0 8,963.3 7.4 105,970.3 87.7 $199,999 Premium 545,236 0.4 291 0.0 8,200,517 6.6 111,431,366 89.4 Average $459 $349 $915 $1,052

$200,000 to Exposure 2,528.6 0.7 23,772.1 7.0 295,381.7 87.0 $299,999 Premium 1,300,156 0.3 * 24,412,039 5.9 365,967,360 89.1 Average $514 $1,027 $1,239

$300,000 to Exposure 830.2 0.6 4.0 0.0 8,550.1 5.9 126,040.0 87.3 $399,999 Premium 512,234 0.2 2,638 0.0 10,654,439 5.1 183,635,151 88.6 Average $617 $660 $1,246 $1,457

$400,000 to Exposure 293.3 0.5 1.0 0.0 3,814.4 6.6 48,939.7 84.9 $499,999 Premium 206,068 0.2 769 0.0 5,508,013 5.2 92,463,666 87.4 Average $703 $769 $1,444 $1,889

$500,000 and Exposure 367.2 0.5 2.0 0.0 3,644.0 5.3 54,400.8 78.7 Over Premium 274,046 0.1 6,119 0.0 7,386,949 3.2 167,202,333 73.1 Average $746 $3,060 $2,027 $3,074

Total Exposure 19,854.0 1.9 13.4 0.0 69,006.7 6.6 895,738.8 85.6 Premium 8,439,383 0.6 13,298 0.0 72,482,225 5.4 1,150,192,199 85.8 Average $425 $991 $1,050 $1,284

2018 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 114.3 1.2 913.3 9.3 9,848.1 100.0 Under Premium 17,984 0.8 376,988 17.4 2,161,707 100.0 Average $157 $413 $220

$50,000 to Exposure 19.2 0.3 1,575.3 24.3 6,481.2 100.0 $74,999 Premium 7,115 0.2 1,000,542 29.8 3,361,836 100.0 Average $371 $635 $519

$75,000 to Exposure 94.8 0.5 1,658.5 9.5 17,442.6 100.0 $99,999 Premium 52,945 0.5 1,306,774 11.2 11,643,977 100.0 Average $558 $788 $668

$100,000 to Exposure 842.3 1.5 1,592.7 2.8 56,154.3 100.0 $124,999 Premium 581,575 1.4 1,363,518 3.2 42,837,645 100.0 Average $690 $856 $763

$125,000 to Exposure 2,313.2 2.3 1,187.7 1.2 100,334.8 100.0 $149,999 Premium 1,821,064 2.1 1,134,843 1.3 85,898,656 100.0 Average $787 $956 $856

$150,000 to Exposure 3,751.3 3.0 876.6 0.7 124,598.4 100.0 $174,999 Premium 3,201,495 2.7 942,570 0.8 117,321,336 100.0 Average $853 $1,075 $942

$175,000 to Exposure 4,384.8 3.6 386.5 0.3 120,894.0 100.0 $199,999 Premium 4,079,916 3.3 443,392 0.4 124,700,718 100.0 Average $930 $1,147 $1,031

$200,000 to Exposure 17,240.2 5.1 520.9 0.2 339,444.2 100.0 $299,999 Premium 18,384,034 4.5 722,948 0.2 410,786,508 100.0 Average $1,066 $1,388 $1,210

$300,000 to Exposure 8,909.2 6.2 96.7 0.1 144,430.1 100.0 $399,999 Premium 12,166,555 5.9 178,612 0.1 207,149,629 100.0 Average $1,366 $1,848 $1,434

$400,000 to Exposure 4,529.9 7.9 36.7 0.1 57,615.0 100.0 $499,999 Premium 7,517,939 7.1 71,990 0.1 105,768,445 100.0 Average $1,660 $1,963 $1,836

$500,000 and Exposure 10,688.5 15.5 15.0 0.0 69,117.5 100.0 Over Premium 53,843,566 23.5 58,394 0.0 228,771,407 100.0 Average $5,038 $3,893 $3,310

Total Exposure 52,887.6 5.1 8,859.8 0.8 1,046,360.2 100.0 Premium 101,674,188 7.6 7,600,571 0.6 1,340,401,864 100.0 Average $1,922 $858 $1,281

2018 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 225.8 12.7 254.7 14.4 369.6 20.9 872.5 49.3 Under Premium 60,932 6.8 23,159 2.6 195,386 21.9 599,299 67.2 Average $270 $91 $529 $687

$50,000 to Exposure 236.3 11.1 24.7 1.2 625.7 29.3 1,166.9 54.6 $74,999 Premium 86,497 6.3 10,977 0.8 424,641 30.9 804,886 58.5 Average $366 $445 $679 $690

$75,000 to Exposure 178.9 5.5 9.7 0.3 577.7 17.7 2,357.3 72.2 $99,999 Premium 81,270 3.2 5,685 0.2 429,620 16.7 1,943,821 75.4 Average $454 $588 $744 $825

$100,000 to Exposure 183.3 2.3 10.0 0.1 673.1 8.4 6,661.8 83.3 $124,999 Premium 125,889 1.8 5,310 0.1 553,287 7.9 5,893,349 83.6 Average $687 $531 $822 $885

$125,000 to Exposure 99.7 0.7 7.3 0.1 760.3 5.4 12,242.4 86.7 $149,999 Premium 73,103 0.5 4,762 0.0 676,246 5.0 11,778,486 86.4 Average $733 $657 $890 $962

$150,000 to Exposure 107.8 0.6 10.0 0.1 850.2 4.3 16,621.0 84.8 $174,999 Premium 84,895 0.4 8,433 0.0 794,315 3.9 17,238,096 84.8 Average $787 $843 $934 $1,037

$175,000 to Exposure 66.3 0.3 5.8 0.0 756.8 3.6 17,254.2 83.1 $199,999 Premium 58,510 0.3 3,804 0.0 747,285 3.3 19,021,676 83.0 Average $882 $652 $987 $1,102

$200,000 to Exposure 167.1 0.3 6.0 0.0 1,225.9 2.4 41,678.8 80.4 $299,999 Premium 155,656 0.2 4,322 0.0 1,391,452 2.1 53,312,603 80.3 Average $932 $720 $1,135 $1,279

$300,000 to Exposure 51.9 0.3 1.0 0.0 223.3 1.2 15,139.7 79.1 $399,999 Premium 48,733 0.2 1,304 0.0 312,126 1.0 24,271,917 79.1 Average $939 $1,304 $1,398 $1,603

$400,000 to Exposure 17.3 0.3 2.0 0.0 44.9 0.7 5,280.8 77.7 $499,999 Premium 10,693 0.1 1,987 0.0 87,254 0.7 10,264,068 77.4 Average $617 $994 $1,943 $1,944

$500,000 and Exposure 24.0 0.4 52.4 0.8 4,775.9 75.0 Over Premium 34,548 0.2 * 179,685 1.0 13,641,162 73.0 Average $1,440 $3,428 $2,856

Total Exposure 1,358.4 0.9 331.1 0.2 6,159.8 4.0 124,051.2 80.7 Premium 820,726 0.4 69,743 0.0 5,791,297 2.9 158,769,363 80.3 Average $604 $211 $940 $1,280

2018 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 6.8 0.4 41.7 2.4 1,771.0 100.0 Under Premium 4,346 0.5 8,733 1.0 891,855 100.0 Average $636 $210 $504

$50,000 to Exposure 22.2 1.0 62.8 2.9 2,138.6 100.0 $74,999 Premium 23,053 1.7 24,657 1.8 1,374,711 100.0 Average $1,040 $392 $643

$75,000 to Exposure 83.5 2.6 57.1 1.7 3,264.1 100.0 $99,999 Premium 83,404 3.2 34,997 1.4 2,578,797 100.0 Average $999 $613 $790

$100,000 to Exposure 411.7 5.1 55.5 0.7 7,995.3 100.0 $124,999 Premium 434,017 6.2 35,175 0.5 7,047,027 100.0 Average $1,054 $634 $881

$125,000 to Exposure 985.5 7.0 30.3 0.2 14,125.4 100.0 $149,999 Premium 1,072,137 7.9 26,432 0.2 13,631,166 100.0 Average $1,088 $871 $965

$150,000 to Exposure 1,974.2 10.1 28.8 0.1 19,592.0 100.0 $174,999 Premium 2,189,197 10.8 24,447 0.1 20,339,383 100.0 Average $1,109 $848 $1,038

$175,000 to Exposure 2,660.2 12.8 13.2 0.1 20,756.4 100.0 $199,999 Premium 3,086,839 13.5 12,326 0.1 22,930,440 100.0 Average $1,160 $936 $1,105

$200,000 to Exposure 8,711.9 16.8 19.1 0.0 51,808.8 100.0 $299,999 Premium 11,459,800 17.3 26,665 0.0 66,350,498 100.0 Average $1,315 $1,397 $1,281

$300,000 to Exposure 3,705.0 19.4 7.0 0.0 19,127.9 100.0 $399,999 Premium 6,046,341 19.7 11,640 0.0 30,692,061 100.0 Average $1,632 $1,663 $1,605

$400,000 to Exposure 1,447.3 21.3 2.9 0.0 6,795.3 100.0 $499,999 Premium 2,896,281 21.8 7,824 0.1 13,268,107 100.0 Average $2,001 $2,683 $1,953

$500,000 and Exposure 1,515.5 23.8 6,367.8 100.0 Over Premium 4,833,042 25.9 * 18,688,437 100.0 Average $3,189 $2,935

Total Exposure 21,523.8 14.0 318.4 0.2 153,742.6 100.0 Premium 32,128,457 16.2 212,896 0.1 197,792,482 100.0 Average $1,493 $669 $1,287

2018 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 10,048.8 61.6 2,746.3 16.8 123.6 0.8 1,050.6 6.4 Under Premium 3,041,369 46.0 1,644,683 24.9 87,868 1.3 661,719 10.0 Average $303 $599 $711 $630

$50,000 to Exposure 3,227.9 14.3 8,804.3 38.9 984.5 4.4 5,661.2 25.0 $74,999 Premium 1,526,686 9.3 6,550,615 40.0 860,615 5.3 4,341,379 26.5 Average $473 $744 $874 $767

$75,000 to Exposure 2,006.9 4.4 7,225.9 15.7 1,868.2 4.1 30,023.6 65.3 $99,999 Premium 1,174,454 3.1 6,765,958 17.9 1,733,365 4.6 24,033,813 63.5 Average $585 $936 $928 $800

$100,000 to Exposure 1,989.4 1.9 3,776.7 3.5 4,604.9 4.3 87,901.3 82.3 $124,999 Premium 1,294,585 1.4 4,226,527 4.5 3,874,038 4.1 77,784,689 82.2 Average $651 $1,119 $841 $885

$125,000 to Exposure 1,767.3 1.1 1,460.2 0.9 8,325.0 5.1 136,784.4 84.2 $149,999 Premium 1,217,165 0.8 1,905,602 1.2 7,309,929 4.7 132,009,184 85.0 Average $689 $1,305 $878 $965

$150,000 to Exposure 1,681.2 0.9 640.6 0.3 10,664.8 5.8 153,600.9 83.9 $174,999 Premium 1,215,060 0.7 941,941 0.5 9,854,312 5.3 157,217,185 84.9 Average $723 $1,470 $924 $1,024

$175,000 to Exposure 1,336.3 0.8 255.7 0.2 10,101.7 6.0 141,672.5 83.7 $199,999 Premium 1,001,332 0.6 420,842 0.2 9,875,086 5.5 152,287,622 84.8 Average $749 $1,646 $978 $1,075

$200,000 to Exposure 2,870.3 0.7 282.8 0.1 25,846.3 6.0 356,838.6 83.3 $299,999 Premium 2,229,001 0.4 483,273 0.1 28,619,171 5.6 431,357,333 84.3 Average $777 $1,709 $1,107 $1,209

$300,000 to Exposure 930.1 0.5 37.3 0.0 9,416.0 5.2 151,602.4 83.6 $399,999 Premium 731,661 0.3 73,343 0.0 12,433,691 4.8 218,524,377 84.2 Average $787 $1,965 $1,320 $1,441

$400,000 to Exposure 281.4 0.4 16.7 0.0 4,189.4 5.3 64,722.7 82.2 $499,999 Premium 293,405 0.2 33,057 0.0 6,580,217 4.9 110,025,059 82.3 Average $1,043 $1,983 $1,571 $1,700

$500,000 and Exposure 249.1 0.3 8.6 0.0 4,393.1 4.8 67,456.8 74.0 Over Premium 259,925 0.1 20,125 0.0 10,087,029 4.2 166,510,569 69.8 Average $1,044 $2,345 $2,296 $2,468

Total Exposure 26,388.5 1.8 25,254.9 1.7 80,517.3 5.4 1,197,315.0 80.6 Premium 13,984,643 0.8 23,065,966 1.3 91,315,321 5.0 1,474,752,929 81.1 Average $530 $913 $1,134 $1,232

2018 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 319.3 2.0 2,012.9 12.3 16,301.3 100.0 Under Premium 167,426 2.5 1,009,333 15.3 6,612,398 100.0 Average $524 $501 $406

$50,000 to Exposure 843.1 3.7 3,092.3 13.7 22,613.2 100.0 $74,999 Premium 655,074 4.0 2,427,926 14.8 16,362,295 100.0 Average $777 $785 $724

$75,000 to Exposure 2,866.2 6.2 1,954.3 4.3 45,945.1 100.0 $99,999 Premium 2,291,801 6.1 1,836,599 4.9 37,835,990 100.0 Average $800 $940 $824

$100,000 to Exposure 7,417.3 6.9 1,151.3 1.1 106,840.9 100.0 $124,999 Premium 6,231,426 6.6 1,173,228 1.2 94,584,493 100.0 Average $840 $1,019 $885

$125,000 to Exposure 13,439.8 8.3 588.9 0.4 162,365.5 100.0 $149,999 Premium 12,211,139 7.9 642,836 0.4 155,295,855 100.0 Average $909 $1,092 $956

$150,000 to Exposure 16,103.2 8.8 404.6 0.2 183,095.2 100.0 $174,999 Premium 15,379,442 8.3 475,632 0.3 185,083,572 100.0 Average $955 $1,176 $1,011

$175,000 to Exposure 15,728.2 9.3 187.8 0.1 169,282.1 100.0 $199,999 Premium 15,781,032 8.8 233,309 0.1 179,599,223 100.0 Average $1,003 $1,242 $1,061

$200,000 to Exposure 42,489.5 9.9 264.2 0.1 428,591.6 100.0 $299,999 Premium 48,886,300 9.5 391,276 0.1 511,966,354 100.0 Average $1,151 $1,481 $1,195

$300,000 to Exposure 19,384.7 10.7 59.8 0.0 181,430.3 100.0 $399,999 Premium 27,644,426 10.7 99,588 0.0 259,507,086 100.0 Average $1,426 $1,664 $1,430

$400,000 to Exposure 9,556.0 12.1 13.7 0.0 78,779.8 100.0 $499,999 Premium 16,662,000 12.5 25,893 0.0 133,619,631 100.0 Average $1,744 $1,895 $1,696

$500,000 and Exposure 19,038.8 20.9 10.5 0.0 91,156.8 100.0 Over Premium 61,509,016 25.8 30,760 0.0 238,417,424 100.0 Average $3,231 $2,930 $2,615

Total Exposure 147,185.8 9.9 9,740.3 0.7 1,486,401.8 100.0 Premium 207,419,082 11.4 8,346,380 0.5 1,818,884,321 100.0 Average $1,409 $857 $1,224

2018 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 39,346.1 38.2 9,490.1 9.2 13,412.4 13.0 16,296.3 15.8 Under Premium 16,292,909 21.7 7,690,348 10.2 12,047,857 16.0 18,556,457 24.7 Average $414 $810 $898 $1,139

$50,000 to Exposure 30,124.7 25.7 17,763.7 15.1 28,979.0 24.7 20,863.2 17.8 $74,999 Premium 21,575,123 17.7 18,085,544 14.9 30,946,435 25.4 28,137,177 23.1 Average $716 $1,018 $1,068 $1,349

$75,000 to Exposure 29,303.5 18.0 27,408.0 16.8 47,616.7 29.2 45,390.0 27.9 $99,999 Premium 23,855,287 11.9 33,566,526 16.7 58,188,116 28.9 67,210,152 33.4 Average $814 $1,225 $1,222 $1,481

$100,000 to Exposure 24,579.6 9.0 50,339.8 18.5 67,812.3 24.9 107,061.3 39.4 $124,999 Premium 23,004,906 6.0 67,375,764 17.6 94,367,501 24.7 164,829,388 43.2 Average $936 $1,338 $1,392 $1,540

$125,000 to Exposure 16,351.8 4.3 74,877.5 19.5 72,615.1 18.9 181,433.1 47.3 $149,999 Premium 17,067,468 3.0 104,651,063 18.1 113,155,005 19.6 284,425,847 49.3 Average $1,044 $1,398 $1,558 $1,568

$150,000 to Exposure 11,597.1 2.3 100,002.0 20.2 65,464.8 13.2 263,427.3 53.3 $174,999 Premium 13,162,187 1.7 145,303,643 18.7 111,750,195 14.4 421,364,552 54.3 Average $1,135 $1,453 $1,707 $1,600

$175,000 to Exposure 7,546.3 1.4 110,247.2 21.1 50,341.8 9.6 292,081.8 55.9 $199,999 Premium 8,836,151 1.0 168,215,205 19.6 93,384,161 10.9 484,258,586 56.3 Average $1,171 $1,526 $1,855 $1,658

$200,000 to Exposure 13,507.8 0.9 288,759.0 18.6 99,274.7 6.4 962,866.4 62.0 $299,999 Premium 17,071,314 0.6 489,632,443 17.4 210,284,434 7.5 1,733,171,821 61.6 Average $1,264 $1,696 $2,118 $1,800

$300,000 to Exposure 3,383.4 0.5 108,371.6 15.8 26,737.8 3.9 461,494.4 67.5 $399,999 Premium 5,755,748 0.4 214,281,519 14.7 68,427,779 4.7 976,058,163 67.1 Average $1,701 $1,977 $2,559 $2,115

$400,000 to Exposure 990.6 0.3 54,133.6 17.4 9,006.0 2.9 208,807.7 67.1 $499,999 Premium 2,209,311 0.3 122,170,543 15.9 27,643,035 3.6 517,802,416 67.5 Average $2,230 $2,257 $3,069 $2,480

$500,000 and Exposure 660.4 0.2 52,403.4 15.2 7,514.7 2.2 195,451.2 56.9 Over Premium 2,220,530 0.2 156,288,379 12.4 31,302,613 2.5 689,359,982 54.6 Average $3,362 $2,982 $4,166 $3,527

Total Exposure 177,391.3 3.6 893,795.8 18.1 488,775.3 9.9 2,755,172.5 55.7 Premium 151,050,934 1.6 1,527,260,977 16.4 851,497,131 9.2 5,385,174,541 58.0 Average $852 $1,709 $1,742 $1,955

2018 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 24,542.3 23.8 103,087.2 100.0 Under Premium 20,591,065 27.4 * 75,178,636 100.0 Average $839 $729

$50,000 to Exposure 19,606.2 16.7 117,336.7 100.0 $74,999 Premium 22,997,885 18.9 * 121,742,164 100.0 Average $1,173 $1,038

$75,000 to Exposure 13,130.2 8.1 162,848.3 100.0 $99,999 Premium 18,370,116 9.1 * 201,190,197 100.0 Average $1,399 $1,235

$100,000 to Exposure 22,092.3 8.1 271,885.3 100.0 $124,999 Premium 32,250,958 8.4 * 381,828,517 100.0 Average $1,460 $1,404

$125,000 to Exposure 38,473.1 10.0 383,750.6 100.0 $149,999 Premium 57,808,077 10.0 * 577,107,460 100.0 Average $1,503 $1,504

$150,000 to Exposure 54,083.2 10.9 494,574.4 100.0 $174,999 Premium 84,408,759 10.9 * 775,989,336 100.0 Average $1,561 $1,569

$175,000 to Exposure 62,713.4 12.0 522,930.5 100.0 $199,999 Premium 105,239,381 12.2 * 859,933,484 100.0 Average $1,678 $1,644

$200,000 to Exposure 188,575.2 12.1 1,552,983.1 100.0 $299,999 Premium 364,221,694 12.9 * 2,814,381,706 100.0 Average $1,931 $1,812

$300,000 to Exposure 83,811.3 12.3 683,798.4 100.0 $399,999 Premium 189,668,153 13.0 * 1,454,191,362 100.0 Average $2,263 $2,127

$400,000 to Exposure 38,276.5 12.3 311,214.3 100.0 $499,999 Premium 97,131,601 12.7 * 766,956,906 100.0 Average $2,538 $2,464

$500,000 and Exposure 87,628.7 25.5 343,658.3 100.0 Over Premium 383,846,389 30.4 * 1,263,017,893 100.0 Average $4,380 $3,675

Total Exposure 632,932.3 12.8 4,948,067.1 100.0 Premium 1,376,534,078 14.8 * 9,291,517,661 100.0 Average $2,175 $1,878

2018 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 58.2 10.3 1.0 0.2 77.7 13.8 365.3 64.9 Under Premium 27,188 14.2 300 0.2 22,011 11.5 134,392 70.3 Average $467 $300 $283 $368

$50,000 to Exposure 58.6 10.1 24.9 4.3 453.0 77.9 $74,999 Premium 33,828 14.6 * 11,150 4.8 173,017 74.9 Average $577 $447 $382

$75,000 to Exposure 77.0 4.3 68.3 3.8 1,543.6 85.5 $99,999 Premium 35,957 4.6 * 24,371 3.1 669,406 86.1 Average $467 $357 $434

$100,000 to Exposure 196.9 2.5 392.8 5.0 6,528.3 83.9 $124,999 Premium 94,754 2.6 * 171,108 4.7 3,080,874 84.2 Average $481 $436 $472

$125,000 to Exposure 258.8 1.2 1.8 0.0 1,291.0 6.2 16,912.9 81.2 $149,999 Premium 91,585 0.9 462 0.0 636,942 6.0 8,622,818 81.8 Average $354 $264 $493 $510

$150,000 to Exposure 406.1 1.0 2,943.8 7.4 30,897.5 78.0 $174,999 Premium 166,669 0.8 * 1,513,650 7.0 16,934,029 78.8 Average $410 $514 $548

$175,000 to Exposure 347.6 0.6 1.0 0.0 4,212.5 7.7 41,004.8 75.4 $199,999 Premium 139,247 0.4 407 0.0 2,325,092 7.4 23,719,552 76.0 Average $401 $407 $552 $578

