Dwelling Fire, Homeowners Owner-Occupied, and Homeowners

Dwelling Fire, Homeowners

Owner-Occupied, and

Homeowners Tenant and

Condominium/Cooperative

Unit Owner’s Insurance

Report: Data for 2021

December 2023

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Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and

Condominium/Cooperative Unit Owners Insurance: Data for 2021

Ta

ble 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: 2021 House-Years by State and Countrywide by Policy Type .................................. 15

Table 2: 2021 House-Years by State and Countrywide by Policy Form .................................. 17

Table 3: 2021 House-Years by State and Countrywide by Amount of Insurance ................... 20

Table 4: 2021 Average Premium by Policy Form by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms .............................. 27

Table 5: 2021 Average Premium by Policy Form by Amount of Insurance

Homeowners Tenants and Condominium/Cooperative Unit Policy Forms............ 132

Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and

Condominium/Cooperative Unit Owners Insurance: Data for 2021

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 2021 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).

1

• Texas data were obtained from the Texas Department of Insurance. Historically, the Texas

department developed its own home insurance policy forms that are similar, but not identical, to

homeowners policy forms countrywide. Although, starting in 2002, insurers were permitted to

file their own independent forms, some companies continue to use the forms previously

promulgated by the department.

• California data were provided by the California Department of Insurance. The state began

collecting homeowners data in 1998, starting with the 1996 data year.

Limitations on the Data

Average premium is an imperfect measure of the relative “price” of insurance due to wide variations in

hazards, economic conditions, and real estate values from state to state. Even when comparing identical

policy forms and amounts of insurance, premiums for homeowners coverage can differ dramatically

across the country. These market differences are explored in more detail in a later section of this

narrative. Premium for a homeowners policy is determined by the amount of insurance purchased

(generally based on the value of the insured property), the types of property covered, the types of perils

covered, and the specific limits and deductibles a policyholder chooses.

Averages developed for this report reflect all 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.

2

Residual Market Data

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 with

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.

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).

3

• HO-5: Provides “all-risks” coverage on buildings and personal property.

• 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

91,264,296.0 house-years. In 2021, homeowners owner-occupied policy exposures accounted for 70.2

percent of overall exposures countrywide. Tenant and condominium policy exposures accounted for 28.3

percent of the total, while dwelling fire exposures made up the remaining 1.5 percent.

Exposure data for the eight individual policy forms is provided in Table 2. The HO-3 accounted for 54.8

percent of all policy exposures and remains the most common policy sold by far. Figure 1 (next page)

shows the percentage breakdown of exposures for the homeowners owner-occupied policy forms only.

Countrywide, 78.2 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, 75.39 percent were written on the HO-4 form.

4

HO-3

78.16%

HO-5

12.90%

HO-2

6.71%

HO-1

1.81%

HO-8

0.41%

Figure 1 - 2021 Percent of Homeowners Owner-Occupied

Written Exposures

Countrywide By Policy Form

HO-4

(Tenants)

75.39%

HO-6

(Condo/Co-op)

24.61%

Figure 2 - 2021 Percent of Tenant and Condominium/

Co-op Written Exposures

Countrywide By Policy Form

5

Tables 3A and 3B present countrywide and by-state exposure data divided between each of the ranges

of insurance coverage amount. Dwelling fire policy data and data for the homeowners owner-occupied

policy forms are grouped together in Table 3A, and data for the HO-4 and HO-6 forms are grouped

together in Table 3B. Countrywide, in 2021, 47.8 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 67.7 percent of the exposures for the HO-4 and HO-6 forms are concentrated at amounts

below $32,000, and 89.5 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 2.2 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 57.2 percent of the total, then drop to 36.9 percent

at insurance amounts of $50,000–$74,999. At coverage amounts above $75,000, dwelling fire exposures

account for 20.3 percent of the total for each range.

Figure 4 compares HO-4 and HO-6 policy forms by coverage amounts. Countrywide, the HO-4 (tenants)

form represents more policies written at lower coverage amounts. At coverage amounts above $44,000,

the majority of exposures are written on the HO-6 (condo/co-op) form.

Tables 4

4

and 5 display state average premiums for each policy form. Examining the countrywide

average premium data for dwelling fire and homeowners owner-occupied policies reveals some

expected results. In general, the average premium increases as the amount of coverage increases for all

policy types. Dwelling fire premiums are generally lower when compared to the five homeowners

premiums, reflecting the more limited coverage offered by dwelling fire policies compared to

homeowners packages.

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.

6

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

100.0%

HO Owner-Occupied

Dwelling Fire

Amount of Insurance

Figure 3 - 2021 Percent Comparison of Dwelling Fire and

Homeowners Owner-Occupied Written Exposures

by Amount of Insurance

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

HO-6 (Condo/Co-op)

HO-4 (Tenants)

Amount of Insurance

Figure 4 - 2021 Percentages of Tenant and Condominium

Written Exposures by Amount of Insurance

7

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.

8

2021 Homeowners Median Amount of Insurance

2021 Dwelling Fire Median Amount of Insurance

9

Since the late 1980s, catastrophes have been occurring with greater frequency and severity, and are a

significant consideration in the pricing of home insurance. The provided data on catastrophe losses

include natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people

injured; or 2,000 filed claims or homes and structures damaged. This data includes losses sustained by

private insurers and government-sponsored programs such as the National Flood Insurance Program. For

the period 2013-2022, the total insured losses for U.S. catastrophes (in 2021 dollars) were more than

$699.7 billion.

6

The following table shows, in descending order of loss, the 10 most costly insured property U.S. natural

catastrophes through 2022.

7

Three of these were hurricanes that occurred in 2017, including Hurricane

Maria.

6

Insurance Information Institute, www.iii.org/facts_statistics/catastrophes-us.html; Subject to change as loss estimates are

further developed. As of January 2023. Adjusted for inflation by Aon using the U.S. Consumer Price Index.

7

Ibid.

Rank Year Peril

Dollars when

Occurred (millions)

In 2021 Dollars

(millions)*

1 2005 Hurricane Katrina $65,000 $98,727

2 2022 Hurricane Ian 52,500 52,553

3 2021 Hurricane Ida 36,000 39,256

4 2012 Hurricane Sandy 30,000 38,688

5 2017 Hurricane Harvey 30,000 36,450

6 2017 Hurricane Irma 30,100 35,714

7 2017 Hurricane Maria 29,500 35,654

8 1992 Hurricane Andrew 16,000 33,875

9 1994 Northridge, CA earthquake 15,300 31,218

10 2008 Hurricane Ike 18,200 24,815

*Adjusted for inflation by Aon using the U.S. Consumer Price Index.

Natural disasters that cause at least $25 million in insured losses; or 10 deaths; or 50 people injured; or 2,000 filed claims or homes and structures damaged. Includes Puerto Rico

and the U.S. Virgin Islands. Includes losses sustained by private insurers and government-sponsored programs such as the National Flood Insurance Program. Subject to change as

loss estimates are further developed. As of January 2023.

10

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

The number of tornadoes averaged 1,165 per year during the 2013-2022 period, but the number in

individual years ranged from a low of 886 in 2014 to a high of 1,517 in 2019.

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 12/31/2022.

9

Insurance Information Institute, www.iii.org/facts_statistics/tornadoes-and-thunderstorms.html; U.S. Department of

Commerce; Storm Prediction Center; National Weather Service.

State

2022 2021 2020

2019 2018 State

2022 2021

2020

2019 2018

Alabama

0 2 6 2 2 Montana 1 2 1 1 2

Alaska

6 1 1 1 2 Nebra

ska 2 1 1 2 2

Arizona 0 1 1 1 2 Neva

da 0 0 1 0 0

Arkansas

0 1 3

2 0 New Ham

pshire

0 2 1

1 3

California

0 2 3

3 3 New Jer

sey

0 2 2

0 1

Colorado

0 2 1

0 0 New Mexico

1 0 1

0 0

Connecticut

0 2 1

0 2 New York

0 2 2

1 1

Delaware

0 1 2

0 0 North Carolina

0 2 3

1 2

District of Columbia

0 0 1

0 0 North Dakota

1 1 4

1 0

Florida

2 0 2

1 1 Ohio

0 0 1

2 1

Georgia

0 2 1

0 1 Oklahoma

1 1 2

2 1

Hawaii

1 1 2

0 3 Oregon

0 1 3

2 0

Idaho

0 1 1

1 0 Pennsylvania

0 1 1

0 1

Illinois

1 0 1

1 0 Rhode Island

1 0 1

0 0

Indiana

0 0 1

0 1 South Carolina

1 0 3

1 1

Iowa

1 0 2

1 2 South Dakota

2 0 1

4 0

Kansas

2 0 1

2 1 Tennessee

2 3 4

2 0

Kentucky

2 3 2

1 2 Texas

0 1 2

3 1

Louisiana

0 4 3

3 0 Utah

0 1 2

0 0

Maine

1 0 1

0 2 Vermont

0 1 2

1 2

Maryland

0 1 1

0 2 Virginia

2 2 1

0 2

Massachusetts

1 0 1

0 2 Washington

2 2 2

1 1

Michigan

0 1 2

0 1 West Virginia

2 2 1

1 2

Minnesota

3 0 1

2 1 Wisconsin

0 0 2

1 2

Mississippi

0 2 6

4 0 Wyoming

0 0 1

0 0

Missouri

2 1 2

2 0

Other*

7 3 10

6 4

Grand Total

2022 2021 2020** 2019

2018

Disaster Declarations

47 58 104 60

59

*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

2018-2022 Disaster Declarations

11

Insurers use computer models to estimate the potential cost of catastrophic events, particularly in the

absence of a sufficient amount of relevant loss experience. For example, the potential insured loss in the

New Madrid region due to an earthquake is predicted to be significant, but the fact that the last major

earthquake in that area occurred in 1812—when there were considerably fewer people and buildings—

makes it difficult to rely on previous experience to accurately price earthquake coverage in the area.

Computer models use insurer exposure and loss experience; geological, meteorological and seismic data;

structural engineering and construction data; and other applicable information to simulate catastrophes

in a specific region to more accurately estimate the cost of paying for losses that could occur. The

methodology used by a catastrophe-modeling firm is typically considered proprietary information, and

insurance regulators have no direct authority over the modelers. However, when a rate filing relies in

part on a computer model, an insurance department may require an insurer or rating organization to

provide supplemental information pertaining to the model’s input data to determine whether the filing

meets the requirements of the state insurance laws.

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.

12

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 66.5 percent of policies sold in Washington, D.C., in 2021 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,