$200,000 to Exposure 892.0 0.4 4.8 0.0 18,598.5 8.7 154,980.6 72.2 $299,999 Premium 424,560 0.3 2,134 0.0 11,028,653 8.1 99,034,602 72.9 Average $476 $449 $593 $639

$300,000 to Exposure 379.1 0.3 5.3 0.0 9,456.4 8.4 76,988.4 68.4 $399,999 Premium 210,368 0.3 1,957 0.0 6,314,866 7.6 57,716,782 69.4 Average $555 $373 $668 $750

$400,000 to Exposure 167.0 0.4 7.0 0.0 3,368.4 7.2 31,919.1 68.3 $499,999 Premium 91,843 0.2 4,032 0.0 2,640,996 6.4 28,668,841 69.2 Average $550 $576 $784 $898

$500,000 and Exposure 202.1 0.4 2.0 0.0 3,031.8 5.9 34,327.8 66.3 Over Premium 132,388 0.2 1,134 0.0 3,454,316 4.4 50,401,694 64.7 Average $655 $567 $1,139 $1,468

Total Exposure 3,043.3 0.6 22.8 0.0 43,466.2 7.9 395,921.2 71.8 Premium 1,448,387 0.4 10,426 0.0 28,143,155 6.9 289,156,007 71.1 Average $476 $458 $647 $730

2018 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 48.7 8.7 11.7 2.1 562.5 100.0 Under Premium 5,728 3.0 1,430 0.7 191,049 100.0 Average $118 $123 $340

$50,000 to Exposure 15.5 2.7 29.8 5.1 581.8 100.0 $74,999 Premium 4,623 2.0 8,339 3.6 230,957 100.0 Average $298 $280 $397

$75,000 to Exposure 96.0 5.3 20.1 1.1 1,805.0 100.0 $99,999 Premium 38,966 5.0 8,695 1.1 777,395 100.0 Average $406 $433 $431

$100,000 to Exposure 642.8 8.3 24.0 0.3 7,784.8 100.0 $124,999 Premium 299,145 8.2 13,690 0.4 3,659,571 100.0 Average $465 $570 $470

$125,000 to Exposure 2,344.8 11.3 25.3 0.1 20,834.4 100.0 $149,999 Premium 1,164,403 11.1 20,632 0.2 10,536,842 100.0 Average $497 $817 $506

$150,000 to Exposure 5,326.8 13.5 23.0 0.1 39,597.2 100.0 $174,999 Premium 2,864,003 13.3 21,115 0.1 21,499,466 100.0 Average $538 $918 $543

$175,000 to Exposure 8,782.1 16.2 18.2 0.0 54,366.1 100.0 $199,999 Premium 5,013,515 16.1 16,352 0.1 31,214,165 100.0 Average $571 $900 $574

$200,000 to Exposure 40,222.7 18.7 21.0 0.0 214,719.5 100.0 $299,999 Premium 25,377,308 18.7 24,255 0.0 135,891,512 100.0 Average $631 $1,155 $633

$300,000 to Exposure 25,706.8 22.8 20.3 0.0 112,556.3 100.0 $399,999 Premium 18,861,558 22.7 19,645 0.0 83,125,176 100.0 Average $734 $966 $739

$400,000 to Exposure 11,260.8 24.1 7.0 0.0 46,729.3 100.0 $499,999 Premium 9,994,193 24.1 6,223 0.0 41,406,128 100.0 Average $888 $889 $886

$500,000 and Exposure 14,194.4 27.4 9.0 0.0 51,767.1 100.0 Over Premium 23,944,940 30.7 10,207 0.0 77,944,679 100.0 Average $1,687 $1,134 $1,506

Total Exposure 108,641.2 19.7 209.3 0.0 551,303.8 100.0 Premium 87,568,382 21.5 150,583 0.0 406,476,940 100.0 Average $806 $719 $737

2018 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 381.3 36.4 473.6 45.2 106.8 10.2 72.5 6.9 Under Premium 79,063 22.9 201,303 58.4 39,854 11.6 20,893 6.1 Average $207 $425 $373 $288

$50,000 to Exposure 295.4 26.7 216.2 19.5 280.8 25.4 295.8 26.7 $74,999 Premium 80,849 18.7 101,650 23.5 124,564 28.8 118,704 27.4 Average $274 $470 $444 $401

$75,000 to Exposure 274.7 15.6 243.3 13.8 495.8 28.1 725.0 41.1 $99,999 Premium 99,369 11.8 123,409 14.6 261,446 31.0 345,360 40.9 Average $362 $507 $527 $476

$100,000 to Exposure 318.7 10.6 222.2 7.4 492.8 16.4 1,928.8 64.3 $124,999 Premium 148,415 8.9 121,777 7.3 304,084 18.2 1,073,034 64.3 Average $466 $548 $617 $556

$125,000 to Exposure 190.4 3.9 254.5 5.2 416.0 8.5 3,935.8 80.2 $149,999 Premium 98,173 3.3 148,517 5.0 280,073 9.3 2,404,530 80.2 Average $516 $584 $673 $611

$150,000 to Exposure 261.9 3.0 214.2 2.4 446.6 5.1 7,617.8 86.4 $174,999 Premium 163,052 2.8 140,420 2.4 304,424 5.2 5,018,740 86.5 Average $623 $656 $682 $659

$175,000 to Exposure 164.1 1.3 167.6 1.3 508.7 4.1 11,214.7 89.3 $199,999 Premium 113,541 1.3 126,538 1.5 347,993 4.0 7,761,742 89.2 Average $692 $755 $684 $692

$200,000 to Exposure 413.3 0.6 332.8 0.5 2,026.3 3.2 57,282.2 89.5 $299,999 Premium 298,401 0.6 290,348 0.6 1,608,368 3.2 44,815,665 89.6 Average $722 $872 $794 $782

$300,000 to Exposure 144.8 0.4 80.8 0.2 805.4 2.0 35,022.6 89.0 $399,999 Premium 114,297 0.3 86,325 0.2 818,419 2.2 33,069,717 88.9 Average $789 $1,069 $1,016 $944

$400,000 to Exposure 71.4 0.4 16.7 0.1 249.2 1.4 15,359.3 87.3 $499,999 Premium 64,776 0.3 27,020 0.1 338,187 1.7 17,297,427 86.9 Average $907 $1,621 $1,357 $1,126

$500,000 and Exposure 66.1 0.3 14.0 0.1 151.3 0.7 17,095.0 80.1 Over Premium 85,418 0.2 25,550 0.1 285,495 0.7 28,890,964 73.2 Average $1,293 $1,825 $1,888 $1,690

Total Exposure 2,582.1 1.5 2,235.7 1.3 5,979.7 3.4 150,549.5 85.8 Premium 1,345,354 0.8 1,392,857 0.8 4,712,907 2.8 140,816,776 84.1 Average $521 $623 $788 $935

2018 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 3.0 0.3 11.5 1.1 1,048.8 100.0 Under Premium 259 0.1 3,364 1.0 344,736 100.0 Average $86 $293 $329

$50,000 to Exposure 2.0 0.2 16.1 1.5 1,106.3 100.0 $74,999 Premium 471 0.1 6,932 1.6 433,170 100.0 Average $236 $431 $392

$75,000 to Exposure 8.3 0.5 17.4 1.0 1,764.3 100.0 $99,999 Premium 4,374 0.5 10,057 1.2 844,015 100.0 Average $530 $577 $478

$100,000 to Exposure 24.6 0.8 13.0 0.4 3,000.1 100.0 $124,999 Premium 13,936 0.8 7,629 0.5 1,668,875 100.0 Average $567 $587 $556

$125,000 to Exposure 95.2 1.9 14.0 0.3 4,905.8 100.0 $149,999 Premium 54,411 1.8 12,847 0.4 2,998,551 100.0 Average $572 $918 $611

$150,000 to Exposure 257.2 2.9 22.7 0.3 8,820.3 100.0 $174,999 Premium 155,153 2.7 22,393 0.4 5,804,182 100.0 Average $603 $988 $658

$175,000 to Exposure 489.7 3.9 11.8 0.1 12,556.4 100.0 $199,999 Premium 333,327 3.8 14,258 0.2 8,697,399 100.0 Average $681 $1,213 $693

$200,000 to Exposure 3,898.7 6.1 19.7 0.0 63,972.9 100.0 $299,999 Premium 2,997,773 6.0 25,706 0.1 50,036,261 100.0 Average $769 $1,307 $782

$300,000 to Exposure 3,298.6 8.4 5.8 0.0 39,357.9 100.0 $399,999 Premium 3,102,269 8.3 10,197 0.0 37,201,224 100.0 Average $940 $1,773 $945

$400,000 to Exposure 1,902.7 10.8 17,599.3 100.0 $499,999 Premium 2,173,250 10.9 * 19,900,660 100.0 Average $1,142 $1,131

$500,000 and Exposure 4,025.0 18.9 1.0 0.0 21,352.3 100.0 Over Premium 10,177,509 25.8 1,713 0.0 39,466,649 100.0 Average $2,529 $1,713 $1,848

Total Exposure 14,004.8 8.0 132.8 0.1 175,484.5 100.0 Premium 19,012,732 11.4 115,096 0.1 167,395,722 100.0 Average $1,358 $866 $954

2018 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 2,433.0 39.2 131.8 2.1 1,127.3 18.1 2,202.3 35.5 Under Premium 592,753 39.0 26,508 1.7 361,482 23.8 464,789 30.6 Average $244 $201 $321 $211

$50,000 to Exposure 2,093.0 31.9 77.0 1.2 244.4 3.7 3,304.8 50.4 $74,999 Premium 681,629 29.1 21,112 0.9 130,374 5.6 1,171,154 50.1 Average $326 $274 $533 $354

$75,000 to Exposure 2,342.5 13.2 78.8 0.4 607.9 3.4 13,167.5 74.2 $99,999 Premium 862,730 9.5 30,263 0.3 352,153 3.9 7,027,742 77.6 Average $368 $384 $579 $534

$100,000 to Exposure 3,163.0 5.4 87.1 0.1 2,320.7 4.0 48,385.3 83.2 $124,999 Premium 1,285,821 3.6 35,743 0.1 1,521,016 4.3 29,953,744 84.9 Average $407 $410 $655 $619

$125,000 to Exposure 2,808.0 2.6 63.6 0.1 5,176.3 4.8 89,075.6 83.0 $149,999 Premium 1,179,347 1.6 26,884 0.0 3,708,866 5.1 60,907,267 84.2 Average $420 $423 $717 $684

$150,000 to Exposure 2,874.1 2.0 45.5 0.0 7,455.1 5.1 120,128.2 82.1 $174,999 Premium 1,275,096 1.2 18,712 0.0 5,681,189 5.3 89,035,827 83.4 Average $444 $411 $762 $741

$175,000 to Exposure 2,239.8 1.4 37.3 0.0 8,230.5 5.1 130,471.3 81.5 $199,999 Premium 1,015,064 0.8 21,897 0.0 6,575,290 5.3 103,832,427 82.9 Average $453 $588 $799 $796

$200,000 to Exposure 6,056.9 1.1 75.7 0.0 27,170.8 4.8 465,493.3 81.7 $299,999 Premium 2,759,540 0.5 46,712 0.0 23,675,196 4.6 427,009,750 83.5 Average $456 $617 $871 $917

$300,000 to Exposure 2,700.4 0.8 27.3 0.0 13,444.8 4.0 281,337.7 82.8 $399,999 Premium 1,175,995 0.3 20,514 0.0 13,142,770 3.8 294,456,210 84.0 Average $435 $751 $978 $1,047

$400,000 to Exposure 1,282.5 0.7 6.0 0.0 6,324.3 3.6 145,021.8 82.4 $499,999 Premium 642,025 0.3 2,548 0.0 7,103,970 3.3 181,434,601 83.7 Average $501 $425 $1,123 $1,251

$500,000 and Exposure 943.2 0.4 19.3 0.0 8,604.0 3.6 194,384.2 80.2 Over Premium 523,173 0.1 18,282 0.0 13,121,095 3.1 336,560,006 78.8 Average $555 $946 $1,525 $1,731

Total Exposure 28,936.4 1.6 649.3 0.0 80,706.0 4.4 1,492,971.6 81.6 Premium 11,993,173 0.6 269,175 0.0 75,373,401 4.1 1,531,853,517 82.5 Average $414 $415 $934 $1,026

2018 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 262.3 4.2 55.0 0.9 6,211.6 100.0 Under Premium 60,510 4.0 13,309 0.9 1,519,351 100.0 Average $231 $242 $245

$50,000 to Exposure 721.0 11.0 112.4 1.7 6,552.6 100.0 $74,999 Premium 290,909 12.4 43,221 1.8 2,338,399 100.0 Average $403 $384 $357

$75,000 to Exposure 1,456.4 8.2 89.2 0.5 17,742.3 100.0 $99,999 Premium 732,870 8.1 55,885 0.6 9,061,643 100.0 Average $503 $627 $511

$100,000 to Exposure 4,113.8 7.1 86.3 0.1 58,156.2 100.0 $124,999 Premium 2,434,744 6.9 61,826 0.2 35,292,894 100.0 Average $592 $716 $607

$125,000 to Exposure 10,107.4 9.4 37.7 0.0 107,268.5 100.0 $149,999 Premium 6,475,414 9.0 31,627 0.0 72,329,405 100.0 Average $641 $840 $674

$150,000 to Exposure 15,782.8 10.8 35.5 0.0 146,321.2 100.0 $174,999 Premium 10,748,214 10.1 34,156 0.0 106,793,194 100.0 Average $681 $962 $730

$175,000 to Exposure 19,045.8 11.9 7.6 0.0 160,032.2 100.0 $199,999 Premium 13,748,468 11.0 7,129 0.0 125,200,275 100.0 Average $722 $940 $782

$200,000 to Exposure 71,053.7 12.5 29.3 0.0 569,879.5 100.0 $299,999 Premium 57,867,496 11.3 29,218 0.0 511,387,912 100.0 Average $814 $999 $897

$300,000 to Exposure 42,298.4 12.4 8.0 0.0 339,816.7 100.0 $399,999 Premium 41,565,443 11.9 7,183 0.0 350,368,115 100.0 Average $983 $898 $1,031

$400,000 to Exposure 23,439.8 13.3 7.2 0.0 176,081.5 100.0 $499,999 Premium 27,477,144 12.7 12,387 0.0 216,672,675 100.0 Average $1,172 $1,728 $1,231

$500,000 and Exposure 38,279.8 15.8 5.0 0.0 242,235.5 100.0 Over Premium 76,647,019 18.0 6,099 0.0 426,875,674 100.0 Average $2,002 $1,220 $1,762

Total Exposure 226,561.3 12.4 473.1 0.0 1,830,297.7 100.0 Premium 238,048,231 12.8 302,040 0.0 1,857,839,537 100.0 Average $1,051 $638 $1,015

2018 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 556.0 54.4 2.0 0.2 74.9 7.3 Under Premium 239,196 72.3 * 977 0.3 30,530 9.2 Average $430 $489 $408

$50,000 to Exposure 572.3 39.2 15.4 1.1 511.3 35.1 $74,999 Premium 278,597 44.5 * 8,481 1.4 211,420 33.8 Average $487 $550 $414

$75,000 to Exposure 629.4 16.3 45.9 1.2 2,722.8 70.7 $99,999 Premium 311,732 16.7 * 27,440 1.5 1,284,946 68.9 Average $495 $598 $472

$100,000 to Exposure 1,135.2 8.0 337.6 2.4 11,433.3 80.1 $124,999 Premium 697,807 8.9 * 185,260 2.4 6,202,579 78.8 Average $615 $549 $542

$125,000 to Exposure 786.1 2.4 868.8 2.6 28,072.9 84.0 $149,999 Premium 506,549 2.5 * 532,488 2.7 16,759,918 83.6 Average $644 $613 $597

$150,000 to Exposure 829.7 1.3 1.0 0.0 1,809.8 2.9 52,287.7 82.7 $174,999 Premium 604,767 1.5 1,021 0.0 1,199,358 3.0 33,326,927 82.2 Average $729 $1,021 $663 $637

$175,000 to Exposure 747.8 0.8 3,014.3 3.2 75,588.7 81.2 $199,999 Premium 623,735 1.0 * 2,113,352 3.3 51,045,189 80.8 Average $834 $701 $675

$200,000 to Exposure 2,963.3 0.6 5.8 0.0 17,332.9 3.3 408,529.5 77.2 $299,999 Premium 2,583,659 0.6 3,131 0.0 13,528,949 3.4 308,415,273 76.6 Average $872 $545 $781 $755

$300,000 to Exposure 1,914.6 0.5 5.0 0.0 12,221.7 3.0 294,995.1 72.7 $399,999 Premium 1,879,159 0.5 3,972 0.0 10,932,693 3.1 258,040,710 72.0 Average $981 $794 $895 $875

$400,000 to Exposure 800.8 0.4 6.0 0.0 5,842.9 3.0 135,098.3 69.7 $499,999 Premium 959,250 0.5 3,837 0.0 5,974,731 3.0 136,769,447 68.8 Average $1,198 $640 $1,023 $1,012

$500,000 and Exposure 714.8 0.3 1.0 0.0 6,146.2 2.9 144,876.4 68.1 Over Premium 845,515 0.3 974 0.0 8,337,519 2.6 204,450,500 64.5 Average $1,183 $974 $1,357 $1,411

Total Exposure 11,649.9 0.8 18.8 0.0 47,637.4 3.1 1,154,190.9 74.4 Premium 9,529,966 0.7 12,935 0.0 42,841,248 3.0 1,016,537,439 72.0 Average $818 $690 $899 $881

2018 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 140.3 13.7 249.0 24.4 1,022.2 100.0 Under Premium 17,519 5.3 42,667 12.9 330,889 100.0 Average $125 $171 $324

$50,000 to Exposure 27.8 1.9 331.5 22.7 1,458.3 100.0 $74,999 Premium 9,115 1.5 118,656 18.9 626,269 100.0 Average $328 $358 $429

$75,000 to Exposure 202.2 5.3 249.5 6.5 3,849.8 100.0 $99,999 Premium 94,957 5.1 145,617 7.8 1,864,692 100.0 Average $470 $584 $484

$100,000 to Exposure 1,162.3 8.1 202.7 1.4 14,271.0 100.0 $124,999 Premium 636,150 8.1 147,823 1.9 7,869,619 100.0 Average $547 $729 $551

$125,000 to Exposure 3,571.6 10.7 114.8 0.3 33,414.2 100.0 $149,999 Premium 2,146,267 10.7 99,633 0.5 20,044,855 100.0 Average $601 $868 $600

$150,000 to Exposure 8,166.6 12.9 109.6 0.2 63,204.3 100.0 $174,999 Premium 5,282,664 13.0 107,596 0.3 40,522,333 100.0 Average $647 $982 $641

$175,000 to Exposure 13,657.8 14.7 84.6 0.1 93,093.1 100.0 $199,999 Premium 9,315,022 14.7 96,430 0.2 63,193,728 100.0 Average $682 $1,140 $679

$200,000 to Exposure 100,016.6 18.9 191.2 0.0 529,039.3 100.0 $299,999 Premium 77,793,285 19.3 262,073 0.1 402,586,370 100.0 Average $778 $1,371 $761

$300,000 to Exposure 96,382.3 23.8 53.1 0.0 405,571.8 100.0 $399,999 Premium 87,387,587 24.4 89,508 0.0 358,333,629 100.0 Average $907 $1,686 $884

$400,000 to Exposure 51,946.1 26.8 13.3 0.0 193,707.4 100.0 $499,999 Premium 55,145,315 27.7 26,047 0.0 198,878,627 100.0 Average $1,062 $1,954 $1,027

$500,000 and Exposure 61,028.0 28.7 3.2 0.0 212,769.6 100.0 Over Premium 103,513,732 32.6 7,376 0.0 317,155,616 100.0 Average $1,696 $2,329 $1,491

Total Exposure 336,301.4 21.7 1,602.3 0.1 1,551,400.8 100.0 Premium 341,341,613 24.2 1,143,426 0.1 1,411,406,627 100.0 Average $1,015 $714 $910

2018 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 974.5 33.4 131.4 4.5 179.8 6.2 1,075.6 36.8 Under Premium 323,624 24.6 47,435 3.6 85,320 6.5 569,037 43.3 Average $332 $361 $474 $529

$50,000 to Exposure 801.2 12.6 80.8 1.3 303.8 4.8 3,822.1 60.2 $74,999 Premium 417,619 11.0 35,984 0.9 177,309 4.7 2,265,962 59.5 Average $521 $446 $584 $593

$75,000 to Exposure 391.9 2.9 78.0 0.6 628.8 4.7 10,249.1 76.8 $99,999 Premium 266,921 3.1 37,559 0.4 401,305 4.6 6,539,524 75.1 Average $681 $482 $638 $638

$100,000 to Exposure 382.8 1.3 60.3 0.2 1,329.0 4.7 23,321.3 82.1 $124,999 Premium 303,915 1.5 28,508 0.1 826,217 4.2 16,338,413 82.4 Average $794 $473 $622 $701

$125,000 to Exposure 216.6 0.5 48.4 0.1 2,075.3 5.1 33,329.7 81.2 $149,999 Premium 148,320 0.5 25,076 0.1 1,316,670 4.3 25,503,262 82.9 Average $685 $518 $634 $765

$150,000 to Exposure 209.0 0.4 39.7 0.1 2,941.8 6.2 36,937.4 77.3 $174,999 Premium 162,145 0.4 19,964 0.1 1,858,339 4.9 30,257,310 79.8 Average $776 $503 $632 $819

$175,000 to Exposure 140.3 0.3 44.0 0.1 3,328.5 7.1 34,839.3 74.4 $199,999 Premium 96,659 0.2 25,843 0.1 2,201,381 5.6 30,511,944 77.4 Average $689 $587 $661 $876

$200,000 to Exposure 324.0 0.3 76.8 0.1 10,043.8 8.2 86,197.0 70.7 $299,999 Premium 255,796 0.2 46,156 0.0 7,393,776 6.3 87,186,637 74.1 Average $789 $601 $736 $1,011

$300,000 to Exposure 108.3 0.2 19.5 0.0 3,467.9 8.0 30,389.5 69.9 $399,999 Premium 79,207 0.2 13,581 0.0 3,051,554 6.0 37,237,392 72.9 Average $731 $696 $880 $1,225

$400,000 to Exposure 43.6 0.3 5.4 0.0 1,014.6 6.7 10,627.8 70.5 $499,999 Premium 37,440 0.2 5,456 0.0 1,060,803 5.0 15,484,327 73.0 Average $859 $1,007 $1,046 $1,457

$500,000 and Exposure 30.6 0.2 7.4 0.0 982.1 6.6 9,647.0 64.7 Over Premium 28,281 0.1 17,857 0.1 1,480,324 4.8 20,166,285 65.2 Average $925 $2,408 $1,507 $2,090

Total Exposure 3,622.8 0.9 591.6 0.2 26,295.3 6.9 280,435.8 73.4 Premium 2,119,927 0.6 303,419 0.1 19,852,998 5.5 272,060,093 75.0 Average $585 $513 $755 $970

2018 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 339.8 11.6 219.2 7.5 2,920.3 100.0 Under Premium 184,383 14.0 104,777 8.0 1,314,576 100.0 Average $543 $478 $450

$50,000 to Exposure 885.3 13.9 457.5 7.2 6,350.6 100.0 $74,999 Premium 609,580 16.0 303,319 8.0 3,809,773 100.0 Average $689 $663 $600

$75,000 to Exposure 1,632.3 12.2 359.6 2.7 13,339.7 100.0 $99,999 Premium 1,195,861 13.7 267,021 3.1 8,708,191 100.0 Average $733 $743 $653

$100,000 to Exposure 3,121.3 11.0 202.8 0.7 28,417.3 100.0 $124,999 Premium 2,147,294 10.8 175,069 0.9 19,819,416 100.0 Average $688 $863 $697

$125,000 to Exposure 5,302.2 12.9 84.8 0.2 41,056.8 100.0 $149,999 Premium 3,691,453 12.0 77,762 0.3 30,762,543 100.0 Average $696 $918 $749

$150,000 to Exposure 7,587.7 15.9 73.8 0.2 47,789.3 100.0 $174,999 Premium 5,532,626 14.6 73,984 0.2 37,904,368 100.0 Average $729 $1,002 $793

$175,000 to Exposure 8,451.0 18.0 31.6 0.1 46,834.8 100.0 $199,999 Premium 6,529,250 16.6 39,177 0.1 39,404,254 100.0 Average $773 $1,240 $841

$200,000 to Exposure 25,199.1 20.7 56.3 0.0 121,896.9 100.0 $299,999 Premium 22,640,741 19.3 62,832 0.1 117,585,938 100.0 Average $898 $1,115 $965

$300,000 to Exposure 9,498.3 21.8 14.4 0.0 43,498.0 100.0 $399,999 Premium 10,710,444 21.0 16,606 0.0 51,108,784 100.0 Average $1,128 $1,152 $1,175

$400,000 to Exposure 3,383.6 22.4 5.4 0.0 15,080.4 100.0 $499,999 Premium 4,612,705 21.7 11,922 0.1 21,212,653 100.0 Average $1,363 $2,201 $1,407

$500,000 and Exposure 4,236.3 28.4 3.0 0.0 14,906.3 100.0 Over Premium 9,221,034 29.8 6,046 0.0 30,919,827 100.0 Average $2,177 $2,015 $2,074

Total Exposure 69,636.8 18.2 1,508.3 0.4 382,090.4 100.0 Premium 67,075,371 18.5 1,138,515 0.3 362,550,323 100.0 Average $963 $755 $949

2018 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 1,186.0 24.5 148.6 3.1 447.3 9.2 2,324.3 47.9 Under Premium 302,785 21.2 28,098 2.0 142,954 10.0 787,848 55.2 Average $255 $189 $320 $339

$50,000 to Exposure 894.5 13.9 396.4 6.2 614.0 9.6 3,576.7 55.7 $74,999 Premium 410,941 15.1 91,331 3.4 243,880 9.0 1,564,033 57.6 Average $459 $230 $397 $437

$75,000 to Exposure 804.2 6.0 529.7 3.9 900.3 6.7 9,829.7 73.0 $99,999 Premium 435,830 6.5 122,091 1.8 391,692 5.9 5,025,956 75.3 Average $542 $231 $435 $511

$100,000 to Exposure 909.4 3.0 645.7 2.1 1,393.8 4.6 24,327.0 79.8 $124,999 Premium 580,679 3.4 176,963 1.0 745,130 4.3 13,941,832 81.2 Average $639 $274 $535 $573

$125,000 to Exposure 603.6 1.1 683.5 1.2 2,032.2 3.6 45,601.9 81.3 $149,999 Premium 372,699 1.1 188,487 0.6 1,124,054 3.3 28,360,844 83.3 Average $617 $276 $553 $622

$150,000 to Exposure 711.5 0.8 725.0 0.8 3,729.7 4.1 71,953.7 79.0 $174,999 Premium 512,379 0.9 207,342 0.4 2,115,934 3.6 47,326,616 81.0 Average $720 $286 $567 $658

$175,000 to Exposure 454.3 0.4 660.7 0.6 5,243.7 4.4 91,793.8 77.5 $199,999 Premium 318,861 0.4 210,724 0.3 3,102,171 3.9 63,434,289 79.5 Average $702 $319 $592 $691

$200,000 to Exposure 1,138.3 0.2 1,499.6 0.3 24,249.9 5.1 353,671.2 75.0 $299,999 Premium 810,827 0.2 549,726 0.2 16,642,361 4.7 269,440,462 76.2 Average $712 $367 $686 $762

$300,000 to Exposure 324.8 0.1 361.5 0.1 13,190.0 5.4 179,239.5 73.6 $399,999 Premium 361,701 0.2 152,475 0.1 10,958,358 5.1 156,566,891 73.2 Average $1,114 $422 $831 $874

$400,000 to Exposure 125.1 0.1 108.5 0.1 4,037.2 4.5 66,132.5 73.8 $499,999 Premium 147,034 0.2 59,227 0.1 4,052,683 4.4 67,122,930 72.5 Average $1,175 $546 $1,004 $1,015

$500,000 and Exposure 106.1 0.1 27.1 0.0 3,044.6 3.6 59,547.2 71.2 Over Premium 177,519 0.1 18,521 0.0 4,611,882 3.6 85,741,491 66.3 Average $1,673 $684 $1,515 $1,440

Total Exposure 7,257.7 0.6 5,786.2 0.5 58,882.5 4.9 907,997.3 75.1 Premium 4,431,255 0.4 1,804,985 0.2 44,131,099 4.5 739,313,192 74.7 Average $611 $312 $749 $814

2018 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 486.6 10.0 257.8 5.3 4,850.4 100.0 Under Premium 112,448 7.9 53,262 3.7 1,427,395 100.0 Average $231 $207 $294

$50,000 to Exposure 534.0 8.3 401.5 6.3 6,417.1 100.0 $74,999 Premium 237,472 8.7 167,415 6.2 2,715,072 100.0 Average $445 $417 $423

$75,000 to Exposure 1,119.4 8.3 282.4 2.1 13,465.7 100.0 $99,999 Premium 544,346 8.2 156,729 2.3 6,676,644 100.0 Average $486 $555 $496

$100,000 to Exposure 2,932.0 9.6 262.8 0.9 30,470.6 100.0 $124,999 Premium 1,532,909 8.9 185,600 1.1 17,163,113 100.0 Average $523 $706 $563

$125,000 to Exposure 7,021.9 12.5 148.8 0.3 56,091.9 100.0 $149,999 Premium 3,907,820 11.5 106,081 0.3 34,059,985 100.0 Average $557 $713 $607

$150,000 to Exposure 13,872.1 15.2 123.0 0.1 91,114.9 100.0 $174,999 Premium 8,159,117 14.0 108,657 0.2 58,430,045 100.0 Average $588 $883 $641

$175,000 to Exposure 20,218.2 17.1 58.3 0.0 118,428.8 100.0 $199,999 Premium 12,700,281 15.9 53,426 0.1 79,819,752 100.0 Average $628 $917 $674

$200,000 to Exposure 90,910.9 19.3 126.6 0.0 471,596.4 100.0 $299,999 Premium 66,237,666 18.7 122,497 0.0 353,803,539 100.0 Average $729 $968 $750

$300,000 to Exposure 50,299.2 20.7 34.4 0.0 243,449.3 100.0 $399,999 Premium 45,763,110 21.4 44,236 0.0 213,846,771 100.0 Average $910 $1,285 $878

$400,000 to Exposure 19,250.7 21.5 5.6 0.0 89,659.5 100.0 $499,999 Premium 21,191,562 22.9 5,083 0.0 92,578,519 100.0 Average $1,101 $910 $1,033

$500,000 and Exposure 20,877.4 25.0 8.4 0.0 83,610.8 100.0 Over Premium 38,763,291 30.0 14,149 0.0 129,326,853 100.0 Average $1,857 $1,681 $1,547

Total Exposure 227,522.3 18.8 1,709.5 0.1 1,209,155.4 100.0 Premium 199,150,022 20.1 1,017,135 0.1 989,847,688 100.0 Average $875 $595 $819

2018 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 61.3 46.0 38.3 28.7 Under Premium 41,168 63.7 * * 18,843 29.2 Average $671 $493

$50,000 to Exposure 71.5 16.8 3.2 0.7 298.2 70.1 $74,999 Premium 46,081 21.6 * 1,016 0.5 145,102 68.0 Average $644 $321 $487

$75,000 to Exposure 86.1 6.1 14.6 1.0 1,200.4 84.5 $99,999 Premium 56,448 6.0 * 5,153 0.5 803,234 84.9 Average $656 $353 $669

$100,000 to Exposure 171.3 3.8 73.4 1.6 3,860.0 84.6 $124,999 Premium 114,798 3.2 * 45,066 1.2 3,042,822 83.8 Average $670 $614 $788

$125,000 to Exposure 167.3 1.9 165.0 1.9 7,093.8 82.2 $149,999 Premium 124,002 1.6 * 123,886 1.6 6,241,210 80.4 Average $741 $751 $880

$150,000 to Exposure 208.8 1.7 3.0 0.0 288.9 2.4 9,517.7 79.4 $174,999 Premium 183,175 1.6 2,139 0.0 251,647 2.1 9,100,196 77.1 Average $877 $713 $871 $956

$175,000 to Exposure 128.9 0.9 389.6 2.8 10,733.9 78.2 $199,999 Premium 118,328 0.8 * 385,693 2.6 10,933,086 74.9 Average $918 $990 $1,019

$200,000 to Exposure 275.7 0.6 1.0 0.0 1,048.5 2.4 33,553.4 77.4 $299,999 Premium 266,933 0.5 917 0.0 1,256,128 2.4 38,144,452 73.9 Average $968 $917 $1,198 $1,137

$300,000 to Exposure 66.3 0.4 284.6 1.6 13,570.3 77.5 $399,999 Premium 61,181 0.3 * 416,546 1.7 18,028,016 74.0 Average $923 $1,464 $1,328

$400,000 to Exposure 11.7 0.2 85.4 1.3 5,092.8 78.6 $499,999 Premium 17,266 0.2 * 152,158 1.5 7,689,491 74.6 Average $1,480 $1,781 $1,510

$500,000 and Exposure 15.9 0.2 48.3 0.6 5,856.0 71.7 Over Premium 16,262 0.1 * 121,827 0.5 13,622,085 57.6 Average $1,022 $2,525 $2,326

Total Exposure 1,264.7 1.1 3.8 0.0 2,401.4 2.1 90,814.8 78.0 Premium 1,045,642 0.7 2,916 0.0 2,759,120 1.9 107,768,537 72.3 Average $827 $761 $1,149 $1,187

2018 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 3.0 2.2 30.8 23.1 133.4 100.0 Under Premium 1,060 1.6 3,566 5.5 64,637 100.0 Average $353 $116 $484

$50,000 to Exposure 5.4 1.3 47.1 11.1 425.3 100.0 $74,999 Premium 3,942 1.8 17,158 8.0 213,299 100.0 Average $728 $364 $501

$75,000 to Exposure 62.6 4.4 56.3 4.0 1,420.0 100.0 $99,999 Premium 51,800 5.5 29,540 3.1 946,175 100.0 Average $828 $524 $666

$100,000 to Exposure 423.0 9.3 36.3 0.8 4,564.0 100.0 $124,999 Premium 405,029 11.2 24,805 0.7 3,632,520 100.0 Average $958 $684 $796

$125,000 to Exposure 1,174.4 13.6 24.4 0.3 8,624.9 100.0 $149,999 Premium 1,257,768 16.2 19,699 0.3 7,766,565 100.0 Average $1,071 $807 $900

$150,000 to Exposure 1,935.6 16.1 33.8 0.3 11,987.7 100.0 $174,999 Premium 2,238,017 19.0 26,841 0.2 11,802,015 100.0 Average $1,156 $795 $985

$175,000 to Exposure 2,468.2 18.0 13.8 0.1 13,734.3 100.0 $199,999 Premium 3,144,172 21.5 16,012 0.1 14,597,151 100.0 Average $1,274 $1,157 $1,063

$200,000 to Exposure 8,434.0 19.5 49.3 0.1 43,361.8 100.0 $299,999 Premium 11,928,436 23.1 31,115 0.1 51,627,981 100.0 Average $1,414 $632 $1,191

$300,000 to Exposure 3,570.6 20.4 13.2 0.1 17,504.9 100.0 $399,999 Premium 5,837,412 24.0 6,858 0.0 24,350,013 100.0 Average $1,635 $521 $1,391

$400,000 to Exposure 1,274.5 19.7 11.0 0.2 6,475.4 100.0 $499,999 Premium 2,450,592 23.8 2,780 0.0 10,312,287 100.0 Average $1,923 $253 $1,593

$500,000 and Exposure 2,231.4 27.3 12.0 0.1 8,163.6 100.0 Over Premium 9,890,309 41.8 5,718 0.0 23,656,201 100.0 Average $4,432 $477 $2,898

Total Exposure 21,582.7 18.5 327.9 0.3 116,395.3 100.0 Premium 37,208,537 25.0 184,092 0.1 148,968,844 100.0 Average $1,724 $561 $1,280

2018 Average Premium by Policy Form by Amount of Insurance

Homeowners Tenants and Condominium/ Cooperative Unit Policy Forms

2018 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 3,798,941.8 84.2 712,049.3 15.8 4,510,991.0 100.0 Under Premium 513,567,025 65.9 265,605,029 34.1 779,172,054 100.0 Average $135 $373 $173

$14,000 to Exposure 2,684,719.9 89.7 308,068.8 10.3 2,992,788.8 100.0 $19,999 Premium 399,914,120 78.0 112,615,193 22.0 512,529,313 100.0 Average $149 $366 $171

$20,000 to Exposure 4,260,337.2 83.6 833,636.4 16.4 5,093,973.6 100.0 $25,999 Premium 710,105,874 65.7 370,614,353 34.3 1,080,720,227 100.0 Average $167 $445 $212

$26,000 to Exposure 2,170,769.6 79.3 568,249.1 20.7 2,739,018.7 100.0 $31,999 Premium 394,477,655 63.1 231,093,957 36.9 625,571,612 100.0 Average $182 $407 $228

$32,000 to Exposure 779,218.1 70.9 319,245.0 29.1 1,098,463.1 100.0 $37,999 Premium 136,226,888 51.5 128,535,255 48.5 264,762,143 100.0 Average $175 $403 $241

$38,000 to Exposure 600,618.7 66.0 309,075.6 34.0 909,694.3 100.0 $43,999 Premium 121,215,624 47.5 134,132,924 52.5 255,348,548 100.0 Average $202 $434 $281

$44,000 to Exposure 264,403.3 60.1 175,197.3 39.9 439,600.6 100.0 $49,999 Premium 51,920,062 41.8 72,283,267 58.2 124,203,329 100.0 Average $196 $413 $283

$50,000 to Exposure 1,456,198.8 52.7 1,307,956.2 47.3 2,764,154.9 100.0 $74,999 Premium 342,740,975 35.6 618,913,099 64.4 961,654,074 100.0 Average $235 $473 $348

$75,000 to Exposure 333,826.4 39.9 502,323.3 60.1 836,149.7 100.0 $99,999 Premium 99,938,611 27.1 268,472,755 72.9 368,411,366 100.0 Average $299 $534 $441

$100,000 and Exposure 637,641.5 39.3 982,933.8 60.7 1,620,575.3 100.0 Over Premium 268,866,133 24.2 842,116,530 75.8 1,110,982,663 100.0 Average $422 $857 $686

Total Exposure 16,986,675.2 73.8 6,018,734.6 26.2 23,005,409.8 100.0 Premium 3,038,972,967 50.0 3,044,382,363 50.0 6,083,355,329 100.0 Average $179 $506 $264

2018 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 60,710.5 94.9 3,270.8 5.1 63,981.3 100.0 Under Premium 9,999,756 90.3 1,072,425 9.7 11,072,181 100.0 Average $165 $328 $173

$14,000 to Exposure 20,513.9 88.9 2,568.4 11.1 23,082.3 100.0 $19,999 Premium 4,034,829 78.1 1,133,103 21.9 5,167,932 100.0 Average $197 $441 $224

$20,000 to Exposure 51,309.5 92.5 4,164.8 7.5 55,474.3 100.0 $25,999 Premium 10,923,303 83.4 2,169,156 16.6 13,092,459 100.0 Average $213 $521 $236

$26,000 to Exposure 17,435.8 88.3 2,318.3 11.7 19,754.1 100.0 $31,999 Premium 4,347,539 78.1 1,219,875 21.9 5,567,414 100.0 Average $249 $526 $282

$32,000 to Exposure 5,511.1 85.5 936.8 14.5 6,447.8 100.0 $37,999 Premium 1,338,610 76.4 414,570 23.6 1,753,180 100.0 Average $243 $443 $272

$38,000 to Exposure 4,887.8 80.8 1,164.5 19.2 6,052.3 100.0 $43,999 Premium 1,377,038 66.2 703,372 33.8 2,080,410 100.0 Average $282 $604 $344

$44,000 to Exposure 1,642.2 78.5 450.0 21.5 2,092.2 100.0 $49,999 Premium 446,411 68.9 201,966 31.1 648,377 100.0 Average $272 $449 $310

$50,000 to Exposure 14,023.4 79.9 3,519.3 20.1 17,542.8 100.0 $74,999 Premium 4,381,560 67.7 2,094,225 32.3 6,475,785 100.0 Average $312 $595 $369

$75,000 to Exposure 3,483.8 72.1 1,345.3 27.9 4,829.2 100.0 $99,999 Premium 1,334,733 61.7 829,908 38.3 2,164,641 100.0 Average $383 $617 $448

$100,000 and Exposure 6,452.8 72.1 2,500.2 27.9 8,952.9 100.0 Over Premium 3,058,080 58.2 2,197,412 41.8 5,255,492 100.0 Average $474 $879 $587

Total Exposure 185,970.8 89.3 22,238.3 10.7 208,209.0 100.0 Premium 41,241,859 77.4 12,036,012 22.6 53,277,871 100.0 Average $222 $541 $256

2018 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 10,792.9 82.5 2,289.3 17.5 13,082.2 100.0 Under Premium 1,427,811 71.9 559,022 28.1 1,986,833 100.0 Average $132 $244 $152

$14,000 to Exposure 3,516.4 89.2 427.2 10.8 3,943.6 100.0 $19,999 Premium 522,259 80.1 129,817 19.9 652,076 100.0 Average $149 $304 $165

$20,000 to Exposure 8,450.0 89.5 993.0 10.5 9,443.0 100.0 $25,999 Premium 1,325,529 78.7 358,060 21.3 1,683,589 100.0 Average $157 $361 $178

$26,000 to Exposure 5,105.2 81.4 1,165.2 18.6 6,270.3 100.0 $31,999 Premium 800,423 65.4 423,412 34.6 1,223,835 100.0 Average $157 $363 $195

$32,000 to Exposure 1,868.4 72.1 721.3 27.9 2,589.8 100.0 $37,999 Premium 301,735 53.3 263,927 46.7 565,662 100.0 Average $161 $366 $218

$38,000 to Exposure 1,628.2 72.5 616.7 27.5 2,244.8 100.0 $43,999 Premium 308,434 58.0 223,632 42.0 532,066 100.0 Average $189 $363 $237

$44,000 to Exposure 729.5 62.6 435.8 37.4 1,165.3 100.0 $49,999 Premium 132,389 46.9 149,631 53.1 282,020 100.0 Average $181 $343 $242

$50,000 to Exposure 4,311.2 60.2 2,848.5 39.8 7,159.7 100.0 $74,999 Premium 975,610 44.9 1,195,060 55.1 2,170,670 100.0 Average $226 $420 $303

$75,000 to Exposure 1,007.6 49.0 1,050.3 51.0 2,057.9 100.0 $99,999 Premium 289,582 36.9 494,359 63.1 783,941 100.0 Average $287 $471 $381

$100,000 and Exposure 2,150.8 54.1 1,821.8 45.9 3,972.6 100.0 Over Premium 830,793 43.0 1,101,540 57.0 1,932,333 100.0 Average $386 $605 $486

Total Exposure 39,560.2 76.2 12,369.0 23.8 51,929.2 100.0 Premium 6,914,565 58.5 4,898,460 41.5 11,813,025 100.0 Average $175 $396 $227

2018 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 114,880.0 84.8 20,586.8 15.2 135,466.8 100.0 Under Premium 16,263,143 70.7 6,738,068 29.3 23,001,211 100.0 Average $142 $327 $170

$14,000 to Exposure 46,090.8 85.1 8,072.5 14.9 54,163.3 100.0 $19,999 Premium 7,231,624 72.4 2,762,116 27.6 9,993,740 100.0 Average $157 $342 $185

$20,000 to Exposure 86,276.7 86.2 13,810.8 13.8 100,087.4 100.0 $25,999 Premium 14,566,543 75.6 4,704,999 24.4 19,271,542 100.0 Average $169 $341 $193

$26,000 to Exposure 44,824.2 76.3 13,930.8 23.7 58,755.0 100.0 $31,999 Premium 8,159,743 61.8 5,033,389 38.2 13,193,132 100.0 Average $182 $361 $225

$32,000 to Exposure 15,122.4 67.6 7,239.5 32.4 22,361.9 100.0 $37,999 Premium 2,644,973 50.1 2,635,960 49.9 5,280,933 100.0 Average $175 $364 $236

$38,000 to Exposure 11,863.1 62.4 7,145.8 37.6 19,008.8 100.0 $43,999 Premium 2,257,117 45.8 2,671,658 54.2 4,928,775 100.0 Average $190 $374 $259

$44,000 to Exposure 5,275.0 55.9 4,155.8 44.1 9,430.8 100.0 $49,999 Premium 961,522 38.3 1,550,753 61.7 2,512,275 100.0 Average $182 $373 $266