13

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

14

Table 1

2021 House-Years by State and Countrywide by Policy Type

15

State

Alabama 48,752.5 3.6

1,076,144.7 80.5 212,701.5 15.9 1,337,598.7 100.0

Alaska 2,193.4 1.1

155,786.8 74.9 50,104.3 24.1 208,084.5 100.0

Arizona 10,366.8 0.5

1,644,461.0 73.7 575,892.8 25.8 2,230,720.5 100.0

Arkansas 13,964.6 2.4

461,824.3 79.6 104,100.5 18.0 579,889.3 100.0

California 365,937.8 3.5

6,230,962.0 60.2 3,745,639.0 36.2 10,342,538.8 100.0

Colorado 9,395.7 0.4

1,380,037.5 65.8 708,674.5 33.8 2,098,107.7 100.0

Connecticut 3,553.0 0.4

700,346.3 69.4 305,048.7 30.2 1,008,948.0 100.0

Delaware 1,050.8 0.3

222,235.8 73.6 78,541.1 26.0 301,827.6 100.0

Dist. of Columbia 393.1 0.2

80,191.5 33.4 159,815.8 66.5 240,400.4 100.0

Florida 205,053.4 4.2

3,104,615.4 63.0 1,620,476.2 32.9 4,930,145.0 100.0

Georgia 30,778.5 1.0

2,326,742.0 75.2 735,808.7 23.8 3,093,329.3 100.0

Hawaii 2,633.6 0.6

222,964.4 50.8 213,094.3 48.6 438,692.3 100.0

Idaho 1,720.1 0.3

416,612.0 79.0 109,085.8 20.7 527,417.9 100.0

Illinois 13,205.3 0.4

2,592,656.6 70.4 1,074,747.5 29.2 3,680,609.4 100.0

Indiana 6,825.9 0.3

1,604,228.0 79.8 399,546.4 19.9 2,010,600.3

100.0

Iowa 6,086.2 0.7

681,325.8 75.5 215,215.9 23.8 902,627.8 100.0

Kansas 17,940.3 1.9

711,919.0 75.7 210,816.1 22.4 940,675.4 100.0

Kentucky 6,367.7 0.5

918,823.8 76.0 283,285.2 23.4 1,208,476.7 100.0

Louisiana 28,088.4 3.2

693,770.4 79.1 155,121.3 17.7 876,980.1 100.0

Maine 5,420.0 1.2

370,488.8 80.8 82,776.9 18.0 458,685.8 100.0

Maryland 5,889.1 0.3

1,310,430.7 67.8 616,373.2 31.9 1,932,692.9 100.0

Massachusetts 3,250.8 0.2

1,458,680.2 68.6 664,331.3 31.2 2,126,262.3 100.0

Michigan 14,669.7 0.5

2,237,540.3 76.3 678,443.8 23.1 2,930,653.8 100.0

Minnesota 6,079.0 0.3

1,315,392.7 70.1 556,156.9 29.6 1,877,628.6 100.0

Mississippi 21,162.1 4.1

415,083.5 81.2 74,832.9 14.6 511,078.5 100.0

Missouri 18,371.4 1.0

1,364,972.7 75.0 436,452.8 24.0 1,819,796.8 100.0

Montana 2,202.7 0.7

221,034.3 73.6 77,016.6 25.7 300,253.6 100.0

Nebraska 5,552.5 0.9

468,090.8 75.1 149,557.4 24.0 623,200.8 100.0

Nevada 2,879.9 0.3

624,334.0 66.4 313,426.0 33.3 940,639.9 100.0

New Hampshire 2,163.6 0.5

333,935.9 73.4 119,062.0 26.2

455,161.5 100.0

New Jersey 13,091.0 0.5

1,661,256.7 66.9 807,624.5 32.5 2,481,972.2 100.0

New Mexico 4,202.1 0.8

405,547.3 81.9 85,506.6 17.3 495,256.0 100.0

New York 31,807.8 0.7

2,591,382.5 61.0 1,626,697.8 38.3 4,249,888.1 100.0

North Carolina 177,601.7 6.4

1,978,763.0 71.3 619,135.3 22.3 2,775,500.0 100.0

North Dakota 717.3 0.3

133,016.6 64.7 71,992.2 35.0 205,726.1 100.0

Ohio 29,373.0 0.8

2,728,967.9 76.3 817,666.3 22.9 3,576,007.3 100.0

Oklahoma 24,167.5 2.4

805,814.5 80.1 176,586.1 17.5 1,006,568.1 100.0

Oregon 4,293.0 0.4

813,936.2 68.2 375,152.8 31.4 1,193,381.9 100.0

Pennsylvania 24,519.0 0.6

2,953,260.3 76.3 894,083.7 23.1 3,871,863.0 100.0

Rhode Island 3,207.6 1.2

199,018.2 75.0 63,292.2 23.8 265,517.9 100.0

South Carolina 15,371.9 1.1

1,057,236.1 77.1 298,363.3 21.8 1,370,971.3 100.0

South Dakota 1,421.8 0.5

195,577.7 74.1 67,096.8 25.4 264,096.2 100.0

Tennessee 20,004.7 1.0

1,496,290.9 76.6 436,049.7 22.3 1,952,345.3 100.0

Texas 154,081.4 2.0

5,382,383.4 68.6 2,308,869.5 29.4 7,845,334.3 100.0

Utah 2,467.3 0.3

628,230.8 70.4 261,559.0

29.3 892,257.2 100.0

Vermont 2,230.1 1.0

170,977.9 76.6 49,897.5 22.4 223,105.5 100.0

Virginia 22,109.9 0.9

1,746,304.0 68.5 779,884.2 30.6 2,548,298.1 100.0

Washington 10,362.8 0.4

1,654,563.9 67.8 776,291.3 31.8 2,441,218.0 100.0

West Virginia 3,804.3 0.9

349,539.5 85.7 54,596.6 13.4 407,940.4 100.0

Wisconsin 6,515.9 0.3

1,619,842.2 76.5 491,183.8 23.2 2,117,541.9 100.0

Wyoming 1,236.3 0.8

116,265.1 79.8 28,281.8 19.4 145,783.2 100.0

Total 1,414,534.1 1.5

64,033,805.8 70.2 25,815,956.0 28.3 91,264,296.0 100.0

Total

House-Yrs

Table 1

2021 House-Years by Policy Type

% House-Yrs %% House-Yrs % House-Yrs

Dwelling Fire

Homeowners Owner-

Occupied

Homeowners Tenants and

Condo/Co-Op

16

Table 2

2021 House-Years by State and Countrywide by Policy Form

17

State

Alabama 48,752.5 3.6

887.5 0.1 113,389.3 8.5 884,153.3 66.1 190,847.3 14.3

Alaska 2,193.4 1.1

8.0 0.0 63.3 0.0 151,271.2 72.7 37,581.8 18.1

Arizona 10,366.8 0.5

2,085.8 0.1 124,768.8 5.6 1,255,079.2 56.3 442,025.9 19.8

Arkansas 13,964.6 2.4

1,929.0 0.3 42,701.5 7.4 367,673.4 63.4 97,332.4 16.8

California 365,937.8 3.5

7.7 0.0 326.7 0.0 4,908,622.5 47.5 2,712,361.3 26.2

Colorado 9,395.7 0.4

379.9 0.0 95,882.5 4.6 1,093,366.8 52.1 477,268.3 22.7

Connecticut 3,553.0 0.4

0.0 0.0 28,469.0 2.8 591,096.7 58.6 201,539.2 20.0

Delaware 1,050.8 0.3

0.0 0.0 16,497.1 5.5 202,809.9 67.2 61,469.5 20.4

Dist. of Columbia 393.1 0.2

1.5 0.0 392.8 0.2 74,192.8 30.9 104,169.8 43.3

Florida 205,053.4 4.2

0.0 0.0 5,871.2 0.1 3,037,279.5 61.6 974,615.6 19.8

Georgia 30,778.5 1.0

11,821.1 0.4 260,181.4 8.4 1,824,100.8 59.0 621,086.6 20.1

Hawaii 2,633.6 0.6

0.0 0.0 1,346.0 0.3 220,038.8 50.2 78,863.9 18.0

Idaho 1,720.1

0.3

2,488.8 0.5 39,329.6 7.5 297,853.3 56.5 98,209.6 18.6

Illinois 13,205.3 0.4

1,267.3 0.0 304,125.0 8.3 1,972,964.3 53.6 627,599.4 17.1

Indiana 6,825.9 0.3

1,301.3 0.1 127,726.2 6.4 1,232,467.6 61.3 347,967.9 17.3

Iowa 6,086.2 0.7

2,001.8 0.2 32,807.7 3.6 574,750.2 63.7 171,439.2 19.0

Kansas 17,940.3 1.9

758.1 0.1 52,293.4 5.6 559,062.9 59.4 197,082.3 21.0

Kentucky 6,367.7 0.5

683.1 0.1 105,504.9 8.7 721,341.0 59.7 242,563.8 20.1

Louisiana 28,088.4 3.2

89.0 0.0 45,822.7 5.2 631,505.5 72.0 139,846.8 15.9

Maine 5,420.0 1.2

572.8 0.1 22,559.9 4.9 315,092.9 68.7 63,055.5 13.7

Maryland 5,889.1 0.3

155.5 0.0 91,533.9 4.7 999,681.2 51.7 461,964.0 23.9

Massachusetts 3,250.8 0.2

458.3 0.0 51,661.1 2.4 1,272,201.8 59.8 412,754.1 19.4

Michigan 14,669.7 0.5

80.1 0.0 135,253.2 4.6 1,958,595.8 66.8 497,230.4 17.0

Minnesota 6,079.0 0.3

2,017.9 0.1 47,985.3 2.6 1,002,691.8 53.4 383,514.5 20.4

Mississippi 21,162.1 4.1

522.0

0.1 36,979.8 7.2 357,306.8 69.9 69,595.7 13.6

Missouri 18,371.4 1.0

3,336.2 0.2 61,055.3 3.4 1,077,994.5 59.2 365,065.1 20.1

Montana 2,202.7 0.7

1,256.0 0.4 8,613.3 2.9 174,924.9 58.3 63,935.5 21.3

Nebraska 5,552.5 0.9

225.0 0.0 40,282.0 6.5 382,361.7 61.4 141,611.5 22.7

Nevada 2,879.9 0.3

171.8 0.0 45,019.9 4.8 477,328.4 50.7 241,678.2 25.7

New Hampshire 2,163.6 0.5

216.2 0.0 12,238.6 2.7 289,280.1 63.6 75,373.7 16.6

New Jersey 13,091.0 0.5

4.7 0.0 150,510.3 6.1 1,344,752.8 54.2 479,576.3 19.3

New Mexico 4,202.1 0.8

1.0 0.0 30,480.3 6.2 310,356.6 62.7 75,213.3 15.2

New York 31,807.8 0.7

369.3 0.0 345,075.9 8.1 2,062,804.4 48.5 982,419.8 23.1

North Carolina 177,601.7 6.4

2.0 0.0 112,114.8 4.0 1,839,621.9 66.3 543,325.9 19.6

North Dakota 717.3 0.3

290.2 0.1 6,806.8 3.3 98,729.3 48.0 62,913.8 30.6

Ohio 29,373.0 0.8

462.8 0.0 274,930.6 7.7 1,935,587.5 54.1 642,007.7 18.0

Oklahoma 24,167.5 2.4

10,224.6 1.0 109,092.3

10.8 521,155.0 51.8 165,993.6 16.5

Oregon 4,293.0 0.4

2.0 0.0 62,426.4 5.2 618,941.5 51.9 333,218.7 27.9

Pennsylvania 24,519.0 0.6

4,490.2 0.1 254,052.3 6.6 2,033,304.8 52.5 760,574.7 19.6

Rhode Island 3,207.6 1.2

620.8 0.2 33,507.2 12.6 155,164.5 58.4 43,459.3 16.4

South Carolina 15,371.9 1.1

8,962.8 0.7 89,924.2 6.6 931,582.3 68.0 233,947.8 17.1

South Dakota 1,421.8 0.5

398.5 0.2 6,438.0 2.4 158,278.3 59.9 61,430.8 23.3

Tennessee 20,004.7 1.0

23,376.3 1.2 110,386.2 5.7 1,195,553.6 61.2 369,334.8 18.9

Texas 154,081.4 2.0

1,072,466.6 13.7 380,215.5 4.8 3,259,887.8 41.6 2,167,580.1 27.6

Utah 2,467.3 0.3

215.8 0.0 59,666.0 6.7 464,717.9 52.1 184,321.0 20.7

Vermont 2,230.1 1.0

2,261.0 1.0 5,415.5 2.4 145,469.3 65.2 31,302.4 14.0

Virginia 22,109.9 0.9

564.8 0.0 104,704.1 4.1 1,452,268.3 57.0 618,006.3 24.3

Washington 10,362.8 0.4

223.3 0.0 105,184.8 4.3 1,193,872.9 48.9 648,126.6 26.5

West Virginia 3,804.3 0.9

1,464.3 0.4 32,471.1 8.0 237,294.6

58.2 51,040.6 12.5

Wisconsin 6,515.9 0.3

418.0 0.0 70,364.9 3.3 1,089,306.3 51.4 384,715.6 18.2

Wyoming 1,236.3 0.8

3.0 0.0 2,288.6 1.6 91,102.3 62.5 24,705.0 16.9

Total 1,414,534.1 1.5

1,161,543.1 1.3 4,296,736.6 4.7 50,046,841.2 54.8 19,462,862.2 21.3

House-Yrs

HO-4

2021 House-Years by Policy Form

%House-Yrs % House-Yrs % % House-Yrs %House-Yrs

Table 2

DW HO-1 HO-2 HO-3

18

State

Alabama 61,990.6 4.6

21,854.2 1.6 15,723.9 1.2 1,337,598.7 100.0

Alaska 4,432.9 2.1

12,522.5 6.0 11.5 0.0 208,084.5 100.0

Arizona 260,440.1 11.7

133,866.8 6.0 2,087.2 0.1 2,230,720.5 100.0

Arkansas 34,417.2 5.9

6,768.1 1.2 15,103.2 2.6 579,889.3 100.0

California 1,298,063.5 12.6

1,033,277.7 10.0 23,941.6 0.2 10,342,538.8 100.0

Colorado 188,318.9 9.0

231,406.3 11.0 2,089.3 0.1 2,098,107.7 100.0

Connecticut 80,780.7 8.0

103,509.5 10.3 0.0 0.0 1,008,948.0 100.0

Delaware 2,636.2 0.9

17,071.6 5.7 292.6 0.1 301,827.6 100.0

Dist. of Columbia 5,604.4 2.3

55,646.0 23.1 0.0 0.0 240,400.4 100.0

Florida 16,868.7 0.3

645,860.6 13.1 44,596.1 0.9 4,930,145.0 100.0

Georgia 222,723.8 7.2

114,722.2 3.7 7,914.9 0.3 3,093,329.3 100.0

Hawaii 1,434.8 0.3

134,230.4 30.6 144.8 0.0 438,692.3 100.0

Idaho 76,484.3 14.5

10,876.3 2.1 456.1 0.1 527,417.9 100.0

Illinois 308,399.3 8.4

447,148.1 12.1 5,900.8 0.2 3,680,609.4 100.0

Indiana 237,626.1 11.8

51,578.5 2.6 5,106.9 0.3 2,010,600.3

100.0

Iowa 69,583.1 7.7

43,776.8 4.8 2,183.1 0.2 902,627.8 100.0

Kansas 96,271.2 10.2

13,733.8 1.5 3,533.4 0.4 940,675.4 100.0

Kentucky 75,713.9 6.3

40,721.4 3.4 15,580.9 1.3 1,208,476.7 100.0

Louisiana 11,601.2 1.3

15,274.5 1.7 4,752.1 0.5 876,980.1 100.0

Maine 31,288.1 6.8

19,721.4 4.3 975.1 0.2 458,685.8 100.0

Maryland 218,987.5 11.3

154,409.2 8.0 72.6 0.0 1,932,692.9 100.0

Massachusetts 134,008.8 6.3

251,577.3 11.8 350.2 0.0 2,126,262.3 100.0

Michigan 143,162.5 4.9

181,213.4 6.2 448.8 0.0 2,930,653.8 100.0

Minnesota 257,664.8 13.7

172,642.4 9.2 5,032.8 0.3 1,877,628.6 100.0

Mississippi 8,043.4 1.6

5,237.3 1.0 12,231.5 2.4 511,078.5 100.0

Missouri 211,152.9 11.6

71,387.7 3.9 11,433.8 0.6 1,819,796.8 100.0

Montana 35,676.4 11.9

13,081.1 4.4 563.8 0.2 300,253.6 100.0

Nebraska 43,742.5 7.0

7,945.9 1.3 1,479.7 0.2 623,200.8 100.0

Nevada 101,523.9 10.8

71,747.8 7.6 290.0 0.0 940,639.9 100.0

New Hampshire 31,979.0 7.0

43,688.3 9.6 222.1 0.0

455,161.5 100.0

New Jersey 165,940.3 6.7

328,048.2 13.2 48.6 0.0 2,481,972.2 100.0

New Mexico 64,722.4 13.1

10,293.3 2.1 -12.9 0.0 495,256.0 100.0

New York 180,761.8 4.3

644,278.0 15.2 2,371.1 0.1 4,249,888.1 100.0

North Carolina 21,677.6 0.8

75,809.4 2.7 5,346.8 0.2 2,775,500.0 100.0

North Dakota 26,905.9 13.1

9,078.4 4.4 284.3 0.1 205,726.1 100.0

Ohio 509,257.1 14.2

175,658.7 4.9 8,729.9 0.2 3,576,007.3 100.0

Oklahoma 128,747.4 12.8

10,592.5 1.1 36,595.3 3.6 1,006,568.1 100.0

Oregon 132,034.8 11.1

41,934.1 3.5 531.4 0.0 1,193,381.9 100.0

Pennsylvania 658,458.6 17.0

133,509.0 3.4 2,954.6 0.1 3,871,863.0 100.0

Rhode Island 8,612.6 3.2

19,832.9 7.5 1,113.2 0.4 265,517.9 100.0

South Carolina 18,248.7 1.3

64,415.5 4.7 8,518.3 0.6 1,370,971.3 100.0

South Dakota 30,134.5 11.4

5,666.0 2.1 328.3 0.1 264,096.2 100.0

Tennessee 155,547.7 8.0

66,714.8 3.4 11,427.2 0.6 1,952,345.3 100.0

Texas 669,813.5 8.5

141,289.4 1.8 0.0 0.0 7,845,334.3 100.0

Utah 103,494.1 11.6

77,238.0 8.7 137.0

0.0 892,257.2 100.0

Vermont 17,697.1 7.9

18,595.1 8.3 135.1 0.1 223,105.5 100.0

Virginia 188,205.8 7.4

161,877.9 6.4 561.1 0.0 2,548,298.1 100.0

Washington 353,864.5 14.5

128,164.7 5.3 1,418.4 0.1 2,441,218.0 100.0

West Virginia 77,729.7 19.1

3,556.0 0.9 579.8 0.1 407,940.4 100.0

Wisconsin 458,089.0 21.6

106,468.3 5.0 1,664.0 0.1 2,117,541.9 100.0

Wyoming 22,602.8 15.5

3,576.8 2.5 268.4 0.2 145,783.2 100.0

Total 8,263,166.4 9.1

6,353,093.9 7.0 265,518.5 0.3 91,264,296.0 100.0

Total

House-Yrs

House-Yrs %

Table 2

2021 House-Years by Policy Form

HO-6

House-Yrs

HO-8HO-5

%%House-Yrs%

19

Table 3

2021 House-Years by State and Countrywide

by Amount of Insurance

20

State

Alabama

20,223.7 1.8 20,229.8 1.8 24,942.6 2.2 48,651.5 4.3

Alaska

341.8 0.2 187.6 0.1 418.3 0.3 1,062.9 0.7

Arizona

2,055.4 0.1 1,992.0 0.1 4,703.0 0.3 16,133.0 1.0

Arkansas

10,163.8 2.1 9,823.8 2.1 14,730.3 3.1 26,859.4 5.6

California

3,336.4 0.1 3,544.0 0.1 3,323.9 0.1 6,729.8 0.1

Colorado

1,224.0 0.1 1,001.6 0.1 2,354.0 0.2 7,319.8 0.5

Connecticut

1,932.0 0.3 363.9 0.1 140.5 0.0 574.8 0.1

Delaware

644.4 0.3 108.3 0.0 200.9 0.1 925.8 0.4

Dist. of Columbia

65.8 0.1 6.4 0.0 10.6 0.0 68.8 0.1

Florida

25,728.3 0.8 29,017.9 0.9 9,062.3 0.3 27,789.3 0.8

Georgia

13,214.3 0.6 11,782.8 0.5 17,561.2 0.7 43,838.3 1.9

Hawaii

32.8 0.0 40.5 0.0 102.7 0.0 509.4 0.2

Idaho

404.9 0.1 290.5 0.1 975.8 0.2 3,652.7 0.9

Illinois

9,079.5 0.3 8,418.1 0.3 9,547.8 0.4 20,350.6 0.8

Indiana

6,883.7 0.4 10,377.3 0.6 16,779.9 1.0

44,020.3 2.7

Iowa

7,240.5 1.1 5,755.8 0.8 7,243.5 1.1 15,816.1 2.3

Kansas

11,011.0 1.5 10,914.6 1.5 13,621.3 1.9 26,657.4 3.7

Kentucky

10,004.8 1.1 13,174.3 1.4 21,195.7 2.3 43,879.2 4.7

Louisiana

5,720.4 0.8 7,207.8 1.0 14,901.0 2.1 34,034.4 4.7

Maine

1,081.8 0.3 1,329.8 0.4 2,587.6 0.7 5,188.8 1.4

Maryland

3,017.2 0.2 1,162.1 0.1 1,202.8 0.1 4,706.3 0.4

Massachusetts

608.3 0.0 538.9 0.0 646.3 0.0 1,611.8 0.1

Michigan

7,704.8 0.3 10,500.1 0.5 17,462.6 0.8 43,420.3 1.9

Minnesota

9,253.8 0.7 5,200.3 0.4 6,421.1 0.5 12,202.8 0.9

Mississippi

10,985.4 2.5 11,842.5 2.7 16,776.1 3.8 29,208.5 6.7

Missouri

7,599.2 0.5 12,011.7 0.9 16,936.3 1.2 32,169.5 2.3

Montana

510.8 0.2 603.0 0.3 1,182.8 0.5 3,367.0 1.5

Nebraska

3,407.6 0.7 4,078.8 0.9 7,124.5 1.5 15,927.0 3.4

Nevada

215.1 0.0 112.4 0.0 299.9 0.0 1,707.6 0.3

New Hampshire

300.4 0.1 463.8 0.1 775.8

0.2 1,954.1 0.6

New Jersey

9,969.0 0.6 1,792.5 0.1 1,504.6 0.1 2,783.0 0.2

New Mexico

1,184.9 0.3 1,305.6 0.3 2,952.9 0.7 8,982.2 2.2

New York

8,038.0 0.3 9,521.1 0.4 9,719.2 0.4 15,307.8 0.6

North Carolina

43,764.5 2.0 33,183.6 1.5 35,752.6 1.7 62,086.4 2.9

North Dakota

931.9 0.7 578.4 0.4 952.8 0.7 2,168.7 1.6

Ohio

24,373.3 0.9 15,365.1 0.6 20,027.5 0.7 50,258.3 1.8

Oklahoma

28,586.8 3.4 25,074.8 3.0 28,270.0 3.4 41,207.1 5.0

Oregon

716.5 0.1 537.6 0.1 1,043.5 0.1 4,029.8 0.5

Pennsylvania

17,751.5 0.6 12,790.5 0.4 17,108.5 0.6 28,638.1 1.0

Rhode Island

132.7 0.1 138.7 0.1 412.9 0.2 905.5 0.4

South Carolina

9,268.4 0.9 7,405.9 0.7 8,524.5 0.8 24,411.0 2.3

South Dakota

1,568.7 0.8 1,387.0 0.7 2,016.0 1.0 4,079.2 2.1

Tennessee

17,212.6 1.1 16,334.6 1.1 22,732.5 1.5 52,357.6 3.5

Texas

91,991.4 1.7 98,636.4 1.8 113,613.7 2.1 172,050.9 3.1

Utah

569.3 0.1 328.5 0.1

652.6 0.1 2,457.8 0.4

Vermont

936.9 0.5 771.9 0.4 1,274.5 0.7 1,915.9 1.1

Virginia

8,507.1 0.5 4,312.9 0.2 7,972.9 0.5 25,081.6 1.4

Washington

1,633.9 0.1 912.9 0.1 1,591.3 0.1 5,339.3 0.3

West Virginia

2,154.4 0.6 4,467.4 1.3 7,392.8 2.1 14,389.8 4.1

Wisconsin

8,303.8 0.5 5,570.3 0.3 8,630.3 0.5 18,688.0 1.1

Wyoming

179.6 0.2 178.9 0.2 523.4 0.4 1,746.1 1.5

Total

451,766.8 0.7 422,674.7 0.6 525,899.8 0.8 1,059,221.4 1.6

% ExposureExposure

$49,999 and Under

Exposure % % Exposure

$100,000 to

$124,999

%

$50,000 to $74,999 $75,000 to $99,999

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Table 3A

2021 House-Years by Amount of Insurance

21

State

Alabama 85,024.3 7.6

110,616.0 9.8 118,579.7 10.5 370,022.3 32.9

Alaska 1,847.3 1.2

3,362.3 2.1 5,325.4 3.4 38,976.2 24.7

Arizona 41,913.3 2.5

82,742.8 5.0 121,667.4 7.4 611,698.4 37.0

Arkansas 39,726.4 8.3

50,749.9 10.7 52,749.4 11.1 152,874.6 32.1

California 15,141.8 0.2

41,264.4 0.6 85,561.1 1.3 1,003,140.4 15.2

Colorado 18,397.8 1.3

35,606.3 2.6 52,819.1 3.8 350,397.3 25.2

Connecticut 1,743.7 0.2

5,448.1 0.8 13,045.2 1.9 164,337.9 23.3

Delaware 2,805.8 1.3

6,444.1 2.9 10,873.3 4.9 69,334.7 31.1

Dist. of Columbia 331.1 0.4

958.4 1.2 1,926.3 2.4 16,279.4 20.2

Florida 81,650.4 2.5

174,504.0 5.3 249,892.9 7.6 1,274,902.6 38.5

Georgia 93,006.6 3.9

153,797.6 6.5 198,811.7 8.4 804,379.4 34.1

Hawaii 1,048.3 0.5

1,945.0 0.9 3,142.0 1.4 33,280.3 14.8

Idaho 9,875.9 2.4

19,752.2 4.7 29,162.4 7.0 147,040.3 35.1

Illinois 46,020.8 1.8

91,417.3 3.5 131,196.5 5.0 757,846.8 29.1

Indiana 90,418.5 5.6

134,720.6 8.4 162,420.8 10.1

599,278.0 37.2

Iowa 36,989.3 5.4

60,545.5 8.8 71,896.8 10.5 250,960.3 36.5

Kansas 43,331.6 5.9

57,182.3 7.8 66,581.2 9.1 241,895.5 33.1

Kentucky 72,579.6 7.8

91,895.5 9.9 98,440.7 10.6 298,816.7 32.3

Louisiana 54,150.8 7.5

71,090.4 9.8 73,741.2 10.2 246,084.4 34.1

Maine 9,698.2 2.6

17,742.1 4.7 26,378.3 7.0 137,284.1 36.5

Maryland 17,605.2 1.3

44,608.1 3.4 74,487.3 5.7 414,568.3 31.5

Massachusetts 3,407.3 0.2

7,950.3 0.5 16,360.3 1.1 213,526.9 14.6

Michigan 86,353.8 3.8

141,248.8 6.3 185,566.7 8.2 801,711.8 35.6

Minnesota 21,207.7 1.6

36,501.4 2.8 56,852.6 4.3 402,866.8 30.5

Mississippi 40,401.0 9.3

46,067.8 10.6 45,518.3 10.4 133,382.7 30.6

Missouri 56,395.0 4.1

91,077.2 6.6 119,032.3 8.6 479,656.8 34.7

Montana 7,009.8 3.1

12,800.0 5.7 17,256.3 7.7 79,279.8 35.5

Nebraska 30,336.4 6.4

46,513.8 9.8 54,746.6 11.6 169,307.1 35.7

Nevada 5,341.9 0.9

12,395.8 2.0 23,512.3 3.7 208,902.2 33.3

New Hampshire 3,817.8 1.1

8,252.0 2.5 14,271.5

4.2 105,185.8 31.3

New Jersey 5,298.9 0.3

14,555.5 0.9 27,410.2 1.6 293,152.5 17.5

New Mexico 19,932.0 4.9

32,322.3 7.9 39,809.6 9.7 147,636.0 36.0

New York 22,571.1 0.9

44,421.8 1.7 75,362.9 2.9 579,490.6 22.1

North Carolina 113,227.5 5.3

170,929.4 7.9 196,174.0 9.1 686,286.1 31.8

North Dakota 4,515.6 3.4

7,829.7 5.9 10,823.8 8.1 49,323.8 36.9

Ohio 117,049.5 4.2

209,080.3 7.6 266,704.6 9.7 1,040,077.6 37.7

Oklahoma 58,269.9 7.0

76,312.8 9.2 86,058.8 10.4 273,702.3 33.0

Oregon 10,727.2 1.3

23,891.7 2.9 39,727.4 4.9 270,484.0 33.1

Pennsylvania 50,890.2 1.7

114,712.5 3.9 197,569.9 6.6 1,123,557.3 37.7

Rhode Island 1,296.0 0.6

2,935.3 1.5 5,451.7 2.7 61,819.4 30.6

South Carolina 57,872.3 5.4

87,855.3 8.2 102,325.4 9.5 375,162.5 35.0

South Dakota 8,764.4 4.4

14,183.5 7.2 19,238.8 9.8 75,593.8 38.4

Tennessee 100,444.0 6.6

138,023.8 9.1 151,243.9 10.0 484,615.5 32.0

Texas 265,513.2 4.8

383,096.1 6.9 467,325.0 8.4 1,838,028.5 33.2

Utah 7,212.0 1.1

17,131.4 2.7

29,954.4 4.7 200,797.0 31.8

Vermont 2,857.2 1.6

5,003.7 2.9 7,622.5 4.4 53,771.2 31.0

Virginia 58,936.2 3.3

96,486.2 5.5 122,696.8 6.9 530,444.1 30.0

Washington 13,191.5 0.8

29,388.8 1.8 49,160.8 3.0 393,267.7 23.6

West Virginia 24,829.2 7.0

34,230.2 9.7 38,413.8 10.9 126,934.6 35.9

Wisconsin 35,032.6 2.2

66,571.9 4.1 100,713.8 6.2 560,459.4 34.5

Wyoming 4,145.7 3.5

7,400.7 6.3 9,589.1 8.2 43,245.3 36.8

Total 2,000,153.2 3.1

3,235,562.5 4.9 4,225,192.4 6.5 19,785,066.3 30.2

$175,000 to

$199,999

$125,000 to $149,999

Table 3A

2021 House-Years by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

$200,000 to $299,999

Exposure % Exposure % Exposure % Exposure %

$150,000 to $174,999

22

State

Alabama 169,209.4 15.0

73,996.5 6.6 83,401.5 7.4 1,124,897.2 100.0

Alaska 46,107.5 29.2

29,401.0 18.6 30,950.0 19.6 157,980.3 100.0

Arizona 381,426.6 23.0

179,546.1 10.8 210,949.8 12.7 1,654,827.8 100.0

Arkansas 62,363.4 13.1

26,211.8 5.5 29,536.0 6.2 475,788.8 100.0

California 1,607,358.5 24.4

1,330,734.1 20.2 2,496,765.5 37.8 6,596,899.8 100.0

Colorado 355,653.8 25.6

230,222.2 16.6 334,437.3 24.1 1,389,433.2 100.0

Connecticut 197,787.8 28.1

132,232.7 18.8 186,292.8 26.5 703,899.3 100.0

Delaware 61,259.2 27.4

35,185.7 15.8 35,504.4 15.9 223,286.5 100.0

Dist. of Columbia 16,876.3 20.9

12,642.3 15.7 31,419.3 39.0 80,584.6 100.0

Florida 766,689.8 23.2

339,081.1 10.2 331,350.3 10.0 3,309,668.8 100.0

Georgia 474,164.7 20.1

240,470.3 10.2 306,493.9 13.0 2,357,520.5 100.0

Hawaii 52,250.8 23.2

43,781.0 19.4 89,465.2 39.7 225,598.0 100.0

Idaho 101,336.0 24.2

49,644.6 11.9 56,196.8 13.4 418,332.1 100.0

Illinois 659,734.7 25.3

383,824.0 14.7 488,426.0 18.7 2,605,861.9 100.0

Indiana 300,155.9 18.6

121,665.9 7.6 124,333.0 7.7

1,611,053.9 100.0

Iowa 131,420.3 19.1

54,400.9 7.9 45,143.0 6.6 687,411.9 100.0

Kansas 134,986.5 18.5

60,740.1 8.3 62,938.0 8.6 729,859.3 100.0

Kentucky 145,248.2 15.7

62,496.8 6.8 67,460.3 7.3 925,191.5 100.0

Louisiana 114,720.2 15.9

46,858.6 6.5 53,349.7 7.4 721,858.8 100.0

Maine 89,720.2 23.9

41,579.3 11.1 43,318.8 11.5 375,908.8 100.0

Maryland 316,253.2 24.0

182,627.5 13.9 256,082.0 19.5 1,316,319.8 100.0

Massachusetts 328,740.9 22.5

267,723.2 18.3 620,816.9 42.5 1,461,931.0 100.0

Michigan 496,900.5 22.1

226,583.8 10.1 234,756.7 10.4 2,252,209.9 100.0

Minnesota 357,709.9 27.1

197,442.3 14.9 215,813.0 16.3 1,321,471.7 100.0

Mississippi 56,049.3 12.8

22,711.2 5.2 23,302.8 5.3 436,245.6 100.0

Missouri 290,720.8 21.0

137,340.9 9.9 140,404.4 10.1 1,383,344.1 100.0

Montana 49,843.7 22.3

23,087.6 10.3 28,296.4 12.7 223,237.0 100.0

Nebraska 80,464.6 17.0

33,661.1 7.1 28,075.8 5.9 473,643.3 100.0

Nevada 182,921.8 29.2

89,079.7 14.2 102,725.4 16.4 627,213.9 100.0

New Hampshire 96,212.3 28.6

50,993.6 15.2 53,872.6

16.0 336,099.5 100.0

New Jersey 453,373.3 27.1

346,298.5 20.7 518,209.8 30.9 1,674,347.7 100.0

New Mexico 78,276.8 19.1

35,089.3 8.6 42,258.0 10.3 409,749.4 100.0

New York 670,229.6 25.6

497,185.7 19.0 691,342.5 26.4 2,623,190.3 100.0

North Carolina 385,953.0 17.9

189,124.9 8.8 239,882.7 11.1 2,156,364.7 100.0

North Dakota 31,498.9 23.6

13,537.6 10.1 11,572.8 8.7 133,733.9 100.0

Ohio 564,415.5 20.5

226,254.7 8.2 224,734.6 8.1 2,758,340.9 100.0

Oklahoma 118,300.3 14.3

46,459.1 5.6 47,740.0 5.8 829,982.0 100.0

Oregon 222,160.7 27.2

115,733.3 14.1 129,177.6 15.8 818,229.2 100.0

Pennsylvania 712,159.7 23.9

332,701.3 11.2 369,900.0 12.4 2,977,779.3 100.0

Rhode Island 58,810.3 29.1

32,890.5 16.3 37,432.9 18.5 202,225.8 100.0

South Carolina 202,567.5 18.9

92,085.3 8.6 105,129.9 9.8 1,072,608.0 100.0

South Dakota 37,983.4 19.3

16,109.3 8.2 16,075.5 8.2 196,999.5 100.0

Tennessee 254,726.5 16.8

123,124.0 8.1 155,480.6 10.3 1,516,295.6 100.0

Texas 1,005,816.5 18.2

499,785.9 9.0 600,607.3 10.8 5,536,464.8 100.0

Utah 169,677.9 26.9

92,703.8 14.7

109,213.4 17.3 630,698.2 100.0

Vermont 45,360.2 26.2

23,957.0 13.8 29,737.1 17.2 173,208.0 100.0

Virginia 373,367.2 21.1

215,954.3 12.2 324,654.7 18.4 1,768,413.9 100.0

Washington 465,772.9 28.0

305,527.5 18.4 399,140.2 24.0 1,664,926.8 100.0

West Virginia 57,108.7 16.2

21,636.0 6.1 21,787.2 6.2 353,343.8 100.0

Wisconsin 434,540.3 26.7

198,869.6 12.2 188,978.2 11.6 1,626,358.1 100.0

Wyoming 25,508.6 21.7

11,373.3 9.7 13,610.7 11.6 117,501.3 100.0

Total 14,491,893.9 22.1

8,162,366.1 12.5 11,088,542.9 16.9 65,448,339.9 100.0

$300,000 to $399,999

$400,000 to

$499,999

Table 3A

2021 House-Years by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

$500,000 and

Over

Total

Exposure %Exposure % Exposure % Exposure %

23

State

Alabama 65,968.8 31.0

29,911.6 14.1 53,824.2 25.3 17,527.5 8.2

Alaska 12,665.8 25.3

3,732.2 7.4 9,288.3 18.5 5,357.0 10.7

Arizona 178,199.7 30.9

56,434.3 9.8 123,010.8 21.4 54,106.3 9.4

Arkansas 24,583.8 23.6

11,517.7 11.1 33,264.3 32.0 9,034.2 8.7

California 631,339.4 16.9

638,327.8 17.0 767,333.4 20.5 432,138.8 11.5

Colorado 178,228.6 25.1

55,889.3 7.9 127,535.1 18.0 76,372.8 10.8

Connecticut 66,835.8 21.9

38,032.5 12.5 60,242.8 19.7 32,894.6 10.8

Delaware 14,145.5 18.0

10,408.3 13.3 21,797.8 27.8 9,608.1 12.2

Dist. of Columbia 46,400.1 29.0

22,200.4 13.9 29,734.1 18.6 14,051.8 8.8

Florida 440,912.3 27.2

191,419.3 11.8 403,948.0 24.9 149,787.8 9.2

Georgia 217,711.5 29.6

113,512.5 15.4 181,882.0 24.7 60,003.3 8.2

Hawaii 51,623.3 24.2

16,551.6 7.8 38,604.7 18.1 21,928.3 10.3

Idaho 28,043.9 25.7

10,717.3 9.8 23,678.0 21.7 11,533.9 10.6

Illinois 185,504.1 17.3

119,431.3 11.1 203,090.3 18.9 116,647.8 10.9

Indiana 88,322.2 22.1

60,605.0 15.2 90,968.3 22.8 41,025.6

10.3

Iowa 35,671.6 16.6

24,682.3 11.5 41,238.5 19.2 22,709.9 10.6

Kansas 41,475.7 19.7

32,454.9 15.4 56,795.5 26.9 20,102.8 9.5

Kentucky 65,501.7 23.1

57,719.5 20.4 60,240.9 21.3 29,211.8 10.3

Louisiana 55,939.9 36.1

18,032.1 11.6 38,369.2 24.7 11,797.1 7.6

Maine 11,304.4 13.7

8,601.8 10.4 17,265.4 20.9 10,386.4 12.5

Maryland 137,999.3 22.4

93,598.3 15.2 141,453.9 22.9 59,365.5 9.6

Massachusetts 136,907.8 20.6

85,723.7 12.9 141,646.9 21.3 72,558.0 10.9

Michigan 162,839.4 24.0

68,828.9 10.1 158,799.1 23.4 57,924.8 8.5

Minnesota 68,537.0 12.3

81,052.4 14.6 123,788.6 22.3 55,728.1 10.0

Mississippi 26,910.8 36.0

9,380.8 12.5 17,823.6 23.8 5,972.8 8.0

Missouri 98,338.7 22.5

53,477.7 12.3 121,426.9 27.8 38,199.3 8.8

Montana 17,070.5 22.2

4,515.8 5.9 13,775.2 17.9 8,521.6 11.1

Nebraska 29,148.8 19.5

17,393.6 11.6 39,400.2 26.3 17,839.8 11.9

Nevada 101,218.5 32.3

50,371.8 16.1 59,339.0 18.9 30,523.2 9.7

New Hampshire 17,700.7 14.9

13,907.8 11.7 22,377.8 18.8

14,010.6 11.8

New Jersey 164,697.8 20.4

100,095.8 12.4 145,256.8 18.0 77,455.8 9.6

New Mexico 23,720.7 27.7

11,306.0 13.2 16,551.8 19.4 9,425.5 11.0

New York 183,389.8 11.3

170,628.2 10.5 314,661.9 19.3 212,354.3 13.1

North Carolina 106,470.6 17.2

66,626.0 10.8 257,704.3 41.6 60,097.8 9.7

North Dakota 10,971.6 15.2

7,320.9 10.2 18,343.0 25.5 8,879.3 12.3

Ohio 150,716.6 18.4

151,665.0 18.5 157,124.8 19.2 83,958.1 10.3

Oklahoma 47,451.7 26.9

20,062.2 11.4 47,877.8 27.1 16,612.6 9.4

Oregon 91,262.9 24.3

45,474.0 12.1 84,707.4 22.6 41,987.4 11.2

Pennsylvania 145,890.8 16.3

152,614.2 17.1 195,140.3 21.8 94,590.5 10.6

Rhode Island 13,180.3 20.8

10,892.1 17.2 13,388.9 21.2 6,667.8 10.5

South Carolina 83,912.6 28.1

33,467.7 11.2 78,775.0 26.4 27,423.9 9.2

South Dakota 8,688.0 12.9

8,636.1 12.9 17,700.5 26.4 9,213.3 13.7

Tennessee 106,066.2 24.3

79,871.9 18.3 92,954.3 21.3 38,564.8 8.8

Texas 697,704.3 30.2

297,020.1 12.9 606,626.9 26.3 236,326.1 10.2

Utah 52,593.5 20.1

44,322.3 16.9 49,056.3

18.8 26,559.8 10.2

Vermont 6,530.7 13.1

4,999.1 10.0 9,232.0 18.5 5,414.7 10.9

Virginia 198,559.4 25.5

97,854.1 12.5 143,052.3 18.3 77,140.7 9.9

Washington 185,644.4 23.9

82,107.1 10.6 150,662.6 19.4 96,656.5 12.5

West Virginia 11,494.3 21.1

9,967.6 18.3 14,699.3 26.9 5,329.4 9.8

Wisconsin 57,767.9 11.8

56,551.1 11.5 88,786.7 18.1 57,241.8 11.7

Wyoming 5,486.2 19.4

1,826.5 6.5 4,377.9 15.5 2,435.3 8.6

Total 5,589,249.1 21.7

3,451,740.1 13.4 5,728,623.2 22.2 2,701,204.5 10.5

Table 3B

2021 House-Years by Amount of Insurance

% Exposure %% Exposure %

$26,000 to

$31,999

$13,999

and Under

$14,000 to

$19,999

$20,000 to

$25,999

Exposure Exposure

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

24

State

Alabama 6,790.7 3.2

5,707.0 2.7 2,415.9 1.1 16,946.4 8.0

Alaska

2,870.2 5.7

2,007.5 4.0 1,251.3 2.5 7,018.5 14.0

Arizona

24,685.7 4.3

21,706.8 3.8 9,776.2 1.7 61,538.4 10.7

Arkansas

3,947.0 3.8

3,401.7 3.3 1,259.6 1.2 9,548.6 9.2

California

153,762.7 4.1

173,021.5 4.6 64,121.5 1.7 450,613.5 12.0

Colorado

33,199.3 4.7

33,999.6 4.8 13,825.8 2.0 96,363.9 13.6

Connecticut

15,658.3 5.1

11,077.0 3.6 6,179.5 2.0 37,587.1 12.3

Delaware 3,556.3 4.5

2,393.8 3.0 1,254.1 1.6 8,472.3 10.8

Dist. of Columbia 7,251.5 4.5

5,309.0 3.3 2,784.6 1.7 16,046.9 10.0

Florida 61,195.1 3.8

66,658.8 4.1 21,903.1 1.4 163,275.2 10.1

Georgia 24,828.6 3.4

18,809.8 2.6 8,053.2 1.1 60,242.2 8.2

Hawaii 32,122.9 15.1

8,464.3 4.0 4,069.1 1.9 23,980.6 11.3

Idaho 5,287.3 4.8

3,747.1 3.4 1,567.0 1.4 12,675.3 11.6

Illinois 57,637.3 5.4

55,302.6 5.1 27,538.1 2.6 159,663.7 14.9

Indiana

19,429.0 4.9

14,560.8 3.6 6,217.2 1.6 41,438.3 10.4

Iowa

12,077.9 5.6

11,368.9 5.3 4,960.5 2.3 30,777.4 14.3

Kansas

8,732.3 4.1

7,859.0 3.7 3,234.4 1.5 21,908.4 10.4

Kentucky

10,581.7 3.7

7,573.5 2.7 3,632.2 1.3 25,710.7 9.1

Louisiana

5,433.0 3.5

4,273.0 2.8 1,927.9 1.2 11,635.5 7.5

Maine

5,738.3 6.9

3,932.2 4.8 1,909.5 2.3 12,451.7 15.0

Maryland

27,236.8 4.4

19,655.3 3.2 10,901.1 1.8 64,670.8 10.5

Massachusetts

35,615.7 5.4

28,627.5 4.3 9,247.3 1.4 77,203.3 11.6

Michigan

26,007.7 3.8

20,736.2 3.1 9,424.6 1.4 80,663.6 11.9

Minnesota

27,978.9 5.0

22,714.8 4.1 10,900.9 2.0 80,145.2 14.4

Mississippi

2,482.8 3.3

1,953.0 2.6 835.8 1.1 5,454.9 7.3

Missouri

16,948.8 3.9

16,605.5 3.8 6,023.6 1.4 45,955.7 10.5

Montana

4,507.3 5.9

3,414.8 4.4 1,905.0 2.5 11,839.8 15.4

Nebraska

8,113.4 5.4

6,565.6 4.4 2,699.8 1.8 15,975.6 10.7

Nevada

12,204.8 3.9

8,959.1 2.9 4,141.5 1.3 27,667.3 8.8

New Hampshire

7,437.8 6.2

5,744.8 4.8 2,874.9 2.4 18,852.0 15.8

New Jersey

42,579.5 5.3

34,832.4 4.3 18,022.7 2.2 114,533.1 14.2

New Mexico

4,204.8 4.9

2,884.4 3.4 1,665.9 1.9 8,967.8 10.5

New York

94,916.8 5.8

70,618.3 4.3 53,413.8 3.3 273,708.1 16.8

North Carolina

22,412.7 3.6

18,301.1 3.0 6,347.8 1.0 47,038.4 7.6

North Dakota

4,487.3 6.2

3,651.2 5.1 1,457.6 2.0 9,753.0 13.5

Ohio

41,307.8 5.1

30,011.6 3.7 14,295.5 1.7 96,392.7 11.8

Oklahoma

6,685.5 3.8

5,648.3 3.2 2,425.1 1.4 17,341.0 9.8

Oregon

18,534.8 4.9

14,449.7 3.9 6,180.0 1.6 40,322.3 10.7

Pennsylvania

50,826.7 5.7

32,990.3 3.7 18,329.3 2.1 104,456.8 11.7

Rhode Island

2,845.4 4.5

2,329.3 3.7 1,099.4 1.7 7,394.3 11.7

South Carolina

11,728.3 3.9

8,711.2 2.9 3,874.5 1.3 28,856.8 9.7

South Dakota

3,164.2 4.7

3,223.4 4.8 1,154.8 1.7 7,832.6 11.7

Tennessee

15,604.2 3.6

12,304.0 2.8 4,838.8 1.1 44,207.8 10.1

Texas

64,241.5 2.8

83,079.8 3.6 18,592.6 0.8 152,661.3 6.6

Utah

12,574.2 4.8

11,127.9 4.3 4,820.3 1.8 32,796.6 12.5

Vermont

2,901.1 5.8

2,305.4 4.6 1,277.7 2.6 8,280.0 16.6

Virginia

35,141.5 4.5

28,806.4 3.7 14,986.0 1.9 97,922.0 12.6

Washington

45,169.8 5.8

32,334.9 4.2 15,575.9 2.0 91,165.7 11.7

West Virginia

2,297.8 4.2

1,685.9 3.1 818.3 1.5 4,980.3 9.1

Wisconsin

31,465.1 6.4

28,917.0 5.9 11,612.4 2.4 78,341.1 15.9

Wyoming

1,328.4 4.7

1,195.3 4.2 705.2 2.5 5,556.3 19.6

Total

1,177,736.1 4.6

1,025,558.2 4.0 448,328.4 1.7 2,968,830.3 11.5

Table 3B

2021 House-Years by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

$32,000 to

$37,999

$38,000 to

$43,999

$44,000 to

$49,999

$50,000 to

$74,999

% Exposure %Exposure % Exposure % Exposure

25

State

Alabama 4,546.2 2.1

9,063.3 4.3 212,701.5 100.0

Alaska 2,143.4 4.3

3,770.2 7.5 50,104.3 100.0

Arizona 17,748.1 3.1

28,686.6 5.0 575,892.8 100.0

Arkansas 2,521.4 2.4

5,022.3 4.8 104,100.5 100.0

California 152,819.5 4.1

282,161.0 7.5 3,745,639.0 100.0

Colorado 32,101.5 4.5

61,158.8 8.6 708,674.5 100.0

Connecticut 13,225.6 4.3

23,315.7 7.6 305,048.7 100.0

Delaware 2,641.6 3.4

4,263.4 5.4 78,541.1 100.0

Dist. of Columbia 4,467.7 2.8

11,569.8 7.2 159,815.8 100.0

Florida 45,297.8 2.8

76,079.0 4.7 1,620,476.2 100.0

Georgia 16,690.4 2.3

34,075.3 4.6 735,808.8 100.0

Hawaii 5,778.2 2.7

9,971.5 4.7 213,094.3 100.0

Idaho 3,477.9 3.2

8,358.2 7.7 109,085.8 100.0

Illinois 52,672.0 4.9

97,260.3 9.0 1,074,747.5 100.0

Indiana 14,021.2 3.5

22,959.0 5.7 399,546.4 100.0

Iowa 11,234.5 5.2

20,494.3 9.5 215,215.9 100.0

Kansas 6,205.6 2.9

12,047.6 5.7 210,816.1 100.0

Kentucky 8,305.3 2.9

14,808.0 5.2 283,285.2 100.0

Louisiana 2,855.6 1.8

4,858.0 3.1 155,121.3 100.0

Maine

3,847.3 4.6

7,340.0 8.9 82,776.9 100.0

Maryland 20,222.3 3.3

41,269.8 6.7 616,373.2 100.0

Massachusetts 24,581.6 3.7

52,219.6 7.9 664,331.3 100.0

Michigan 30,121.3 4.4

63,098.3 9.3 678,443.8 100.0

Minnesota 29,335.6 5.3

55,975.5 10.1 556,156.9 100.0

Mississippi 1,465.9 2.0

2,552.7 3.4 74,832.9 100.0

Missouri 13,663.5 3.1

25,813.1 5.9 436,452.8 100.0

Montana 3,811.0 4.9

7,655.8 9.9 77,016.6 100.0

Nebraska 4,325.2 2.9

8,095.6 5.4 149,557.4 100.0

Nevada 7,191.3 2.3

11,809.7 3.8 313,426.0 100.0

New Hampshire 6,494.8 5.5

9,660.8 8.1 119,062.0 100.0

New Jersey 38,052.9 4.7

72,097.6 8.9 807,624.5 100.0

New Mexico 2,426.8 2.8

4,352.8 5.1 85,506.6 100.0

New York 74,896.0 4.6

178,110.7 10.9 1,626,697.8 100.0

North Carolina 12,657.6 2.0

21,479.2 3.5 619,135.3 100.0

North Dakota 2,810.7 3.9

4,317.6 6.0 71,992.2 100.0

Ohio 34,678.4 4.2

57,515.8 7.0 817,666.3 100.0

Oklahoma 4,543.5 2.6

7,938.6 4.5 176,586.1 100.0

Oregon 10,949.9 2.9

21,284.3 5.7 375,152.8 100.0

Pennsylvania 33,113.8

3.7

66,131.2 7.4 894,083.7 100.0

Rhode Island 2,160.8 3.4

3,334.0 5.3 63,292.2 100.0

South Carolina 7,948.0 2.7

13,665.3 4.6 298,363.3 100.0

South Dakota 3,134.4 4.7

4,349.5 6.5 67,096.8 100.0

Tennessee 13,814.7 3.2

27,823.2 6.4 436,049.7 100.0

Texas 42,256.4 1.8

110,360.5 4.8 2,308,869.5 100.0

Utah 9,871.4 3.8

17,836.6 6.8 261,559.0 100.0

Vermont 3,010.6 6.0

5,946.3 11.9 49,897.5 100.0

Virginia 30,021.5 3.8

56,400.3 7.2 779,884.2 100.0

Washington 27,238.8 3.5

49,735.6 6.4 776,291.3 100.0

West Virginia 1,236.6 2.3

2,087.2 3.8 54,596.6 100.0

Wisconsin 28,627.1 5.8

51,873.7 10.6 491,183.8 100.0

Wyoming 2,036.3 7.2

3,334.5 11.8 28,281.8 100.0

Total 929,298.8 3.6

1,795,387.2 7.0 25,815,956.0 100.0

Exposure % Exposure %

Total

Table 3B

2021 House-Years by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Exposure %

$75,000 to

$99,999

$100,000

and Over

26

Table 4

2021 Average Premium

by Policy Form by Amount of Insurance

Dwelling Fire and Homeowners

Owner-Occupied Policy Forms

27

Insurance

Range

$49,999 and Exposure

200,012.5 44.3 16,202.5 3.6 25,684.4 5.7

Under Premium

67,709,569 82.3 9,277,600 11.3 16,058,567 19.5 *

Average

$339 $573 $625

$50,000 to Exposure

155,753.3 36.8 26,900.3 6.4 47,765.8 11.3 108,361.7 25.6

$74,999 Premium

78,727,457 26.9 21,610,562 7.4 40,023,577 13.7 82,878,541 28.4

Average

$505 $803 $838 $765

$75,000 to Exposure

106,805.5 20.3 32,839.8 6.2 76,845.8 14.6 241,645.7 45.9

$99,999 Premium

65,364,951 14.7 32,314,984 7.3 73,537,024 16.5 206,556,233 46.4

Average

$612 $984 $957 $855

$100,000 to Exposure

92,640.3 8.7 48,430.5 4.6 123,444.1 11.7 705,616.0 66.6

$124,999 Premium

67,838,766 6.8 58,215,832 5.8 128,009,879 12.8 653,122,703 65.5

Average

$732 $1,202 $1,037 $926

$125,000 to Exposure

71,094.7 3.6 69,884.7 3.5 180,341.7 9.0 1,516,247.8 75.8

$149,999 Premium

57,725,280 2.9 95,130,583 4.7 197,211,254 9.8 1,492,096,360 74.3

Average

$812 $1,361 $1,094 $984

$150,000 to Exposure

76,412.4 2.4 98,719.4 3.1 259,637.3 8.0 2,505,600.1 77.4

$174,999 Premium

68,641,151 2.0 141,918,818 4.2 284,149,940 8.4 2,592,726,317 76.4

Average

$898 $1,438 $1,094 $1,035

$175,000 to Exposure

69,677.0 1.6 117,941.2 2.8 317,124.0 7.5 3,282,700.4 77.7

$199,999 Premium

67,832,570 1.5 179,352,961 3.9 342,829,701 7.5 3,543,886,736 77.1

Average

$974 $1,521 $1,081 $1,080

$200,000 to Exposure

255,843.3 1.3 412,812.7 2.1 1,389,821.7 7.0 15,297,082.0 77.3

$299,999 Premium

273,920,634 1.2 699,252,119 3.0 1,530,776,289 6.6 18,069,229,059 77.5

Average

$1,071 $1,694 $1,101 $1,181

$300,000 to Exposure

168,516.9 1.2 168,535.5 1.2 891,481.9 6.2 11,317,829.5 78.1

$399,999 Premium

203,156,674 1.1 331,317,306 1.7 1,062,024,529 5.5 15,115,394,360 78.8

Average

$1,206 $1,966 $1,191 $1,336

$400,000 to Exposure

87,843.2 1.1 79,183.7 1.0 454,945.0 5.6 6,435,352.5 78.8

$499,999 Premium

127,998,840 1.0 179,789,332 1.4 624,793,434 5.0 9,913,981,093 79.5

Average

$1,457 $2,271 $1,373 $1,541

$500,000 and Exposure

129,935.0 1.2 90,093.0 0.8 529,645.0 4.8 8,534,168.7 77.0

Over Premium

318,057,282 1.2 271,228,132 1.1 1,002,634,907 3.9 18,979,857,587 74.2

Average

$2,448 $3,011 $1,893 $2,224

Total Exposure

1,414,534.1 2.2 1,161,543.1 1.8 4,296,736.6 6.6 50,046,841.2 76.5

Premium

1,396,973,173 1.5 2,019,408,229 2.2 5,302,049,101 5.7 70,605,673,935 76.4

Average

$988 $1,739 $1,234 $1,411

Table 4