$50,000 to Exposure 31,618.0 56.7 24,188.8 43.3 55,806.8 100.0 $74,999 Premium 6,858,595 40.3 10,149,611 59.7 17,008,206 100.0 Average $217 $420 $305

$75,000 to Exposure 7,241.6 47.1 8,134.1 52.9 15,375.7 100.0 $99,999 Premium 1,934,604 33.4 3,852,623 66.6 5,787,227 100.0 Average $267 $474 $376

$100,000 and Exposure 13,995.6 56.1 10,944.3 43.9 24,939.9 100.0 Over Premium 5,048,062 41.4 7,152,589 58.6 12,200,651 100.0 Average $361 $654 $489

Total Exposure 377,187.3 76.1 118,209.3 23.9 495,396.5 100.0 Premium 65,925,926 58.2 47,251,766 41.8 113,177,692 100.0 Average $175 $400 $228

2018 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 18,956.3 96.0 787.6 4.0 19,743.9 100.0 Under Premium 2,981,176 91.3 282,647 8.7 3,263,823 100.0 Average $157 $359 $165

$14,000 to Exposure 9,900.6 97.6 243.3 2.4 10,143.8 100.0 $19,999 Premium 1,958,133 95.6 91,045 4.4 2,049,178 100.0 Average $198 $374 $202

$20,000 to Exposure 32,321.4 97.9 701.5 2.1 33,022.9 100.0 $25,999 Premium 6,051,559 95.5 285,775 4.5 6,337,334 100.0 Average $187 $407 $192

$26,000 to Exposure 9,656.2 93.9 623.5 6.1 10,279.7 100.0 $31,999 Premium 2,232,260 89.4 264,624 10.6 2,496,884 100.0 Average $231 $424 $243

$32,000 to Exposure 3,386.9 90.3 365.4 9.7 3,752.3 100.0 $37,999 Premium 797,539 83.9 153,277 16.1 950,816 100.0 Average $235 $419 $253

$38,000 to Exposure 3,025.9 89.8 342.7 10.2 3,368.6 100.0 $43,999 Premium 760,158 83.7 148,326 16.3 908,484 100.0 Average $251 $433 $270

$44,000 to Exposure 900.0 81.3 206.6 18.7 1,106.6 100.0 $49,999 Premium 227,958 72.0 88,861 28.0 316,819 100.0 Average $253 $430 $286

$50,000 to Exposure 7,364.7 82.6 1,550.3 17.4 8,915.0 100.0 $74,999 Premium 2,102,334 72.7 788,053 27.3 2,890,387 100.0 Average $285 $508 $324

$75,000 to Exposure 1,658.3 70.3 701.4 29.7 2,359.8 100.0 $99,999 Premium 579,045 59.6 392,832 40.4 971,877 100.0 Average $349 $560 $412

$100,000 and Exposure 3,143.8 69.3 1,390.6 30.7 4,534.3 100.0 Over Premium 1,350,820 52.4 1,227,879 47.6 2,578,699 100.0 Average $430 $883 $569

Total Exposure 90,314.1 92.9 6,912.8 7.1 97,226.9 100.0 Premium 19,040,982 83.6 3,723,319 16.4 22,764,301 100.0 Average $211 $539 $234

2018 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 440,217.0 71.7 173,418.1 28.3 613,635.1 100.0 Under Premium 57,986,253 47.2 64,746,873 52.8 122,733,126 100.0 Average $132 $373 $200

$14,000 to Exposure 421,458.7 87.4 60,879.8 12.6 482,338.5 100.0 $19,999 Premium 59,034,733 68.8 26,749,226 31.2 85,783,959 100.0 Average $140 $439 $178

$20,000 to Exposure 556,765.9 84.8 99,772.7 15.2 656,538.6 100.0 $25,999 Premium 87,199,623 66.4 44,047,786 33.6 131,247,409 100.0 Average $157 $441 $200

$26,000 to Exposure 337,107.5 78.8 90,575.2 21.2 427,682.7 100.0 $31,999 Premium 60,516,211 60.5 39,475,398 39.5 99,991,609 100.0 Average $180 $436 $234

$32,000 to Exposure 114,020.7 74.5 38,941.8 25.5 152,962.4 100.0 $37,999 Premium 19,618,124 53.6 16,956,209 46.4 36,574,333 100.0 Average $172 $435 $239

$38,000 to Exposure 99,912.3 71.5 39,738.4 28.5 139,650.8 100.0 $43,999 Premium 20,140,885 52.0 18,579,564 48.0 38,720,449 100.0 Average $202 $468 $277

$44,000 to Exposure 42,549.6 62.6 25,473.3 37.4 68,022.8 100.0 $49,999 Premium 8,312,101 42.1 11,424,122 57.9 19,736,223 100.0 Average $195 $448 $290

$50,000 to Exposure 204,781.8 50.3 202,445.7 49.7 407,227.5 100.0 $74,999 Premium 48,915,440 30.9 109,131,619 69.1 158,047,059 100.0 Average $239 $539 $388

$75,000 to Exposure 47,209.8 35.1 87,473.7 64.9 134,683.5 100.0 $99,999 Premium 14,656,362 22.1 51,668,389 77.9 66,324,751 100.0 Average $310 $591 $492

$100,000 and Exposure 87,244.3 37.8 143,787.9 62.2 231,032.3 100.0 Over Premium 42,514,414 24.3 132,613,357 75.7 175,127,771 100.0 Average $487 $922 $758

Total Exposure 2,351,267.7 71.0 962,506.4 29.0 3,313,774.1 100.0 Premium 418,894,146 44.8 515,392,543 55.2 934,286,689 100.0 Average $178 $535 $282

2018 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 106,034.3 77.1 31,520.4 22.9 137,554.8 100.0 Under Premium 14,121,202 60.7 9,152,321 39.3 23,273,523 100.0 Average $133 $290 $169

$14,000 to Exposure 38,114.7 80.5 9,251.8 19.5 47,366.5 100.0 $19,999 Premium 5,872,970 66.8 2,914,601 33.2 8,787,571 100.0 Average $154 $315 $186

$20,000 to Exposure 85,579.5 79.7 21,752.4 20.3 107,331.9 100.0 $25,999 Premium 13,792,069 65.9 7,135,342 34.1 20,927,411 100.0 Average $161 $328 $195

$26,000 to Exposure 63,323.5 75.9 20,097.8 24.1 83,421.3 100.0 $31,999 Premium 10,330,390 59.7 6,961,516 40.3 17,291,906 100.0 Average $163 $346 $207

$32,000 to Exposure 19,866.8 66.1 10,174.1 33.9 30,040.8 100.0 $37,999 Premium 3,110,182 47.1 3,499,580 52.9 6,609,762 100.0 Average $157 $344 $220

$38,000 to Exposure 16,488.4 60.8 10,622.3 39.2 27,110.8 100.0 $43,999 Premium 2,720,029 41.3 3,858,528 58.7 6,578,557 100.0 Average $165 $363 $243

$44,000 to Exposure 7,582.6 57.2 5,676.2 42.8 13,258.8 100.0 $49,999 Premium 1,194,734 37.2 2,013,743 62.8 3,208,477 100.0 Average $158 $355 $242

$50,000 to Exposure 47,320.6 51.7 44,212.3 48.3 91,532.9 100.0 $74,999 Premium 8,538,605 32.1 18,064,581 67.9 26,603,186 100.0 Average $180 $409 $291

$75,000 to Exposure 11,603.8 39.4 17,854.0 60.6 29,457.8 100.0 $99,999 Premium 2,437,262 22.5 8,398,145 77.5 10,835,407 100.0 Average $210 $470 $368

$100,000 and Exposure 20,045.2 36.8 34,443.8 63.2 54,488.9 100.0 Over Premium 6,234,422 20.8 23,674,649 79.2 29,909,071 100.0 Average $311 $687 $549

Total Exposure 415,959.3 66.9 205,605.1 33.1 621,564.3 100.0 Premium 68,351,865 44.4 85,673,006 55.6 154,024,871 100.0 Average $164 $417 $248

2018 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 41,530.4 82.2 8,979.7 17.8 50,510.1 100.0 Under Premium 4,818,903 71.1 1,962,330 28.9 6,781,233 100.0 Average $116 $219 $134

$14,000 to Exposure 31,478.9 84.1 5,930.3 15.9 37,409.2 100.0 $19,999 Premium 4,664,329 73.0 1,727,680 27.0 6,392,009 100.0 Average $148 $291 $171

$20,000 to Exposure 45,204.1 81.2 10,461.8 18.8 55,665.9 100.0 $25,999 Premium 7,640,971 70.7 3,164,163 29.3 10,805,134 100.0 Average $169 $302 $194

$26,000 to Exposure 22,568.3 67.8 10,708.1 32.2 33,276.3 100.0 $31,999 Premium 4,538,198 57.2 3,397,970 42.8 7,936,168 100.0 Average $201 $317 $238

$32,000 to Exposure 7,896.8 55.3 6,388.9 44.7 14,285.7 100.0 $37,999 Premium 1,643,155 44.4 2,057,311 55.6 3,700,466 100.0 Average $208 $322 $259

$38,000 to Exposure 5,416.6 47.1 6,072.1 52.9 11,488.7 100.0 $43,999 Premium 1,269,079 37.9 2,080,143 62.1 3,349,222 100.0 Average $234 $343 $292

$44,000 to Exposure 2,624.3 39.4 4,038.2 60.6 6,662.5 100.0 $49,999 Premium 625,463 30.6 1,417,388 69.4 2,042,851 100.0 Average $238 $351 $307

$50,000 to Exposure 13,424.7 34.6 25,393.3 65.4 38,818.0 100.0 $74,999 Premium 3,752,598 27.4 9,945,996 72.6 13,698,594 100.0 Average $280 $392 $353

$75,000 to Exposure 3,093.7 23.5 10,092.2 76.5 13,185.8 100.0 $99,999 Premium 1,130,897 19.9 4,561,492 80.1 5,692,389 100.0 Average $366 $452 $432

$100,000 and Exposure 6,574.2 28.4 16,578.7 71.6 23,152.8 100.0 Over Premium 3,661,381 24.3 11,405,907 75.7 15,067,288 100.0 Average $557 $688 $651

Total Exposure 179,811.8 63.2 104,643.2 36.8 284,455.0 100.0 Premium 33,744,974 44.7 41,720,380 55.3 75,465,354 100.0 Average $188 $399 $265

2018 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 10,491.4 87.2 1,535.7 12.8 12,027.1 100.0 Under Premium 1,266,293 73.7 451,947 26.3 1,718,240 100.0 Average $121 $294 $143

$14,000 to Exposure 9,458.1 91.4 895.1 8.6 10,353.2 100.0 $19,999 Premium 1,236,754 80.3 303,523 19.7 1,540,277 100.0 Average $131 $339 $149

$20,000 to Exposure 19,291.3 92.0 1,686.3 8.0 20,977.5 100.0 $25,999 Premium 2,949,042 83.1 601,221 16.9 3,550,263 100.0 Average $153 $357 $169

$26,000 to Exposure 7,551.0 83.1 1,537.0 16.9 9,088.0 100.0 $31,999 Premium 1,199,572 68.6 549,091 31.4 1,748,663 100.0 Average $159 $357 $192

$32,000 to Exposure 2,244.0 66.9 1,110.7 33.1 3,354.7 100.0 $37,999 Premium 366,009 48.2 393,668 51.8 759,677 100.0 Average $163 $354 $226

$38,000 to Exposure 1,423.1 58.6 1,005.3 41.4 2,428.4 100.0 $43,999 Premium 264,553 41.5 373,369 58.5 637,922 100.0 Average $186 $371 $263

$44,000 to Exposure 672.5 50.6 657.8 49.4 1,330.3 100.0 $49,999 Premium 125,866 34.6 237,500 65.4 363,366 100.0 Average $187 $361 $273

$50,000 to Exposure 3,546.3 41.4 5,013.2 58.6 8,559.5 100.0 $74,999 Premium 760,535 26.5 2,112,560 73.5 2,873,095 100.0 Average $214 $421 $336

$75,000 to Exposure 708.3 28.8 1,754.2 71.2 2,462.5 100.0 $99,999 Premium 189,996 18.6 831,755 81.4 1,021,751 100.0 Average $268 $474 $415

$100,000 and Exposure 1,341.6 30.8 3,013.7 69.2 4,355.3 100.0 Over Premium 524,778 20.9 1,985,115 79.1 2,509,893 100.0 Average $391 $659 $576

Total Exposure 56,727.6 75.7 18,208.8 24.3 74,936.4 100.0 Premium 8,883,398 53.1 7,839,749 46.9 16,723,147 100.0 Average $157 $431 $223

2018 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 25,087.4 83.0 5,147.5 17.0 30,234.9 100.0 Under Premium 3,097,809 67.5 1,493,529 32.5 4,591,338 100.0 Average $123 $290 $152

$14,000 to Exposure 16,862.1 83.2 3,395.9 16.8 20,258.0 100.0 $19,999 Premium 2,313,765 71.3 930,443 28.7 3,244,208 100.0 Average $137 $274 $160

$20,000 to Exposure 23,875.8 72.9 8,878.3 27.1 32,754.1 100.0 $25,999 Premium 3,517,112 61.6 2,195,514 38.4 5,712,626 100.0 Average $147 $247 $174

$26,000 to Exposure 10,356.3 65.3 5,501.8 34.7 15,858.1 100.0 $31,999 Premium 1,692,365 49.8 1,708,114 50.2 3,400,479 100.0 Average $163 $310 $214

$32,000 to Exposure 4,018.3 58.8 2,820.9 41.2 6,839.3 100.0 $37,999 Premium 677,237 40.8 982,949 59.2 1,660,186 100.0 Average $169 $348 $243

$38,000 to Exposure 2,743.1 50.7 2,671.3 49.3 5,414.3 100.0 $43,999 Premium 511,404 34.1 986,326 65.9 1,497,730 100.0 Average $186 $369 $277

$44,000 to Exposure 1,454.2 50.5 1,422.6 49.5 2,876.8 100.0 $49,999 Premium 269,323 34.3 515,950 65.7 785,273 100.0 Average $185 $363 $273

$50,000 to Exposure 5,630.9 36.8 9,664.3 63.2 15,295.3 100.0 $74,999 Premium 1,229,147 24.9 3,700,369 75.1 4,929,516 100.0 Average $218 $383 $322

$75,000 to Exposure 1,318.3 30.3 3,028.7 69.7 4,347.0 100.0 $99,999 Premium 359,074 20.5 1,389,517 79.5 1,748,591 100.0 Average $272 $459 $402

$100,000 and Exposure 2,554.3 22.1 9,028.0 77.9 11,582.3 100.0 Over Premium 1,047,151 16.9 5,139,700 83.1 6,186,851 100.0 Average $410 $569 $534

Total Exposure 93,900.7 64.6 51,559.3 35.4 145,460.0 100.0 Premium 14,714,387 43.6 19,042,411 56.4 33,756,798 100.0 Average $157 $369 $232

2018 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 297,387.5 70.3 125,667.5 29.7 423,055.0 100.0 Under Premium 42,870,748 33.5 84,989,014 66.5 127,859,762 100.0 Average $144 $676 $302

$14,000 to Exposure 150,182.7 81.8 33,412.5 18.2 183,595.2 100.0 $19,999 Premium 17,680,977 45.2 21,426,299 54.8 39,107,276 100.0 Average $118 $641 $213

$20,000 to Exposure 172,768.3 45.1 210,543.8 54.9 383,312.1 100.0 $25,999 Premium 33,531,507 16.6 168,484,372 83.4 202,015,879 100.0 Average $194 $800 $527

$26,000 to Exposure 80,784.3 54.3 68,000.6 45.7 148,784.8 100.0 $31,999 Premium 17,436,398 23.0 58,348,024 77.0 75,784,422 100.0 Average $216 $858 $509

$32,000 to Exposure 15,038.8 30.5 34,292.2 69.5 49,331.0 100.0 $37,999 Premium 3,356,784 10.5 28,536,639 89.5 31,893,423 100.0 Average $223 $832 $647

$38,000 to Exposure 18,278.8 34.7 34,456.3 65.3 52,735.2 100.0 $43,999 Premium 4,912,757 13.2 32,301,571 86.8 37,214,328 100.0 Average $269 $937 $706

$44,000 to Exposure 4,436.1 22.8 15,059.7 77.2 19,495.8 100.0 $49,999 Premium 1,171,587 8.2 13,133,023 91.8 14,304,610 100.0 Average $264 $872 $734

$50,000 to Exposure 44,933.8 30.0 104,767.1 70.0 149,700.8 100.0 $74,999 Premium 14,550,094 11.7 109,559,944 88.3 124,110,038 100.0 Average $324 $1,046 $829

$75,000 to Exposure 8,523.3 20.9 32,323.0 79.1 40,846.3 100.0 $99,999 Premium 3,486,365 8.2 38,967,399 91.8 42,453,764 100.0 Average $409 $1,206 $1,039

$100,000 and Exposure 22,904.6 29.0 56,123.3 71.0 79,027.9 100.0 Over Premium 11,561,694 8.0 132,890,836 92.0 144,452,530 100.0 Average $505 $2,368 $1,828

Total Exposure 815,238.0 53.3 714,646.0 46.7 1,529,884.0 100.0 Premium 150,558,911 17.9 688,637,121 82.1 839,196,032 100.0 Average $185 $964 $549

2018 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 168,801.4 94.7 9,472.8 5.3 178,274.3 100.0 Under Premium 26,178,765 88.4 3,420,166 11.6 29,598,931 100.0 Average $155 $361 $166

$14,000 to Exposure 99,156.4 96.4 3,696.6 3.6 102,853.0 100.0 $19,999 Premium 18,849,573 93.4 1,331,566 6.6 20,181,139 100.0 Average $190 $360 $196

$20,000 to Exposure 166,213.8 89.7 19,104.6 10.3 185,318.3 100.0 $25,999 Premium 34,673,116 84.1 6,552,798 15.9 41,225,914 100.0 Average $209 $343 $222

$26,000 to Exposure 54,312.2 83.0 11,103.7 17.0 65,415.8 100.0 $31,999 Premium 13,918,689 75.4 4,534,873 24.6 18,453,562 100.0 Average $256 $408 $282

$32,000 to Exposure 15,257.4 72.4 5,827.5 27.6 21,084.9 100.0 $37,999 Premium 3,778,403 59.8 2,539,352 40.2 6,317,755 100.0 Average $248 $436 $300

$38,000 to Exposure 12,613.1 69.2 5,615.0 30.8 18,228.1 100.0 $43,999 Premium 3,587,745 58.4 2,557,485 41.6 6,145,230 100.0 Average $284 $455 $337

$44,000 to Exposure 4,355.3 58.5 3,086.1 41.5 7,441.4 100.0 $49,999 Premium 1,260,714 47.4 1,396,911 52.6 2,657,625 100.0 Average $289 $453 $357

$50,000 to Exposure 32,356.4 58.8 22,694.6 41.2 55,051.0 100.0 $74,999 Premium 10,503,861 47.9 11,445,730 52.1 21,949,591 100.0 Average $325 $504 $399

$75,000 to Exposure 6,989.8 47.0 7,870.9 53.0 14,860.8 100.0 $99,999 Premium 2,866,196 36.7 4,933,872 63.3 7,800,068 100.0 Average $410 $627 $525

$100,000 and Exposure 18,001.9 49.4 18,448.2 50.6 36,450.1 100.0 Over Premium 8,267,508 37.1 14,001,940 62.9 22,269,448 100.0 Average $459 $759 $611

Total Exposure 578,057.8 84.4 106,919.9 15.6 684,977.7 100.0 Premium 123,884,570 70.2 52,714,693 29.8 176,599,263 100.0 Average $214 $493 $258

2018 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 29,747.3 54.8 24,540.5 45.2 54,287.8 100.0 Under Premium 3,513,398 48.7 3,706,045 51.3 7,219,443 100.0 Average $118 $151 $133

$14,000 to Exposure 6,228.4 48.1 6,722.7 51.9 12,951.1 100.0 $19,999 Premium 993,773 39.8 1,504,726 60.2 2,498,499 100.0 Average $160 $224 $193

$20,000 to Exposure 13,209.3 40.6 19,322.1 59.4 32,531.3 100.0 $25,999 Premium 2,345,473 31.8 5,040,622 68.2 7,386,095 100.0 Average $178 $261 $227

$26,000 to Exposure 7,429.8 32.6 15,342.8 67.4 22,772.7 100.0 $31,999 Premium 1,273,518 24.0 4,023,614 76.0 5,297,132 100.0 Average $171 $262 $233

$32,000 to Exposure 2,885.8 11.1 23,028.5 88.9 25,914.3 100.0 $37,999 Premium 564,378 6.8 7,754,116 93.2 8,318,494 100.0 Average $196 $337 $321

$38,000 to Exposure 2,384.7 30.0 5,569.9 70.0 7,954.6 100.0 $43,999 Premium 537,629 24.0 1,701,948 76.0 2,239,577 100.0 Average $225 $306 $282

$44,000 to Exposure 676.6 21.2 2,520.6 78.8 3,197.2 100.0 $49,999 Premium 174,158 18.2 781,651 81.8 955,809 100.0 Average $257 $310 $299

$50,000 to Exposure 5,428.6 23.6 17,575.6 76.4 23,004.2 100.0 $74,999 Premium 1,615,358 20.0 6,465,096 80.0 8,080,454 100.0 Average $298 $368 $351

$75,000 to Exposure 1,405.9 28.2 3,574.5 71.8 4,980.4 100.0 $99,999 Premium 541,494 23.9 1,726,182 76.1 2,267,676 100.0 Average $385 $483 $455

$100,000 and Exposure 2,413.5 30.4 5,536.2 69.6 7,949.7 100.0 Over Premium 1,417,804 20.2 5,594,672 79.8 7,012,476 100.0 Average $587 $1,011 $882

Total Exposure 71,809.8 36.7 123,733.3 63.3 195,543.1 100.0 Premium 12,976,983 25.3 38,298,672 74.7 51,275,655 100.0 Average $181 $310 $262

2018 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 18,534.4 94.6 1,063.5 5.4 19,597.9 100.0 Under Premium 2,043,987 87.8 283,246 12.2 2,327,233 100.0 Average $110 $266 $119

$14,000 to Exposure 6,687.3 94.7 375.3 5.3 7,062.5 100.0 $19,999 Premium 896,425 89.4 106,775 10.6 1,003,200 100.0 Average $134 $285 $142

$20,000 to Exposure 15,538.9 94.7 868.0 5.3 16,406.9 100.0 $25,999 Premium 2,210,333 89.0 273,312 11.0 2,483,645 100.0 Average $142 $315 $151