2021 Average Premium by Amount of Insurance

% HO-3 %DW % HO-1

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Countrywide

HO-2 %

28

Insurance

Range

$49,999 and Exposure

64,635.6 14.3 42,995.0 9.5 451,766.8 100.0

Under Premium

20,517,409 24.9 12,787,126 15.5 82,295,215 100.0

Average

$317 $297 $182

$50,000 to Exposure

43,329.0 10.3 40,564.7 9.6 422,674.7 100.0

$74,999 Premium

41,250,907 14.1 27,845,368 9.5 292,336,411 100.0

Average

$952 $686 $692

$75,000 to Exposure

34,916.6 6.6 32,846.4 6.2 525,899.8 100.0

$99,999 Premium

37,885,677 8.5 29,447,636 6.6 445,106,506 100.0

Average

$1,085 $897 $846

$100,000 to Exposure

61,839.0 5.8 27,251.5 2.6 1,059,221.4 100.0

$124,999 Premium

61,494,380 6.2 28,017,248 2.8 996,698,808 100.0

Average

$994 $1,028 $941

$125,000 to Exposure

141,159.3 7.1 21,425.1 1.1 2,000,153.2 100.0

$149,999 Premium

140,715,222 7.0 25,392,374 1.3 2,008,271,073 100.0

Average

$997 $1,185 $1,004

$150,000 to Exposure

275,797.7 8.5 19,395.6 0.6 3,235,562.5 100.0

$174,999 Premium

277,395,927 8.2 30,471,683 0.9 3,395,303,836 100.0

Average

$1,006 $1,571 $1,049

$175,000 to Exposure

423,046.4 10.0 14,703.4 0.3 4,225,192.4 100.0

$199,999 Premium

436,617,255 9.5 27,865,869 0.6 4,598,385,092 100.0

Average

$1,032 $1,895 $1,088

$200,000 to Exposure

2,395,240.1 12.1 34,266.5 0.2 19,785,066.3 100.0

$299,999 Premium

2,670,746,354 11.5 77,302,137 0.3 23,321,226,591 100.0

Average

$1,115 $2,256 $1,179

$300,000 to Exposure

1,934,032.3 13.3 11,497.7 0.1 14,491,893.9 100.0

$399,999 Premium

2,443,439,930 12.7 26,036,733 0.1 19,181,369,531 100.0

Average

$1,263 $2,265 $1,324

$400,000 to Exposure

1,098,537.5 13.5 6,504.3 0.1 8,162,366.1 100.0

$499,999 Premium

1,604,464,201 12.9 12,884,133 0.1 12,463,911,033 100.0

Average

$1,461 $1,981 $1,527

$500,000 and Exposure

1,790,632.9 16.1 14,068.4 0.1 11,088,542.9 100.0

Over Premium

4,972,931,253 19.4 28,232,513 0.1 25,572,941,674 100.0

Average

$2,777 $2,007 $2,306

Total Exposure

8,263,166.4 12.6 265,518.5 0.4 65,448,339.9 100.0

Premium

12,707,458,514 13.8 326,282,819 0.4 92,357,845,770 100.0

Average

$1,538 $1,229 $1,411

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Countrywide

% Total %HO-8HO-5 %

29

Insurance

Range

$49,999 and Exposure

16,777.0 83.0 5.0 0.0 17.3 0.1 860.0 4.3

Under Premium

4,972,790 79.5 2,807 0.0 20,143 0.3 620,355 9.9

Average

$296 $561 $1,168 $721

$50,000 to Exposure

12,264.3 60.6 75.3 0.4 190.2 0.9 5,711.2 28.2

$74,999 Premium

5,216,594 44.3 43,396 0.4 165,638 1.4 4,905,238 41.7

Average

$425 $577 $871 $859

$75,000 to Exposure

6,918.5 27.7 69.5 0.3 495.0 2.0 14,562.3 58.4

$99,999 Premium

3,718,176 17.8 42,122 0.2 463,502 2.2 14,065,723 67.3

Average

$537 $606 $936 $966

$100,000 to Exposure

3,684.0 7.6 69.3 0.1 2,358.3 4.8 38,603.3 79.3

$124,999 Premium

2,626,105 5.1 54,752 0.1 2,553,195 5.0 41,732,829 81.6

Average

$713 $790 $1,083 $1,081

$125,000 to Exposure

1,844.3 2.2 71.3 0.1 7,130.3 8.4 72,016.0 84.7

$149,999 Premium

1,534,542 1.5 45,490 0.0 8,168,481 8.1 85,497,261 85.2

Average

$832 $638 $1,146 $1,187

$150,000 to Exposure

1,599.8 1.4 82.3 0.1 11,585.3 10.5 92,183.7 83.3

$174,999 Premium

1,572,751 1.1 66,362 0.0 14,125,785 10.0 117,519,523 83.6

Average

$983 $807 $1,219 $1,275

$175,000 to Exposure

1,166.3 1.0 66.8 0.1 13,711.9 11.6 98,099.0 82.7

$199,999 Premium

1,314,269 0.8 49,313 0.0 17,491,362 10.9 133,240,463 83.0

Average

$1,127 $738 $1,276 $1,358

$200,000 to Exposure

2,914.3 0.8 280.8 0.1 46,306.3 12.5 298,564.3 80.7

$299,999 Premium

3,917,615 0.7 221,978 0.0 65,176,966 11.6 456,602,754 81.1

Average

$1,344 $790 $1,408 $1,529

$300,000 to Exposure

988.6 0.6 110.4 0.1 17,595.0 10.4 137,642.8 81.3

$399,999 Premium

1,587,797 0.5 94,403 0.0 29,080,275 9.6 249,063,668 82.0

Average

$1,606 $855 $1,653 $1,809

$400,000 to Exposure

357.8 0.5 36.8 0.0 6,939.5 9.4 60,439.1 81.7

$499,999 Premium

670,282 0.4 34,858 0.0 13,549,025 8.7 128,145,616 82.3

Average

$1,873 $946 $1,952 $2,120

$500,000 and Exposure

237.8 0.3 20.0 0.0 7,060.4 8.5 65,471.8 78.5

Over Premium

510,617 0.2 15,907 0.0 20,117,916 7.9 191,752,128 75.7

Average

$2,147 $795 $2,849 $2,929

Total Exposure

48,752.5 4.3 887.5 0.1 113,389.3 10.1 884,153.3 78.6

Premium

27,641,538 1.6 671,388 0.0 170,912,288 9.7 1,423,145,558 80.5

Average

$567 $756 $1,507 $1,610

HO-1 %

Table 4

2021 Average Premium by Amount of Insurance

HO-2 % HO-3 %DW %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Alabama

30

Insurance

Range

$49,999 and Exposure

1,649.9 8.2 914.5 4.5 20,223.7 100.0

Under Premium

277,676 4.4 363,899 5.8 6,257,670 100.0

Average

$168 $398 $309

$50,000 to Exposure

283.8 1.4 1,705.1 8.4 20,229.8 100.0

$74,999 Premium

105,553 0.9 1,330,327 11.3 11,766,746 100.0

Average

$372 $780 $582

$75,000 to Exposure

111.5 0.4 2,785.8 11.2 24,942.6 100.0

$99,999 Premium

111,068 0.5 2,505,428 12.0 20,906,019 100.0

Average

$996 $899 $838

$100,000 to Exposure

667.8 1.4 3,268.8 6.7 48,651.5 100.0

$124,999 Premium

834,645 1.6 3,347,197 6.5 51,148,723 100.0

Average

$1,250 $1,024 $1,051

$125,000 to Exposure

1,780.8 2.1 2,181.7 2.6 85,024.3 100.0

$149,999 Premium

2,466,376 2.5 2,695,557 2.7 100,407,707 100.0

Average

$1,385 $1,236 $1,181

$150,000 to Exposure

3,203.8 2.9 1,961.3 1.8 110,616.0 100.0

$174,999 Premium

4,804,031 3.4 2,508,033 1.8 140,596,485 100.0

Average

$1,500 $1,279 $1,271

$175,000 to Exposure

4,451.9 3.8 1,083.8 0.9 118,579.7 100.0

$199,999 Premium

6,886,219 4.3 1,528,888 1.0 160,510,514 100.0

Average

$1,547 $1,411 $1,354

$200,000 to Exposure

20,512.5 5.5 1,444.2 0.4 370,022.3 100.0

$299,999 Premium

34,864,288 6.2 2,177,766 0.4 562,961,367 100.0

Average

$1,700 $1,508 $1,521

$300,000 to Exposure

12,657.6 7.5 215.0 0.1 169,209.4 100.0

$399,999 Premium

23,690,965 7.8 379,326 0.1 303,896,434 100.0

Average

$1,872 $1,764 $1,796

$400,000 to Exposure

6,134.5 8.3 88.8 0.1 73,996.5 100.0

$499,999 Premium

13,242,607 8.5 141,358 0.1 155,783,746 100.0

Average

$2,159 $1,593 $2,105

$500,000 and Exposure

10,536.4 12.6 75.0 0.1 83,401.5 100.0

Over Premium

40,649,864 16.1 148,612 0.1 253,195,044 100.0

Average

$3,858 $1,981 $3,036

Total Exposure

61,990.6 5.5 15,723.9 1.4 1,124,897.2 100.0

Premium

127,933,292 7.2 17,126,391 1.0 1,767,430,455 100.0

Average

$2,064 $1,089 $1,571

Table 4

2021 Average Premium by Amount of Insurance

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Alabama

31

Insurance

Range

$49,999 and Exposure

270.8 79.2 3.4 1.0 54.0 15.8

Under Premium

37,383 52.2 * 3,856 5.4 28,192 39.4

Average

$138 $1,129 $522

$50,000 to Exposure

83.5 44.5 3.0 1.6 99.1 52.8

$74,999 Premium

35,878 34.9 * 3,501 3.4 62,241 60.6

Average

$430 $1,167 $628

$75,000 to Exposure

68.3 16.3 1.0 0.2 342.0 81.8

$99,999 Premium

32,351 13.2 * 676 0.3 208,578 85.3

Average

$474 $676 $610

$100,000 to Exposure

97.3 9.2 955.1 89.9

$124,999 Premium

62,747 9.2 * * 612,219 89.9

Average

$645 $641

$125,000 to Exposure

65.5 3.5 1.0 0.1 1.0 0.1 1,765.5 95.6

$149,999 Premium

31,111 2.6 579 0.0 361 0.0 1,163,478 96.7

Average

$475 $579 $361 $659

$150,000 to Exposure

100.4 3.0 3,206.5 95.4

$174,999 Premium

57,571 2.5 * * 2,239,027 95.9

Average

$573 $698

$175,000 to Exposure

134.8 2.5 4.0 0.1 5,094.8 95.7

$199,999 Premium

90,808 2.4 * 2,304 0.1 3,691,326 95.9

Average

$674 $576 $725

$200,000 to Exposure

488.6 1.3 2.0 0.0 20.0 0.1 37,499.8 96.2

$299,999 Premium

378,314 1.2 2,180 0.0 17,449 0.1 31,211,208 96.5

Average

$774 $1,090 $872 $832

$300,000 to Exposure

418.5 0.9 4.0 0.0 12.8 0.0 44,366.3 96.2

$399,999 Premium

364,913 0.8 3,945 0.0 13,618 0.0 43,741,948 96.4

Average

$872 $986 $1,061 $986

$400,000 to Exposure

231.3 0.8 8.0 0.0 28,229.3 96.0

$499,999 Premium

223,865 0.7 * 11,341 0.0 32,758,686 96.3

Average

$968 $1,418 $1,160

$500,000 and Exposure

234.5 0.8 1.0 0.0 11.0 0.0 29,658.8 95.8

Over Premium

333,576 0.7 2,313 0.0 20,110 0.0 45,682,286 95.3

Average

$1,422 $2,313 $1,828 $1,540

Total Exposure

2,193.4 1.4 8.0 0.0 63.3 0.0 151,271.2 95.8

Premium

1,648,517 1.0 9,017 0.0 72,703 0.0 161,399,189 96.0

Average

$752 $1,127 $1,149 $1,067

2021 Average Premium by Amount of Insurance

Alaska

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Table 4

DW % HO-1 % HO-2 % HO-3 %

32

Insurance

Range

$49,999 and Exposure

11.7 3.4 2.0 0.6 341.8 100.0

Under Premium

1,228 1.7 944 1.3 71,603 100.0

Average

$105 $472 $209

$50,000 to Exposure

2.0 1.1 187.6 100.0

$74,999 Premium

* 1,171 1.1 102,791 100.0

Average

$586 $548

$75,000 to Exposure

7.0 1.7 418.3 100.0

$99,999 Premium

2,900 1.2 * 244,505 100.0

Average

$414 $585

$100,000 to Exposure

9.0 0.8 1.5 0.1 1,062.9 100.0

$124,999 Premium

5,015 0.7 1,323 0.2 681,304 100.0

Average

$557 $882 $641

$125,000 to Exposure

14.3 0.8 1,847.3 100.0

$149,999 Premium

7,095 0.6 * 1,202,624 100.0

Average

$498 $651

$150,000 to Exposure

55.4 1.6 1.0 0.0 3,362.3 100.0

$174,999 Premium

36,390 1.6 1,211 0.1 2,333,686 100.0

Average

$657 $1,211 $694

$175,000 to Exposure

90.9 1.7 1.0 0.0 5,325.4 100.0

$199,999 Premium

65,396 1.7 116 0.0 3,849,950 100.0

Average

$719 $116 $723

$200,000 to Exposure

963.8 2.5 2.0 0.0 38,976.2 100.0

$299,999 Premium

741,935 2.3 3,340 0.0 32,354,426 100.0

Average

$770 $1,670 $830

$300,000 to Exposure

1,304.8 2.8 1.0 0.0 46,107.5 100.0

$399,999 Premium

1,242,955 2.7 2,985 0.0 45,370,364 100.0

Average

$953 $2,985 $984

$400,000 to Exposure

931.4 3.2 1.0 0.0 29,401.0 100.0

$499,999 Premium

1,020,560 3.0 3,375 0.0 34,017,827 100.0

Average

$1,096 $3,375 $1,157

$500,000 and Exposure

1,044.7 3.4 30,950.0 100.0

Over Premium

1,877,799 3.9 * 47,916,084 100.0

Average

$1,798 $1,548

Total Exposure

4,432.9 2.8 11.5 0.0 157,980.3 100.0

Premium

5,001,273 3.0 14,465 0.0 168,145,164 100.0

Average

$1,128 $1,258 $1,064

2021 Average Premium by Amount of Insurance

Alaska

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Table 4

%HO-5 % HO-8 % Total

33

Insurance

Range

$49,999 and Exposure

669.1 32.6 4.0 0.2 307.0 14.9 633.3 30.8

Under Premium

242,651 32.3 837 0.1 122,017 16.2 297,255 39.5

Average

$363 $209 $397 $469

$50,000 to Exposure

387.5 19.5 25.0 1.3 212.2 10.7 920.4 46.2

$74,999 Premium

190,635 20.7 5,276 0.6 101,389 11.0 468,026 50.8

Average

$492 $211 $478 $508

$75,000 to Exposure

562.6 12.0 93.8 2.0 433.3 9.2 3,114.9 66.2

$99,999 Premium

326,063 12.7 24,940 1.0 212,436 8.3 1,744,896 67.9

Average

$580 $266 $490 $560

$100,000 to Exposure

897.9 5.6 235.0 1.5 1,676.7 10.4 11,965.8 74.2

$124,999 Premium

586,730 5.8 73,872 0.7 955,318 9.5 7,610,090 75.7

Average

$653 $314 $570 $636

$125,000 to Exposure

776.7 1.9 282.0 0.7 4,623.9 11.0 32,256.3 77.0

$149,999 Premium

572,363 2.0 95,419 0.3 2,978,335 10.4 22,300,723 77.7

Average

$737 $338 $644 $691

$150,000 to Exposure

873.1 1.1 391.7 0.5 8,587.3 10.4 64,708.1 78.2

$174,999 Premium

676,117 1.1 167,233 0.3 6,074,478 10.1 46,825,220 78.2

Average

$774 $427 $707 $724

$175,000 to Exposure

801.4 0.7 309.1 0.3 12,372.7 10.2 93,947.7 77.2

$199,999 Premium

627,268 0.7 124,835 0.1 9,253,019 10.1 70,185,058 76.8

Average

$783 $404 $748 $747

$200,000 to Exposure

2,879.8 0.5 529.8 0.1 51,101.7 8.4 462,307.9 75.6

$299,999 Premium

2,235,218 0.5 235,000 0.0 42,114,727 8.6 364,464,038 74.2

Average

$776 $444 $824 $788

$300,000 to Exposure

1,443.3 0.4 136.2 0.0 23,316.9 6.1 292,959.3 76.8

$399,999 Premium

1,262,615 0.4 76,008 0.0 21,850,437 6.3 259,599,908 74.9

Average

$875 $558 $937 $886

$400,000 to Exposure

504.1 0.3 48.2 0.0 10,088.0 5.6 137,386.9 76.5

$499,999 Premium

571,505 0.3 31,165 0.0 11,049,131 5.8 142,555,347 74.3

Average

$1,134 $647 $1,095 $1,038

$500,000 and Exposure

571.4 0.3 31.0 0.0 12,049.2 5.7 154,878.6 73.4

Over Premium

1,059,312 0.3 15,403 0.0 19,327,821 5.7 235,158,461 69.1

Average

$1,854 $497 $1,604 $1,518

Total Exposure

10,366.8 0.6 2,085.8 0.1 124,768.8 7.5 1,255,079.2 75.8

Premium

8,350,477 0.5 849,988 0.1 114,039,108 7.3 1,151,209,022 73.6

Average

$806 $408 $914 $917

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Arizona

HO-2 % HO-3 %DW % HO-1 %

34

Insurance

Range

$49,999 and Exposure

214.1 10.4 228.0 11.1 2,055.4 100.0

Under Premium

30,377 4.0 58,927 7.8 752,064 100.0

Average

$142 $258 $366

$50,000 to Exposure

75.5 3.8 371.4 18.6 1,992.0 100.0

$74,999 Premium

18,194 2.0 138,596 15.0 922,116 100.0

Average

$241 $373 $463

$75,000 to Exposure

156.3 3.3 342.1 7.3 4,703.0 100.0

$99,999 Premium

81,370 3.2 179,696 7.0 2,569,401 100.0

Average

$521 $525 $546

$100,000 to Exposure

1,050.2 6.5 307.4 1.9 16,133.0 100.0

$124,999 Premium

640,785 6.4 188,927 1.9 10,055,722 100.0

Average

$610 $615 $623

$125,000 to Exposure

3,752.7 9.0 221.8 0.5 41,913.3 100.0

$149,999 Premium

2,598,016 9.1 147,116 0.5 28,691,972 100.0

Average

$692 $663 $685

$150,000 to Exposure

7,996.8 9.7 185.8 0.2 82,742.8 100.0

$174,999 Premium

6,028,188 10.1 128,936 0.2 59,900,172 100.0

Average

$754 $694 $724

$175,000 to Exposure

14,107.9 11.6 128.7 0.1 121,667.4 100.0

$199,999 Premium

11,122,846 12.2 79,531 0.1 91,392,557 100.0

Average

$788 $618 $751

$200,000 to Exposure

94,632.0 15.5 247.3 0.0 611,698.4 100.0

$299,999 Premium

82,131,276 16.7 144,670 0.0 491,324,929 100.0

Average

$868 $585 $803

$300,000 to Exposure

63,515.4 16.7 55.6 0.0 381,426.6 100.0

$399,999 Premium

63,568,244 18.4 41,461 0.0 346,398,673 100.0

Average

$1,001 $746 $908

$400,000 to Exposure

31,520.8 17.6 179,546.1 100.0

$499,999 Premium

37,638,178 19.6 * 191,855,239 100.0

Average

$1,194 $1,069

$500,000 and Exposure

43,418.5 20.6 1.1 0.0 210,949.8 100.0

Over Premium

84,932,292 24.9 8,463 0.0 340,501,752 100.0

Average

$1,956 $7,812 $1,614

Total Exposure

260,440.1 15.7 2,087.2 0.1 1,654,827.8 100.0

Premium

288,789,766 18.5 1,126,236 0.1 1,564,364,597 100.0

Average

$1,109 $540 $945

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Arizona

Total %HO-5 % HO-8 %

35

Insurance

Range

$49,999 and Exposure

5,439.6 53.5 115.5 1.1 70.8 0.7 594.2 5.8

Under Premium

1,280,401 49.7 40,754 1.6 31,223 1.2 541,754 21.0

Average

$235 $353 $441 $912

$50,000 to Exposure

3,197.6 32.5 429.1 4.4 512.3 5.2 2,724.4 27.7

$74,999 Premium

1,093,907 16.9 178,103 2.7 267,981 4.1 2,479,717 38.2

Average

$342 $415 $523 $910

$75,000 to Exposure

1,876.5 12.7 441.5 3.0 645.8 4.4 8,209.1 55.7

$99,999 Premium

827,943 6.5 212,448 1.7 497,805 3.9 7,740,369 60.4

Average

$441 $481 $771 $943

$100,000 to Exposure

1,099.8 4.1 357.7 1.3 1,440.1 5.4 20,713.5 77.1

$124,999 Premium

708,437 2.5 221,447 0.8 1,429,263 5.1 22,062,049 78.1

Average

$644 $619 $992 $1,065

$125,000 to Exposure

596.5 1.5 202.7 0.5 2,917.8 7.3 32,961.5 83.0

$149,999 Premium

469,817 1.0 135,821 0.3 3,371,901 7.1 39,244,531 83.1

Average

$788 $670 $1,156 $1,191

$150,000 to Exposure

483.7 1.0 135.6 0.3 5,418.8 10.7 40,700.8 80.2

$174,999 Premium

474,988 0.7 94,076 0.1 6,351,366 9.8 52,428,107 80.6

Average

$982 $694 $1,172 $1,288

$175,000 to Exposure

263.5 0.5 98.3 0.2 5,898.0 11.2 42,329.3 80.2

$199,999 Premium

272,416 0.4 76,630 0.1 7,468,361 10.3 58,183,351 80.5

Average

$1,034 $779 $1,266 $1,375

$200,000 to Exposure

663.6 0.4 122.7 0.1 15,847.3 10.4 123,397.8 80.7

$299,999 Premium

894,886 0.4 118,285 0.0 23,482,374 9.8 192,012,393 80.3

Average

$1,349 $964 $1,482 $1,556

$300,000 to Exposure

205.5 0.3 18.0 0.0 5,209.6 8.4 51,416.8 82.4

$399,999 Premium

311,163 0.3 20,518 0.0 9,343,926 7.9 96,294,789 81.7

Average

$1,514 $1,140 $1,794 $1,873

$400,000 to Exposure

56.4 0.2 6.0 0.0 2,118.4 8.1 21,767.1 83.0

$499,999 Premium

105,129 0.2 7,513 0.0 4,626,678 7.9 48,364,098 82.2

Average

$1,863 $1,252 $2,184 $2,222

$500,000 and Exposure

81.9 0.3 2.0 0.0 2,622.7 8.9 22,858.9 77.4

Over Premium

179,953 0.2 2,674 0.0 8,808,810 8.9 72,995,587 73.6

Average

$2,197 $1,337 $3,359 $3,193

Total Exposure

13,964.6 2.9 1,929.0 0.4 42,701.5 9.0 367,673.4 77.3

Premium

6,619,040 0.9 1,108,269 0.1 65,679,688 8.8 592,346,745 79.0

Average

$474 $575 $1,538 $1,611

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Arkansas

DW % HO-1 % HO-2 % HO-3 %

36

Insurance

Range

$49,999 and Exposure

375.4 3.7 3,568.4 35.1 10,163.8 100.0

Under Premium

60,222 2.3 621,636 24.1 2,575,990 100.0

Average

$160 $174 $253

$50,000 to Exposure

173.8 1.8 2,786.6 28.4 9,823.8 100.0

$74,999 Premium

197,418 3.0 2,271,047 35.0 6,488,173 100.0

Average

$1,136 $815 $660

$75,000 to Exposure

303.5 2.1 3,253.8 22.1 14,730.3 100.0

$99,999 Premium

384,529 3.0 3,157,961 24.6 12,821,055 100.0

Average

$1,267 $971 $870

$100,000 to Exposure

799.2 3.0 2,449.2 9.1 26,859.4 100.0

$124,999 Premium

1,002,138 3.5 2,808,327 9.9 28,231,661 100.0

Average

$1,254 $1,147 $1,051

$125,000 to Exposure

1,861.2 4.7 1,186.8 3.0 39,726.4 100.0

$149,999 Premium

2,443,348 5.2 1,545,034 3.3 47,210,452 100.0

Average

$1,313 $1,302 $1,188

$150,000 to Exposure

3,230.8 6.4 780.2 1.5 50,749.9 100.0

$174,999 Premium

4,535,262 7.0 1,128,665 1.7 65,012,464 100.0

Average

$1,404 $1,447 $1,281

$175,000 to Exposure

3,797.5 7.2 362.8 0.7 52,749.4 100.0

$199,999 Premium

5,663,422 7.8 569,564 0.8 72,233,744 100.0

Average

$1,491 $1,570 $1,369

$200,000 to Exposure

12,350.1 8.1 493.2 0.3 152,874.6 100.0

$299,999 Premium

21,688,892 9.1 871,717 0.4 239,068,547 100.0

Average

$1,756 $1,768 $1,564

$300,000 to Exposure

5,393.5 8.6 120.0 0.2 62,363.4 100.0

$399,999 Premium

11,604,813 9.8 271,908 0.2 117,847,117 100.0

Average

$2,152 $2,266 $1,890

$400,000 to Exposure

2,218.0 8.5 45.9 0.2 26,211.8 100.0

$499,999 Premium

5,634,368 9.6 134,770 0.2 58,872,556 100.0

Average

$2,540 $2,935 $2,246

$500,000 and Exposure

3,914.3 13.3 56.3 0.2 29,536.0 100.0

Over Premium

16,977,657 17.1 218,953 0.2 99,183,634 100.0

Average

$4,337 $3,892 $3,358

Total Exposure

34,417.2 7.2 15,103.2 3.2 475,788.8 100.0

Premium

70,192,069 9.4 13,599,582 1.8 749,545,393 100.0

Average

$2,039 $900 $1,575

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Arkansas

Total %HO-5 % HO-8 %

37

Insurance

Range

$49,999 and Exposure

3,027.5 90.7 299.0 9.0

Under Premium

308,263 64.9 * * 157,330 33.1

Average

$102 $526

$50,000 to Exposure

2,428.3 68.5 1,028.9 29.0

$74,999 Premium

411,184 43.6 * * 503,997 53.5

Average

$169 $490

$75,000 to Exposure

2,766.4 83.2 455.4 13.7

$99,999 Premium

622,304 66.3 * * 271,458 28.9

Average

$225 $596

$100,000 to Exposure

4,480.9 66.6 0.4 0.0 1,670.6 24.8

$124,999 Premium

1,266,033 47.7 54 0.0 * 1,071,635 40.4

Average

$283 $130 $641

$125,000 to Exposure

6,421.6 42.4 1.0 0.0 5,873.3 38.8

$149,999 Premium

2,194,501 28.1 * 335 0.0 3,872,291 49.6

Average

$342 $336 $659

$150,000 to Exposure

11,498.1 27.9 19,891.1 48.2

$174,999 Premium

4,383,681 17.4 * * 13,988,172 55.6

Average

$381 $703

$175,000 to Exposure

15,723.2 18.4 6.2 0.0 46,407.4 54.2

$199,999 Premium

6,530,659 11.2 * 3,402 0.0 34,249,843 58.8

Average

$415 $548 $738

$200,000 to Exposure

92,885.4 9.3 58.8 0.0 653,175.6 65.1

$299,999 Premium

49,681,074 5.9 * 38,616 0.0 559,680,865 66.4

Average

$535 $657 $857

$300,000 to Exposure

83,057.1 5.2 2.0 0.0 106.7 0.0 1,189,328.8 74.0

$399,999 Premium

67,300,224 4.1 1,251 0.0 84,896 0.0 1,201,488,158 73.2

Average

$810 $626 $796 $1,010

$400,000 to Exposure

49,367.7 3.7 2.3 0.0 69.3 0.0 1,035,713.3 77.8

$499,999 Premium

58,894,608 3.6 1,390 0.0 61,301 0.0 1,238,620,726 76.2

Average

$1,193 $618 $884 $1,196

$500,000 and Exposure

94,281.6 3.8 3.0 0.0 86.7 0.0 1,954,779.2 78.3

Over Premium

232,626,322 4.4 3,404 0.0 122,271 0.0 3,830,988,803 72.2

Average

$2,467 $1,135 $1,410 $1,960

Total Exposure

365,937.8 5.5 7.7 0.0 326.7 0.0 4,908,622.5 74.4

Premium

424,218,852 4.5 6,099 0.0 310,671 0.0 6,884,893,280 72.4

Average

$1,159 $796 $951 $1,403

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

California

HO-2 % HO-3 %DW % HO-1 %

38

Insurance

Range

$49,999 and Exposure

9.8 0.3 3,336.4 100.0

Under Premium

9,040 1.9 * 474,633 100.0

Average

$919 $142

$50,000 to Exposure

61.1 1.7 25.7 0.7 3,544.0 100.0

$74,999 Premium

17,684 1.9 9,533 1.0 942,397 100.0

Average

$290 $371 $266

$75,000 to Exposure

49.3 1.5 52.8 1.6 3,323.9 100.0

$99,999 Premium

22,275 2.4 22,833 2.4 938,871 100.0

Average

$452 $432 $282

$100,000 to Exposure

491.6 7.3 86.3 1.3 6,729.8 100.0

$124,999 Premium

269,133 10.1 48,993 1.8 2,655,848 100.0

Average

$547 $568 $395

$125,000 to Exposure

2,734.4 18.1 111.4 0.7 15,141.8 100.0

$149,999 Premium

1,654,756 21.2 90,435 1.2 7,812,318 100.0

Average

$605 $812 $516

$150,000 to Exposure

9,688.5 23.5 188.7 0.5 41,264.4 100.0

$174,999 Premium

6,607,842 26.3 174,628 0.7 25,154,173 100.0

Average

$682 $925 $610

$175,000 to Exposure

23,127.8 27.0 296.6 0.3 85,561.1 100.0

$199,999 Premium

17,133,090 29.4 297,597 0.5 58,214,591 100.0

Average

$741 $1,003 $680

$200,000 to Exposure

254,209.0 25.3 2,811.6 0.3 1,003,140.4 100.0

$299,999 Premium

229,885,006 27.3 3,219,380 0.4 842,504,940 100.0

Average

$904 $1,145 $840

$300,000 to Exposure

329,951.4 20.5 4,912.6 0.3 1,607,358.5 100.0

$399,999 Premium

366,711,893 22.3 6,379,757 0.4 1,641,966,178 100.0

Average

$1,111 $1,299 $1,022

$400,000 to Exposure

240,984.8 18.1 4,596.8 0.3 1,330,734.1 100.0

$499,999 Premium

320,974,495 19.7 6,663,447 0.4 1,625,215,967 100.0

Average

$1,332 $1,450 $1,221

$500,000 and Exposure

436,755.8 17.5 10,859.3 0.4 2,496,765.5 100.0

Over Premium

1,218,463,782 23.0 20,564,448 0.4 5,302,769,030 100.0

Average

$2,790 $1,894 $2,124

Total Exposure

1,298,063.5 19.7 23,941.6 0.4 6,596,899.8 100.0

Premium

2,161,748,995 22.7 37,471,050 0.4 9,508,648,946 100.0

Average

$1,665 $1,565 $1,441

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

California

Total %HO-5 % HO-8 %

39

Insurance

Range

$49,999 and Exposure

387.5 31.7 4.0 0.3 126.3 10.3

Under Premium

325,267 68.3 * 2,992 0.6 96,369 20.2

Average

$839 $748 $763

$50,000 to Exposure

353.0 35.2 4.0 0.4 6.3 0.6 437.8 43.7

$74,999 Premium

213,047 30.4 2,976 0.4 6,553 0.9 347,488 49.6

Average

$604 $744 $1,035 $794

$75,000 to Exposure

509.1 21.6 16.3 0.7 49.7 2.1 1,535.7 65.2

$99,999 Premium

280,242 14.6 19,865 1.0 42,500 2.2 1,327,102 69.0

Average

$550 $1,216 $856 $864

$100,000 to Exposure

588.8 8.0 23.2 0.3 408.8 5.6 5,741.3 78.4

$124,999 Premium

376,987 5.2 33,187 0.5 475,008 6.5 5,750,163 78.9

Average

$640 $1,433 $1,162 $1,002

$125,000 to Exposure

651.8 3.5 41.4 0.2 1,245.3 6.8 14,899.2 81.0

$149,999 Premium

400,135 1.9 47,278 0.2 1,595,823 7.7 16,708,603 80.4

Average

$614 $1,142 $1,282 $1,121

$150,000 to Exposure

667.4 1.9 55.3 0.2 2,807.8 7.9 28,649.3 80.5

$174,999 Premium

499,246 1.1 65,546 0.1 3,945,440 9.0 34,723,482 79.0

Average

$748 $1,186 $1,405 $1,212

$175,000 to Exposure

661.3 1.3 60.7 0.1 4,551.0 8.6 41,757.1 79.1

$199,999 Premium

529,827 0.8 82,603 0.1 6,787,971 9.7 54,244,936 77.3

Average

$801 $1,362 $1,492 $1,299

$200,000 to Exposure

2,228.9 0.6 139.5 0.0 31,099.6 8.9 273,357.3 78.0

$299,999 Premium

2,332,960 0.4 238,253 0.0 55,485,383 10.4 398,762,222 74.8

Average

$1,047 $1,708 $1,784 $1,459

$300,000 to Exposure

1,626.5 0.5 27.3 0.0 26,111.3 7.3 279,152.4 78.5

$399,999 Premium

1,859,420 0.3 59,383 0.0 55,703,642 9.0 461,490,065 74.5

Average

$1,143 $2,173 $2,133 $1,653

$400,000 to Exposure

884.7 0.4 5.3 0.0 13,163.5 5.7 183,988.3 79.9

$499,999 Premium

1,062,826 0.2 9,582 0.0 31,531,918 7.0 342,803,552 75.8

Average

$1,201 $1,825 $2,395 $1,863

$500,000 and Exposure

836.8 0.3 7.0 0.0 16,435.3 4.9 263,722.4 78.9

Over Premium

1,275,825 0.1 16,299 0.0 47,536,098 5.4 653,486,405 73.7

Average

$1,525 $2,328 $2,892 $2,478

Total Exposure

9,395.7 0.7 379.9 0.0 95,882.5 6.9 1,093,366.8 78.7

Premium

9,155,782 0.3 574,972 0.0 203,113,328 7.7 1,969,740,387 74.7

Average

$974 $1,513 $2,118 $1,802

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Colorado

DW % HO-1 % HO-2 % HO-3 %

40

Insurance

Range

$49,999 and Exposure

100.3 8.2 605.9 49.5 1,224.0 100.0

Under Premium

15,875 3.3 35,779 7.5 476,282 100.0

Average

$158 $59 $389

$50,000 to Exposure

48.3 4.8 152.2 15.2 1,001.6 100.0

$74,999 Premium

29,129 4.2 101,034 14.4 700,227 100.0

Average

$603 $664 $699

$75,000 to Exposure

68.5 2.9 174.8 7.4 2,354.0 100.0

$99,999 Premium

98,940 5.1 153,860 8.0 1,922,509 100.0

Average

$1,444 $880 $817

$100,000 to Exposure

355.9 4.9 201.8 2.8 7,319.8 100.0

$124,999 Premium

439,238 6.0 208,923 2.9 7,283,506 100.0

Average

$1,234 $1,035 $995

$125,000 to Exposure

1,388.3 7.5 171.8 0.9 18,397.8 100.0

$149,999 Premium

1,823,161 8.8 213,579 1.0 20,788,579 100.0

Average

$1,313 $1,243 $1,130

$150,000 to Exposure

3,251.0 9.1 175.7 0.5 35,606.3 100.0

$174,999 Premium

4,449,978 10.1 247,476 0.6 43,931,168 100.0

Average

$1,369 $1,409 $1,234

$175,000 to Exposure

5,643.2 10.7 145.9 0.3 52,819.1 100.0

$199,999 Premium

8,296,279 11.8 236,371 0.3 70,177,987 100.0

Average

$1,470 $1,620 $1,329

$200,000 to Exposure

43,253.4 12.3 318.7 0.1 350,397.3 100.0

$299,999 Premium

75,608,471 14.2 584,686 0.1 533,011,975 100.0

Average

$1,748 $1,835 $1,521

$300,000 to Exposure

48,641.8 13.7 94.4 0.0 355,653.8 100.0

$399,999 Premium

100,278,277 16.2 235,740 0.0 619,626,527 100.0

Average

$2,062 $2,497 $1,742

$400,000 to Exposure

32,149.3 14.0 31.3 0.0 230,222.2 100.0

$499,999 Premium

76,591,028 16.9 94,582 0.0 452,093,488 100.0

Average

$2,382 $3,027 $1,964

$500,000 and Exposure

53,418.9 16.0 16.9 0.0 334,437.3 100.0

Over Premium

183,992,981 20.8 92,314 0.0 886,399,922 100.0

Average

$3,444 $5,457 $2,650

Total Exposure

188,318.9 13.6 2,089.3 0.2 1,389,433.2 100.0

Premium

451,623,357 17.1 2,204,344 0.1 2,636,412,170 100.0

Average

$2,398 $1,055 $1,897

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Colorado

Total %HO-5 % HO-8 %

41

Insurance

Range

$49,999 and Exposure

92.8 4.8 1,399.2 72.4

Under Premium

121,445 6.0 * * 2,301,544 113.6

Average

$1,309 $1,645

$50,000 to Exposure

28.7 7.9 2.2 0.6 173.8 47.8

$74,999 Premium

50,862 50.5 * 724 0.7 29,652 29.5

Average

$1,774 $334 $171

$75,000 to Exposure

45.8 32.6 2.0 1.4 79.7 56.7

$99,999 Premium

39,589 40.2 * 1,045 1.1 54,704 55.6

Average

$864 $523 $687

$100,000 to Exposure

171.3 29.8 305.4 53.1

$124,999 Premium

181,011 38.4 * * 263,782 56.0

Average

$1,057 $864

$125,000 to Exposure

140.3 8.0 21.3 1.2 1,495.7 85.8

$149,999 Premium

142,953 9.0 * 13,122 0.8 1,353,110 85.6

Average

$1,019 $618 $905

$150,000 to Exposure

244.2 4.5 48.0 0.9 4,801.4 88.1

$174,999 Premium

274,737 5.3 * 35,011 0.7 4,531,257 88.0

Average

$1,125 $729 $944

$175,000 to Exposure

280.4 2.1 130.9 1.0 11,751.3 90.1

$199,999 Premium

310,438 2.4 * 105,075 0.8 11,705,868 90.6

Average

$1,107 $803 $996

$200,000 to Exposure

1,281.8 0.8 5,646.9 3.4 143,991.3 87.6

$299,999 Premium

1,789,917 1.0 * 5,532,334 3.0 164,910,872 88.6

Average

$1,396 $980 $1,145

$300,000 to Exposure

652.7 0.3 9,981.0 5.0 168,452.6 85.2

$399,999 Premium

1,072,393 0.4 * 11,924,014 4.5 231,403,636 86.5

Average

$1,643 $1,195 $1,374

$400,000 to Exposure

320.2 0.2 5,981.8 4.5 111,889.6 84.6

$499,999 Premium

570,065 0.3 * 8,873,090 4.1 184,030,133 86.0

Average

$1,781 $1,483 $1,645

$500,000 and Exposure

295.1 0.2 6,652.7 3.6 146,756.8 78.8

Over Premium

569,757 0.1 * 14,116,610 2.8 375,077,010 75.2

Average

$1,931 $2,122 $2,556

Total Exposure

3,553.0 0.5 28,469.0 4.0 591,096.7 84.0

Premium

5,123,167 0.4 * 40,600,177 3.4 975,661,568 82.1

Average

$1,442 $1,426 $1,651

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Connecticut

HO-2 % HO-3 %DW % HO-1 %

42

Insurance

Range

$49,999 and Exposure

1,932.0 100.0

Under Premium

* * 2,025,267 100.0

Average

$1,048

$50,000 to Exposure

159.3 43.8 363.9 100.0

$74,999 Premium

19,413 19.3 * 100,651 100.0

Average

$122 $277

$75,000 to Exposure

13.0 9.3 140.5 100.0

$99,999 Premium

3,026 3.1 * 98,364 100.0

Average

$233 $700

$100,000 to Exposure

97.9 17.0 574.8 100.0

$124,999 Premium

26,668 5.7 * 470,929 100.0

Average

$272 $819

$125,000 to Exposure

86.5 5.0 1,743.7 100.0

$149,999 Premium

72,025 4.6 * 1,581,210 100.0

Average

$833 $907

$150,000 to Exposure

354.5 6.5 5,448.1 100.0

$174,999 Premium

307,358 6.0 * 5,148,363 100.0

Average

$867 $945

$175,000 to Exposure

882.5 6.8 13,045.2 100.0

$199,999 Premium

804,112 6.2 * 12,925,493 100.0

Average

$911 $991

$200,000 to Exposure

13,418.0 8.2 164,337.9 100.0

$299,999 Premium

13,933,076 7.5 * 186,166,199 100.0

Average

$1,038 $1,133

$300,000 to Exposure

18,701.6 9.5 197,787.8 100.0

$399,999 Premium

23,192,509 8.7 * 267,592,552 100.0

Average

$1,240 $1,353

$400,000 to Exposure

14,041.1 10.6 132,232.7 100.0

$499,999 Premium

20,616,442 9.6 * 214,089,730 100.0

Average

$1,468 $1,619

$500,000 and Exposure

32,588.3 17.5 186,292.8 100.0

Over Premium

108,727,044 21.8 * 498,490,421 100.0

Average

$3,336 $2,676

Total Exposure

80,780.7 11.5 703,899.3 100.0

Premium

167,304,267 14.1 * 1,188,689,179 100.0

Average

$2,071 $1,689

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Connecticut

Total %HO-5 % HO-8 %

43

Insurance

Range

$49,999 and Exposure

108.7 18.9

Under Premium

46,635 * 1,660 *

Average

$429 $88

$50,000 to Exposure

46.3 42.7 1.0 0.9 23.7 21.9

$74,999 Premium

33,530 67.7 * 595 1.2 8,869 17.9

Average

$725 $595 $375

$75,000 to Exposure

50.3 25.0 2.0 1.0 125.8 62.6

$99,999 Premium

36,022 35.3 * 803 0.8 56,044 54.9

Average

$717 $402 $445

$100,000 to Exposure

50.0 5.4 12.8 1.4 802.7 86.7

$124,999 Premium

33,442 7.2 * 7,405 1.6 400,246 86.3

Average

$669 $581 $499

$125,000 to Exposure

59.3 2.1 78.5 2.8 2,629.3 93.7

$149,999 Premium

41,012 2.5 * 41,643 2.5 1,536,064 93.6

Average

$691 $530 $584

$150,000 to Exposure

68.1 1.1 243.9 3.8 6,086.3 94.4

$174,999 Premium

49,775 1.2 * 141,918 3.5 3,840,173 94.5

Average

$731 $582 $631

$175,000 to Exposure

70.0 0.6 592.5 5.4 10,162.1 93.5

$199,999 Premium

47,540 0.6 * 355,661 4.8 6,919,992 94.0

Average

$679 $600 $681

$200,000 to Exposure

304.8 0.4 4,855.9 7.0 63,858.1 92.1

$299,999 Premium

182,946 0.3 * 3,299,117 6.1 50,510,390 93.1

Average

$600 $679 $791

$300,000 to Exposure

165.0 0.3 5,046.2 8.2 55,649.4 90.8

$399,999 Premium

92,474 0.2 * 3,970,811 7.0 52,199,009 92.1

Average

$560 $787 $938

$400,000 to Exposure

69.6 0.2 2,907.2 8.3 31,880.7 90.6

$499,999 Premium

46,709 0.1 * 2,704,315 7.0 35,307,369 91.8

Average

$671 $930 $1,107

$500,000 and Exposure

58.8 0.2 2,738.3 7.7 31,133.2 87.7

Over Premium

65,192 0.1 * 3,594,647 6.2 49,729,247 85.6

Average

$1,108 $1,313 $1,597

Total Exposure

1,050.8 0.5 16,497.1 7.4 202,809.9 90.8

Premium

675,277 0.3 * 14,118,575 6.4 200,421,335 90.7

Average

$643 $856 $988

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Delaware

DW % HO-1 % HO-2 % HO-3 %

44

Insurance

Range

$49,999 and Exposure

4.4

Under Premium

* 1,049 *

Average

$238

$50,000 to Exposure

20.0 18.5 17.3 16.0 108.3 100.0

$74,999 Premium

3,769 7.6 2,756 5.6 49,519 100.0

Average

$188 $159 $457

$75,000 to Exposure

3.0 1.5 19.8 9.9 200.9 100.0

$99,999 Premium

1,055 1.0 8,167 8.0 102,091 100.0

Average

$352 $412 $508

$100,000 to Exposure

19.8 2.1 40.7 4.4 925.8 100.0

$124,999 Premium

5,477 1.2 17,147 3.7 463,717 100.0

Average

$277 $422 $501

$125,000 to Exposure

2.3 0.1 36.4 1.3 2,805.8 100.0

$149,999 Premium

1,643 0.1 21,039 1.3 1,641,401 100.0

Average

$730 $578 $585

$150,000 to Exposure

7.8 0.1 38.0 0.6 6,444.1 100.0

$174,999 Premium

5,675 0.1 26,512 0.7 4,064,053 100.0

Average

$732 $698 $631

$175,000 to Exposure

17.1 0.2 31.6 0.3 10,873.3 100.0

$199,999 Premium

12,888 0.2 24,023 0.3 7,360,104 100.0

Average

$754 $761 $677

$200,000 to Exposure

240.3 0.3 75.7 0.1 69,334.7 100.0

$299,999 Premium

210,081 0.4 62,399 0.1 54,264,933 100.0

Average

$874 $825 $783

$300,000 to Exposure

381.2 0.6 17.4 0.0 61,259.2 100.0

$399,999 Premium

386,127 0.7 18,935 0.0 56,667,356 100.0

Average

$1,013 $1,087 $925

$400,000 to Exposure

321.0 0.9 7.3 0.0 35,185.7 100.0

$499,999 Premium

396,676 1.0 8,489 0.0 38,463,558 100.0

Average

$1,236 $1,171 $1,093

$500,000 and Exposure

1,570.2 4.4 4.0 0.0 35,504.4 100.0

Over Premium

4,692,353 8.1 8,418 0.0 58,089,857 100.0

Average

$2,988 $2,105 $1,636

Total Exposure

2,636.2 1.2 292.6 0.1 223,286.5 100.0

Premium

5,540,198 2.5 198,934 0.1 220,954,319 100.0

Average

$2,102 $680 $990

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Delaware

Total %HO-5 % HO-8 %

45

Insurance

Range

$49,999 and Exposure

36.1 54.9 1.0 1.5 0.1 0.1

Under Premium

15,824 76.0 * 1,312 6.3 96 0.5

Average

$439 $1,312 $1,152

$50,000 to Exposure

3.0 46.8 1.1 16.9

$74,999 Premium

* * 2,357 69.5 539 15.9

Average

$786 $498

$75,000 to Exposure

2.0 18.9 6.6 62.2

$99,999 Premium

* * 1,902 23.4 4,984 61.3

Average

$951 $757

$100,000 to Exposure

1.0 1.5 58.3 84.7

$124,999 Premium

217 0.5 * * 40,661 91.4

Average

$217 $697

$125,000 to Exposure

299.2 90.4

$149,999 Premium

* * * 209,111 91.3

Average

$699

$150,000 to Exposure

1.0 0.1 2.0 0.2 894.5 93.3

$174,999 Premium

141 0.0 * 1,357 0.2 655,646 94.2

Average

$141 $679 $733

$175,000 to Exposure

4.0 0.2 1.0 0.1 1.8 0.1 1,797.7 93.3

$199,999 Premium

1,019 0.1 533 0.0 1,940 0.1 1,406,213 94.3

Average

$255 $533 $1,058 $782

$200,000 to Exposure

28.9 0.2 51.9 0.3 15,520.6 95.3

$299,999 Premium

7,484 0.1 * 59,353 0.4 13,336,549 95.7

Average

$259 $1,143 $859

$300,000 to Exposure

66.8 0.4 0.1 0.0 107.1 0.6 15,915.9 94.3

$399,999 Premium

14,800 0.1 98 0.0 138,407 0.8 15,782,039 94.8

Average

$221 $1,176 $1,293 $992

$400,000 to Exposure

49.7 0.4 84.6 0.7 11,792.0 93.3

$499,999 Premium

11,359 0.1 * 126,922 0.9 13,615,989 93.9

Average

$229 $1,501 $1,155

$500,000 and Exposure

205.6 0.7 0.7 0.0 139.3 0.4 27,906.9 88.8

Over Premium

61,917 0.1 2,208 0.0 384,993 0.7 49,315,792 86.7

Average

$301 $3,312 $2,763 $1,767

Total Exposure

393.1 0.5 1.5 0.0 392.8 0.5 74,192.8 92.1

Premium

112,761 0.1 2,417 0.0 718,543 0.7 94,367,619 90.3

Average

$287 $1,611 $1,830 $1,272

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

District of Columbia

HO-2 % HO-3 %DW % HO-1 %

46

Insurance

Range

$49,999 and Exposure

28.6 43.5 65.8 100.0

Under Premium

3,596 17.3 * 20,828 100.0

Average

$126 $317

$50,000 to Exposure

2.3 36.4 6.4 100.0

$74,999 Premium

493 14.5 * 3,389 100.0

Average

$211 $528

$75,000 to Exposure

2.0 18.9 10.6 100.0

$99,999 Premium

1,240 15.3 * 8,126 100.0

Average

$620 $768

$100,000 to Exposure

9.5 13.8 68.8 100.0

$124,999 Premium

3,587 8.1 * 44,465 100.0

Average

$378 $646

$125,000 to Exposure

31.9 9.6 331.1 100.0

$149,999 Premium

20,042 8.7 * 229,153 100.0

Average

$628 $692

$150,000 to Exposure

60.9 6.4 958.4 100.0

$174,999 Premium

38,767 5.6 * 695,911 100.0

Average

$636 $726

$175,000 to Exposure

121.8 6.3 1,926.3 100.0

$199,999 Premium

82,137 5.5 * 1,491,842 100.0

Average

$675 $774

$200,000 to Exposure

678.1 4.2 16,279.4 100.0

$299,999 Premium

530,506 3.8 * 13,933,813 100.0

Average

$782 $856

$300,000 to Exposure

786.3 4.7 16,876.3 100.0

$399,999 Premium

713,998 4.3 * 16,649,342 100.0

Average

$908 $987

$400,000 to Exposure

716.2 5.7 12,642.3 100.0

$499,999 Premium

742,659 5.1 * 14,496,586 100.0

Average

$1,037 $1,147

$500,000 and Exposure

3,166.8 10.1 31,419.3 100.0

Over Premium

7,113,387 12.5 * 56,878,297 100.0

Average

$2,246 $1,810