$26,000 to Exposure 9,445.8 91.8 843.3 8.2 10,289.1 100.0 $31,999 Premium 1,365,234 84.1 258,105 15.9 1,623,339 100.0 Average $145 $306 $158

$32,000 to Exposure 3,743.6 89.2 454.9 10.8 4,198.5 100.0 $37,999 Premium 557,373 79.3 145,382 20.7 702,755 100.0 Average $149 $320 $167

$38,000 to Exposure 2,724.7 85.7 454.2 14.3 3,178.8 100.0 $43,999 Premium 452,295 75.1 150,159 24.9 602,454 100.0 Average $166 $331 $190

$44,000 to Exposure 1,087.3 79.0 288.5 21.0 1,375.8 100.0 $49,999 Premium 178,543 67.1 87,663 32.9 266,206 100.0 Average $164 $304 $193

$50,000 to Exposure 7,976.8 78.6 2,177.3 21.4 10,154.0 100.0 $74,999 Premium 1,530,679 64.7 834,211 35.3 2,364,890 100.0 Average $192 $383 $233

$75,000 to Exposure 1,822.7 65.9 942.1 34.1 2,764.8 100.0 $99,999 Premium 435,931 52.5 395,184 47.5 831,115 100.0 Average $239 $419 $301

$100,000 and Exposure 3,227.8 57.7 2,367.2 42.3 5,595.0 100.0 Over Premium 1,064,532 40.0 1,594,968 60.0 2,659,500 100.0 Average $330 $674 $475

Total Exposure 70,789.2 87.8 9,834.2 12.2 80,623.3 100.0 Premium 10,735,332 72.2 4,129,005 27.8 14,864,337 100.0 Average $152 $420 $184

2018 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 116,420.3 77.5 33,710.9 22.5 150,131.2 100.0 Under Premium 15,162,544 61.1 9,639,273 38.9 24,801,817 100.0 Average $130 $286 $165

$14,000 to Exposure 82,171.4 78.5 22,465.9 21.5 104,637.3 100.0 $19,999 Premium 12,243,671 64.5 6,738,897 35.5 18,982,568 100.0 Average $149 $300 $181

$20,000 to Exposure 120,468.8 71.0 49,111.3 29.0 169,580.1 100.0 $25,999 Premium 18,435,030 57.0 13,916,268 43.0 32,351,298 100.0 Average $153 $283 $191

$26,000 to Exposure 80,803.2 65.2 43,150.0 34.8 123,953.2 100.0 $31,999 Premium 13,217,028 48.2 14,205,498 51.8 27,422,526 100.0 Average $164 $329 $221

$32,000 to Exposure 31,627.3 55.8 25,020.3 44.2 56,647.7 100.0 $37,999 Premium 5,286,169 38.0 8,609,946 62.0 13,896,115 100.0 Average $167 $344 $245

$38,000 to Exposure 24,157.3 49.1 24,996.4 50.9 49,153.7 100.0 $43,999 Premium 4,176,725 32.4 8,697,061 67.6 12,873,786 100.0 Average $173 $348 $262

$44,000 to Exposure 11,872.9 45.2 14,381.9 54.8 26,254.8 100.0 $49,999 Premium 2,087,832 29.4 5,007,576 70.6 7,095,408 100.0 Average $176 $348 $270

$50,000 to Exposure 58,912.6 38.4 94,354.9 61.6 153,267.5 100.0 $74,999 Premium 11,679,995 23.9 37,187,196 76.1 48,867,191 100.0 Average $198 $394 $319

$75,000 to Exposure 13,349.9 27.7 34,811.7 72.3 48,161.6 100.0 $99,999 Premium 3,307,554 17.3 15,783,913 82.7 19,091,467 100.0 Average $248 $453 $396

$100,000 and Exposure 23,240.8 26.0 66,068.3 74.0 89,309.0 100.0 Over Premium 8,012,067 15.9 42,451,398 84.1 50,463,465 100.0 Average $345 $643 $565

Total Exposure 563,024.4 58.0 408,071.6 42.0 971,096.0 100.0 Premium 93,608,615 36.6 162,237,026 63.4 255,845,641 100.0 Average $166 $398 $263

2018 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 70,108.3 95.1 3,615.0 4.9 73,723.3 100.0 Under Premium 9,593,265 91.0 952,954 9.0 10,546,219 100.0 Average $137 $264 $143

$14,000 to Exposure 55,354.7 97.9 1,205.0 2.1 56,559.7 100.0 $19,999 Premium 8,927,042 96.6 318,018 3.4 9,245,060 100.0 Average $161 $264 $163

$20,000 to Exposure 65,065.2 95.5 3,068.8 4.5 68,133.9 100.0 $25,999 Premium 10,626,902 92.5 860,282 7.5 11,487,184 100.0 Average $163 $280 $169

$26,000 to Exposure 39,234.7 92.1 3,364.2 7.9 42,598.8 100.0 $31,999 Premium 7,088,019 88.1 961,648 11.9 8,049,667 100.0 Average $181 $286 $189

$32,000 to Exposure 14,594.2 86.6 2,257.8 13.4 16,852.0 100.0 $37,999 Premium 2,482,651 79.7 631,269 20.3 3,113,920 100.0 Average $170 $280 $185

$38,000 to Exposure 9,775.4 80.7 2,337.1 19.3 12,112.5 100.0 $43,999 Premium 1,830,083 72.9 681,546 27.1 2,511,629 100.0 Average $187 $292 $207

$44,000 to Exposure 4,201.5 74.9 1,406.2 25.1 5,607.7 100.0 $49,999 Premium 769,024 64.5 423,974 35.5 1,192,998 100.0 Average $183 $302 $213

$50,000 to Exposure 24,640.4 67.1 12,106.3 32.9 36,746.7 100.0 $74,999 Premium 5,338,233 57.2 3,997,915 42.8 9,336,148 100.0 Average $217 $330 $254

$75,000 to Exposure 5,021.2 44.4 6,300.0 55.6 11,321.2 100.0 $99,999 Premium 1,364,817 37.5 2,271,248 62.5 3,636,065 100.0 Average $272 $361 $321

$100,000 and Exposure 9,293.0 44.9 11,381.9 55.1 20,674.9 100.0 Over Premium 3,037,765 35.4 5,533,434 64.6 8,571,199 100.0 Average $327 $486 $415

Total Exposure 297,288.5 86.3 47,042.2 13.7 344,330.7 100.0 Premium 51,057,801 75.4 16,632,288 24.6 67,690,089 100.0 Average $172 $354 $197

2018 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 20,181.3 84.4 3,735.9 15.6 23,917.2 100.0 Under Premium 2,275,626 77.4 663,209 22.6 2,938,835 100.0 Average $113 $178 $123

$14,000 to Exposure 17,074.1 96.8 555.8 3.2 17,629.8 100.0 $19,999 Premium 2,098,355 94.6 120,308 5.4 2,218,663 100.0 Average $123 $216 $126

$20,000 to Exposure 33,221.3 95.0 1,746.8 5.0 34,968.0 100.0 $25,999 Premium 4,408,408 91.1 430,087 8.9 4,838,495 100.0 Average $133 $246 $138

$26,000 to Exposure 23,927.4 91.8 2,125.1 8.2 26,052.5 100.0 $31,999 Premium 3,293,519 86.4 520,039 13.6 3,813,558 100.0 Average $138 $245 $146

$32,000 to Exposure 11,150.9 87.8 1,552.6 12.2 12,703.5 100.0 $37,999 Premium 1,518,450 80.1 376,245 19.9 1,894,695 100.0 Average $136 $242 $149

$38,000 to Exposure 9,851.2 83.2 1,985.1 16.8 11,836.3 100.0 $43,999 Premium 1,482,289 74.2 516,732 25.8 1,999,021 100.0 Average $150 $260 $169

$44,000 to Exposure 4,109.8 77.7 1,178.3 22.3 5,288.2 100.0 $49,999 Premium 603,087 66.7 301,234 33.3 904,321 100.0 Average $147 $256 $171

$50,000 to Exposure 19,751.3 63.7 11,263.8 36.3 31,015.2 100.0 $74,999 Premium 3,249,096 51.4 3,073,133 48.6 6,322,229 100.0 Average $165 $273 $204

$75,000 to Exposure 4,916.6 45.4 5,907.5 54.6 10,824.1 100.0 $99,999 Premium 962,147 34.4 1,831,103 65.6 2,793,250 100.0 Average $196 $310 $258

$100,000 and Exposure 8,822.2 45.3 10,671.1 54.7 19,493.3 100.0 Over Premium 2,082,775 33.2 4,196,057 66.8 6,278,832 100.0 Average $236 $393 $322

Total Exposure 153,006.0 79.0 40,721.9 21.0 193,727.9 100.0 Premium 21,973,752 64.6 12,028,147 35.4 34,001,899 100.0 Average $144 $295 $176

2018 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 30,521.8 97.0 944.3 3.0 31,466.1 100.0 Under Premium 4,120,802 92.6 330,697 7.4 4,451,499 100.0 Average $135 $350 $141

$14,000 to Exposure 22,111.9 98.9 248.3 1.1 22,360.2 100.0 $19,999 Premium 3,426,098 97.6 85,128 2.4 3,511,226 100.0 Average $155 $343 $157

$20,000 to Exposure 49,714.5 98.3 865.1 1.7 50,579.6 100.0 $25,999 Premium 7,759,962 96.6 275,154 3.4 8,035,116 100.0 Average $156 $318 $159

$26,000 to Exposure 19,545.3 96.8 651.9 3.2 20,197.2 100.0 $31,999 Premium 3,374,778 94.1 210,144 5.9 3,584,922 100.0 Average $173 $322 $177

$32,000 to Exposure 7,457.3 94.6 422.7 5.4 7,879.9 100.0 $37,999 Premium 1,234,371 89.7 141,530 10.3 1,375,901 100.0 Average $166 $335 $175

$38,000 to Exposure 6,279.2 92.9 479.9 7.1 6,759.1 100.0 $43,999 Premium 1,171,541 87.6 165,166 12.4 1,336,707 100.0 Average $187 $344 $198

$44,000 to Exposure 2,693.3 90.6 279.4 9.4 2,972.8 100.0 $49,999 Premium 491,470 84.2 92,212 15.8 583,682 100.0 Average $182 $330 $196

$50,000 to Exposure 15,625.3 86.5 2,446.0 13.5 18,071.3 100.0 $74,999 Premium 3,480,196 78.1 977,095 21.9 4,457,291 100.0 Average $223 $399 $247

$75,000 to Exposure 3,545.3 73.4 1,285.3 26.6 4,830.5 100.0 $99,999 Premium 959,982 62.2 583,031 37.8 1,543,013 100.0 Average $271 $454 $319

$100,000 and Exposure 7,027.7 72.9 2,615.0 27.1 9,642.7 100.0 Over Premium 2,309,281 58.5 1,637,873 41.5 3,947,154 100.0 Average $329 $626 $409

Total Exposure 164,521.4 94.1 10,237.8 5.9 174,759.3 100.0 Premium 28,328,481 86.3 4,498,030 13.7 32,826,511 100.0 Average $172 $439 $188

2018 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 42,161.8 93.6 2,862.3 6.4 45,024.1 100.0 Under Premium 5,235,410 88.3 691,428 11.7 5,926,838 100.0 Average $124 $242 $132

$14,000 to Exposure 60,921.6 97.7 1,466.0 2.3 62,387.6 100.0 $19,999 Premium 8,724,893 95.4 423,614 4.6 9,148,507 100.0 Average $143 $289 $147

$20,000 to Exposure 45,172.3 94.0 2,880.9 6.0 48,053.2 100.0 $25,999 Premium 7,392,007 89.3 884,109 10.7 8,276,116 100.0 Average $164 $307 $172

$26,000 to Exposure 25,963.3 86.9 3,898.7 13.1 29,862.0 100.0 $31,999 Premium 4,529,428 80.2 1,115,094 19.8 5,644,522 100.0 Average $174 $286 $189

$32,000 to Exposure 7,765.4 78.6 2,118.3 21.4 9,883.7 100.0 $37,999 Premium 1,419,572 69.4 627,187 30.6 2,046,759 100.0 Average $183 $296 $207

$38,000 to Exposure 5,435.7 71.1 2,205.8 28.9 7,641.4 100.0 $43,999 Premium 1,124,616 62.4 678,940 37.6 1,803,556 100.0 Average $207 $308 $236

$44,000 to Exposure 2,119.5 60.7 1,370.3 39.3 3,489.8 100.0 $49,999 Premium 444,268 51.9 411,250 48.1 855,518 100.0 Average $210 $300 $245

$50,000 to Exposure 14,715.3 59.7 9,950.4 40.3 24,665.7 100.0 $74,999 Premium 3,492,241 50.0 3,488,545 50.0 6,980,786 100.0 Average $237 $351 $283

$75,000 to Exposure 3,234.0 41.5 4,549.7 58.5 7,783.7 100.0 $99,999 Premium 978,838 34.4 1,868,313 65.6 2,847,151 100.0 Average $303 $411 $366

$100,000 and Exposure 5,696.1 40.4 8,400.8 59.6 14,096.9 100.0 Over Premium 2,062,111 28.1 5,282,623 71.9 7,344,734 100.0 Average $362 $629 $521

Total Exposure 213,184.9 84.3 39,703.0 15.7 252,887.9 100.0 Premium 35,403,384 69.6 15,471,103 30.4 50,874,487 100.0 Average $166 $390 $201

2018 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 44,550.5 92.2 3,750.1 7.8 48,300.6 100.0 Under Premium 7,375,889 80.4 1,796,514 19.6 9,172,403 100.0 Average $166 $479 $190

$14,000 to Exposure 15,058.5 95.4 719.9 4.6 15,778.4 100.0 $19,999 Premium 3,297,068 88.0 449,660 12.0 3,746,728 100.0 Average $219 $625 $237

$20,000 to Exposure 38,460.5 95.6 1,775.8 4.4 40,236.3 100.0 $25,999 Premium 8,616,852 89.3 1,034,065 10.7 9,650,917 100.0 Average $224 $582 $240

$26,000 to Exposure 10,492.4 89.4 1,241.8 10.6 11,734.3 100.0 $31,999 Premium 2,872,245 79.1 759,053 20.9 3,631,298 100.0 Average $274 $611 $309

$32,000 to Exposure 4,137.4 83.1 840.8 16.9 4,978.3 100.0 $37,999 Premium 1,148,907 68.6 526,786 31.4 1,675,693 100.0 Average $278 $627 $337

$38,000 to Exposure 3,272.6 82.5 693.5 17.5 3,966.1 100.0 $43,999 Premium 1,022,271 68.7 464,812 31.3 1,487,083 100.0 Average $312 $670 $375

$44,000 to Exposure 1,344.8 75.2 444.0 24.8 1,788.8 100.0 $49,999 Premium 421,911 57.9 306,213 42.1 728,124 100.0 Average $314 $690 $407

$50,000 to Exposure 8,335.3 75.7 2,674.1 24.3 11,009.4 100.0 $74,999 Premium 2,989,344 59.0 2,079,729 41.0 5,069,073 100.0 Average $359 $778 $460

$75,000 to Exposure 1,867.3 69.9 805.5 30.1 2,672.8 100.0 $99,999 Premium 817,188 49.9 821,504 50.1 1,638,692 100.0 Average $438 $1,020 $613

$100,000 and Exposure 3,955.7 72.6 1,492.1 27.4 5,447.8 100.0 Over Premium 2,214,152 46.3 2,567,108 53.7 4,781,260 100.0 Average $560 $1,720 $878

Total Exposure 131,475.0 90.1 14,437.7 9.9 145,912.7 100.0 Premium 30,775,827 74.0 10,805,444 26.0 41,581,271 100.0 Average $234 $748 $285

2018 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 7,169.1 89.9 808.7 10.1 7,977.8 100.0 Under Premium 722,435 78.2 201,335 21.8 923,770 100.0 Average $101 $249 $116

$14,000 to Exposure 6,647.1 88.5 859.6 11.5 7,506.7 100.0 $19,999 Premium 852,333 79.2 224,393 20.8 1,076,726 100.0 Average $128 $261 $143

$20,000 to Exposure 15,668.4 85.9 2,566.4 14.1 18,234.8 100.0 $25,999 Premium 2,092,901 75.8 669,487 24.2 2,762,388 100.0 Average $134 $261 $151

$26,000 to Exposure 9,485.1 82.3 2,033.3 17.7 11,518.4 100.0 $31,999 Premium 1,336,729 70.8 551,982 29.2 1,888,711 100.0 Average $141 $271 $164

$32,000 to Exposure 3,998.0 77.2 1,180.7 22.8 5,178.7 100.0 $37,999 Premium 576,016 64.2 320,765 35.8 896,781 100.0 Average $144 $272 $173

$38,000 to Exposure 2,893.0 74.0 1,017.3 26.0 3,910.3 100.0 $43,999 Premium 444,125 60.4 291,698 39.6 735,823 100.0 Average $154 $287 $188

$44,000 to Exposure 1,155.3 68.9 521.3 31.1 1,676.5 100.0 $49,999 Premium 183,364 54.9 150,741 45.1 334,105 100.0 Average $159 $289 $199

$50,000 to Exposure 6,679.3 58.5 4,739.5 41.5 11,418.8 100.0 $74,999 Premium 1,205,357 43.8 1,547,751 56.2 2,753,108 100.0 Average $180 $327 $241

$75,000 to Exposure 1,573.7 44.9 1,934.8 55.1 3,508.4 100.0 $99,999 Premium 350,059 32.7 720,796 67.3 1,070,855 100.0 Average $222 $373 $305

$100,000 and Exposure 2,381.0 39.1 3,713.5 60.9 6,094.5 100.0 Over Premium 812,290 29.4 1,949,223 70.6 2,761,513 100.0 Average $341 $525 $453

Total Exposure 57,649.9 74.8 19,374.9 25.2 77,024.8 100.0 Premium 8,575,609 56.4 6,628,171 43.6 15,203,780 100.0 Average $149 $342 $197

2018 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 102,961.7 87.7 14,401.3 12.3 117,363.0 100.0 Under Premium 11,862,430 78.4 3,277,598 21.6 15,140,028 100.0 Average $115 $228 $129

$14,000 to Exposure 84,993.1 90.9 8,547.3 9.1 93,540.4 100.0 $19,999 Premium 12,408,286 86.4 1,953,875 13.6 14,362,161 100.0 Average $146 $229 $154

$20,000 to Exposure 141,700.3 89.1 17,272.5 10.9 158,972.8 100.0 $25,999 Premium 20,636,007 83.1 4,201,237 16.9 24,837,244 100.0 Average $146 $243 $156

$26,000 to Exposure 53,041.8 79.7 13,520.5 20.3 66,562.3 100.0 $31,999 Premium 9,233,330 73.3 3,366,174 26.7 12,599,504 100.0 Average $174 $249 $189

$32,000 to Exposure 18,703.4 71.1 7,588.5 28.9 26,291.9 100.0 $37,999 Premium 3,279,521 61.6 2,047,654 38.4 5,327,175 100.0 Average $175 $270 $203

$38,000 to Exposure 12,590.5 60.0 8,385.0 40.0 20,975.5 100.0 $43,999 Premium 2,497,329 51.3 2,371,609 48.7 4,868,938 100.0 Average $198 $283 $232

$44,000 to Exposure 6,271.2 55.0 5,133.3 45.0 11,404.5 100.0 $49,999 Premium 1,239,147 45.7 1,470,075 54.3 2,709,222 100.0 Average $198 $286 $238

$50,000 to Exposure 32,190.8 46.7 36,742.3 53.3 68,933.1 100.0 $74,999 Premium 7,255,916 39.1 11,304,897 60.9 18,560,813 100.0 Average $225 $308 $269

$75,000 to Exposure 7,288.9 36.6 12,628.3 63.4 19,917.2 100.0 $99,999 Premium 2,011,340 29.0 4,930,760 71.0 6,942,100 100.0 Average $276 $390 $349

$100,000 and Exposure 14,826.4 34.9 27,685.8 65.1 42,512.3 100.0 Over Premium 5,934,186 32.8 12,177,003 67.2 18,111,189 100.0 Average $400 $440 $426

Total Exposure 474,568.1 75.8 151,904.9 24.2 626,473.0 100.0 Premium 76,357,492 61.8 47,100,882 38.2 123,458,374 100.0 Average $161 $310 $197

2018 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 75,353.3 82.1 16,480.3 17.9 91,833.5 100.0 Under Premium 9,646,268 66.0 4,969,543 34.0 14,615,811 100.0 Average $128 $302 $159

$14,000 to Exposure 74,591.0 83.1 15,201.3 16.9 89,792.3 100.0 $19,999 Premium 11,629,868 68.5 5,342,342 31.5 16,972,210 100.0 Average $156 $351 $189

$20,000 to Exposure 96,651.6 70.1 41,281.3 29.9 137,932.9 100.0 $25,999 Premium 16,929,962 56.6 12,969,408 43.4 29,899,370 100.0 Average $175 $314 $217

$26,000 to Exposure 43,423.0 60.7 28,121.9 39.3 71,544.9 100.0 $31,999 Premium 8,957,933 47.3 9,991,021 52.7 18,948,954 100.0 Average $206 $355 $265

$32,000 to Exposure 16,305.3 47.7 17,843.3 52.3 34,148.6 100.0 $37,999 Premium 3,545,458 35.2 6,513,647 64.8 10,059,105 100.0 Average $217 $365 $295

$38,000 to Exposure 11,079.5 39.8 16,744.3 60.2 27,823.8 100.0 $43,999 Premium 2,798,814 30.2 6,458,298 69.8 9,257,112 100.0 Average $253 $386 $333

$44,000 to Exposure 4,257.3 31.7 9,184.3 68.3 13,441.7 100.0 $49,999 Premium 1,147,390 24.7 3,489,646 75.3 4,637,036 100.0 Average $270 $380 $345

$50,000 to Exposure 22,106.3 29.2 53,613.4 70.8 75,719.8 100.0 $74,999 Premium 6,810,927 21.5 24,826,445 78.5 31,637,372 100.0 Average $308 $463 $418

$75,000 to Exposure 4,739.5 20.5 18,409.1 79.5 23,148.6 100.0 $99,999 Premium 1,896,563 16.0 9,988,974 84.0 11,885,537 100.0 Average $400 $543 $513

$100,000 and Exposure 8,463.5 18.5 37,394.3 81.5 45,857.8 100.0 Over Premium 4,930,704 14.8 28,414,165 85.2 33,344,869 100.0 Average $583 $760 $727