Total Exposure

5,604.4 7.0 80,584.6 100.0

Premium

9,250,412 8.9 * 104,451,752 100.0

Average

$1,651 $1,296

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

District of Columbia

Total %HO-5 % HO-8 %

47

Insurance

Range

$49,999 and Exposure

18,151.5 70.6 9.0 0.0 7,430.4 28.9

Under Premium

5,405,494 88.9 * 31,455 0.5 636,116 10.5

Average

$298 $3,495 $86

$50,000 to Exposure

26,333.8 90.7 32.2 0.1 2,635.6 9.1

$74,999 Premium

13,045,733 87.1 * 16,224 0.1 1,905,975 12.7

Average

$495 $504 $723

$75,000 to Exposure

3,501.8 38.6 53.3 0.6 5,491.1 60.6

$99,999 Premium

2,117,589 27.8 * 70,347 0.9 5,407,906 71.0

Average

$605 $1,321 $985

$100,000 to Exposure

3,237.5 11.7 54.8 0.2 23,717.7 85.3

$124,999 Premium

2,497,287 7.0 * 76,505 0.2 31,805,323 89.2

Average

$771 $1,395 $1,341

$125,000 to Exposure

5,845.0 7.2 80.1 0.1 71,471.8 87.5

$149,999 Premium

5,724,389 4.6 * 124,811 0.1 109,504,252 88.4

Average

$979 $1,559 $1,532

$150,000 to Exposure

11,398.6 6.5 111.4 0.1 155,801.1 89.3

$174,999 Premium

13,415,805 4.6 * 178,945 0.1 259,748,023 89.8

Average

$1,177 $1,606 $1,667

$175,000 to Exposure

15,587.3 6.2 821.3 0.3 225,460.1 90.2

$199,999 Premium

21,885,095 5.0 * 1,860,201 0.4 395,674,919 90.1

Average

$1,404 $2,265 $1,755

$200,000 to Exposure

63,280.4 5.0 2,499.9 0.2 1,185,978.9 93.0

$299,999 Premium

111,819,903 4.4 * 5,920,732 0.2 2,362,945,630 92.9

Average

$1,767 $2,368 $1,992

$300,000 to Exposure

34,189.8 4.5 1,241.6 0.2 724,842.0 94.5

$399,999 Premium

78,240,237 4.1 * 3,652,636 0.2 1,794,104,846 94.6

Average

$2,288 $2,942 $2,475

$400,000 to Exposure

12,955.3 3.8 467.9 0.1 323,363.5 95.4

$499,999 Premium

40,011,884 3.9 * 1,899,182 0.2 977,050,981 95.1

Average

$3,088 $4,059 $3,022

$500,000 and Exposure

10,572.6 3.2 499.7 0.2 311,087.3 93.9

Over Premium

48,596,174 2.9 * 2,814,283 0.2 1,463,245,375 88.1

Average

$4,596 $5,632 $4,704

Total Exposure

205,053.4 6.2 5,871.2 0.2 3,037,279.5 91.8

Premium

342,759,590 4.3 * 16,645,321 0.2 7,402,029,346 92.0

Average

$1,672 $2,835 $2,437

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Florida

DW % HO-1 % HO-2 % HO-3 %

48

Insurance

Range

$49,999 and Exposure

137.3 0.5 25,728.3 100.0

Under Premium

10,510 0.2 * 6,083,575 100.0

Average

$77 $236

$50,000 to Exposure

16.4 0.1 29,017.9 100.0

$74,999 Premium

3,051 0.0 * 14,970,983 100.0

Average

$186 $516

$75,000 to Exposure

3.3 0.0 12.9 0.1 9,062.3 100.0

$99,999 Premium

689 0.0 15,450 0.2 7,611,981 100.0

Average

$207 $1,196 $840

$100,000 to Exposure

14.0 0.1 765.3 2.8 27,789.3 100.0

$124,999 Premium

12,919 0.0 1,275,040 3.6 35,667,074 100.0

Average

$923 $1,666 $1,283

$125,000 to Exposure

52.0 0.1 4,201.5 5.1 81,650.4 100.0

$149,999 Premium

59,079 0.0 8,477,879 6.8 123,890,410 100.0

Average

$1,136 $2,018 $1,517

$150,000 to Exposure

142.5 0.1 7,050.4 4.0 174,504.0 100.0

$174,999 Premium

193,046 0.1 15,711,440 5.4 289,247,259 100.0

Average

$1,355 $2,228 $1,658

$175,000 to Exposure

325.8 0.1 7,698.4 3.1 249,892.9 100.0

$199,999 Premium

462,551 0.1 19,077,236 4.3 438,960,002 100.0

Average

$1,420 $2,478 $1,757

$200,000 to Exposure

3,055.0 0.2 20,088.3 1.6 1,274,902.6 100.0

$299,999 Premium

4,751,369 0.2 58,545,530 2.3 2,543,983,164 100.0

Average

$1,555 $2,914 $1,995

$300,000 to Exposure

2,845.8 0.4 3,570.6 0.5 766,689.8 100.0

$399,999 Premium

5,870,375 0.3 14,953,311 0.8 1,896,821,405 100.0

Average

$2,063 $4,188 $2,474

$400,000 to Exposure

1,513.9 0.4 780.5 0.2 339,081.1 100.0

$499,999 Premium

4,271,414 0.4 4,297,533 0.4 1,027,530,994 100.0

Average

$2,821 $5,506 $3,030

$500,000 and Exposure

8,762.6 2.6 428.2 0.1 331,350.3 100.0

Over Premium

141,948,149 8.6 3,411,939 0.2 1,660,015,920 100.0

Average

$16,199 $7,969 $5,010

Total Exposure

16,868.7 0.5 44,596.1 1.3 3,309,668.8 100.0

Premium

157,583,152 2.0 125,765,358 1.6 8,044,782,767 100.0

Average

$9,342 $2,820 $2,431

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Florida

Total %HO-5 % HO-8 %

49

Insurance

Range

$49,999 and Exposure

8,831.1 66.8 410.3 3.1 38.6 0.3 306.3 2.3

Under Premium

3,391,619 78.3 110,197 2.5 13,630 0.3 170,820 3.9

Average

$384 $269 $353 $558

$50,000 to Exposure

5,178.8 44.0 789.7 6.7 570.5 4.8 2,871.3 24.4

$74,999 Premium

2,637,019 46.7 234,444 4.1 199,618 3.5 1,271,065 22.5

Average

$509 $297 $350 $443

$75,000 to Exposure

3,501.6 19.9 1,670.3 9.5 2,291.5 13.0 8,493.8 48.4

$99,999 Premium

2,077,631 18.8 558,451 5.1 1,075,309 9.8 5,861,029 53.2

Average

$593 $334 $469 $690

$100,000 to Exposure

2,610.2 6.0 1,787.1 4.1 4,975.0 11.3 32,196.6 73.4

$124,999 Premium

1,864,847 5.4 707,077 2.1 3,206,865 9.3 26,453,465 76.8

Average

$714 $396 $645 $822

$125,000 to Exposure

1,598.3 1.7 1,578.7 1.7 8,727.6 9.4 76,050.3 81.8

$149,999 Premium

1,213,497 1.4 704,074 0.8 6,681,306 7.7 72,612,265 83.8

Average

$759 $446 $766 $955

$150,000 to Exposure

1,629.5 1.1 1,568.8 1.0 16,788.0 10.9 123,580.5 80.4

$174,999 Premium

1,458,451 0.9 765,103 0.5 13,858,911 8.8 129,681,999 82.6

Average

$895 $488 $826 $1,049

$175,000 to Exposure

1,237.4 0.6 1,024.7 0.5 23,150.6 11.6 158,131.1 79.5

$199,999 Premium

1,124,379 0.5 519,461 0.2 20,619,326 9.4 178,709,215 81.7

Average

$909 $507 $891 $1,130

$200,000 to Exposure

3,668.3 0.5 2,185.4 0.3 98,805.8 12.3 625,053.0 77.7

$299,999 Premium

3,259,470 0.3 1,257,777 0.1 104,469,719 10.4 802,111,957 79.7

Average

$889 $576 $1,057 $1,283

$300,000 to Exposure

1,505.4 0.3 552.3 0.1 50,981.6 10.8 373,078.9 78.7

$399,999 Premium

1,393,851 0.2 360,785 0.1 66,014,285 9.5 554,178,752 80.0

Average

$926 $653 $1,295 $1,485

$400,000 to Exposure

551.1 0.2 190.2 0.1 23,947.5 10.0 189,881.3 79.0

$499,999 Premium

594,838 0.1 143,899 0.0 36,330,334 8.7 334,161,223 80.4

Average

$1,079 $757 $1,517 $1,760

$500,000 and Exposure

466.9 0.2 63.7 0.0 29,904.8 9.8 234,457.7 76.5

Over Premium

631,614 0.1 55,974 0.0 62,621,088 8.4 569,257,601 75.9

Average

$1,353 $879 $2,094 $2,428

Total Exposure

30,778.5 1.3 11,821.1 0.5 260,181.4 11.0 1,824,100.8 77.4

Premium

19,647,216 0.6 5,417,242 0.2 315,090,391 9.3 2,674,469,391 79.1

Average

$638 $458 $1,211 $1,466

HO-2% HO-3 %DW % HO-1

Table 4

%

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

2021 Average Premium by Amount of Insurance

Georgia

50

Insurance

Range

$49,999 and Exposure

2,483.4 18.8 1,144.5 8.7 13,214.3 100.0

Under Premium

241,814 5.6 405,187 9.4 4,333,267 100.0

Average

$97 $354 $328

$50,000 to Exposure

883.8 7.5 1,488.8 12.6 11,782.8 100.0

$74,999 Premium

130,142 2.3 1,180,066 20.9 5,652,354 100.0

Average

$147 $793 $480

$75,000 to Exposure

92.4 0.5 1,511.6 8.6 17,561.2 100.0

$99,999 Premium

64,592 0.6 1,388,586 12.6 11,025,598 100.0

Average

$699 $919 $628

$100,000 to Exposure

1,090.0 2.5 1,179.4 2.7 43,838.3 100.0

$124,999 Premium

950,959 2.8 1,258,563 3.7 34,441,776 100.0

Average

$872 $1,067 $786

$125,000 to Exposure

4,269.7 4.6 782.0 0.8 93,006.6 100.0

$149,999 Premium

4,535,590 5.2 906,140 1.0 86,652,872 100.0

Average

$1,062 $1,159 $932

$150,000 to Exposure

9,672.4 6.3 558.3 0.4 153,797.6 100.0

$174,999 Premium

10,568,411 6.7 732,662 0.5 157,065,537 100.0

Average

$1,093 $1,312 $1,021

$175,000 to Exposure

14,949.8 7.5 318.1 0.2 198,811.7 100.0

$199,999 Premium

17,282,540 7.9 460,505 0.2 218,715,426 100.0

Average

$1,156 $1,448 $1,100

$200,000 to Exposure

74,026.3 9.2 640.6 0.1 804,379.4 100.0

$299,999 Premium

93,987,496 9.3 1,037,857 0.1 1,006,124,276 100.0

Average

$1,270 $1,620 $1,251

$300,000 to Exposure

47,862.2 10.1 184.3 0.0 474,164.7 100.0

$399,999 Premium

70,523,377 10.2 347,819 0.1 692,818,869 100.0

Average

$1,473 $1,888 $1,461

$400,000 to Exposure

25,837.2 10.7 63.1 0.0 240,470.3 100.0

$499,999 Premium

44,052,095 10.6 156,396 0.0 415,438,785 100.0

Average

$1,705 $2,479 $1,728

$500,000 and Exposure

41,556.7 13.6 44.3 0.0 306,493.9 100.0

Over Premium

116,952,453 15.6 128,734 0.0 749,647,464 100.0

Average

$2,814 $2,909 $2,446

Total Exposure

222,723.8 9.4 7,914.9 0.3 2,357,520.5 100.0

Premium

359,289,469 10.6 8,002,515 0.2 3,381,916,224 100.0

Average

$1,613 $1,011 $1,435

Table 4

HO-5 % HO-8

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Georgia

% Total %

51

Insurance

Range

$49,999 and Exposure

12.0 36.5 4.4 13.5

Under Premium

327 10.5 * * 814 26.0

Average

$27 $184

$50,000 to Exposure

17.9 44.2 12.0 29.6 10.6 26.1

$74,999 Premium

4,849 34.5 * 5,714 40.7 3,484 24.8

Average

$271 $476 $329

$75,000 to Exposure

20.8 20.3 28.0 27.3 51.9 50.6

$99,999 Premium

5,463 10.5 * 27,088 52.2 17,171 33.1

Average

$262 $967 $331

$100,000 to Exposure

41.9 8.2 74.0 14.5 393.5 77.2

$124,999 Premium

9,809 4.2 * 78,762 33.4 147,436 62.5

Average

$234 $1,064 $375

$125,000 to Exposure

79.1 7.5 62.0 5.9 899.3 85.8

$149,999 Premium

14,436 3.0 * 72,396 15.1 386,036 80.7

Average

$183 $1,168 $429

$150,000 to Exposure

107.9 5.5 133.0 6.8 1,692.0 87.0

$174,999 Premium

28,470 2.8 * 152,341 15.1 820,425 81.2

Average

$264 $1,145 $485

$175,000 to Exposure

114.1 3.6 129.0 4.1 2,882.0 91.7

$199,999 Premium

33,798 1.9 * 162,938 9.0 1,598,076 88.4

Average

$296 $1,263 $555

$200,000 to Exposure

712.1 2.1 506.0 1.5 31,983.0 96.1

$299,999 Premium

265,263 1.1 * 849,344 3.4 23,937,576 95.3

Average

$373 $1,679 $748

$300,000 to Exposure

592.4 1.1 329.3 0.6 51,201.9 98.0

$399,999 Premium

290,323 0.6 * 715,741 1.4 49,554,602 97.8

Average

$490 $2,174 $968

$400,000 to Exposure

348.8 0.8 27.9 0.1 43,293.5 98.9

$499,999 Premium

198,497 0.4 * 29,605 0.1 51,695,673 99.4

Average

$569 $1,060 $1,194

$500,000 and Exposure

586.5 0.7 44.8 0.1 87,626.7 97.9

Over Premium

555,554 0.3 * 103,019 0.1 157,573,562 93.5

Average

$947 $2,298 $1,798

Total Exposure

2,633.6 1.2 1,346.0 0.6 220,038.8 97.5

Premium

1,406,789 0.5 * 2,196,948 0.7 285,734,855 95.3

Average

$534 $1,632 $1,299

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Hawaii

DW % HO-1 %

2021 Average Premium by Amount of Insurance

Table 4

HO-3 %HO-2 %

52

Insurance

Range

$49,999 and Exposure

16.4 50.0 32.8 100.0

Under Premium

1,987 63.5 * 3,128 100.0

Average

$121 $95

$50,000 to Exposure

40.5 100.0

$74,999 Premium

* * 14,047 100.0

Average

$347

$75,000 to Exposure

1.9 1.9 102.7 100.0

$99,999 Premium

2,149 4.1 * 51,871 100.0

Average

$1,121 $505

$100,000 to Exposure

509.4 100.0

$124,999 Premium

* * 236,007 100.0

Average

$463

$125,000 to Exposure

1.0 0.1 7.0 0.7 1,048.3 100.0

$149,999 Premium

704 0.1 5,034 1.1 478,606 100.0

Average

$704 $719 $457

$150,000 to Exposure

1.1 0.1 11.0 0.6 1,945.0 100.0

$174,999 Premium

848 0.1 8,005 0.8 1,010,089 100.0

Average

$783 $728 $519

$175,000 to Exposure

1.9 0.1 15.0 0.5 3,142.0 100.0

$199,999 Premium

731 0.0 12,023 0.7 1,807,566 100.0

Average

$381 $802 $575

$200,000 to Exposure

26.5 0.1 52.7 0.2 33,280.3 100.0

$299,999 Premium

14,666 0.1 56,087 0.2 25,122,936 100.0

Average

$553 $1,065 $755

$300,000 to Exposure

85.3 0.2 42.0 0.1 52,250.8 100.0

$399,999 Premium

65,054 0.1 63,475 0.1 50,689,195 100.0

Average

$763 $1,511 $970

$400,000 to Exposure

102.6 0.2 8.2 0.0 43,781.0 100.0

$499,999 Premium

87,841 0.2 13,936 0.0 52,025,552 100.0

Average

$856 $1,706 $1,188

$500,000 and Exposure

1,198.2 1.3 9.0 0.0 89,465.2 100.0

Over Premium

10,200,763 6.1 19,216 0.0 168,452,114 100.0

Average

$8,514 $2,135 $1,883

Total Exposure

1,434.8 0.6 144.8 0.1 225,598.0 100.0

Premium

10,374,743 3.5 177,776 0.1 299,891,111 100.0

Average

$7,231 $1,227 $1,329

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Hawaii

2021 Average Premium by Amount of Insurance

Total %HO-5 % HO-8

Table 4

%

53

Insurance

Range

$49,999 and Exposure

72.9 18.0 1.2 0.3 20.1 5.0

Under Premium

49,546 50.8 * 1,037 1.1 27,916 28.6

Average

$679 $889 $1,390

$50,000 to Exposure

85.8 29.5 16.0 5.5 7.7 2.6 113.3 39.0

$74,999 Premium

50,311 39.5 4,252 3.3 3,055 2.4 48,514 38.1

Average

$586 $266 $398 $428

$75,000 to Exposure

94.2 9.6 31.0 3.2 34.4 3.5 710.4 72.8

$99,999 Premium

44,675 9.0 9,288 1.9 15,226 3.1 374,490 75.5

Average

$474 $300 $442 $527

$100,000 to Exposure

147.5 4.0 107.3 2.9 232.6 6.4 2,842.3 77.8

$124,999 Premium

78,628 3.8 25,548 1.2 117,600 5.7 1,666,815 80.4

Average

$533 $238 $506 $586

$125,000 to Exposure

123.0 1.2 116.8 1.2 860.3 8.7 7,909.1 80.1

$149,999 Premium

67,958 1.1 31,783 0.5 483,930 8.0 4,930,685 81.9

Average

$553 $272 $563 $623

$150,000 to Exposure

125.2 0.6 178.3 0.9 2,019.3 10.2 15,074.7 76.3

$174,999 Premium

71,212 0.6 51,210 0.4 1,230,412 9.7 9,901,867 78.0

Average

$569 $287 $609 $657

$175,000 to Exposure

112.2 0.4 229.4 0.8 3,297.9 11.3 21,538.2 73.9

$199,999 Premium

75,273 0.4 71,976 0.4 2,085,861 10.6 14,780,783 75.4

Average

$671 $314 $632 $686

$200,000 to Exposure

453.1 0.3 806.7 0.5 16,036.8 10.9 104,282.5 70.9

$299,999 Premium

317,654 0.3 274,951 0.3 11,114,914 10.3 77,359,739 71.4

Average

$701 $341 $693 $742

$300,000 to Exposure

250.4 0.2 533.6 0.5 9,418.6 9.3 71,425.6 70.5

$399,999 Premium

255,167 0.3 228,000 0.3 7,698,145 8.9 60,628,221 69.8

Average

$1,019 $427 $817 $849

$400,000 to Exposure

117.5 0.2 316.4 0.6 3,968.8 8.0 35,090.7 70.7

$499,999 Premium

123,243 0.2 149,427 0.3 3,812,833 7.5 35,290,195 69.7

Average

$1,049 $472 $961 $1,006

$500,000 and Exposure

138.3 0.2 153.2 0.3 3,452.0 6.1 38,846.5 69.1

Over Premium

123,405 0.1 78,293 0.1 4,936,844 5.3 58,371,250 62.1

Average

$892 $511 $1,430 $1,503

Total Exposure

1,720.1 0.4 2,488.8 0.6 39,329.6 9.4 297,853.3 71.2

Premium

1,257,072 0.3 924,846 0.2 31,499,857 8.3 263,380,475 69.1

Average

$731 $372 $801 $884

Table 4

% HO-1 % HO-2 % HO-3 %

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Idaho

DW

54

Insurance

Range

$49,999 and Exposure

72.3 17.8 238.5 58.9 404.9 100.0

Under Premium

6,968 7.1 12,025 12.3 97,610 100.0

Average

$96 $50 $241

$50,000 to Exposure

25.6 8.8 42.1 14.5 290.5 100.0

$74,999 Premium

6,515 5.1 14,782 11.6 127,429 100.0

Average

$255 $351 $439

$75,000 to Exposure

49.0 5.0 56.8 5.8 975.8 100.0

$99,999 Premium

23,306 4.7 28,873 5.8 495,858 100.0

Average

$476 $508 $508

$100,000 to Exposure

280.3 7.7 42.7 1.2 3,652.7 100.0

$124,999 Premium

149,937 7.2 33,997 1.6 2,072,525 100.0

Average

$535 $797 $567

$125,000 to Exposure

842.6 8.5 24.2 0.2 9,875.9 100.0

$149,999 Premium

484,373 8.0 22,996 0.4 6,021,725 100.0

Average

$575 $952 $610

$150,000 to Exposure

2,331.8 11.8 22.9 0.1 19,752.2 100.0

$174,999 Premium

1,418,556 11.2 19,291 0.2 12,692,548 100.0

Average

$608 $842 $643

$175,000 to Exposure

3,974.4 13.6 10.3 0.0 29,162.4 100.0

$199,999 Premium

2,591,219 13.2 9,941 0.1 19,615,053 100.0

Average

$652 $962 $673

$200,000 to Exposure

25,447.9 17.3 13.3 0.0 147,040.3 100.0

$299,999 Premium

19,198,918 17.7 20,595 0.0 108,286,771 100.0

Average

$754 $1,545 $736

$300,000 to Exposure

19,703.6 19.4 4.3 0.0 101,336.0 100.0

$399,999 Premium

18,078,693 20.8 6,662 0.0 86,894,888 100.0

Average

$918 $1,568 $857

$400,000 to Exposure

10,151.2 20.4 49,644.6 100.0

$499,999 Premium

11,252,682 22.2 * 50,628,380 100.0

Average

$1,109 $1,020

$500,000 and Exposure

13,605.8 24.2 1.0 0.0 56,196.8 100.0

Over Premium

30,455,106 32.4 377 0.0 93,965,275 100.0

Average

$2,238 $377 $1,672

Total Exposure

76,484.3 18.3 456.1 0.1 418,332.1 100.0

Premium

83,666,273 22.0 169,539 0.0 380,898,062 100.0

Average

$1,094 $372 $911

Table 4

HO-8 %

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Idaho

Total %HO-5 %

55

Insurance

Range

$49,999 and Exposure

2,436.8 26.8 48.9 0.5 889.7 9.8 2,858.3 31.5

Under Premium

1,002,519 31.8 14,626 0.5 333,709 10.6 969,609 30.8

Average

$411 $299 $375 $339

$50,000 to Exposure

2,002.9 23.8 78.6 0.9 1,002.5 11.9 3,056.0 36.3

$74,999 Premium

1,137,505 23.0 23,514 0.5 537,905 10.9 1,970,283 39.8

Average

$568 $299 $537 $645

$75,000 to Exposure

1,472.4 15.4 113.9 1.2 1,075.1 11.3 5,115.9 53.6

$99,999 Premium

993,580 14.8 40,635 0.6 688,433 10.2 3,718,238 55.3

Average

$675 $357 $640 $727

$100,000 to Exposure

1,343.3 6.6 115.9 0.6 1,887.6 9.3 14,536.3 71.4

$124,999 Premium

1,134,805 7.4 47,411 0.3 1,340,962 8.7 11,007,806 71.6

Average

$845 $409 $710 $757

$125,000 to Exposure

714.9 1.6 106.0 0.2 3,166.5 6.9 37,574.3 81.6

$149,999 Premium

666,317 1.8 45,166 0.1 2,272,124 6.1 30,169,575 81.7

Average

$932 $426 $718 $803

$150,000 to Exposure

802.0 0.9 128.5 0.1 6,962.0 7.6 74,580.8 81.6

$174,999 Premium

845,090 1.1 61,855 0.1 5,441,821 7.0 62,845,377 81.3

Average

$1,054 $481 $782 $843

$175,000 to Exposure

547.1 0.4 132.9 0.1 11,137.3 8.5 106,199.5 80.9

$199,999 Premium

620,147 0.5 60,222 0.1 9,017,498 7.7 95,039,894 80.9

Average

$1,134 $453 $810 $895

$200,000 to Exposure

1,831.3 0.2 337.3 0.0 89,378.2 11.8 580,238.5 76.6

$299,999 Premium

2,369,542 0.3 171,483 0.0 81,592,974 10.8 577,783,740 76.5

Average

$1,294 $508 $913 $996

$300,000 to Exposure

966.3 0.1 132.8 0.0 86,126.3 13.1 497,429.3 75.4

$399,999 Premium

1,412,983 0.2 79,021 0.0 92,178,303 12.2 564,363,707 74.9

Average

$1,462 $595 $1,070 $1,135

$400,000 to Exposure

452.4 0.1 46.8 0.0 47,532.3 12.4 291,580.9 76.0

$499,999 Premium

752,362 0.1 33,277 0.0 59,994,882 11.7 386,204,848 75.4

Average

$1,663 $712 $1,262 $1,325

$500,000 and Exposure

635.9 0.1 25.8 0.0 54,967.6 11.3 359,794.4 73.7

Over Premium

1,223,370 0.1 20,670 0.0 96,242,515 10.2 679,389,851 72.0

Average

$1,924 $803 $1,751 $1,888

Total Exposure

13,205.3 0.5 1,267.3 0.0 304,125.0 11.7 1,972,964.3 75.7

Premium

12,158,220 0.4 597,880 0.0 349,641,126 10.8 2,413,462,928 74.8

Average

$921 $472 $1,150 $1,223

DW % HO-1 % HO-2 % HO-3 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Illinois

2021 Average Premium by Amount of Insurance

Table 4

56

Insurance

Range

$49,999 and Exposure

1,953.0 21.5 892.8 9.8 9,079.5 100.0

Under Premium

399,734 12.7 428,544 13.6 3,148,741 100.0

Average

$205 $480 $347

$50,000 to Exposure

841.7 10.0 1,436.4 17.1 8,418.1 100.0

$74,999 Premium

373,495 7.5 907,663 18.3 4,950,365 100.0

Average

$444 $632 $588

$75,000 to Exposure

667.0 7.0 1,103.4 11.6 9,547.8 100.0

$99,999 Premium

474,116 7.1 805,711 12.0 6,720,713 100.0

Average

$711 $730 $704

$100,000 to Exposure

1,603.9 7.9 863.6 4.2 20,350.6 100.0

$124,999 Premium

1,195,283 7.8 643,653 4.2 15,369,920 100.0

Average

$745 $745 $755

$125,000 to Exposure

4,031.2 8.8 427.8 0.9 46,020.8 100.0

$149,999 Premium

3,418,440 9.3 377,195 1.0 36,948,817 100.0

Average

$848 $882 $803

$150,000 to Exposure

8,578.3 9.4 365.8 0.4 91,417.3 100.0

$174,999 Premium

7,810,546 10.1 334,205 0.4 77,338,894 100.0

Average

$911 $914 $846

$175,000 to Exposure

13,001.1 9.9 178.6 0.1 131,196.5 100.0

$199,999 Premium

12,559,565 10.7 190,279 0.2 117,487,605 100.0

Average

$966 $1,065 $896

$200,000 to Exposure

85,718.0 11.3 343.5 0.0 757,846.8 100.0

$299,999 Premium

93,243,784 12.3 400,368 0.1 755,561,891 100.0

Average

$1,088 $1,166 $997

$300,000 to Exposure

74,927.5 11.4 152.7 0.0 659,734.7 100.0

$399,999 Premium

95,662,019 12.7 211,322 0.0 753,907,355 100.0

Average

$1,277 $1,384 $1,143

$400,000 to Exposure

44,156.9 11.5 54.7 0.0 383,824.0 100.0

$499,999 Premium

64,872,833 12.7 71,429 0.0 511,929,631 100.0

Average

$1,469 $1,307 $1,334

$500,000 and Exposure

72,920.8 14.9 81.6 0.0 488,426.0 100.0

Over Premium

166,994,154 17.7 106,834 0.0 943,977,394 100.0

Average

$2,290 $1,310 $1,933

Total Exposure

308,399.3 11.8 5,900.8 0.2 2,605,861.9 100.0

Premium

447,003,969 13.9 4,477,203 0.1 3,227,341,326 100.0

Average

$1,449 $759 $1,238

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Illinois

2021 Average Premium by Amount of Insurance

Table 4

57

Insurance

Range

$49,999 and Exposure

1,203.8 17.5 66.1 1.0 554.1 8.0 2,644.0 38.4

Under Premium

457,140 21.1 26,877 1.2 273,020 12.6 847,366 39.1

Average

$380 $407 $493 $320

$50,000 to Exposure

1,357.3 13.1 213.8 2.1 747.8 7.2 6,326.4 61.0

$74,999 Premium

749,279 13.0 57,608 1.0 516,109 8.9 3,450,626 59.7

Average

$552 $269 $690 $545

$75,000 to Exposure

1,064.7 6.3 253.0 1.5 1,044.4 6.2 12,308.9 73.4

$99,999 Premium

731,006 6.5 70,724 0.6 842,952 7.5 8,027,222 71.2

Average

$687 $280 $807 $652

$100,000 to Exposure

815.8 1.9 272.0 0.6 2,431.9 5.5 35,465.3 80.6

$124,999 Premium

662,490 2.1 81,650 0.3 1,965,389 6.1 25,587,197 79.6

Average

$812 $300 $808 $721

$125,000 to Exposure

500.8 0.6 204.6 0.2 5,325.0 5.9 73,553.8 81.3

$149,999 Premium

423,403 0.6 75,341 0.1 4,331,605 6.1 57,724,331 80.9

Average

$846 $368 $813 $785

$150,000 to Exposure

443.0 0.3 143.4 0.1 9,702.9 7.2 106,862.6 79.3

$174,999 Premium

449,251 0.4 58,130 0.1 8,360,049 7.4 89,294,933 78.7

Average

$1,014 $405 $862 $836

$175,000 to Exposure

332.4 0.2 53.4 0.0 13,010.1 8.0 126,823.9 78.1

$199,999 Premium

365,667 0.3 24,858 0.0 11,696,574 8.1 112,494,456 77.5

Average

$1,100 $465 $899 $887

$200,000 to Exposure

718.1 0.1 73.8 0.0 52,464.4 8.8 458,021.1 76.4

$299,999 Premium

914,855 0.2 51,458 0.0 54,454,384 9.0 454,204,677 75.2

Average

$1,274 $698 $1,038 $992

$300,000 to Exposure

229.8 0.1 16.0 0.0 24,755.9 8.2 228,309.5 76.1

$399,999 Premium

335,071 0.1 14,977 0.0 30,735,015 8.7 262,587,883 74.2

Average

$1,458 $936 $1,242 $1,150

$400,000 to Exposure

87.1 0.1 2.9 0.0 8,908.3 7.3 92,729.3 76.2

$499,999 Premium

125,330 0.1 2,822 0.0 12,672,239 7.6 124,577,321 74.4

Average

$1,439 $968 $1,423 $1,343

$500,000 and Exposure

73.3 0.1 2.3 0.0 8,781.3 7.1 89,422.8 71.9

Over Premium

171,785 0.1 4,240 0.0 15,661,326 6.4 165,407,543 67.8

Average

$2,345 $1,884 $1,783 $1,850

Total Exposure

6,825.9 0.4 1,301.3 0.1 127,726.2 7.9 1,232,467.6 76.5

Premium

5,385,277 0.3 468,685 0.0 141,508,662 8.1 1,304,203,555 74.5

Average

$789 $360 $1,108 $1,058

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

DW % HO-1 % HO-2 % HO-3 %

Indiana

58

Insurance

Range

$49,999 and Exposure

1,742.7 25.3 673.1 9.8 6,883.7 100.0

Under Premium

325,952 15.1 235,212 10.9 2,165,567 100.0

Average

$187 $349 $315

$50,000 to Exposure

885.3 8.5 846.5 8.2 10,377.3 100.0

$74,999 Premium

382,925 6.6 623,786 10.8 5,780,333 100.0

Average

$433 $737 $557

$75,000 to Exposure

1,278.8 7.6 830.1 4.9 16,779.9 100.0

$99,999 Premium

894,186 7.9 705,969 6.3 11,272,059 100.0

Average

$699 $850 $672

$100,000 to Exposure

4,369.4 9.9 665.9 1.5 44,020.3 100.0

$124,999 Premium

3,205,022 10.0 623,828 1.9 32,125,576 100.0

Average

$734 $937 $730

$125,000 to Exposure

10,456.3 11.6 378.2 0.4 90,418.5 100.0

$149,999 Premium

8,390,310 11.8 380,597 0.5 71,325,587 100.0

Average

$802 $1,006 $789

$150,000 to Exposure

17,294.4 12.8 274.3 0.2 134,720.6 100.0

$174,999 Premium

14,917,078 13.2 313,156 0.3 113,392,597 100.0

Average

$863 $1,142 $842

$175,000 to Exposure

22,041.3 13.6 159.7 0.1 162,420.8 100.0

$199,999 Premium

20,352,609 14.0 192,534 0.1 145,126,698 100.0

Average

$923 $1,206 $894

$200,000 to Exposure

87,617.8 14.6 382.9 0.1 599,278.0 100.0

$299,999 Premium

93,555,204 15.5 444,461 0.1 603,625,039 100.0

Average

$1,068 $1,161 $1,007

$300,000 to Exposure

46,574.1 15.5 270.7 0.1 300,155.9 100.0

$399,999 Premium

60,171,032 17.0 212,166 0.1 354,056,144 100.0

Average

$1,292 $784 $1,180

$400,000 to Exposure

19,744.5 16.2 193.8 0.2 121,665.9 100.0

$499,999 Premium

29,906,699 17.9 146,498 0.1 167,430,909 100.0

Average

$1,515 $756 $1,376

$500,000 and Exposure

25,621.5 20.6 431.8 0.3 124,333.0 100.0

Over Premium

62,536,355 25.6 283,621 0.1 244,064,870 100.0

Average

$2,441 $657 $1,963

Total Exposure

237,626.1 14.7 5,106.9 0.3 1,611,053.9 100.0

Premium

294,637,372 16.8 4,161,828 0.2 1,750,365,379 100.0

Average

$1,240 $815 $1,086

Table 4

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Indiana

2021 Average Premium by Amount of Insurance

59

Insurance

Range

$49,999 and Exposure

1,303.2 18.0 115.9 1.6 827.4 11.4 4,348.8 60.1

Under Premium

458,292 18.0 17,674 0.7 376,204 14.8 1,507,690 59.1

Average

$352 $152 $455 $347

$50,000 to Exposure

1,260.5 21.9 336.3 5.8 982.6 17.1 2,575.7 44.7

$74,999 Premium

584,429 18.4 86,515 2.7 435,911 13.7 1,677,991 52.8

Average

$464 $257 $444 $651

$75,000 to Exposure

868.2 12.0 353.2 4.9 886.3 12.2 4,649.2 64.2

$99,999 Premium

515,129 10.6 113,543 2.3 505,535 10.4 3,337,383 68.5

Average

$593 $321 $570 $718

$100,000 to Exposure

687.2 4.3 357.8 2.3 1,308.3 8.3 12,668.2 80.1

$124,999 Premium

476,969 3.9 132,784 1.1 893,179 7.4 9,910,529 82.0

Average

$694 $371 $683 $782

$125,000 to Exposure

408.5 1.1 194.4 0.5 2,001.7 5.4 32,135.0 86.9

$149,999 Premium

326,854 1.1 85,812 0.3 1,567,382 5.3 25,511,667 86.2

Average

$800 $441 $783 $794

$150,000 to Exposure

456.9 0.8 250.1 0.4 3,276.0 5.4 52,187.3 86.2

$174,999 Premium

414,092 0.8 120,003 0.2 2,736,577 5.2 45,061,012 85.7

Average

$906 $480 $835 $863

$175,000 to Exposure

296.2 0.4 169.1 0.2 3,638.8 5.1 61,428.8 85.4

$199,999 Premium

268,988 0.4 94,750 0.1 3,344,404 5.0 56,335,163 84.6

Average

$908 $560 $919 $917

$200,000 to Exposure

552.3 0.2 182.8 0.1 12,045.0 4.8 211,921.2 84.4

$299,999 Premium

663,809 0.3 121,579 0.0 12,556,552 4.9 211,297,891 83.0

Average

$1,202 $665 $1,042 $997

$300,000 to Exposure

172.9 0.1 39.3 0.0 5,070.9 3.9 109,948.8 83.7

$399,999 Premium

235,985 0.2 25,411 0.0 6,017,969 4.0 122,856,935 81.6

Average

$1,365 $647 $1,187 $1,117

$400,000 to Exposure

56.9 0.1 3.0 0.0 1,653.4 3.0 45,764.8 84.1

$499,999 Premium

97,946 0.1 1,674 0.0 2,209,031 3.1 58,238,373 81.9

Average

$1,721 $558 $1,336 $1,273

$500,000 and Exposure

23.5 0.1 1,117.2 2.5 37,122.7 82.2

Over Premium

75,250 0.1 * 2,064,969 2.5 63,766,130 78.4

Average

$3,202 $1,848 $1,718

Total Exposure

6,086.2 0.9 2,001.8 0.3 32,807.7 4.8 574,750.2 83.6

Premium

4,117,743 0.6 799,745 0.1 32,707,713 4.5 599,500,764 82.2

Average

$677 $400 $997 $1,043

HO-1

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

2021 Average Premium by Amount of Insurance

Table 4

% HO-3 %HO-2 %

Iowa

DW %

60

Insurance

Range

$49,999 and Exposure

248.3 3.4 397.0 5.5 7,240.5 100.0

Under Premium

46,311 1.8 142,919 5.6 2,549,090 100.0

Average

$187 $360 $352

$50,000 to Exposure

76.6 1.3 524.3 9.1 5,755.8 100.0

$74,999 Premium

34,777 1.1 359,311 11.3 3,178,934 100.0

Average

$454 $685 $552

$75,000 to Exposure

66.3 0.9 420.4 5.8 7,243.5 100.0

$99,999 Premium

47,825 1.0 349,770 7.2 4,869,185 100.0

Average

$722 $832 $672

$100,000 to Exposure

463.5 2.9 331.2 2.1 15,816.1 100.0

$124,999 Premium

377,199 3.1 298,897 2.5 12,089,557 100.0

Average

$814 $903 $764

$125,000 to Exposure

2,057.7 5.6 192.1 0.5 36,989.3 100.0

$149,999 Premium

1,904,718 6.4 184,020 0.6 29,580,453 100.0

Average

$926 $958 $800

$150,000 to Exposure

4,227.6 7.0 147.6 0.2 60,545.5 100.0

$174,999 Premium

4,094,295 7.8 163,303 0.3 52,589,282 100.0

Average

$968 $1,107 $869

$175,000 to Exposure

6,299.3 8.8 64.6 0.1 71,896.8 100.0

$199,999 Premium

6,456,643 9.7 73,342 0.1 66,573,290 100.0

Average

$1,025 $1,136 $926

$200,000 to Exposure

26,181.3 10.4 77.8 0.0 250,960.3 100.0

$299,999 Premium

29,943,800 11.8 107,561 0.0 254,691,192 100.0

Average

$1,144 $1,383 $1,015

$300,000 to Exposure

16,168.8 12.3 19.7 0.0 131,420.3 100.0

$399,999 Premium

21,361,245 14.2 36,203 0.0 150,533,748 100.0

Average

$1,321 $1,841 $1,145

$400,000 to Exposure

6,916.8 12.7 6.0 0.0 54,400.9 100.0

$499,999 Premium

10,522,460 14.8 12,214 0.0 71,081,698 100.0

Average

$1,521 $2,036 $1,307

$500,000 and Exposure

6,877.1 15.2 2.6 0.0 45,143.0 100.0

Over Premium

15,386,387 18.9 8,857 0.0 81,301,593 100.0

Average

$2,237 $3,429 $1,801

Total Exposure

69,583.1 10.1 2,183.1 0.3 687,411.9 100.0

Premium

90,175,660 12.4 1,736,397 0.2 729,038,022 100.0

Average

$1,296 $795 $1,061

HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Iowa

Total %HO-5 %

2021 Average Premium by Amount of Insurance

Table 4

61

Insurance

Range

$49,999 and Exposure

6,170.3 56.0 135.6 1.2 1,376.7 12.5 2,434.0 22.1

Under Premium

1,880,100 36.5 67,802 1.3 966,567 18.7 1,851,886 35.9

Average

$305 $500 $702 $761

$50,000 to Exposure

4,596.4 42.1 199.8 1.8 1,569.2 14.4 3,387.3 31.0

$74,999 Premium

2,302,867 27.4 135,299 1.6 1,385,153 16.5 3,488,949 41.5

Average

$501 $677 $883 $1,030

$75,000 to Exposure

2,580.4 18.9 161.3 1.2 2,413.3 17.7 7,274.3 53.4

$99,999 Premium

1,591,043 11.5 141,209 1.0 2,529,314 18.3 8,121,263 58.8

Average

$617 $875 $1,048 $1,116

$100,000 to Exposure

1,513.1 5.7 111.3 0.4 3,797.5 14.2 19,467.4 73.0

$124,999 Premium

1,083,212 3.6 121,760 0.4 4,524,553 15.0 21,820,644 72.5

Average

$716 $1,094 $1,191 $1,121

$125,000 to Exposure

897.1 2.1 54.7 0.1 4,350.2 10.0 34,326.8 79.2

$149,999 Premium

706,199 1.3 67,230 0.1 5,936,281 11.2 40,465,355 76.5

Average

$787 $1,230 $1,365 $1,179

$150,000 to Exposure

635.7 1.1 43.2 0.1 4,939.2 8.6 45,426.8 79.4

$174,999 Premium

558,944 0.7 64,299 0.1 7,365,090 9.8 57,133,879 75.9

Average

$879 $1,490 $1,491 $1,258

$175,000 to Exposure

415.3 0.6 27.0 0.0 5,216.6 7.8 52,563.7 78.9

$199,999 Premium

350,409 0.4 35,464 0.0 8,362,860 9.1 68,696,150 74.7

Average

$844 $1,313 $1,603 $1,307

$200,000 to Exposure

704.8 0.3 21.3 0.0 16,695.0 6.9 188,982.6 78.1

$299,999 Premium

672,095 0.2 35,093 0.0 30,600,621 8.3 267,036,132 72.5

Average

$954 $1,651 $1,833 $1,413

$300,000 to Exposure

267.6 0.2 3.0 0.0 6,720.8 5.0 106,715.2 79.1

$399,999 Premium

239,514 0.1 6,671 0.0 13,532,242 6.0 164,928,891 73.2

Average

$895 $2,224 $2,013 $1,546

$400,000 to Exposure

73.9 0.1 1.0 0.0 2,623.3 4.3 48,798.8 80.3

$499,999 Premium

73,247 0.1 3,501 0.0 5,683,030 5.0 85,037,755 75.4

Average

$991 $3,501 $2,166 $1,743

$500,000 and Exposure

85.8 0.1 2,591.7 4.1 49,686.0 78.9

Over Premium

111,844 0.1 * 7,011,407 4.5 114,962,532 73.5

Average

$1,303 $2,705 $2,314

Total Exposure

17,940.3 2.5 758.1 0.1 52,293.4 7.2 559,062.9 76.6

Premium

9,569,474 0.8 678,328 0.1 87,897,118 7.7 833,543,436 73.1

Average

$533 $895 $1,681 $1,491

%

Kansas

Table 4

2021 Average Premium by Amount of Insurance

HO-3 %DW HO-2 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

% HO-1

62

Insurance

Range

$49,999 and Exposure

470.0 4.3 424.4 3.9 11,011.0 100.0

Under Premium

110,811 2.1 278,721 5.4 5,155,887 100.0

Average

$236 $657 $468

$50,000 to Exposure

188.9 1.7 973.0 8.9 10,914.6 100.0

$74,999 Premium

207,075 2.5 892,150 10.6 8,411,493 100.0

Average

$1,096 $917 $771

$75,000 to Exposure

284.7 2.1 907.2 6.7 13,621.3 100.0

$99,999 Premium

419,147 3.0 1,002,883 7.3 13,804,859 100.0

Average

$1,472 $1,106 $1,013

$100,000 to Exposure

1,171.8 4.4 596.3 2.2 26,657.4 100.0

$124,999 Premium

1,759,006 5.8 779,988 2.6 30,089,163 100.0

Average

$1,501 $1,308 $1,129

$125,000 to Exposure

3,456.5 8.0 246.3 0.6 43,331.6 100.0

$149,999 Premium

5,364,134 10.1 368,085 0.7 52,907,284 100.0

Average

$1,552 $1,494 $1,221

$150,000 to Exposure

5,964.4 10.4 173.1 0.3 57,182.3 100.0

$174,999 Premium

9,869,733 13.1 275,297 0.4 75,267,242 100.0

Average

$1,655 $1,591 $1,316

$175,000 to Exposure

8,277.3 12.4 81.3 0.1 66,581.2 100.0

$199,999 Premium

14,433,117 15.7 145,412 0.2 92,023,412 100.0

Average

$1,744 $1,788 $1,382

$200,000 to Exposure

35,398.3 14.6 93.7 0.0 241,895.5 100.0

$299,999 Premium

69,919,596 19.0 191,648 0.1 368,455,185 100.0

Average

$1,975 $2,046 $1,523

$300,000 to Exposure

21,265.3 15.8 14.7 0.0 134,986.5 100.0

$399,999 Premium

46,623,129 20.7 33,820 0.0 225,364,267 100.0

Average

$2,192 $2,306 $1,670

$400,000 to Exposure

9,241.0 15.2 2.0 0.0 60,740.1 100.0

$499,999 Premium

21,980,133 19.5 7,557 0.0 112,785,223 100.0

Average

$2,379 $3,779 $1,857

$500,000 and Exposure

10,553.0 16.8 21.5 0.0 62,938.0 100.0

Over Premium

34,353,106 22.0 39,091 0.0 156,477,980 100.0

Average

$3,255 $1,818 $2,486

Total Exposure

96,271.2 13.2 3,533.4 0.5 729,859.3 100.0

Premium

205,038,987 18.0 4,014,652 0.4 1,140,741,995 100.0

Average

$2,130 $1,136 $1,563

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Kansas

Table 4

2021 Average Premium by Amount of Insurance

63

Insurance

Range

$49,999 and Exposure

2,547.0 25.5 97.0 1.0 329.4 3.3 1,109.0 11.1

Under Premium

676,427 14.9 32,555 0.7 207,748 4.6 653,944 14.4

Average

$266 $336 $631 $590

$50,000 to Exposure

1,341.0 10.2 185.4 1.4 2,432.5 18.5 3,395.3 25.8

$74,999 Premium

550,070 6.2 78,173 0.9 1,807,791 20.5 2,390,745 27.1

Average

$410 $422 $743 $704

$75,000 to Exposure

687.3 3.2 187.3 0.9 7,080.8 33.4 10,111.3 47.7

$99,999 Premium

343,834 2.1 86,728 0.5 5,738,744 34.4 7,915,049 47.5

Average

$500 $463 $810 $783

$100,000 to Exposure

454.9 1.0 75.3 0.2 11,339.2 25.8 29,222.0 66.6

$124,999 Premium

253,772 0.7 45,335 0.1 9,208,203 25.5 24,219,877 67.2

Average

$558 $602 $812 $829

$125,000 to Exposure

271.3 0.4 55.0 0.1 12,465.6 17.2 56,142.8 77.4

$149,999 Premium

160,580 0.2 29,590 0.0 10,552,322 16.4 50,577,696 78.7

Average

$592 $538 $847 $901

$150,000 to Exposure

241.8 0.3 40.0 0.0 12,006.6 13.1 74,523.2 81.1

$174,999 Premium

185,056 0.2 29,959 0.0 10,719,522 12.3 71,894,065 82.5

Average

$765 $749 $893 $965

$175,000 to Exposure

143.3 0.1 15.1 0.0 11,395.2 11.6 80,818.8 82.1

$199,999 Premium

96,300 0.1 11,660 0.0 10,651,233 10.8 82,816,427 83.7

Average

$672 $773 $935 $1,025

$200,000 to Exposure

369.3 0.1 27.1 0.0 29,358.0 9.8 244,188.6 81.7

$299,999 Premium

232,993 0.1 18,646 0.0 30,162,817 8.9 283,235,298 83.7

Average

$631 $688 $1,027 $1,160

$300,000 to Exposure

175.5 0.1 0.9 0.0 11,535.8 7.9 118,683.3 81.7

$399,999 Premium

111,451 0.1 144 0.0 13,499,029 6.9 163,275,595 83.7

Average

$635 $157 $1,170 $1,376

$400,000 to Exposure

69.6 0.1 4,095.8 6.6 51,063.0 81.7

$499,999 Premium

44,785 0.0 * 5,462,894 5.5 82,605,232 83.7

Average

$644 $1,334 $1,618

$500,000 and Exposure

66.8 0.1 3,466.0 5.1 52,083.7 77.2

Over Premium

99,604 0.1 * 6,318,516 4.0 119,468,834 75.8

Average

$1,490 $1,823 $2,294

Total Exposure

6,367.7 0.7 683.1 0.1 105,504.9 11.4 721,341.0 78.0

Premium

2,754,872 0.2 332,790 0.0 104,328,819 9.4 889,052,762 80.4

Average

$433 $487 $989 $1,232

%

Table 4

2021 Average Premium by Amount of Insurance

Kentucky

HO-3 %%HO-2DW % HO-1

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

64

Insurance

Range

$49,999 and Exposure

981.9 9.8 4,940.4 49.4 10,004.8 100.0

Under Premium

140,239 3.1 2,834,820 62.4 4,545,733 100.0

Average

$143 $574 $454

$50,000 to Exposure

482.9 3.7 5,337.2 40.5 13,174.3 100.0

$74,999 Premium

234,079 2.7 3,748,433 42.6 8,809,291 100.0

Average

$485 $702 $669

$75,000 to Exposure

595.6 2.8 2,533.4 12.0 21,195.7 100.0

$99,999 Premium

465,142 2.8 2,111,713 12.7 16,661,210 100.0

Average

$781 $834 $786

$100,000 to Exposure

1,479.6 3.4 1,308.3 3.0 43,879.2 100.0

$124,999 Premium

1,119,732 3.1 1,195,552 3.3 36,042,471 100.0

Average

$757 $914 $821

$125,000 to Exposure

3,052.3 4.2 592.5 0.8 72,579.6 100.0

$149,999 Premium

2,360,974 3.7 584,966 0.9 64,266,128 100.0

Average

$773 $987 $885

$150,000 to Exposure

4,697.4 5.1 386.6 0.4 91,895.5 100.0

$174,999 Premium

3,880,734 4.5 422,511 0.5 87,131,847 100.0

Average

$826 $1,093 $948

$175,000 to Exposure

5,902.5 6.0 165.8 0.2 98,440.7 100.0

$199,999 Premium

5,229,447 5.3 186,953 0.2 98,992,020 100.0

Average

$886 $1,127 $1,006

$200,000 to Exposure

24,637.5 8.2 236.3 0.1 298,816.7 100.0

$299,999 Premium

24,578,174 7.3 319,883 0.1 338,547,811 100.0

Average

$998 $1,354 $1,133

$300,000 to Exposure

14,804.0 10.2 48.6 0.0 145,248.2 100.0

$399,999 Premium

17,992,732 9.2 80,434 0.0 194,959,385 100.0

Average

$1,215 $1,656 $1,342

$400,000 to Exposure

7,253.5 11.6 14.8 0.0 62,496.8 100.0

$499,999 Premium

10,580,468 10.7 32,112 0.0 98,725,491 100.0

Average

$1,459 $2,165 $1,580

$500,000 and Exposure

11,826.7 17.5 17.1 0.0 67,460.3 100.0

Over Premium

31,706,348 20.1 38,279 0.0 157,631,581 100.0

Average

$2,681 $2,241 $2,337

Total Exposure

75,713.9 8.2 15,580.9 1.7 925,191.5 100.0

Premium

98,288,069 8.9 11,555,656 1.0 1,106,312,968 100.0

Average

$1,298 $742 $1,196

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Kentucky

2021 Average Premium by Amount of Insurance

Table 4

65

Insurance

Range

$49,999 and Exposure

3,783.8 66.1 5.0 0.1 57.1 1.0 1,533.3 26.8

Under Premium

2,093,470 72.1 1,768 0.1 24,714 0.9 665,724 22.9

Average

$553 $354 $433 $434

$50,000 to Exposure

4,351.8 60.4 5.0 0.1 64.2 0.9 2,102.8 29.2

$74,999 Premium

2,353,628 49.0 2,463 0.1 52,331 1.1 1,909,784 39.8

Average

$541 $493 $816 $908

$75,000 to Exposure

3,993.7 26.8 17.0 0.1 215.4 1.4 9,884.1 66.3

$99,999 Premium

2,344,260 17.3 10,953 0.1 238,405 1.8 10,236,472 75.4

Average

$587 $644 $1,107 $1,036

$100,000 to Exposure

3,652.3 10.7 21.8 0.1 1,121.6 3.3 28,467.3 83.6

$124,999 Premium

2,292,708 5.5 17,862 0.0 1,301,261 3.1 36,872,125 89.1

Average

$628 $821 $1,160 $1,295

$125,000 to Exposure

3,002.5 5.5 14.0 0.0 3,207.7 5.9 47,079.8 86.9

$149,999 Premium

1,882,158 2.4 14,574 0.0 4,096,271 5.2 71,661,650 90.9

Average

$627 $1,041 $1,277 $1,522

$150,000 to Exposure

2,806.3 3.9 17.3 0.0 4,813.7 6.8 62,294.1 87.6

$174,999 Premium

1,998,264 1.7 20,544 0.0 6,398,819 5.5 105,268,259 91.1

Average

$712 $1,191 $1,329 $1,690

$175,000 to Exposure

1,632.9 2.2 6.0 0.0 5,719.8 7.8 65,194.5 88.4

$199,999 Premium

1,313,064 1.0 9,745 0.0 7,840,109 6.0 119,411,806 91.4

Average

$804 $1,624 $1,371 $1,832

$200,000 to Exposure

3,233.7 1.3 1.0 0.0 18,913.8 7.7 220,146.2 89.5

$299,999 Premium

3,373,638 0.7 1,533 0.0 30,312,852 6.0 466,595,811 91.9

Average

$1,043 $1,533 $1,603 $2,119

$300,000 to Exposure

800.9 0.7 6,678.6 5.8 105,597.8 92.0

$399,999 Premium

1,072,173 0.4 * 13,166,273 4.6 269,860,349 93.7

Average

$1,339 $1,971 $2,556

$400,000 to Exposure

224.5 0.5 1.0 0.0 2,446.7 5.2 43,331.3 92.5

$499,999 Premium

392,314 0.3 2,254 0.0 5,984,808 4.3 131,912,508 93.7

Average

$1,748 $2,254 $2,446 $3,044

$500,000 and Exposure

606.0 1.1 1.0 0.0 2,584.2 4.8 45,874.3 86.0

Over Premium

965,585 0.4 2,480 0.0 9,115,801 3.7 211,901,635 85.6

Average

$1,593 $2,480 $3,528 $4,619

Total Exposure

28,088.4 3.9 89.0 0.0 45,822.7 6.3 631,505.5 87.5

Premium

20,081,262 1.3 84,176 0.0 78,531,644 5.0 1,426,296,123 90.7

Average

$715 $946 $1,714 $2,259

DW

Table 4

%

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

%

2021 Average Premium by Amount of Insurance

HO-3 %HO-2% HO-1

Louisiana

66

Insurance

Range

$49,999 and Exposure

36.3 0.6 304.8 5.3 5,720.4 100.0

Under Premium

12,725 0.4 106,171 3.7 2,904,572 100.0

Average

$350 $348 $508

$50,000 to Exposure

7.8 0.1 676.3 9.4 7,207.8 100.0

$74,999 Premium

8,657 0.2 475,567 9.9 4,802,430 100.0

Average

$1,117 $703 $666

$75,000 to Exposure

46.1 0.3 744.8 5.0 14,901.0 100.0

$99,999 Premium

51,783 0.4 697,897 5.1 13,579,770 100.0

Average

$1,124 $937 $911

$100,000 to Exposure

161.1 0.5 610.4 1.8 34,034.4 100.0

$124,999 Premium

206,355 0.5 685,500 1.7 41,375,811 100.0

Average

$1,281 $1,123 $1,216

$125,000 to Exposure

550.2 1.0 296.7 0.5 54,150.8 100.0

$149,999 Premium

796,156 1.0 403,553 0.5 78,854,362 100.0

Average

$1,447 $1,360 $1,456

$150,000 to Exposure

910.0 1.3 249.1 0.4 71,090.4 100.0

$174,999 Premium

1,434,322 1.2 380,849 0.3 115,501,057 100.0

Average

$1,576 $1,529 $1,625

$175,000 to Exposure

1,061.3 1.4 126.7 0.2 73,741.2 100.0

$199,999 Premium

1,863,485 1.4 221,245 0.2 130,659,454 100.0

Average

$1,756 $1,747 $1,772

$200,000 to Exposure

3,597.2 1.5 192.6 0.1 246,084.4 100.0

$299,999 Premium

7,117,460 1.4 397,932 0.1 507,799,226 100.0

Average

$1,979 $2,066 $2,064

$300,000 to Exposure

1,585.6 1.4 57.3 0.0 114,720.2 100.0

$399,999 Premium

3,877,062 1.3 145,142 0.1 288,120,999 100.0

Average

$2,445 $2,535 $2,512

$400,000 to Exposure

837.9 1.8 17.2 0.0 46,858.6 100.0

$499,999 Premium

2,465,378 1.8 57,868 0.0 140,815,130 100.0

Average

$2,942 $3,371 $3,005

$500,000 and Exposure

2,807.8 5.3 1,476.3 2.8 53,349.7 100.0

Over Premium

23,714,456 9.6 1,840,629 0.7 247,540,586 100.0

Average

$8,446 $1,247 $4,640

Total Exposure

11,601.2 1.6 4,752.1 0.7 721,858.8 100.0

Premium

41,547,839 2.6 5,412,353 0.3 1,571,953,397 100.0

Average

$3,581 $1,139 $2,178

Total %HO-5 % HO-8 %

Louisiana

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Table 4

67

Insurance

Range

$49,999 and Exposure

765.3 70.7 8.5 0.8 23.8 2.2 169.0 15.6

Under Premium

182,614 58.0 1,354 0.4 6,596 2.1 64,376 20.5

Average

$239 $159 $277 $381

$50,000 to Exposure

551.9 41.5 26.0 2.0 84.8 6.4 466.3 35.1

$74,999 Premium

178,333 33.2 8,360 1.6 29,855 5.6 216,028 40.2

Average

$323 $322 $352 $463

$75,000 to Exposure

580.1 22.4 24.8 1.0 188.7 7.3 1,568.8 60.6

$99,999 Premium

223,077 18.0 7,212 0.6 68,865 5.6 798,069 64.3

Average

$385 $290 $365 $509

$100,000 to Exposure

514.7 9.9 54.8 1.1 441.3 8.5 3,874.3 74.7

$124,999 Premium

247,038 8.4 19,432 0.7 185,560 6.3 2,277,728 77.2

Average

$480 $355 $421 $588

$125,000 to Exposure

400.3 4.1 55.9 0.6 711.2 7.3 8,102.9 83.6

$149,999 Premium

184,185 3.0 20,175 0.3 339,161 5.4 5,366,948 86.1

Average

$460 $361 $477 $662

$150,000 to Exposure

472.8 2.7 83.4 0.5 1,322.8 7.5 15,022.4 84.7

$174,999 Premium

223,763 1.8 36,226 0.3 694,324 5.7 10,631,158 87.0

Average

$473 $434 $525 $708

$175,000 to Exposure

358.3 1.4 64.6 0.2 2,035.0 7.7 22,623.3 85.8

$199,999 Premium

185,561 1.0 26,515 0.1 1,152,934 6.0 16,902,553 87.8

Average

$518 $411 $567 $747

$200,000 to Exposure

1,008.6 0.7 159.3 0.1 9,908.3 7.2 116,317.4 84.7

$299,999 Premium

620,403 0.6 78,800 0.1 6,626,386 5.9 96,297,258 86.2

Average

$615 $495 $669 $828

$300,000 to Exposure

382.8 0.4 48.0 0.1 5,098.3 5.7 76,237.5 85.0

$399,999 Premium

261,100 0.3 31,277 0.0 4,292,356 4.9 75,277,780 85.7

Average

$682 $652 $842 $987

$400,000 to Exposure

185.2 0.4 27.2 0.1 1,679.0 4.0 35,199.9 84.7

$499,999 Premium

152,595 0.3 21,836 0.0 1,810,260 3.7 42,072,793 85.1

Average

$824 $804 $1,078 $1,195

$500,000 and Exposure

200.2 0.5 20.3 0.0 1,066.8 2.5 35,511.1 82.0

Over Premium

200,867 0.3 20,470 0.0 1,628,459 2.0 63,815,985 79.5

Average

$1,003 $1,007 $1,527 $1,797

Total Exposure

5,420.0 1.4 572.8 0.2 22,559.9 6.0 315,092.9 83.8

Premium

2,659,536 0.7 271,657 0.1 16,834,756 4.5 313,720,676 84.3

Average

$491 $474 $746 $996

%

Table 4

2021 Average Premium by Amount of Insurance

HO-3 %HO-2 %DW

Maine

% HO-1

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

68

Insurance

Range

$49,999 and Exposure

41.2 3.8 74.0 6.8 1,081.8 100.0

Under Premium

11,973 3.8 47,715 15.2 314,628 100.0

Average

$291 $645 $291

$50,000 to Exposure

57.5 4.3 143.2 10.8 1,329.8 100.0

$74,999 Premium

31,104 5.8 73,998 13.8 537,678 100.0

Average

$541 $517 $404

$75,000 to Exposure

89.3 3.4 136.0 5.3 2,587.6 100.0

$99,999 Premium

57,983 4.7 85,289 6.9 1,240,495 100.0

Average

$650 $627 $479

$100,000 to Exposure

165.7 3.2 138.3 2.7 5,188.8 100.0

$124,999 Premium

119,289 4.0 100,162 3.4 2,949,209 100.0

Average

$720 $724 $568

$125,000 to Exposure

339.9 3.5 87.9 0.9 9,698.2 100.0

$149,999 Premium

259,482 4.2 66,921 1.1 6,236,872 100.0

Average

$763 $761 $643

$150,000 to Exposure

723.8 4.1 116.8 0.7 17,742.1 100.0

$174,999 Premium

537,078 4.4 99,048 0.8 12,221,597 100.0

Average

$742 $848 $689

$175,000 to Exposure

1,244.4 4.7 52.8 0.2 26,378.3 100.0

$199,999 Premium

935,426 4.9 47,550 0.2 19,250,539 100.0

Average

$752 $901 $730

$200,000 to Exposure

9,739.8 7.1 150.7 0.1 137,284.1 100.0

$299,999 Premium

7,965,151 7.1 153,574 0.1 111,741,572 100.0

Average

$818 $1,019 $814

$300,000 to Exposure

7,902.0 8.8 51.7 0.1 89,720.2 100.0

$399,999 Premium

7,875,978 9.0 65,454 0.1 87,803,945 100.0

Average

$997 $1,267 $979

$400,000 to Exposure

4,474.2 10.8 13.8 0.0 41,579.3 100.0

$499,999 Premium

5,379,751 10.9 19,865 0.0 49,457,100 100.0

Average

$1,202 $1,436 $1,189

$500,000 and Exposure

6,510.5 15.0 10.0 0.0 43,318.8 100.0

Over Premium

14,557,106 18.1 20,034 0.0 80,242,921 100.0

Average

$2,236 $2,003 $1,852

Total Exposure

31,288.1 8.3 975.1 0.3 375,908.8 100.0

Premium

37,730,321 10.1 779,610 0.2 371,996,556 100.0

Average

$1,206 $800 $990

HO-5 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Maine

Total %HO-8 %

2021 Average Premium by Amount of Insurance

Table 4

69

Insurance

Range

$49,999 and Exposure

471.5 15.6 13.5 0.4 24.3 0.8 1,425.7 47.3

Under Premium

174,211 445.8 5,555 14.2 10,740 27.5 208,997 534.8

Average

$369 $411 $443 $147

$50,000 to Exposure

241.3 20.8 8.0 0.7 57.8 5.0 274.5 23.6

$74,999 Premium

127,066 25.8 4,154 0.8 25,820 5.3 182,385 37.1

Average

$527 $519 $446 $664

$75,000 to Exposure

264.4 22.0 10.9 0.9 84.6 7.0 591.4 49.2