Total Exposure 356,970.3 58.4 254,273.5 41.6 611,243.8 100.0 Premium 68,293,887 37.7 112,963,489 62.3 181,257,376 100.0 Average $191 $444 $297

2018 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 143,791.7 91.2 13,796.2 8.8 157,587.8 100.0 Under Premium 20,583,409 86.0 3,338,832 14.0 23,922,241 100.0 Average $143 $242 $152

$14,000 to Exposure 61,503.3 89.2 7,438.9 10.8 68,942.2 100.0 $19,999 Premium 10,605,906 83.9 2,029,383 16.1 12,635,289 100.0 Average $172 $273 $183

$20,000 to Exposure 85,917.5 86.4 13,560.7 13.6 99,478.2 100.0 $25,999 Premium 15,839,109 80.5 3,845,980 19.5 19,685,089 100.0 Average $184 $284 $198

$26,000 to Exposure 47,707.3 78.5 13,028.6 21.5 60,735.8 100.0 $31,999 Premium 9,214,715 71.2 3,732,410 28.8 12,947,125 100.0 Average $193 $286 $213

$32,000 to Exposure 16,257.8 65.8 8,432.9 34.2 24,690.8 100.0 $37,999 Premium 3,210,703 57.7 2,355,561 42.3 5,566,264 100.0 Average $197 $279 $225

$38,000 to Exposure 11,766.5 57.5 8,711.6 42.5 20,478.1 100.0 $43,999 Premium 2,624,691 50.1 2,615,540 49.9 5,240,231 100.0 Average $223 $300 $256

$44,000 to Exposure 4,566.0 48.6 4,821.8 51.4 9,387.8 100.0 $49,999 Premium 1,000,321 41.1 1,436,111 58.9 2,436,432 100.0 Average $219 $298 $260

$50,000 to Exposure 31,054.8 41.1 44,419.7 58.9 75,474.4 100.0 $74,999 Premium 8,182,321 35.0 15,175,708 65.0 23,358,029 100.0 Average $263 $342 $309

$75,000 to Exposure 6,153.8 22.4 21,323.7 77.6 27,477.5 100.0 $99,999 Premium 1,970,144 19.2 8,275,929 80.8 10,246,073 100.0 Average $320 $388 $373

$100,000 and Exposure 13,826.9 24.9 41,738.8 75.1 55,565.8 100.0 Over Premium 4,817,496 17.6 22,625,548 82.4 27,443,044 100.0 Average $348 $542 $494

Total Exposure 422,545.5 70.4 177,272.8 29.6 599,818.3 100.0 Premium 78,048,815 54.4 65,431,002 45.6 143,479,817 100.0 Average $185 $369 $239

2018 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 44,784.5 77.4 13,079.8 22.6 57,864.3 100.0 Under Premium 5,318,578 65.5 2,805,977 34.5 8,124,555 100.0 Average $119 $215 $140

$14,000 to Exposure 49,858.3 92.4 4,083.4 7.6 53,941.7 100.0 $19,999 Premium 6,315,817 86.7 972,402 13.3 7,288,219 100.0 Average $127 $238 $135

$20,000 to Exposure 89,146.7 88.8 11,224.5 11.2 100,371.2 100.0 $25,999 Premium 11,506,029 81.0 2,697,646 19.0 14,203,675 100.0 Average $129 $240 $142

$26,000 to Exposure 44,005.9 78.4 12,156.5 21.6 56,162.4 100.0 $31,999 Premium 5,972,882 66.2 3,047,710 33.8 9,020,592 100.0 Average $136 $251 $161

$32,000 to Exposure 17,838.7 70.1 7,624.7 29.9 25,463.3 100.0 $37,999 Premium 2,355,010 55.7 1,874,166 44.3 4,229,176 100.0 Average $132 $246 $166

$38,000 to Exposure 13,809.5 62.5 8,276.0 37.5 22,085.5 100.0 $43,999 Premium 2,001,984 47.8 2,184,122 52.2 4,186,106 100.0 Average $145 $264 $190

$44,000 to Exposure 5,657.0 57.1 4,255.3 42.9 9,912.3 100.0 $49,999 Premium 786,309 41.6 1,104,616 58.4 1,890,925 100.0 Average $139 $260 $191

$50,000 to Exposure 30,178.4 43.4 39,423.8 56.6 69,602.3 100.0 $74,999 Premium 4,973,865 30.2 11,506,869 69.8 16,480,734 100.0 Average $165 $292 $237

$75,000 to Exposure 6,755.8 27.8 17,567.3 72.2 24,323.0 100.0 $99,999 Premium 1,412,753 19.7 5,742,389 80.3 7,155,142 100.0 Average $209 $327 $294

$100,000 and Exposure 16,618.3 33.1 33,590.9 66.9 50,209.3 100.0 Over Premium 3,997,463 20.8 15,214,564 79.2 19,212,027 100.0 Average $241 $453 $383

Total Exposure 318,653.0 67.8 151,282.1 32.2 469,935.1 100.0 Premium 44,640,690 48.6 47,150,461 51.4 91,791,151 100.0 Average $140 $312 $195

2018 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 21,447.2 97.2 623.1 2.8 22,070.3 100.0 Under Premium 3,418,352 92.1 294,254 7.9 3,712,606 100.0 Average $159 $472 $168

$14,000 to Exposure 6,695.1 97.4 178.9 2.6 6,874.0 100.0 $19,999 Premium 1,655,131 95.2 83,103 4.8 1,738,234 100.0 Average $247 $464 $253

$20,000 to Exposure 18,168.3 96.4 672.0 3.6 18,840.3 100.0 $25,999 Premium 4,565,643 93.5 315,554 6.5 4,881,197 100.0 Average $251 $470 $259

$26,000 to Exposure 6,315.7 92.1 542.7 7.9 6,858.3 100.0 $31,999 Premium 1,873,993 87.1 277,712 12.9 2,151,705 100.0 Average $297 $512 $314

$32,000 to Exposure 1,995.9 86.0 323.8 14.0 2,319.7 100.0 $37,999 Premium 604,937 78.4 166,245 21.6 771,182 100.0 Average $303 $513 $332

$38,000 to Exposure 1,723.2 89.1 210.6 10.9 1,933.8 100.0 $43,999 Premium 589,566 84.1 111,614 15.9 701,180 100.0 Average $342 $530 $363

$44,000 to Exposure 551.9 80.0 138.3 20.0 690.2 100.0 $49,999 Premium 200,388 72.6 75,614 27.4 276,002 100.0 Average $363 $547 $400

$50,000 to Exposure 4,278.8 80.9 1,012.3 19.1 5,291.2 100.0 $74,999 Premium 1,690,480 73.9 597,553 26.1 2,288,033 100.0 Average $395 $590 $432

$75,000 to Exposure 963.8 68.6 440.7 31.4 1,404.4 100.0 $99,999 Premium 489,990 64.2 273,520 35.8 763,510 100.0 Average $508 $621 $544

$100,000 and Exposure 2,002.0 69.1 893.2 30.9 2,895.2 100.0 Over Premium 1,098,535 57.1 826,254 42.9 1,924,789 100.0 Average $549 $925 $665

Total Exposure 64,141.8 92.7 5,035.4 7.3 69,177.2 100.0 Premium 16,187,015 84.3 3,021,423 15.7 19,208,438 100.0 Average $252 $600 $278

2018 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 56,909.3 89.3 6,808.0 10.7 63,717.3 100.0 Under Premium 7,797,606 80.7 1,864,370 19.3 9,661,976 100.0 Average $137 $274 $152

$14,000 to Exposure 35,866.0 94.9 1,943.9 5.1 37,809.9 100.0 $19,999 Premium 5,939,499 90.6 617,084 9.4 6,556,583 100.0 Average $166 $317 $173

$20,000 to Exposure 99,977.5 93.2 7,271.6 6.8 107,249.1 100.0 $25,999 Premium 16,702,242 87.6 2,370,902 12.4 19,073,144 100.0 Average $167 $326 $178

$26,000 to Exposure 35,936.3 87.3 5,210.1 12.7 41,146.4 100.0 $31,999 Premium 6,645,286 79.0 1,762,052 21.0 8,407,338 100.0 Average $185 $338 $204

$32,000 to Exposure 12,967.1 79.6 3,322.3 20.4 16,289.3 100.0 $37,999 Premium 2,367,330 67.9 1,120,046 32.1 3,487,376 100.0 Average $183 $337 $214

$38,000 to Exposure 9,785.4 73.7 3,493.6 26.3 13,279.0 100.0 $43,999 Premium 2,000,246 62.4 1,206,891 37.6 3,207,137 100.0 Average $204 $345 $242

$44,000 to Exposure 3,783.2 66.9 1,876.0 33.1 5,659.2 100.0 $49,999 Premium 758,674 53.5 658,808 46.5 1,417,482 100.0 Average $201 $351 $250

$50,000 to Exposure 24,026.9 64.1 13,428.0 35.9 37,454.9 100.0 $74,999 Premium 5,580,109 51.5 5,260,731 48.5 10,840,840 100.0 Average $232 $392 $289

$75,000 to Exposure 5,334.8 49.2 5,499.2 50.8 10,833.9 100.0 $99,999 Premium 1,541,395 38.6 2,449,883 61.4 3,991,278 100.0 Average $289 $446 $368

$100,000 and Exposure 10,707.2 50.9 10,312.7 49.1 21,019.8 100.0 Over Premium 3,621,457 33.2 7,284,303 66.8 10,905,760 100.0 Average $338 $706 $519

Total Exposure 295,293.7 83.3 59,165.3 16.7 354,458.9 100.0 Premium 52,953,844 68.3 24,595,070 31.7 77,548,914 100.0 Average $179 $416 $219

2018 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 10,249.9 86.4 1,614.2 13.6 11,864.1 100.0 Under Premium 1,133,927 74.5 388,425 25.5 1,522,352 100.0 Average $111 $241 $128

$14,000 to Exposure 3,075.2 92.1 264.3 7.9 3,339.5 100.0 $19,999 Premium 410,408 86.9 61,751 13.1 472,159 100.0 Average $133 $234 $141

$20,000 to Exposure 10,448.4 92.2 888.5 7.8 11,336.9 100.0 $25,999 Premium 1,460,480 85.6 246,431 14.4 1,706,911 100.0 Average $140 $277 $151

$26,000 to Exposure 6,849.8 89.4 811.3 10.6 7,661.1 100.0 $31,999 Premium 933,318 80.0 233,118 20.0 1,166,436 100.0 Average $136 $287 $152

$32,000 to Exposure 3,161.0 85.9 520.2 14.1 3,681.2 100.0 $37,999 Premium 422,940 74.4 145,850 25.6 568,790 100.0 Average $134 $280 $155

$38,000 to Exposure 2,753.3 83.8 533.1 16.2 3,286.3 100.0 $43,999 Premium 402,331 72.1 155,884 27.9 558,215 100.0 Average $146 $292 $170

$44,000 to Exposure 1,417.8 82.4 301.9 17.6 1,719.8 100.0 $49,999 Premium 193,686 67.0 95,337 33.0 289,023 100.0 Average $137 $316 $168

$50,000 to Exposure 8,863.6 77.4 2,588.7 22.6 11,452.3 100.0 $74,999 Premium 1,399,531 61.0 896,642 39.0 2,296,173 100.0 Average $158 $346 $200

$75,000 to Exposure 2,162.2 64.0 1,217.9 36.0 3,380.1 100.0 $99,999 Premium 407,057 46.5 468,630 53.5 875,687 100.0 Average $188 $385 $259

$100,000 and Exposure 3,318.3 54.4 2,780.0 45.6 6,098.3 100.0 Over Premium 901,009 34.5 1,712,750 65.5 2,613,759 100.0 Average $272 $616 $429

Total Exposure 52,299.3 81.9 11,520.1 18.1 63,819.4 100.0 Premium 7,664,687 63.5 4,404,818 36.5 12,069,505 100.0 Average $147 $382 $189

2018 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 20,470.8 97.0 623.3 3.0 21,094.1 100.0 Under Premium 2,510,203 94.3 150,547 5.7 2,660,750 100.0 Average $123 $242 $126

$14,000 to Exposure 13,334.3 98.9 152.7 1.1 13,486.9 100.0 $19,999 Premium 1,769,834 97.9 38,851 2.1 1,808,685 100.0 Average $133 $254 $134

$20,000 to Exposure 35,231.1 98.2 629.2 1.8 35,860.3 100.0 $25,999 Premium 4,839,422 96.7 163,278 3.3 5,002,700 100.0 Average $137 $260 $140

$26,000 to Exposure 18,720.0 97.4 491.1 2.6 19,211.1 100.0 $31,999 Premium 2,702,608 95.4 129,494 4.6 2,832,102 100.0 Average $144 $264 $147

$32,000 to Exposure 7,042.3 96.1 283.2 3.9 7,325.5 100.0 $37,999 Premium 987,015 93.1 73,596 6.9 1,060,611 100.0 Average $140 $260 $145

$38,000 to Exposure 5,897.8 94.5 342.9 5.5 6,240.8 100.0 $43,999 Premium 923,899 90.3 98,964 9.7 1,022,863 100.0 Average $157 $289 $164

$44,000 to Exposure 2,655.8 92.7 210.5 7.3 2,866.3 100.0 $49,999 Premium 393,748 87.3 57,113 12.7 450,861 100.0 Average $148 $271 $157

$50,000 to Exposure 13,115.4 88.8 1,649.3 11.2 14,764.7 100.0 $74,999 Premium 2,337,830 81.5 532,236 18.5 2,870,066 100.0 Average $178 $323 $194

$75,000 to Exposure 3,131.6 78.2 872.4 21.8 4,004.0 100.0 $99,999 Premium 689,128 68.3 320,127 31.7 1,009,255 100.0 Average $220 $367 $252

$100,000 and Exposure 5,986.9 76.5 1,841.0 23.5 7,827.9 100.0 Over Premium 1,527,839 61.5 956,984 38.5 2,484,823 100.0 Average $255 $520 $317

Total Exposure 125,586.1 94.7 7,095.4 5.3 132,681.5 100.0 Premium 18,681,526 88.1 2,521,190 11.9 21,202,716 100.0 Average $149 $355 $160

2018 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 68,228.0 80.1 16,920.1 19.9 85,148.1 100.0 Under Premium 9,821,543 62.7 5,843,094 37.3 15,664,637 100.0 Average $144 $345 $184

$14,000 to Exposure 42,958.7 90.1 4,695.4 9.9 47,654.1 100.0 $19,999 Premium 7,142,861 81.3 1,641,287 18.7 8,784,148 100.0 Average $166 $350 $184

$20,000 to Exposure 44,364.0 83.7 8,618.6 16.3 52,982.6 100.0 $25,999 Premium 8,010,173 71.4 3,203,455 28.6 11,213,628 100.0 Average $181 $372 $212

$26,000 to Exposure 22,768.9 74.6 7,757.1 25.4 30,526.0 100.0 $31,999 Premium 4,364,941 59.6 2,963,914 40.4 7,328,855 100.0 Average $192 $382 $240

$32,000 to Exposure 6,891.6 66.7 3,433.7 33.3 10,325.3 100.0 $37,999 Premium 1,302,778 49.7 1,316,869 50.3 2,619,647 100.0 Average $189 $384 $254

$38,000 to Exposure 4,899.3 61.8 3,029.9 38.2 7,929.3 100.0 $43,999 Premium 1,073,590 46.5 1,236,901 53.5 2,310,491 100.0 Average $219 $408 $291

$44,000 to Exposure 1,889.4 51.9 1,747.8 48.1 3,637.3 100.0 $49,999 Premium 409,999 36.9 700,234 63.1 1,110,233 100.0 Average $217 $401 $305

$50,000 to Exposure 13,086.9 57.0 9,887.6 43.0 22,974.5 100.0 $74,999 Premium 3,342,809 42.5 4,518,720 57.5 7,861,529 100.0 Average $255 $457 $342

$75,000 to Exposure 2,726.3 47.9 2,970.3 52.1 5,696.6 100.0 $99,999 Premium 912,921 37.1 1,547,799 62.9 2,460,720 100.0 Average $335 $521 $432

$100,000 and Exposure 5,474.5 54.9 4,506.1 45.1 9,980.6 100.0 Over Premium 2,370,744 37.4 3,976,042 62.6 6,346,786 100.0 Average $433 $882 $636

Total Exposure 213,287.6 77.0 63,566.6 23.0 276,854.2 100.0 Premium 38,752,359 59.0 26,948,315 41.0 65,700,674 100.0 Average $182 $424 $237

2018 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 11,446.7 76.5 3,508.3 23.5 14,955.0 100.0 Under Premium 1,233,921 60.6 801,614 39.4 2,035,535 100.0 Average $108 $228 $136

$14,000 to Exposure 9,899.3 79.7 2,521.3 20.3 12,420.6 100.0 $19,999 Premium 1,196,034 64.4 659,970 35.6 1,856,004 100.0 Average $121 $262 $149

$20,000 to Exposure 18,109.6 79.9 4,544.2 20.1 22,653.8 100.0 $25,999 Premium 2,449,816 66.0 1,264,684 34.0 3,714,500 100.0 Average $135 $278 $164

$26,000 to Exposure 10,035.1 69.0 4,510.9 31.0 14,546.0 100.0 $31,999 Premium 1,441,829 53.4 1,256,742 46.6 2,698,571 100.0 Average $144 $279 $186

$32,000 to Exposure 4,177.5 61.2 2,645.7 38.8 6,823.2 100.0 $37,999 Premium 634,117 46.4 733,428 53.6 1,367,545 100.0 Average $152 $277 $200

$38,000 to Exposure 3,409.0 57.0 2,566.6 43.0 5,975.6 100.0 $43,999 Premium 548,295 41.9 760,879 58.1 1,309,174 100.0 Average $161 $296 $219

$44,000 to Exposure 1,467.8 49.9 1,475.6 50.1 2,943.3 100.0 $49,999 Premium 244,685 35.3 449,451 64.7 694,136 100.0 Average $167 $305 $236

$50,000 to Exposure 7,421.7 41.1 10,625.8 58.9 18,047.5 100.0 $74,999 Premium 1,378,155 27.5 3,632,757 72.5 5,010,912 100.0 Average $186 $342 $278

$75,000 to Exposure 1,648.2 27.6 4,327.8 72.4 5,976.0 100.0 $99,999 Premium 389,631 19.6 1,596,412 80.4 1,986,043 100.0 Average $236 $369 $332

$100,000 and Exposure 2,286.5 27.2 6,105.0 72.8 8,391.5 100.0 Over Premium 799,499 20.7 3,061,990 79.3 3,861,489 100.0 Average $350 $502 $460

Total Exposure 69,901.2 62.0 42,831.3 38.0 112,732.4 100.0 Premium 10,315,982 42.0 14,217,927 58.0 24,533,909 100.0 Average $148 $332 $218

2018 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 95,255.1 75.1 31,564.1 24.9 126,819.2 100.0 Under Premium 10,260,007 50.3 10,146,246 49.7 20,406,253 100.0 Average $108 $321 $161

$14,000 to Exposure 74,117.3 82.9 15,242.3 17.1 89,359.6 100.0 $19,999 Premium 9,102,457 64.3 5,042,820 35.7 14,145,277 100.0 Average $123 $331 $158

$20,000 to Exposure 92,805.8 70.9 38,117.7 29.1 130,923.5 100.0 $25,999 Premium 13,670,513 52.1 12,591,608 47.9 26,262,121 100.0 Average $147 $330 $201

$26,000 to Exposure 52,951.8 66.2 26,988.3 33.8 79,940.1 100.0 $31,999 Premium 8,399,129 45.7 9,984,575 54.3 18,383,704 100.0 Average $159 $370 $230

$32,000 to Exposure 21,844.4 60.1 14,519.2 39.9 36,363.6 100.0 $37,999 Premium 3,529,751 38.8 5,575,450 61.2 9,105,201 100.0 Average $162 $384 $250

$38,000 to Exposure 15,501.2 51.6 14,565.7 48.4 30,066.8 100.0 $43,999 Premium 2,814,545 32.2 5,913,105 67.8 8,727,650 100.0 Average $182 $406 $290

$44,000 to Exposure 8,242.4 48.7 8,681.7 51.3 16,924.1 100.0 $49,999 Premium 1,519,075 30.0 3,536,241 70.0 5,055,316 100.0 Average $184 $407 $299

$50,000 to Exposure 40,978.2 37.7 67,731.2 62.3 108,709.3 100.0 $74,999 Premium 8,918,702 22.1 31,525,133 77.9 40,443,835 100.0 Average $218 $465 $372

$75,000 to Exposure 9,414.3 25.7 27,146.9 74.3 36,561.2 100.0 $99,999 Premium 2,756,074 15.7 14,774,679 84.3 17,530,753 100.0 Average $293 $544 $479

$100,000 and Exposure 15,170.5 22.0 53,835.0 78.0 69,005.5 100.0 Over Premium 7,022,526 16.7 35,066,652 83.3 42,089,178 100.0 Average $463 $651 $610

Total Exposure 426,280.9 58.8 298,391.9 41.2 724,672.8 100.0 Premium 67,992,779 33.6 134,156,509 66.4 202,149,288 100.0 Average $160 $450 $279

2018 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 17,667.7 92.1 1,524.9 7.9 19,192.6 100.0 Under Premium 2,385,865 83.1 483,659 16.9 2,869,524 100.0 Average $135 $317 $150

$14,000 to Exposure 9,887.3 93.7 669.6 6.3 10,556.8 100.0 $19,999 Premium 1,704,641 88.2 227,224 11.8 1,931,865 100.0 Average $172 $339 $183

$20,000 to Exposure 13,266.8 92.3 1,112.1 7.7 14,378.8 100.0 $25,999 Premium 2,443,739 85.9 401,789 14.1 2,845,528 100.0 Average $184 $361 $198

$26,000 to Exposure 9,869.1 91.5 917.6 8.5 10,786.7 100.0 $31,999 Premium 1,789,016 85.0 316,290 15.0 2,105,306 100.0 Average $181 $345 $195

$32,000 to Exposure 3,454.6 86.1 558.3 13.9 4,012.9 100.0 $37,999 Premium 612,182 75.9 194,052 24.1 806,234 100.0 Average $177 $348 $201

$38,000 to Exposure 2,815.0 83.6 553.7 16.4 3,368.7 100.0 $43,999 Premium 554,887 74.6 189,177 25.4 744,064 100.0 Average $197 $342 $221

$44,000 to Exposure 1,282.2 77.1 380.2 22.9 1,662.3 100.0 $49,999 Premium 245,460 67.6 117,902 32.4 363,362 100.0 Average $191 $310 $219

$50,000 to Exposure 7,415.0 78.0 2,097.0 22.0 9,512.0 100.0 $74,999 Premium 1,660,415 67.5 800,878 32.5 2,461,293 100.0 Average $224 $382 $259

$75,000 to Exposure 1,705.9 70.1 726.8 29.9 2,432.7 100.0 $99,999 Premium 469,660 59.8 315,621 40.2 785,281 100.0 Average $275 $434 $323

$100,000 and Exposure 3,356.1 72.7 1,258.0 27.3 4,614.1 100.0 Over Premium 1,278,012 60.1 847,618 39.9 2,125,630 100.0 Average $381 $674 $461

Total Exposure 70,719.5 87.8 9,798.1 12.2 80,517.6 100.0 Premium 13,143,877 77.1 3,894,210 22.9 17,038,087 100.0 Average $186 $397 $212

2018 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 114,315.7 86.4 18,060.8 13.6 132,376.5 100.0 Under Premium 13,443,001 71.9 5,261,874 28.1 18,704,875 100.0 Average $118 $291 $141

$14,000 to Exposure 115,364.9 75.1 38,304.0 24.9 153,668.9 100.0 $19,999 Premium 14,692,158 57.7 10,782,537 42.3 25,474,695 100.0 Average $127 $281 $166

$20,000 to Exposure 216,224.1 68.1 101,344.4 31.9 317,568.5 100.0 $25,999 Premium 32,446,798 56.0 25,464,176 44.0 57,910,974 100.0 Average $150 $251 $182

$26,000 to Exposure 151,725.2 71.0 61,837.3 29.0 213,562.4 100.0 $31,999 Premium 23,993,920 56.1 18,809,073 43.9 42,802,993 100.0 Average $158 $304 $200

$32,000 to Exposure 56,642.0 67.2 27,656.5 32.8 84,298.5 100.0 $37,999 Premium 9,739,592 50.2 9,645,924 49.8 19,385,516 100.0 Average $172 $349 $230

$38,000 to Exposure 49,554.9 59.2 34,204.3 40.8 83,759.3 100.0 $43,999 Premium 9,560,217 42.4 12,998,995 57.6 22,559,212 100.0 Average $193 $380 $269

$44,000 to Exposure 31,168.2 62.0 19,070.3 38.0 50,238.4 100.0 $49,999 Premium 6,327,254 46.0 7,431,920 54.0 13,759,174 100.0 Average $203 $390 $274

$50,000 to Exposure 119,941.2 43.6 155,028.6 56.4 274,969.8 100.0 $74,999 Premium 27,524,980 28.7 68,531,471 71.3 96,056,451 100.0 Average $229 $442 $349

$75,000 to Exposure 28,678.7 40.6 41,892.7 59.4 70,571.3 100.0 $99,999 Premium 9,166,908 27.0 24,739,774 73.0 33,906,682 100.0 Average $320 $591 $480

$100,000 and Exposure 54,097.8 30.4 123,576.7 69.6 177,674.4 100.0 Over Premium 30,119,540 15.9 159,503,564 84.1 189,623,104 100.0 Average $557 $1,291 $1,067

Total Exposure 937,712.5 60.2 620,975.5 39.8 1,558,688.0 100.0 Premium 177,014,368 34.0 343,169,308 66.0 520,183,676 100.0 Average $189 $553 $334

2018 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 60,996.8 92.4 5,009.6 7.6 66,006.3 100.0 Under Premium 4,957,172 76.8 1,496,622 23.2 6,453,794 100.0 Average $81 $299 $98

$14,000 to Exposure 48,290.4 94.8 2,667.2 5.2 50,957.6 100.0 $19,999 Premium 5,424,310 87.3 786,944 12.7 6,211,254 100.0 Average $112 $295 $122

$20,000 to Exposure 220,693.8 95.6 10,110.3 4.4 230,804.2 100.0 $25,999 Premium 29,931,424 89.4 3,535,657 10.6 33,467,081 100.0 Average $136 $350 $145

$26,000 to Exposure 61,902.8 89.2 7,499.3 10.8 69,402.1 100.0 $31,999 Premium 11,052,905 80.9 2,608,979 19.1 13,661,884 100.0 Average $179 $348 $197

$32,000 to Exposure 16,249.9 77.1 4,814.6 22.9 21,064.5 100.0 $37,999 Premium 3,065,264 65.3 1,626,148 34.7 4,691,412 100.0 Average $189 $338 $223

$38,000 to Exposure 12,465.7 73.1 4,590.8 26.9 17,056.5 100.0 $43,999 Premium 2,863,100 61.6 1,786,205 38.4 4,649,305 100.0 Average $230 $389 $273

$44,000 to Exposure 3,985.3 64.9 2,157.1 35.1 6,142.4 100.0 $49,999 Premium 963,055 54.2 815,294 45.8 1,778,349 100.0 Average $242 $378 $290

$50,000 to Exposure 28,951.8 64.2 16,115.0 35.8 45,066.8 100.0 $74,999 Premium 8,525,694 53.3 7,475,942 46.7 16,001,636 100.0 Average $294 $464 $355

$75,000 to Exposure 6,159.8 52.7 5,535.6 47.3 11,695.3 100.0 $99,999 Premium 2,358,871 43.7 3,044,193 56.3 5,403,064 100.0 Average $383 $550 $462

$100,000 and Exposure 9,323.8 49.6 9,488.7 50.4 18,812.4 100.0 Over Premium 5,054,443 39.3 7,804,478 60.7 12,858,921 100.0 Average $542 $823 $684

Total Exposure 469,020.0 87.3 67,988.2 12.7 537,008.2 100.0 Premium 74,196,238 70.5 30,980,463 29.5 105,176,700 100.0 Average $158 $456 $196

2018 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 8,073.1 94.8 442.0 5.2 8,515.1 100.0 Under Premium 878,045 90.6 91,629 9.4 969,674 100.0 Average $109 $207 $114

$14,000 to Exposure 3,748.7 96.9 120.8 3.1 3,869.4 100.0 $19,999 Premium 413,677 93.7 27,759 6.3 441,436 100.0 Average $110 $230 $114

$20,000 to Exposure 11,803.1 96.6 417.8 3.4 12,220.8 100.0 $25,999 Premium 1,384,186 93.1 103,345 6.9 1,487,531 100.0 Average $117 $247 $122

$26,000 to Exposure 7,961.0 94.7 442.0 5.3 8,403.0 100.0 $31,999 Premium 964,631 90.4 102,624 9.6 1,067,255 100.0 Average $121 $232 $127

$32,000 to Exposure 3,219.6 89.9 362.2 10.1 3,581.8 100.0 $37,999 Premium 379,736 81.9 84,075 18.1 463,811 100.0 Average $118 $232 $129

$38,000 to Exposure 2,445.8 86.1 395.3 13.9 2,841.2 100.0 $43,999 Premium 310,751 76.1 97,452 23.9 408,203 100.0 Average $127 $247 $144

$44,000 to Exposure 1,100.9 84.0 209.0 16.0 1,309.9 100.0 $49,999 Premium 130,270 72.4 49,554 27.6 179,824 100.0 Average $118 $237 $137

$50,000 to Exposure 6,191.6 76.4 1,908.0 23.6 8,099.6 100.0 $74,999 Premium 880,069 61.6 548,083 38.4 1,428,152 100.0 Average $142 $287 $176

$75,000 to Exposure 1,448.2 57.0 1,091.9 43.0 2,540.1 100.0 $99,999 Premium 245,722 40.4 361,904 59.6 607,626 100.0 Average $170 $331 $239

$100,000 and Exposure 2,141.4 56.3 1,665.1 43.7 3,806.5 100.0 Over Premium 473,526 37.4 791,953 62.6 1,265,479 100.0 Average $221 $476 $332

Total Exposure 48,133.3 87.2 7,054.0 12.8 55,187.3 100.0 Premium 6,060,613 72.9 2,258,378 27.1 8,318,991 100.0 Average $126 $320 $151

2018 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 89,435.5 86.5 13,913.0 13.5 103,348.5 100.0 Under Premium 11,019,786 79.9 2,768,329 20.1 13,788,115 100.0 Average $123 $199 $133

$14,000 to Exposure 155,355.3 96.8 5,181.7 3.2 160,537.0 100.0 $19,999 Premium 23,254,386 94.6 1,317,881 5.4 24,572,267 100.0 Average $150 $254 $153

$20,000 to Exposure 128,078.8 91.0 12,687.6 9.0 140,766.4 100.0 $25,999 Premium 20,977,461 86.6 3,244,234 13.4 24,221,695 100.0 Average $164 $256 $172

$26,000 to Exposure 79,415.3 86.0 12,904.3 14.0 92,319.5 100.0 $31,999 Premium 13,673,011 80.5 3,322,635 19.5 16,995,646 100.0 Average $172 $257 $184

$32,000 to Exposure 30,972.4 77.7 8,908.3 22.3 39,880.8 100.0 $37,999 Premium 5,435,338 70.6 2,258,786 29.4 7,694,124 100.0 Average $175 $254 $193

$38,000 to Exposure 18,604.9 66.7 9,303.5 33.3 27,908.4 100.0 $43,999 Premium 3,651,918 59.5 2,482,073 40.5 6,133,991 100.0 Average $196 $267 $220

$44,000 to Exposure 8,554.6 59.6 5,796.5 40.4 14,351.1 100.0 $49,999 Premium 1,683,537 52.4 1,528,815 47.6 3,212,352 100.0 Average $197 $264 $224

$50,000 to Exposure 47,401.1 51.2 45,148.7 48.8 92,549.8 100.0 $74,999 Premium 10,548,002 43.7 13,590,476 56.3 24,138,478 100.0 Average $223 $301 $261

$75,000 to Exposure 10,433.6 32.3 21,844.8 67.7 32,278.4 100.0 $99,999 Premium 2,871,990 28.0 7,402,780 72.0 10,274,770 100.0 Average $275 $339 $318

$100,000 and Exposure 19,673.8 36.2 34,707.5 63.8 54,381.3 100.0 Over Premium 6,329,309 27.9 16,380,761 72.1 22,710,070 100.0 Average $322 $472 $418

Total Exposure 587,925.3 77.5 170,395.8 22.5 758,321.1 100.0 Premium 99,444,738 64.7 54,296,770 35.3 153,741,508 100.0 Average $169 $319 $203

2018 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 34,081.3 93.5 2,354.9 6.5 36,436.2 100.0 Under Premium 5,646,461 85.3 975,315 14.7 6,621,776 100.0 Average $166 $414 $182

$14,000 to Exposure 15,697.4 97.7 375.8 2.3 16,073.2 100.0 $19,999 Premium 3,602,359 95.3 178,062 4.7 3,780,421 100.0 Average $229 $474 $235

$20,000 to Exposure 45,381.7 97.9 966.0 2.1 46,347.7 100.0 $25,999 Premium 9,565,502 95.1 492,516 4.9 10,058,018 100.0 Average $211 $510 $217

$26,000 to Exposure 15,280.8 94.3 922.8 5.7 16,203.6 100.0 $31,999 Premium 3,829,203 88.8 482,547 11.2 4,311,750 100.0 Average $251 $523 $266

$32,000 to Exposure 5,668.0 91.4 531.8 8.6 6,199.8 100.0 $37,999 Premium 1,375,018 82.8 286,206 17.2 1,661,224 100.0 Average $243 $538 $268

$38,000 to Exposure 4,899.2 90.1 538.8 9.9 5,437.9 100.0 $43,999 Premium 1,389,255 82.3 299,504 17.7 1,688,759 100.0 Average $284 $556 $311

$44,000 to Exposure 1,795.7 85.8 296.1 14.2 2,091.8 100.0 $49,999 Premium 489,395 73.9 172,793 26.1 662,188 100.0 Average $273 $584 $317

$50,000 to Exposure 13,324.5 86.9 2,005.7 13.1 15,330.2 100.0 $74,999 Premium 4,350,470 77.1 1,291,710 22.9 5,642,180 100.0 Average $327 $644 $368

$75,000 to Exposure 3,181.3 79.8 806.1 20.2 3,987.4 100.0 $99,999 Premium 1,271,525 67.7 606,112 32.3 1,877,637 100.0 Average $400 $752 $471

$100,000 and Exposure 6,934.7 83.5 1,368.1 16.5 8,302.8 100.0 Over Premium 3,001,286 64.8 1,629,204 35.2 4,630,490 100.0 Average $433 $1,191 $558

Total Exposure 146,244.5 93.5 10,165.9 6.5 156,410.4 100.0 Premium 34,520,474 84.3 6,413,969 15.7 40,934,443 100.0 Average $236 $631 $262

2018 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 64,025.0 92.0 5,578.5 8.0 69,603.5 100.0 Under Premium 8,250,712 84.7 1,493,319 15.3 9,744,031 100.0 Average $129 $268 $140

$14,000 to Exposure 45,893.3 96.7 1,582.1 3.3 47,475.3 100.0 $19,999 Premium 6,423,557 93.4 452,111 6.6 6,875,668 100.0 Average $140 $286 $145

$20,000 to Exposure 76,232.9 94.7 4,245.9 5.3 80,478.8 100.0 $25,999 Premium 11,423,323 90.2 1,244,647 9.8 12,667,970 100.0 Average $150 $293 $157

$26,000 to Exposure 45,430.8 93.1 3,358.3 6.9 48,789.1 100.0 $31,999 Premium 7,013,849 87.1 1,036,901 12.9 8,050,750 100.0 Average $154 $309 $165

$32,000 to Exposure 17,152.3 89.9 1,918.3 10.1 19,070.6 100.0 $37,999 Premium 2,676,511 81.7 600,191 18.3 3,276,702 100.0 Average $156 $313 $172

$38,000 to Exposure 12,456.3 86.2 2,000.4 13.8 14,456.8 100.0 $43,999 Premium 2,149,899 76.3 666,734 23.7 2,816,633 100.0 Average $173 $333 $195

$44,000 to Exposure 5,694.1 83.4 1,130.3 16.6 6,824.3 100.0 $49,999 Premium 954,749 72.5 361,561 27.5 1,316,310 100.0 Average $168 $320 $193

$50,000 to Exposure 29,858.3 74.6 10,186.9 25.4 40,045.3 100.0 $74,999 Premium 5,962,281 61.9 3,666,021 38.1 9,628,302 100.0 Average $200 $360 $240

$75,000 to Exposure 6,644.6 62.9 3,911.0 37.1 10,555.6 100.0 $99,999 Premium 1,690,461 52.0 1,561,536 48.0 3,251,997 100.0 Average $254 $399 $308

$100,000 and Exposure 13,990.8 62.0 8,570.4 38.0 22,561.2 100.0 Over Premium 4,589,026 51.1 4,382,741 48.9 8,971,767 100.0 Average $328 $511 $398

Total Exposure 317,378.3 88.2 42,482.1 11.8 359,860.4 100.0 Premium 51,134,368 76.8 15,465,762 23.2 66,600,130 100.0 Average $161 $364 $185

2018 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 91,365.6 88.7 11,582.2 11.3 102,947.8 100.0 Under Premium 10,532,107 77.7 3,029,175 22.3 13,561,282 100.0 Average $115 $262 $132

$14,000 to Exposure 143,092.6 96.6 5,024.8 3.4 148,117.4 100.0 $19,999 Premium 18,725,869 92.8 1,456,748 7.2 20,182,617 100.0 Average $131 $290 $136

$20,000 to Exposure 197,117.8 94.9 10,633.0 5.1 207,750.8 100.0 $25,999 Premium 29,279,797 90.7 2,985,529 9.3 32,265,326 100.0 Average $149 $281 $155

$26,000 to Exposure 92,337.4 91.4 8,655.2 8.6 100,992.6 100.0 $31,999 Premium 14,246,423 84.3 2,661,738 15.7 16,908,161 100.0 Average $154 $308 $167

$32,000 to Exposure 45,102.5 88.0 6,137.3 12.0 51,239.8 100.0 $37,999 Premium 6,945,916 78.3 1,925,333 21.7 8,871,249 100.0 Average $154 $314 $173

$38,000 to Exposure 29,284.4 83.4 5,825.9 16.6 35,110.3 100.0 $43,999 Premium 4,892,809 72.7 1,838,017 27.3 6,730,826 100.0 Average $167 $315 $192

$44,000 to Exposure 14,427.3 78.1 4,034.2 21.9 18,461.5 100.0 $49,999 Premium 2,458,061 65.5 1,292,012 34.5 3,750,073 100.0 Average $170 $320 $203

$50,000 to Exposure 73,759.8 69.7 32,078.6 30.3 105,838.4 100.0 $74,999 Premium 14,493,855 56.2 11,297,155 43.8 25,791,010 100.0 Average $197 $352 $244

$75,000 to Exposure 16,642.3 51.6 15,635.2 48.4 32,277.5 100.0 $99,999 Premium 3,997,343 39.6 6,089,326 60.4 10,086,669 100.0 Average $240 $389 $312

$100,000 and Exposure 27,461.8 43.5 35,690.8 56.5 63,152.6 100.0 Over Premium 9,139,135 32.0 19,454,103 68.0 28,593,238 100.0 Average $333 $545 $453

Total Exposure 730,591.5 84.4 135,297.2 15.6 865,888.7 100.0 Premium 114,711,315 68.8 52,029,136 31.2 166,740,451 100.0 Average $157 $385 $193

2018 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 9,121.3 86.7 1,399.8 13.3 10,521.1 100.0 Under Premium 1,231,847 72.8 459,285 27.2 1,691,132 100.0 Average $135 $328 $161

$14,000 to Exposure 9,740.3 86.4 1,532.5 13.6 11,272.8 100.0 $19,999 Premium 1,335,440 70.9 549,248 29.1 1,884,688 100.0 Average $137 $358 $167

$20,000 to Exposure 10,177.2 76.6 3,110.6 23.4 13,287.8 100.0 $25,999 Premium 1,752,419 60.5 1,144,662 39.5 2,897,081 100.0 Average $172 $368 $218

$26,000 to Exposure 4,730.3 66.0 2,431.7 34.0 7,162.0 100.0 $31,999 Premium 973,271 51.5 915,494 48.5 1,888,765 100.0 Average $206 $376 $264

$32,000 to Exposure 1,616.5 56.5 1,243.6 43.5 2,860.1 100.0 $37,999 Premium 353,802 42.6 477,460 57.4 831,262 100.0 Average $219 $384 $291

$38,000 to Exposure 1,075.9 44.4 1,347.1 55.6 2,423.0 100.0 $43,999 Premium 258,643 31.9 553,052 68.1 811,695 100.0 Average $240 $411 $335

$44,000 to Exposure 521.4 44.1 661.1 55.9 1,182.5 100.0 $49,999 Premium 140,551 34.3 269,755 65.7 410,306 100.0 Average $270 $408 $347

$50,000 to Exposure 2,569.5 34.6 4,849.8 65.4 7,419.3 100.0 $74,999 Premium 772,670 23.7 2,492,676 76.3 3,265,346 100.0 Average $301 $514 $440

$75,000 to Exposure 528.2 26.1 1,491.8 73.9 2,019.9 100.0 $99,999 Premium 207,120 17.8 956,601 82.2 1,163,721 100.0 Average $392 $641 $576

$100,000 and Exposure 972.8 30.4 2,228.2 69.6 3,200.9 100.0 Over Premium 569,444 19.6 2,337,002 80.4 2,906,446 100.0 Average $585 $1,049 $908

Total Exposure 41,053.3 66.9 20,296.0 33.1 61,349.3 100.0 Premium 7,595,207 42.8 10,155,235 57.2 17,750,442 100.0 Average $185 $500 $289

2018 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 58,063.8 85.5 9,851.8 14.5 67,915.5 100.0 Under Premium 8,163,483 69.0 3,670,713 31.0 11,834,196 100.0 Average $141 $373 $174

$14,000 to Exposure 26,293.5 87.7 3,681.6 12.3 29,975.1 100.0 $19,999 Premium 4,365,168 73.7 1,555,307 26.3 5,920,475 100.0 Average $166 $422 $198

$20,000 to Exposure 67,854.3 86.6 10,494.3 13.4 78,348.7 100.0 $25,999 Premium 11,184,658 71.5 4,459,858 28.5 15,644,516 100.0 Average $165 $425 $200

$26,000 to Exposure 24,018.8 78.0 6,763.9 22.0 30,782.8 100.0 $31,999 Premium 4,869,427 62.7 2,892,482 37.3 7,761,909 100.0 Average $203 $428 $252

$32,000 to Exposure 6,457.6 64.2 3,605.9 35.8 10,063.5 100.0 $37,999 Premium 1,272,183 46.1 1,489,696 53.9 2,761,879 100.0 Average $197 $413 $274

$38,000 to Exposure 5,235.9 63.1 3,065.3 36.9 8,301.3 100.0 $43,999 Premium 1,199,571 45.4 1,444,796 54.6 2,644,367 100.0 Average $229 $471 $319

$44,000 to Exposure 2,035.8 56.2 1,588.3 43.8 3,624.1 100.0 $49,999 Premium 450,369 39.4 691,386 60.6 1,141,755 100.0 Average $221 $435 $315

$50,000 to Exposure 15,789.9 57.1 11,841.9 42.9 27,631.8 100.0 $74,999 Premium 4,150,975 40.8 6,017,340 59.2 10,168,315 100.0 Average $263 $508 $368

$75,000 to Exposure 3,129.4 42.4 4,253.1 57.6 7,382.5 100.0 $99,999 Premium 1,022,200 29.1 2,488,114 70.9 3,510,314 100.0 Average $327 $585 $475

$100,000 and Exposure 7,398.7 53.3 6,494.9 46.7 13,893.6 100.0 Over Premium 3,141,916 34.0 6,089,086 66.0 9,231,002 100.0 Average $425 $938 $664

Total Exposure 216,277.8 77.8 61,641.0 22.2 277,918.8 100.0 Premium 39,819,950 56.4 30,798,778 43.6 70,618,728 100.0 Average $184 $500 $254

2018 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 6,193.8 96.9 196.7 3.1 6,390.5 100.0 Under Premium 638,601 93.5 44,492 6.5 683,093 100.0 Average $103 $226 $107

$14,000 to Exposure 5,619.3 98.8 68.8 1.2 5,688.2 100.0 $19,999 Premium 610,891 97.3 16,877 2.7 627,768 100.0 Average $109 $245 $110

$20,000 to Exposure 13,080.0 98.2 233.6 1.8 13,313.6 100.0 $25,999 Premium 1,530,468 96.7 52,859 3.3 1,583,327 100.0 Average $117 $226 $119

$26,000 to Exposure 7,976.4 96.4 296.5 3.6 8,272.9 100.0 $31,999 Premium 943,001 93.0 71,493 7.0 1,014,494 100.0 Average $118 $241 $123

$32,000 to Exposure 2,674.3 93.3 190.7 6.7 2,865.0 100.0 $37,999 Premium 315,115 87.8 43,861 12.2 358,976 100.0 Average $118 $230 $125

$38,000 to Exposure 2,429.9 90.8 245.8 9.2 2,675.8 100.0 $43,999 Premium 333,945 85.0 58,835 15.0 392,780 100.0 Average $137 $239 $147

$44,000 to Exposure 861.8 87.2 126.2 12.8 988.0 100.0 $49,999 Premium 107,905 79.9 27,205 20.1 135,110 100.0 Average $125 $216 $137

$50,000 to Exposure 5,301.8 80.1 1,316.3 19.9 6,618.2 100.0 $74,999 Premium 808,950 69.3 358,761 30.7 1,167,711 100.0 Average $153 $273 $176

$75,000 to Exposure 1,156.2 63.4 668.5 36.6 1,824.7 100.0 $99,999 Premium 211,491 50.6 206,585 49.4 418,076 100.0 Average $183 $309 $229

$100,000 and Exposure 1,695.6 59.5 1,155.1 40.5 2,850.7 100.0 Over Premium 463,792 48.0 501,995 52.0 965,787 100.0 Average $274 $435 $339

Total Exposure 46,989.3 91.3 4,498.2 8.7 51,487.4 100.0 Premium 5,964,159 81.2 1,382,963 18.8 7,347,122 100.0 Average $127 $307 $143

2018 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 74,674.0 90.6 7,792.4 9.4 82,466.4 100.0 Under Premium 10,722,142 80.9 2,530,192 19.1 13,252,334 100.0 Average $144 $325 $161

$14,000 to Exposure 83,513.1 97.2 2,412.8 2.8 85,925.9 100.0 $19,999 Premium 14,192,956 94.1 889,228 5.9 15,082,184 100.0 Average $170 $369 $176

$20,000 to Exposure 63,664.8 92.1 5,452.3 7.9 69,117.2 100.0 $25,999 Premium 12,213,021 85.1 2,140,035 14.9 14,353,056 100.0 Average $192 $392 $208

$26,000 to Exposure 34,009.7 86.8 5,180.8 13.2 39,190.5 100.0 $31,999 Premium 7,268,691 77.7 2,086,886 22.3 9,355,577 100.0 Average $214 $403 $239

$32,000 to Exposure 10,698.6 78.2 2,978.6 21.8 13,677.2 100.0 $37,999 Premium 2,252,415 65.7 1,175,751 34.3 3,428,166 100.0 Average $211 $395 $251

$38,000 to Exposure 7,870.8 72.4 2,997.3 27.6 10,868.1 100.0 $43,999 Premium 1,873,069 60.4 1,228,532 39.6 3,101,601 100.0 Average $238 $410 $285

$44,000 to Exposure 2,897.6 65.3 1,541.2 34.7 4,438.8 100.0 $49,999 Premium 704,002 52.1 647,616 47.9 1,351,618 100.0 Average $243 $420 $305

$50,000 to Exposure 24,510.2 64.2 13,662.0 35.8 38,172.2 100.0 $74,999 Premium 6,353,168 50.4 6,258,263 49.6 12,611,431 100.0 Average $259 $458 $330

$75,000 to Exposure 5,845.2 48.9 6,119.3 51.1 11,964.5 100.0 $99,999 Premium 1,871,677 37.4 3,136,896 62.6 5,008,573 100.0 Average $320 $513 $419

$100,000 and Exposure 12,272.8 51.9 11,380.5 48.1 23,653.3 100.0 Over Premium 4,898,548 37.8 8,058,654 62.2 12,957,202 100.0 Average $399 $708 $548

Total Exposure 319,956.7 84.3 59,517.3 15.7 379,473.9 100.0 Premium 62,349,689 68.9 28,152,053 31.1 90,501,742 100.0 Average $195 $473 $238

2018 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 482,929.5 98.1 9,133.6 1.9 492,063.1 100.0 Under Premium 78,419,520 94.6 4,488,897 5.4 82,908,417 100.0 Average $162 $491 $168

$14,000 to Exposure 210,152.3 98.9 2,329.7 1.1 212,481.9 100.0 $19,999 Premium 39,776,173 96.9 1,265,603 3.1 41,041,776 100.0 Average $189 $543 $193

$20,000 to Exposure 450,229.6 97.5 11,669.7 2.5 461,899.3 100.0 $25,999 Premium 94,460,321 93.5 6,567,994 6.5 101,028,315 100.0 Average $210 $563 $219

$26,000 to Exposure 171,992.4 96.2 6,861.5 3.8 178,853.9 100.0 $31,999 Premium 43,751,095 91.8 3,913,655 8.2 47,664,750 100.0 Average $254 $570 $267

$32,000 to Exposure 62,781.3 93.4 4,434.4 6.6 67,215.8 100.0 $37,999 Premium 12,763,035 82.9 2,632,833 17.1 15,395,868 100.0 Average $203 $594 $229

$38,000 to Exposure 42,760.8 89.5 5,019.9 10.5 47,780.8 100.0 $43,999 Premium 11,999,342 80.4 2,924,458 19.6 14,923,800 100.0 Average $281 $583 $312

$44,000 to Exposure 14,282.1 80.5 3,457.1 19.5 17,739.2 100.0 $49,999 Premium 3,944,450 65.4 2,088,964 34.6 6,033,414 100.0 Average $276 $604 $340

$50,000 to Exposure 98,990.1 81.9 21,899.1 18.1 120,889.2 100.0 $74,999 Premium 33,923,349 70.1 14,455,162 29.9 48,378,511 100.0 Average $343 $660 $400

$75,000 to Exposure 24,196.6 66.2 12,379.6 33.8 36,576.2 100.0 $99,999 Premium 11,289,331 55.0 9,242,498 45.0 20,531,829 100.0 Average $467 $747 $561

$100,000 and Exposure 46,922.4 59.1 32,486.0 40.9 79,408.4 100.0 Over Premium 30,835,855 44.1 39,112,014 55.9 69,947,869 100.0 Average $657 $1,204 $881

Total Exposure 1,605,237.1 93.6 109,670.5 6.4 1,714,907.6 100.0 Premium 361,162,471 80.6 86,692,078 19.4 447,854,549 100.0 Average $225 $790 $261

2018 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 24,429.3 75.0 8,157.6 25.0 32,586.9 100.0 Under Premium 3,763,168 72.8 1,403,902 27.2 5,167,070 100.0 Average $154 $172 $159

$14,000 to Exposure 32,915.8 89.8 3,730.1 10.2 36,645.9 100.0 $19,999 Premium 4,107,878 84.1 777,135 15.9 4,885,013 100.0 Average $125 $208 $133

$20,000 to Exposure 30,781.0 82.9 6,341.2 17.1 37,122.2 100.0 $25,999 Premium 4,443,507 75.4 1,452,621 24.6 5,896,128 100.0 Average $144 $229 $159

$26,000 to Exposure 19,850.1 74.6 6,757.6 25.4 26,607.7 100.0 $31,999 Premium 2,868,189 65.2 1,527,764 34.8 4,395,953 100.0 Average $144 $226 $165

$32,000 to Exposure 6,655.4 61.3 4,201.4 38.7 10,856.8 100.0 $37,999 Premium 1,004,422 51.5 945,261 48.5 1,949,683 100.0 Average $151 $225 $180

$38,000 to Exposure 4,942.2 55.8 3,913.7 44.2 8,855.8 100.0 $43,999 Premium 807,897 47.4 896,636 52.6 1,704,533 100.0 Average $163 $229 $192

$44,000 to Exposure 2,349.1 54.6 1,949.5 45.4 4,298.6 100.0 $49,999 Premium 376,288 45.8 446,161 54.2 822,449 100.0 Average $160 $229 $191

$50,000 to Exposure 13,112.6 48.1 14,150.5 51.9 27,263.1 100.0 $74,999 Premium 2,437,758 39.4 3,754,706 60.6 6,192,464 100.0 Average $186 $265 $227

$75,000 to Exposure 2,873.5 35.6 5,193.4 64.4 8,066.9 100.0 $99,999 Premium 688,948 30.3 1,587,407 69.7 2,276,355 100.0 Average $240 $306 $282

$100,000 and Exposure 4,834.5 34.0 9,383.9 66.0 14,218.4 100.0 Over Premium 1,648,745 27.5 4,340,939 72.5 5,989,684 100.0 Average $341 $463 $421

Total Exposure 142,743.5 69.1 63,778.8 30.9 206,522.3 100.0 Premium 22,146,800 56.4 17,132,532 43.6 39,279,332 100.0 Average $155 $269 $190

2018 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 4,053.4 83.4 805.5 16.6 4,858.9 100.0 Under Premium 384,986 69.1 172,420 30.9 557,406 100.0 Average $95 $214 $115

$14,000 to Exposure 3,613.2 82.3 775.2 17.7 4,388.3 100.0 $19,999 Premium 414,509 68.8 187,896 31.2 602,405 100.0 Average $115 $242 $137

$20,000 to Exposure 6,955.9 79.5 1,790.5 20.5 8,746.4 100.0 $25,999 Premium 947,756 67.0 466,878 33.0 1,414,634 100.0 Average $136 $261 $162

$26,000 to Exposure 3,860.1 68.1 1,809.8 31.9 5,669.9 100.0 $31,999 Premium 555,435 53.6 479,869 46.4 1,035,304 100.0 Average $144 $265 $183

$32,000 to Exposure 1,912.4 66.5 964.8 33.5 2,877.3 100.0 $37,999 Premium 294,588 53.4 257,321 46.6 551,909 100.0 Average $154 $267 $192

$38,000 to Exposure 1,394.2 56.9 1,056.1 43.1 2,450.3 100.0 $43,999 Premium 226,776 42.8 303,053 57.2 529,829 100.0 Average $163 $287 $216

$44,000 to Exposure 638.3 52.8 571.1 47.2 1,209.3 100.0 $49,999 Premium 111,698 40.7 162,777 59.3 274,475 100.0 Average $175 $285 $227

$50,000 to Exposure 3,471.2 45.0 4,249.8 55.0 7,721.0 100.0 $74,999 Premium 658,498 32.3 1,380,073 67.7 2,038,571 100.0 Average $190 $325 $264

$75,000 to Exposure 898.3 33.5 1,786.1 66.5 2,684.3 100.0 $99,999 Premium 221,504 24.8 670,188 75.2 891,692 100.0 Average $247 $375 $332

$100,000 and Exposure 1,363.1 25.4 3,998.5 74.6 5,361.6 100.0 Over Premium 489,572 19.2 2,055,837 80.8 2,545,409 100.0 Average $359 $514 $475

Total Exposure 28,159.9 61.3 17,807.4 38.7 45,967.3 100.0 Premium 4,305,322 41.2 6,136,312 58.8 10,441,634 100.0 Average $153 $345 $227

2018 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 154,585.1 89.2 18,797.0 10.8 173,382.1 100.0 Under Premium 17,537,169 77.9 4,981,356 22.1 22,518,525 100.0 Average $113 $265 $130

$14,000 to Exposure 90,220.3 91.6 8,313.0 8.4 98,533.3 100.0 $19,999 Premium 12,616,647 85.6 2,127,771 14.4 14,744,418 100.0 Average $140 $256 $150

$20,000 to Exposure 137,022.2 88.3 18,209.2 11.7 155,231.3 100.0 $25,999 Premium 20,181,493 79.6 5,179,568 20.4 25,361,061 100.0 Average $147 $284 $163

$26,000 to Exposure 74,808.8 83.5 14,816.8 16.5 89,625.5 100.0 $31,999 Premium 11,718,420 73.6 4,202,019 26.4 15,920,439 100.0 Average $157 $284 $178

$32,000 to Exposure 26,580.1 75.6 8,581.1 24.4 35,161.2 100.0 $37,999 Premium 3,952,064 59.6 2,676,642 40.4 6,628,706 100.0 Average $149 $312 $189

$38,000 to Exposure 20,837.8 71.6 8,245.4 28.4 29,083.2 100.0 $43,999 Premium 3,436,388 56.6 2,631,703 43.4 6,068,091 100.0 Average $165 $319 $209

$44,000 to Exposure 10,081.4 65.6 5,296.0 34.4 15,377.4 100.0 $49,999 Premium 1,627,555 48.7 1,717,651 51.3 3,345,206 100.0 Average $161 $324 $218

$50,000 to Exposure 64,190.5 63.7 36,539.8 36.3 100,730.3 100.0 $74,999 Premium 11,410,515 46.4 13,205,826 53.6 24,616,341 100.0 Average $178 $361 $244

$75,000 to Exposure 15,678.1 53.7 13,501.5 46.3 29,179.6 100.0 $99,999 Premium 3,311,554 35.4 6,044,182 64.6 9,355,736 100.0 Average $211 $448 $321

$100,000 and Exposure 30,858.9 53.9 26,359.8 46.1 57,218.7 100.0 Over Premium 9,115,820 41.0 13,100,764 59.0 22,216,584 100.0 Average $295 $497 $388

Total Exposure 624,863.1 79.8 158,659.4 20.2 783,522.5 100.0 Premium 94,907,625 62.9 55,867,482 37.1 150,775,107 100.0 Average $152 $352 $192

2018 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 130,972.4 89.5 15,409.1 10.5 146,381.5 100.0 Under Premium 15,448,093 78.6 4,199,501 21.4 19,647,594 100.0 Average $118 $273 $134

$14,000 to Exposure 69,358.8 92.5 5,607.4 7.5 74,966.3 100.0 $19,999 Premium 9,866,140 85.7 1,643,580 14.3 11,509,720 100.0 Average $142 $293 $154

$20,000 to Exposure 125,371.1 91.3 12,004.3 8.7 137,375.3 100.0 $25,999 Premium 19,365,933 84.2 3,638,030 15.8 23,003,963 100.0 Average $154 $303 $167

$26,000 to Exposure 95,650.3 90.8 9,690.9 9.2 105,341.3 100.0 $31,999 Premium 14,640,588 82.7 3,059,710 17.3 17,700,298 100.0 Average $153 $316 $168

$32,000 to Exposure 35,150.6 86.0 5,702.3 14.0 40,852.8 100.0 $37,999 Premium 5,277,302 74.7 1,789,800 25.3 7,067,102 100.0 Average $150 $314 $173

$38,000 to Exposure 24,263.3 81.4 5,526.6 18.6 29,789.8 100.0 $43,999 Premium 4,183,108 69.7 1,814,510 30.3 5,997,618 100.0 Average $172 $328 $201

$44,000 to Exposure 11,384.2 76.3 3,533.0 23.7 14,917.2 100.0 $49,999 Premium 1,870,669 62.5 1,123,520 37.5 2,994,189 100.0 Average $164 $318 $201

$50,000 to Exposure 57,118.5 65.7 29,764.2 34.3 86,882.7 100.0 $74,999 Premium 11,525,964 51.5 10,869,060 48.5 22,395,024 100.0 Average $202 $365 $258

$75,000 to Exposure 13,130.3 56.1 10,275.0 43.9 23,405.3 100.0 $99,999 Premium 3,313,019 44.0 4,212,013 56.0 7,525,032 100.0 Average $252 $410 $322

$100,000 and Exposure 25,753.0 55.4 20,705.5 44.6 46,458.5 100.0 Over Premium 8,886,409 42.9 11,833,212 57.1 20,719,621 100.0 Average $345 $572 $446

Total Exposure 588,152.4 83.3 118,218.2 16.7 706,370.6 100.0 Premium 94,377,225 68.1 44,182,936 31.9 138,560,161 100.0 Average $160 $374 $196

2018 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 8,279.3 95.4 397.6 4.6 8,676.8 100.0 Under Premium 1,074,864 92.3 89,735 7.7 1,164,599 100.0 Average $130 $226 $134

$14,000 to Exposure 8,604.0 97.1 256.7 2.9 8,860.7 100.0 $19,999 Premium 1,416,643 95.9 60,302 4.1 1,476,945 100.0 Average $165 $235 $167

$20,000 to Exposure 14,012.7 96.8 459.8 3.2 14,472.4 100.0 $25,999 Premium 2,451,320 95.6 113,296 4.4 2,564,616 100.0 Average $175 $246 $177

$26,000 to Exposure 5,202.7 93.5 363.5 6.5 5,566.2 100.0 $31,999 Premium 1,038,248 91.9 91,255 8.1 1,129,503 100.0 Average $200 $251 $203

$32,000 to Exposure 2,071.6 90.3 222.3 9.7 2,293.9 100.0 $37,999 Premium 416,765 88.1 56,096 11.9 472,861 100.0 Average $201 $252 $206

$38,000 to Exposure 1,580.6 88.7 200.8 11.3 1,781.3 100.0 $43,999 Premium 362,650 87.6 51,320 12.4 413,970 100.0 Average $229 $256 $232

$44,000 to Exposure 707.7 86.3 111.9 13.7 819.6 100.0 $49,999 Premium 152,753 82.1 33,336 17.9 186,089 100.0 Average $216 $298 $227

$50,000 to Exposure 4,277.7 84.8 764.8 15.2 5,042.4 100.0 $74,999 Premium 1,112,051 82.6 234,803 17.4 1,346,854 100.0 Average $260 $307 $267

$75,000 to Exposure 939.2 75.4 306.0 24.6 1,245.2 100.0 $99,999 Premium 303,364 74.7 102,564 25.3 405,928 100.0 Average $323 $335 $326

$100,000 and Exposure 1,425.3 68.8 645.9 31.2 2,071.2 100.0 Over Premium 563,457 62.7 335,246 37.3 898,703 100.0 Average $395 $519 $434

Total Exposure 47,100.5 92.7 3,729.2 7.3 50,829.7 100.0 Premium 8,892,115 88.4 1,167,953 11.6 10,060,068 100.0 Average $189 $313 $198

2018 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 36,441.7 90.3 3,933.2 9.7 40,374.8 100.0 Under Premium 3,982,450 83.4 793,408 16.6 4,775,858 100.0 Average $109 $202 $118

$14,000 to Exposure 30,170.5 94.8 1,643.4 5.2 31,813.9 100.0 $19,999 Premium 3,751,369 91.2 360,235 8.8 4,111,604 100.0 Average $124 $219 $129

$20,000 to Exposure 51,737.5 92.9 3,941.2 7.1 55,678.7 100.0 $25,999 Premium 6,918,126 88.6 894,256 11.4 7,812,382 100.0 Average $134 $227 $140

$26,000 to Exposure 41,354.2 88.9 5,152.3 11.1 46,506.5 100.0 $31,999 Premium 5,702,008 83.0 1,167,243 17.0 6,869,251 100.0 Average $138 $227 $148

$32,000 to Exposure 24,334.8 86.3 3,856.5 13.7 28,191.3 100.0 $37,999 Premium 3,288,492 79.6 842,060 20.4 4,130,552 100.0 Average $135 $218 $147

$38,000 to Exposure 16,338.1 80.9 3,855.3 19.1 20,193.4 100.0 $43,999 Premium 2,377,577 73.0 878,330 27.0 3,255,907 100.0 Average $146 $228 $161

$44,000 to Exposure 7,808.8 77.0 2,333.5 23.0 10,142.3 100.0 $49,999 Premium 1,128,747 68.5 518,221 31.5 1,646,968 100.0 Average $145 $222 $162

$50,000 to Exposure 36,518.8 65.9 18,916.8 34.1 55,435.6 100.0 $74,999 Premium 5,916,758 55.0 4,833,010 45.0 10,749,768 100.0 Average $162 $255 $194

$75,000 to Exposure 9,046.2 46.6 10,348.8 53.4 19,394.9 100.0 $99,999 Premium 1,723,956 37.7 2,854,284 62.3 4,578,240 100.0 Average $191 $276 $236

$100,000 and Exposure 15,929.8 44.5 19,863.3 55.5 35,793.1 100.0 Over Premium 3,667,130 32.7 7,530,915 67.3 11,198,045 100.0 Average $230 $379 $313

Total Exposure 269,680.4 78.5 73,844.2 21.5 343,524.6 100.0 Premium 38,456,613 65.0 20,671,962 35.0 59,128,575 100.0 Average $143 $280 $172

2018 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 4,055.8 87.4 583.4 12.6 4,639.2 100.0 Under Premium 446,094 73.9 157,663 26.1 603,757 100.0 Average $110 $270 $130

$14,000 to Exposure 1,309.6 90.9 130.3 9.1 1,439.9 100.0 $19,999 Premium 183,644 82.5 38,939 17.5 222,583 100.0 Average $140 $299 $155

$20,000 to Exposure 3,556.1 93.3 257.2 6.7 3,813.3 100.0 $25,999 Premium 536,984 87.1 79,648 12.9 616,632 100.0 Average $151 $310 $162

$26,000 to Exposure 2,286.8 90.7 235.3 9.3 2,522.0 100.0 $31,999 Premium 324,074 80.4 78,915 19.6 402,989 100.0 Average $142 $335 $160

$32,000 to Exposure 1,047.2 88.0 143.2 12.0 1,190.3 100.0 $37,999 Premium 146,950 79.2 38,579 20.8 185,529 100.0 Average $140 $269 $156

$38,000 to Exposure 1,093.9 88.6 141.0 11.4 1,234.9 100.0 $43,999 Premium 157,759 78.3 43,699 21.7 201,458 100.0 Average $144 $310 $163

$44,000 to Exposure 584.8 88.5 76.2 11.5 661.0 100.0 $49,999 Premium 78,147 78.6 21,216 21.4 99,363 100.0 Average $134 $279 $150

$50,000 to Exposure 4,826.3 86.9 725.5 13.1 5,551.8 100.0 $74,999 Premium 705,030 75.0 235,573 25.0 940,603 100.0 Average $146 $325 $169

$75,000 to Exposure 1,617.4 79.6 414.1 20.4 2,031.5 100.0 $99,999 Premium 242,845 60.4 159,510 39.6 402,355 100.0 Average $150 $385 $198

$100,000 and Exposure 2,087.2 69.9 897.8 30.1 2,985.0 100.0 Over Premium 467,830 47.8 511,909 52.2 979,739 100.0 Average $224 $570 $328

Total Exposure 22,464.9 86.2 3,603.9 13.8 26,068.8 100.0 Premium 3,289,357 70.7 1,365,651 29.3 4,655,008 100.0 Average $146 $379 $179