$99,999 Premium

170,808 22.7 6,209 0.8 46,189 6.1 370,905 49.4

Average

$646 $569 $546 $627

$100,000 to Exposure

294.5 6.3 14.4 0.3 281.8 6.0 3,288.9 69.9

$124,999 Premium

255,965 8.4 9,737 0.3 184,668 6.1 2,157,038 71.2

Average

$869 $675 $655 $656

$125,000 to Exposure

188.1 1.1 5.9 0.0 1,324.3 7.5 13,290.8 75.5

$149,999 Premium

146,875 1.2 3,504 0.0 1,042,015 8.2 9,675,114 76.6

Average

$781 $592 $787 $728

$150,000 to Exposure

327.3 0.7 15.8 0.0 3,908.6 8.8 33,185.2 74.4

$174,999 Premium

305,313 0.9 8,525 0.0 3,299,283 9.6 25,929,093 75.5

Average

$933 $541 $844 $781

$175,000 to Exposure

331.8 0.4 13.5 0.0 7,178.8 9.6 55,103.5 74.0

$199,999 Premium

254,308 0.4 8,082 0.0 6,395,011 10.4 45,890,275 75.0

Average

$766 $599 $891 $833

$200,000 to Exposure

1,441.6 0.3 43.8 0.0 34,703.7 8.4 312,753.0 75.4

$299,999 Premium

1,210,488 0.3 35,260 0.0 34,569,920 8.9 297,486,174 76.4

Average

$840 $806 $996 $951

$300,000 to Exposure

1,039.1 0.3 17.0 0.0 20,997.1 6.6 242,602.6 76.7

$399,999 Premium

826,316 0.2 18,451 0.0 24,665,603 6.9 278,090,681 78.1

Average

$795 $1,085 $1,175 $1,146

$400,000 to Exposure

646.1 0.4 5.7 0.0 10,101.0 5.5 141,848.7 77.7

$499,999 Premium

542,482 0.2 8,771 0.0 13,499,263 5.5 193,828,349 79.3

Average

$840 $1,548 $1,336 $1,366

$500,000 and Exposure

643.4 0.3 7.1 0.0 12,872.1 5.0 195,316.9 76.3

Over Premium

611,424 0.1 10,541 0.0 24,268,587 4.8 384,278,345 75.8

Average

$950 $1,488 $1,885 $1,967

Total Exposure

5,889.1 0.4 155.5 0.0 91,533.9 7.0 999,681.2 75.9

Premium

4,625,256 0.3 118,789 0.0 108,007,099 6.7 1,238,097,356 76.9

Average

$785 $764 $1,180 $1,238

Table 4

2021 Average Premium by Amount of Insurance

HO-3 %DW % HO-1 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

HO-2 %

Maryland

70

Insurance

Range

$49,999 and Exposure

3,017.2 100.0

Under Premium

* * 39,080 100.0

Average

$13

$50,000 to Exposure

580.4 49.9 1,162.1 100.0

$74,999 Premium

152,220 31.0 * 491,645 100.0

Average

$262 $423

$75,000 to Exposure

251.4 20.9 1,202.8 100.0

$99,999 Premium

157,054 20.9 * 751,165 100.0

Average

$625 $625

$100,000 to Exposure

824.6 17.5 2.0 0.0 4,706.3 100.0

$124,999 Premium

421,083 13.9 1,056 0.0 3,029,547 100.0

Average

$511 $528 $644

$125,000 to Exposure

2,793.1 15.9 3.0 0.0 17,605.2 100.0

$149,999 Premium

1,760,737 13.9 3,157 0.0 12,631,402 100.0

Average

$630 $1,052 $717

$150,000 to Exposure

7,159.3 16.0 12.0 0.0 44,608.1 100.0

$174,999 Premium

4,798,078 14.0 8,518 0.0 34,348,810 100.0

Average

$670 $710 $770

$175,000 to Exposure

11,856.6 15.9 3.2 0.0 74,487.3 100.0

$199,999 Premium

8,660,318 14.1 2,812 0.0 61,210,806 100.0

Average

$730 $888 $822

$200,000 to Exposure

65,592.0 15.8 34.3 0.0 414,568.3 100.0

$299,999 Premium

56,091,599 14.4 37,267 0.0 389,430,708 100.0

Average

$855 $1,088 $939

$300,000 to Exposure

51,585.4 16.3 12.0 0.0 316,253.2 100.0

$399,999 Premium

52,449,502 14.7 15,521 0.0 356,066,074 100.0

Average

$1,017 $1,293 $1,126

$400,000 to Exposure

30,022.5 16.4 3.6 0.0 182,627.5 100.0

$499,999 Premium

36,671,738 15.0 7,126 0.0 244,557,729 100.0

Average

$1,221 $1,989 $1,339

$500,000 and Exposure

47,239.9 18.4 2.6 0.0 256,082.0 100.0

Over Premium

97,923,010 19.3 6,701 0.0 507,098,608 100.0

Average

$2,073 $2,594 $1,980

Total Exposure

218,987.5 16.6 72.6 0.0 1,316,319.8 100.0

Premium

258,724,916 16.1 82,158 0.0 1,609,655,574 100.0

Average

$1,181 $1,132 $1,223

Table 4

Total %HO-5 % HO-8 %

Maryland

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

71

Insurance

Range

$49,999 and Exposure

145.2 13.4

Under Premium

60,483 * 7,149 *

Average

$417 $533

$50,000 to Exposure

126.8 23.5 20.2 3.7 299.3 55.5

$74,999 Premium

44,915 26.5 * 11,307 6.7 72,198 42.6

Average

$354 $561 $241

$75,000 to Exposure

90.8 14.0 3.0 0.5 41.2 6.4 488.8 75.6

$99,999 Premium

39,500 13.2 871 0.3 18,211 6.1 231,441 77.5

Average

$435 $290 $442 $473

$100,000 to Exposure

147.5 9.2 6.0 0.4 47.6 3.0 1,322.6 82.1

$124,999 Premium

88,109 8.6 1,780 0.2 25,914 2.5 871,651 84.8

Average

$597 $297 $545 $659

$125,000 to Exposure

102.5 3.0 4.0 0.1 65.4 1.9 3,176.3 93.2

$149,999 Premium

66,340 2.5 1,557 0.1 40,763 1.6 2,469,757 94.2

Average

$647 $389 $623 $778

$150,000 to Exposure

175.8 2.2 23.0 0.3 125.6 1.6 7,490.9 94.2

$174,999 Premium

138,604 2.1 9,614 0.1 85,060 1.3 6,328,123 94.8

Average

$788 $418 $677 $845

$175,000 to Exposure

172.2 1.1 21.0 0.1 359.9 2.2 15,453.8 94.5

$199,999 Premium

130,782 0.9 8,593 0.1 266,325 1.8 14,184,847 95.1

Average

$760 $409 $740 $918

$200,000 to Exposure

823.2 0.4 126.1 0.1 7,864.3 3.7 193,916.7 90.8

$299,999 Premium

780,978 0.3 57,227 0.0 6,843,320 2.9 219,098,881 92.2

Average

$949 $454 $870 $1,130

$300,000 to Exposure

642.0 0.2 157.5 0.0 14,816.3 4.5 289,845.4 88.2

$399,999 Premium

705,466 0.2 85,203 0.0 15,541,701 3.5 401,247,964 90.2

Average

$1,099 $541 $1,049 $1,384

$400,000 to Exposure

342.7 0.1 73.7 0.0 11,600.0 4.3 232,262.6 86.8

$499,999 Premium

455,496 0.1 50,862 0.0 14,507,306 3.4 379,615,943 89.1

Average

$1,329 $690 $1,251 $1,634

$500,000 and Exposure

482.3 0.1 44.0 0.0 16,707.3 2.7 527,624.9 85.0

Over Premium

833,982 0.1 31,386 0.0 30,640,493 2.2 1,166,422,257 84.4

Average

$1,729 $713 $1,834 $2,211

Total Exposure

3,250.8 0.2 458.3 0.0 51,661.1 3.5 1,272,201.8 87.0

Premium

3,344,655 0.1 247,093 0.0 67,987,549 2.7 2,178,407,866 87.1

Average

$1,029 $539 $1,316 $1,712

Table 4

% HO-1

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

2021 Average Premium by Amount of Insurance

% HO-3 %DW

Massachusetts

HO-2 %

72

Insurance

Range

$49,999 and Exposure

5.0

Under Premium

* 671 *

Average

$134

$50,000 to Exposure

80.7 15.0 12.0 2.2 538.9 100.0

$74,999 Premium

39,689 23.4 1,557 0.9 169,666 100.0

Average

$492 $130 $315

$75,000 to Exposure

9.9 1.5 12.7 2.0 646.3 100.0

$99,999 Premium

1,604 0.5 7,103 2.4 298,730 100.0

Average

$162 $561 $462

$100,000 to Exposure

62.0 3.8 26.2 1.6 1,611.8 100.0

$124,999 Premium

25,482 2.5 15,071 1.5 1,028,007 100.0

Average

$411 $576 $638

$125,000 to Exposure

37.6 1.1 21.5 0.6 3,407.3 100.0

$149,999 Premium

27,685 1.1 14,414 0.6 2,620,516 100.0

Average

$737 $670 $769

$150,000 to Exposure

111.7 1.4 23.3 0.3 7,950.3 100.0

$174,999 Premium

98,780 1.5 15,723 0.2 6,675,904 100.0

Average

$885 $676 $840

$175,000 to Exposure

332.4 2.0 21.0 0.1 16,360.3 100.0

$199,999 Premium

312,252 2.1 18,695 0.1 14,921,494 100.0

Average

$939 $890 $912

$200,000 to Exposure

10,699.2 5.0 97.6 0.0 213,526.9 100.0

$299,999 Premium

10,719,348 4.5 104,603 0.0 237,604,357 100.0

Average

$1,002 $1,072 $1,113

$300,000 to Exposure

23,212.3 7.1 67.5 0.0 328,740.9 100.0

$399,999 Premium

26,960,644 6.1 93,936 0.0 444,634,914 100.0

Average

$1,161 $1,392 $1,353

$400,000 to Exposure

23,407.7 8.7 36.6 0.0 267,723.2 100.0

$499,999 Premium

31,304,775 7.3 61,805 0.0 425,996,187 100.0

Average

$1,337 $1,689 $1,591

$500,000 and Exposure

75,931.4 12.2 26.9 0.0 620,816.9 100.0

Over Premium

183,856,773 13.3 65,153 0.0 1,381,850,044 100.0

Average

$2,421 $2,421 $2,226

Total Exposure

134,008.8 9.2 350.2 0.0 1,461,931.0 100.0

Premium

251,212,636 10.0 398,731 0.0 2,501,598,530 100.0

Average

$1,875 $1,139 $1,711

Total

Table 4

% HO-8

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Massachusetts

%HO-5 %

73

Insurance

Range

$49,999 and Exposure

3,011.2 39.1 1,113.3 14.4 2,639.0 34.3

Under Premium

1,990,002 41.2 * 1,415,405 29.3 1,046,372 21.7

Average

$661 $1,271 $397

$50,000 to Exposure

3,251.6 31.0 1,717.9 16.4 5,113.8 48.7

$74,999 Premium

2,871,318 32.5 * 2,364,206 26.7 3,293,236 37.2

Average

$883 $1,376 $644

$75,000 to Exposure

1,861.3 10.7 1,486.6 8.5 13,730.6 78.6

$99,999 Premium

1,838,274 14.4 * 1,974,283 15.5 8,559,442 67.1

Average

$988 $1,328 $623

$100,000 to Exposure

1,657.1 3.8 39.7 0.1 2,543.7 5.9 38,198.3 88.0

$124,999 Premium

1,882,585 6.0 23,385 0.1 2,982,997 9.6 25,491,646 81.7

Average

$1,136 $590 $1,173 $667

$125,000 to Exposure

828.3 1.0 11.2 0.0 3,811.3 4.4 79,301.8 91.8

$149,999 Premium

925,290 1.4 8,563 0.0 3,614,875 5.6 57,803,380 89.6

Average

$1,117 $767 $948 $729

$150,000 to Exposure

874.8 0.6 15.1 0.0 7,425.5 5.3 127,855.7 90.5

$174,999 Premium

1,109,457 1.0 11,745 0.0 7,208,927 6.4 98,982,560 88.4

Average

$1,268 $779 $971 $774

$175,000 to Exposure

553.8 0.3 4.2 0.0 11,274.8 6.1 166,313.4 89.6

$199,999 Premium

693,690 0.5 4,654 0.0 10,646,539 7.0 134,370,986 88.0

Average

$1,253 $1,117 $944 $808

$200,000 to Exposure

1,612.4 0.2 6.0 0.0 53,564.7 6.7 702,660.3 87.6

$299,999 Premium

2,139,238 0.3 8,203 0.0 55,498,022 7.6 622,864,095 85.8

Average

$1,327 $1,367 $1,036 $886

$300,000 to Exposure

656.4 0.1 2.0 0.0 30,295.3 6.1 430,074.3 86.6

$399,999 Premium

916,512 0.2 1,712 0.0 36,447,017 7.1 431,899,433 84.4

Average

$1,396 $856 $1,203 $1,004

$400,000 to Exposure

182.9 0.1 1.0 0.0 11,316.8 5.0 196,161.3 86.6

$499,999 Premium

296,014 0.1 1,292 0.0 15,594,259 5.8 228,018,537 84.6

Average

$1,618 $1,292 $1,378 $1,162

$500,000 and Exposure

179.9 0.1 1.0 0.0 10,703.4 4.6 196,547.5 83.7

Over Premium

463,400 0.1 1,224 0.0 20,889,126 4.9 332,772,540 78.6

Average

$2,576 $1,224 $1,952 $1,693

Total Exposure

14,669.7 0.7 80.1 0.0 135,253.2 6.0 1,958,595.8 87.0

Premium

15,125,780 0.7 60,778 0.0 158,635,656 6.8 1,945,102,227 83.9

Average

$1,031 $759 $1,173 $993

Table 4

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Michigan

2021 Average Premium by Amount of Insurance

HO-3 %DW % HO-1 % HO-2 %

74

Insurance

Range

$49,999 and Exposure

771.3 10.0 170.2 2.2 7,704.8 100.0

Under Premium

261,772 5.4 117,247 2.4 4,830,798 100.0

Average

$339 $689 $627

$50,000 to Exposure

311.0 3.0 105.8 1.0 10,500.1 100.0

$74,999 Premium

243,089 2.7 74,928 0.8 8,846,777 100.0

Average

$782 $708 $843

$75,000 to Exposure

303.2 1.7 80.9 0.5 17,462.6 100.0

$99,999 Premium

313,094 2.5 76,732 0.6 12,761,825 100.0

Average

$1,033 $948 $731

$100,000 to Exposure

935.4 2.2 46.3 0.1 43,420.3 100.0

$124,999 Premium

793,687 2.5 46,220 0.1 31,220,520 100.0

Average

$848 $999 $719

$125,000 to Exposure

2,380.3 2.8 21.0 0.0 86,353.8 100.0

$149,999 Premium

2,140,779 3.3 17,806 0.0 64,510,693 100.0

Average

$899 $848 $747

$150,000 to Exposure

5,068.2 3.6 9.6 0.0 141,248.8 100.0

$174,999 Premium

4,628,614 4.1 11,998 0.0 111,953,301 100.0

Average

$913 $1,252 $793

$175,000 to Exposure

7,414.6 4.0 6.0 0.0 185,566.7 100.0

$199,999 Premium

7,035,268 4.6 6,690 0.0 152,757,827 100.0

Average

$949 $1,115 $823

$200,000 to Exposure

43,864.3 5.5 4.0 0.0 801,711.8 100.0

$299,999 Premium

45,067,377 6.2 3,982 0.0 725,580,917 100.0

Average

$1,027 $996 $905

$300,000 to Exposure

35,869.5 7.2 3.0 0.0 496,900.5 100.0

$399,999 Premium

42,281,369 8.3 2,706 0.0 511,548,749 100.0

Average

$1,179 $902 $1,029

$400,000 to Exposure

18,919.9 8.4 2.0 0.0 226,583.8 100.0

$499,999 Premium

25,735,657 9.5 6,523 0.0 269,652,282 100.0

Average

$1,360 $3,262 $1,190

$500,000 and Exposure

27,324.8 11.6 234,756.7 100.0

Over Premium

69,412,460 16.4 * 423,538,750 100.0

Average

$2,540 $1,804

Total Exposure

143,162.5 6.4 448.8 0.0 2,252,209.9 100.0

Premium

197,913,166 8.5 364,832 0.0 2,317,202,439 100.0

Average

$1,382 $813 $1,029

Table 4

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Michigan

2021 Average Premium by Amount of Insurance

%HO-5 % HO-8 % Total

75

Insurance

Range

$49,999 and Exposure

493.0 5.3 537.7 5.8 302.4 3.3 4,886.7 52.8

Under Premium

247,878 12.2 27,933 1.4 146,672 7.2 1,187,984 58.6

Average

$503 $52 $485 $243

$50,000 to Exposure

508.2 9.8 113.9 2.2 253.5 4.9 2,839.8 54.6

$74,999 Premium

293,889 12.6 34,243 1.5 135,809 5.8 1,555,276 66.7

Average

$578 $301 $536 $548

$75,000 to Exposure

451.5 7.0 151.6 2.4 394.8 6.1 4,664.9 72.6

$99,999 Premium

295,179 6.9 50,251 1.2 220,813 5.2 3,371,118 79.4

Average

$654 $332 $559 $723

$100,000 to Exposure

528.8 4.3 165.2 1.4 521.8 4.3 9,807.3 80.4

$124,999 Premium

402,178 4.2 61,282 0.6 339,160 3.6 7,931,325 83.5

Average

$761 $371 $650 $809

$125,000 to Exposure

436.8 2.1 164.7 0.8 658.8 3.1 17,944.5 84.6

$149,999 Premium

345,543 1.8 68,872 0.4 532,562 2.8 16,289,840 85.4

Average

$791 $418 $808 $908

$150,000 to Exposure

548.6 1.5 197.2 0.5 1,060.7 2.9 30,408.5 83.3

$174,999 Premium

483,247 1.3 87,896 0.2 957,842 2.6 30,566,501 83.6

Average

$881 $446 $903 $1,005

$175,000 to Exposure

458.6 0.8 150.1 0.3 1,680.2 3.0 46,721.8 82.2

$199,999 Premium

494,288 0.8 77,528 0.1 1,757,184 2.8 51,731,754 81.8

Average

$1,078 $517 $1,046 $1,107

$200,000 to Exposure

1,518.6 0.4 432.7 0.1 14,523.4 3.6 314,958.8 78.2

$299,999 Premium

1,936,434 0.4 239,797 0.0 19,985,944 3.7 418,753,493 77.4

Average

$1,275 $554 $1,376 $1,330

$300,000 to Exposure

657.1 0.2 72.3 0.0 13,575.7 3.8 267,780.5 74.9

$399,999 Premium

1,041,597 0.2 60,355 0.0 23,634,021 4.1 421,645,444 73.9

Average

$1,585 $834 $1,741 $1,575

$400,000 to Exposure

263.6 0.1 25.3 0.0 7,591.8 3.8 146,501.0 74.2

$499,999 Premium

484,762 0.1 23,941 0.0 15,486,980 4.2 268,279,271 73.6

Average

$1,839 $945 $2,040 $1,831

$500,000 and Exposure

214.3 0.1 7.3 0.0 7,422.3 3.4 156,178.1 72.4

Over Premium

461,888 0.1 12,186 0.0 21,427,608 3.9 389,926,308 71.3

Average

$2,155 $1,662 $2,887 $2,497

Total Exposure

6,079.0 0.5 2,017.9 0.2 47,985.3 3.6 1,002,691.8 75.9

Premium

6,486,883 0.3 744,284 0.0 84,624,595 3.9 1,611,238,314 74.6

Average

$1,067 $369 $1,764 $1,607

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Minnesota

HO-3 %DW % HO-1 % HO-2 %

Table 4

76

Insurance

Range

$49,999 and Exposure

1,083.3 11.7 1,950.7 21.1 9,253.8 100.0

Under Premium

161,547 8.0 254,885 12.6 2,026,899 100.0

Average

$149 $131 $219

$50,000 to Exposure

254.9 4.9 1,230.1 23.7 5,200.3 100.0

$74,999 Premium

86,396 3.7 226,385 9.7 2,331,998 100.0

Average

$339 $184 $448

$75,000 to Exposure

216.2 3.4 542.1 8.4 6,421.1 100.0

$99,999 Premium

156,244 3.7 153,910 3.6 4,247,515 100.0

Average

$723 $284 $661

$100,000 to Exposure

754.2 6.2 425.5 3.5 12,202.8 100.0

$124,999 Premium

599,997 6.3 169,370 1.8 9,503,312 100.0

Average

$796 $398 $779

$125,000 to Exposure

1,785.6 8.4 217.4 1.0 21,207.7 100.0

$149,999 Premium

1,719,027 9.0 116,206 0.6 19,072,050 100.0

Average

$963 $534 $899

$150,000 to Exposure

4,026.3 11.0 260.2 0.7 36,501.4 100.0

$174,999 Premium

4,324,857 11.8 160,151 0.4 36,580,494 100.0

Average

$1,074 $616 $1,002

$175,000 to Exposure

7,698.0 13.5 144.0 0.3 56,852.6 100.0

$199,999 Premium

9,071,833 14.3 117,493 0.2 63,250,080 100.0

Average

$1,178 $816 $1,113

$200,000 to Exposure

71,218.7 17.7 214.6 0.1 402,866.8 100.0

$299,999 Premium

99,966,931 18.5 214,138 0.0 541,096,737 100.0

Average

$1,404 $998 $1,343

$300,000 to Exposure

75,584.7 21.1 39.7 0.0 357,709.9 100.0

$399,999 Premium

124,439,583 21.8 60,138 0.0 570,881,138 100.0

Average

$1,646 $1,516 $1,596

$400,000 to Exposure

43,053.9 21.8 6.7 0.0 197,442.3 100.0

$499,999 Premium

80,429,168 22.1 12,489 0.0 364,716,611 100.0

Average

$1,868 $1,873 $1,847

$500,000 and Exposure

51,989.0 24.1 2.0 0.0 215,813.0 100.0

Over Premium

135,240,269 24.7 4,276 0.0 547,072,535 100.0

Average

$2,601 $2,138 $2,535

Total Exposure

257,664.8 19.5 5,032.8 0.4 1,321,471.7 100.0

Premium

456,195,852 21.1 1,489,441 0.1 2,160,779,369 100.0

Average

$1,771 $296 $1,635

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Minnesota

Table 4

Total %HO-5 % HO-8 %

77

Insurance

Range

$49,999 and Exposure

8,819.5 80.3 108.6 1.0 661.2 6.0

Under Premium

3,660,340 72.0 * 99,455 2.0 555,685 10.9

Average

$415 $916 $840

$50,000 to Exposure

5,583.5 47.1 122.2 1.0 682.3 5.8 2,739.6 23.1

$74,999 Premium

3,848,619 39.8 46,344 0.5 778,838 8.1 2,526,431 26.1

Average

$689 $379 $1,142 $922

$75,000 to Exposure

3,102.6 18.5 180.7 1.1 1,085.8 6.5 9,783.3 58.3

$99,999 Premium

3,153,285 17.8 77,479 0.4 1,460,181 8.2 10,058,237 56.7

Average

$1,016 $429 $1,345 $1,028

$100,000 to Exposure

1,563.4 5.4 95.9 0.3 1,335.7 4.6 23,825.3 81.6

$124,999 Premium

3,365,685 9.2 52,738 0.1 1,801,402 4.9 28,233,898 77.4

Average

$2,153 $550 $1,349 $1,185

$125,000 to Exposure

679.8 1.7 57.8 0.1 2,595.5 6.4 35,551.3 88.0

$149,999 Premium

3,618,612 6.5 36,561 0.1 3,185,801 5.7 47,016,350 84.1

Average

$5,323 $633 $1,227 $1,322

$150,000 to Exposure

511.0 1.1 42.5 0.1 3,784.4 8.2 40,509.0 87.9

$174,999 Premium

4,014,945 5.8 30,754 0.0 4,814,538 6.9 59,058,821 84.7

Average

$7,857 $724 $1,272 $1,458

$175,000 to Exposure

272.8 0.6 12.3 0.0 4,365.0 9.6 39,930.5 87.7

$199,999 Premium

3,504,112 4.8 10,429 0.0 5,634,306 7.7 62,696,123 85.5

Average

$12,847 $846 $1,291 $1,570

$200,000 to Exposure

404.4 0.3 6.0 0.0 14,504.1 10.9 115,395.1 86.5

$299,999 Premium

8,578,433 3.6 3,485 0.0 20,732,951 8.7 202,976,556 85.5

Average

$21,212 $581 $1,429 $1,759

$300,000 to Exposure

151.1 0.3 4.7 0.0 4,925.8 8.8 49,216.1 87.8

$399,999 Premium

2,947,731 2.5 5,017 0.0 8,502,850 7.3 101,140,712 87.0

Average

$19,511 $1,075 $1,726 $2,055

$400,000 to Exposure

40.0 0.2 1,848.6 8.1 19,961.0 87.9

$499,999 Premium

1,114,178 2.0 * 3,958,470 7.2 47,909,685 87.0

Average

$27,854 $2,141 $2,400

$500,000 and Exposure

34.1 0.1 1,744.2 7.5 19,734.5 84.7

Over Premium

850,152 1.0 * 5,422,426 6.6 68,672,827 83.3

Average

$24,943 $3,109 $3,480

Total Exposure

21,162.1 4.9 522.0 0.1 36,979.8 8.5 357,306.8 81.9

Premium

38,656,092 5.1 262,807 0.0 56,391,218 7.4 630,845,325 83.1

Average

$1,827 $503 $1,525 $1,766

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Table 4

Mississippi

HO-3 %DW % HO-1 % HO-2 %

78

Insurance

Range

$49,999 and Exposure

28.5 0.3 1,367.7 12.4 10,985.4 100.0

Under Premium

8,882 0.2 757,259 14.9 5,081,621 100.0

Average

$312 $554 $463

$50,000 to Exposure

1.1 0.0 2,713.9 22.9 11,842.5 100.0

$74,999 Premium

552 0.0 2,472,819 25.6 9,673,603 100.0

Average

$510 $911 $817

$75,000 to Exposure

10.0 0.1 2,613.8 15.6 16,776.1 100.0

$99,999 Premium

11,662 0.1 2,974,072 16.8 17,734,916 100.0

Average

$1,166 $1,138 $1,057

$100,000 to Exposure

44.1 0.2 2,344.1 8.0 29,208.5 100.0

$124,999 Premium

53,120 0.1 2,959,586 8.1 36,466,429 100.0

Average

$1,205 $1,263 $1,248

$125,000 to Exposure

196.8 0.5 1,319.9 3.3 40,401.0 100.0

$149,999 Premium

268,398 0.5 1,796,404 3.2 55,922,126 100.0

Average

$1,364 $1,361 $1,384

$150,000 to Exposure

337.8 0.7 883.2 1.9 46,067.8 100.0

$174,999 Premium

483,603 0.7 1,335,507 1.9 69,738,168 100.0

Average

$1,432 $1,512 $1,514

$175,000 to Exposure

504.3 1.1 433.3 1.0 45,518.3 100.0

$199,999 Premium

742,483 1.0 699,326 1.0 73,286,779 100.0

Average

$1,472 $1,614 $1,610

$200,000 to Exposure

2,637.6 2.0 435.5 0.3 133,382.7 100.0

$299,999 Premium

4,352,212 1.8 887,939 0.4 237,531,576 100.0

Average

$1,650 $2,039 $1,781

$300,000 to Exposure

1,682.4 3.0 69.3 0.1 56,049.3 100.0

$399,999 Premium

3,429,577 3.0 167,291 0.1 116,193,178 100.0

Average

$2,038 $2,413 $2,073

$400,000 to Exposure

830.8 3.7 30.8 0.1 22,711.2 100.0

$499,999 Premium

2,023,402 3.7 64,717 0.1 55,070,452 100.0

Average

$2,436 $2,099 $2,425

$500,000 and Exposure

1,770.1 7.6 20.0 0.1 23,302.8 100.0

Over Premium

7,465,833 9.1 69,690 0.1 82,480,928 100.0

Average

$4,218 $3,485 $3,540

Total Exposure

8,043.4 1.8 12,231.5 2.8 436,245.6 100.0

Premium

18,839,724 2.5 14,184,610 1.9 759,179,776 100.0

Average

$2,342 $1,160 $1,740

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Table 4

Mississippi

Total %HO-5 % HO-8 %

79

Insurance

Range

$49,999 and Exposure

4,671.4 61.5 60.3 0.8 66.4 0.9 751.8 9.9

Under Premium

1,401,941 52.6 19,741 0.7 47,182 1.8 634,634 23.8

Average

$300 $328 $710 $844

$50,000 to Exposure

4,054.2 33.8 376.6 3.1 1,124.4 9.4 3,734.4 31.1

$74,999 Premium

1,630,446 21.3 128,144 1.7 544,688 7.1 3,123,725 40.8

Average

$402 $340 $484 $836

$75,000 to Exposure

2,940.1 17.4 355.0 2.1 1,384.4 8.2 9,047.7 53.4

$99,999 Premium

1,483,609 10.9 136,325 1.0 810,433 6.0 7,948,098 58.5

Average

$505 $384 $585 $878

$100,000 to Exposure

1,997.3 6.2 485.6 1.5 2,092.6 6.5 23,461.6 72.9

$124,999 Premium

1,312,093 4.5 214,478 0.7 1,388,456 4.8 21,710,069 74.4

Average

$657 $442 $664 $925

$125,000 to Exposure

1,095.4 1.9 304.1 0.5 2,310.9 4.1 46,461.3 82.4

$149,999 Premium

761,253 1.4 145,491 0.3 1,788,544 3.2 45,589,017 81.7

Average

$695 $478 $774 $981

$150,000 to Exposure

946.3 1.0 322.2 0.4 3,885.7 4.3 74,810.1 82.1

$174,999 Premium

877,089 0.9 167,183 0.2 3,548,162 3.7 77,401,309 80.2

Average

$927 $519 $913 $1,035

$175,000 to Exposure

617.2 0.5 357.9 0.3 5,172.4 4.3 96,511.8 81.1

$199,999 Premium

643,046 0.5 184,692 0.1 5,321,474 4.0 104,996,188 78.8

Average

$1,042 $516 $1,029 $1,088

$200,000 to Exposure

1,313.6 0.3 679.8 0.1 22,753.2 4.7 379,581.5 79.1

$299,999 Premium

1,625,412 0.3 411,398 0.1 27,666,057 4.6 457,499,241 75.9

Average

$1,237 $605 $1,216 $1,205

$300,000 to Exposure

451.8 0.2 290.0 0.1 12,702.9 4.4 227,268.3 78.2

$399,999 Premium

668,809 0.2 194,758 0.0 18,754,409 4.5 313,523,046 74.7

Average

$1,480 $672 $1,476 $1,380

$400,000 to Exposure

168.5 0.1 73.5 0.1 5,470.2 4.0 107,932.1 78.6

$499,999 Premium

318,967 0.1 55,552 0.0 9,196,949 4.0 171,720,193 75.5

Average

$1,893 $756 $1,681 $1,591

$500,000 and Exposure

115.8 0.1 31.3 0.0 4,092.2 2.9 108,433.8 77.2

Over Premium

254,094 0.1 28,793 0.0 9,918,925 3.0 240,288,360 72.5

Average

$2,195 $919 $2,424 $2,216

Total Exposure

18,371.4 1.3 3,336.2 0.2 61,055.3 4.4 1,077,994.5 77.9

Premium

10,976,759 0.6 1,686,555 0.1 78,985,279 4.1 1,444,433,880 75.2

Average

$597 $506 $1,294 $1,340

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Missouri

HO-3 %DW % HO-1 % HO-2 %

80

Insurance

Range

$49,999 and Exposure

1,404.3 18.5 644.9 8.5 7,599.2 100.0

Under Premium

171,411 6.4 392,791 14.7 2,667,700 100.0

Average

$122 $609 $351

$50,000 to Exposure

556.7 4.6 2,165.4 18.0 12,011.7 100.0

$74,999 Premium

324,982 4.2 1,896,673 24.8 7,648,658 100.0

Average

$584 $876 $637

$75,000 to Exposure

631.2 3.7 2,578.0 15.2 16,936.3 100.0

$99,999 Premium

723,453 5.3 2,486,037 18.3 13,587,955 100.0

Average

$1,146 $964 $802

$100,000 to Exposure

1,916.0 6.0 2,216.5 6.9 32,169.5 100.0

$124,999 Premium

2,136,449 7.3 2,399,198 8.2 29,160,743 100.0

Average

$1,115 $1,082 $906

$125,000 to Exposure

4,972.7 8.8 1,250.6 2.2 56,395.0 100.0

$149,999 Premium

6,027,076 10.8 1,497,942 2.7 55,809,323 100.0

Average

$1,212 $1,198 $990

$150,000 to Exposure

10,155.4 11.2 957.6 1.1 91,077.2 100.0

$174,999 Premium

13,310,942 13.8 1,205,914 1.2 96,510,599 100.0

Average

$1,311 $1,259 $1,060

$175,000 to Exposure

15,824.7 13.3 548.3 0.5 119,032.3 100.0

$199,999 Premium

21,424,395 16.1 739,518 0.6 133,309,313 100.0

Average

$1,354 $1,349 $1,120

$200,000 to Exposure

74,539.1 15.5 789.7 0.2 479,656.8 100.0

$299,999 Premium

114,442,653 19.0 1,223,947 0.2 602,868,708 100.0

Average

$1,535 $1,550 $1,257

$300,000 to Exposure

49,833.3 17.1 174.5 0.1 290,720.8 100.0

$399,999 Premium

86,467,552 20.6 367,070 0.1 419,975,644 100.0

Average

$1,735 $2,104 $1,445

$400,000 to Exposure

23,632.8 17.2 63.8 0.0 137,340.9 100.0

$499,999 Premium

45,998,551 20.2 161,821 0.1 227,452,033 100.0

Average

$1,946 $2,535 $1,656

$500,000 and Exposure

27,686.8 19.7 44.5 0.0 140,404.4 100.0

Over Premium

80,572,365 24.3 198,200 0.1 331,260,737 100.0

Average

$2,910 $4,454 $2,359

Total Exposure

211,152.9 15.3 11,433.8 0.8 1,383,344.1 100.0

Premium

371,599,829 19.4 12,569,111 0.7 1,920,251,413 100.0

Average

$1,760 $1,099 $1,388

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Missouri

Total %HO-5 % HO-8 %

81

Insurance

Range

$49,999 and Exposure

284.1 55.6 6.0 1.2 2.0 0.4 41.1 8.0

Under Premium

204,228 75.5 1,276 0.5 328 0.1 26,529 9.8

Average

$719 $213 $164 $646

$50,000 to Exposure

178.5 29.6 41.0 6.8 32.0 5.3 192.8 32.0

$74,999 Premium

94,882 31.4 9,204 3.0 10,132 3.4 131,347 43.4

Average

$532 $224 $317 $681

$75,000 to Exposure

169.6 14.3 86.0 7.3 48.8 4.1 725.3 61.3

$99,999 Premium

89,441 11.6 25,463 3.3 20,502 2.7 544,557 70.9

Average

$527 $296 $420 $751

$100,000 to Exposure

221.3 6.6 146.8 4.4 148.0 4.4 2,512.6 74.6

$124,999 Premium

135,403 5.0 49,616 1.8 86,592 3.2 2,137,579 79.5

Average

$612 $338 $585 $851

$125,000 to Exposure

192.8 2.8 164.4 2.3 307.4 4.4 5,649.8 80.6

$149,999 Premium

114,208 1.8 64,372 1.0 221,037 3.4 5,412,062 83.3

Average

$592 $392 $719 $958

$150,000 to Exposure

172.8 1.3 182.6 1.4 583.6 4.6 10,363.4 81.0

$174,999 Premium

134,159 1.0 76,355 0.6 515,418 3.9 10,801,057 82.1

Average

$777 $418 $883 $1,042

$175,000 to Exposure

153.1 0.9 190.0 1.1 756.0 4.4 13,862.5 80.3

$199,999 Premium

118,633 0.6 93,594 0.5 785,123 4.0 15,593,691 80.3

Average

$775 $493 $1,039 $1,125

$200,000 to Exposure

435.4 0.5 312.0 0.4 3,539.2 4.5 62,798.8 79.2

$299,999 Premium

381,335 0.4 180,133 0.2 4,615,127 4.5 80,179,086 77.6

Average

$876 $577 $1,304 $1,277

$300,000 to Exposure

203.8 0.4 96.2 0.2 1,817.0 3.6 39,299.4 78.8

$399,999 Premium

186,076 0.2 66,461 0.1 2,918,341 3.9 57,886,157 76.5

Average

$913 $691 $1,606 $1,473

$400,000 to Exposure

81.9 0.4 22.3 0.1 744.4 3.2 18,255.1 79.1

$499,999 Premium

85,347 0.2 18,352 0.0 1,331,913 3.3 31,104,356 76.8

Average

$1,042 $825 $1,789 $1,704

$500,000 and Exposure

109.4 0.4 8.8 0.0 634.8 2.2 21,224.1 75.0

Over Premium

108,898 0.1 8,092 0.0 1,607,904 2.1 53,469,192 69.4

Average

$995 $925 $2,533 $2,519

Total Exposure

2,202.7 1.0 1,256.0 0.6 8,613.3 3.9 174,924.9 78.4

Premium

1,652,610 0.5 592,918 0.2 12,112,417 3.6 257,285,613 75.8

Average

$750 $472 $1,406 $1,471

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Montana

HO-3 %DW % HO-1 % HO-2 %

82

Insurance

Range

$49,999 and Exposure

64.6 12.6 113.0 22.1 510.8 100.0

Under Premium

6,737 2.5 31,538 11.7 270,636 100.0

Average

$104 $279 $530

$50,000 to Exposure

22.1 3.7 136.6 22.7 603.0 100.0

$74,999 Premium

6,281 2.1 50,486 16.7 302,332 100.0

Average

$284 $370 $501

$75,000 to Exposure

39.9 3.4 113.3 9.6 1,182.8 100.0

$99,999 Premium

27,132 3.5 60,794 7.9 767,889 100.0

Average

$680 $537 $649

$100,000 to Exposure

251.3 7.5 87.0 2.6 3,367.0 100.0

$124,999 Premium

220,764 8.2 58,530 2.2 2,688,484 100.0

Average

$878 $673 $798

$125,000 to Exposure

660.1 9.4 35.2 0.5 7,009.8 100.0

$149,999 Premium

658,695 10.1 25,272 0.4 6,495,646 100.0

Average

$998 $719 $927

$150,000 to Exposure

1,465.0 11.4 32.7 0.3 12,800.0 100.0

$174,999 Premium

1,595,999 12.1 29,575 0.2 13,152,563 100.0

Average

$1,089 $905 $1,028

$175,000 to Exposure

2,283.7 13.2 11.0 0.1 17,256.3 100.0

$199,999 Premium

2,825,705 14.5 9,691 0.0 19,426,437 100.0

Average

$1,237 $881 $1,126

$200,000 to Exposure

12,163.3 15.3 31.1 0.0 79,279.8 100.0

$299,999 Premium

17,867,823 17.3 40,283 0.0 103,263,787 100.0

Average

$1,469 $1,296 $1,303

$300,000 to Exposure

8,425.3 16.9 2.0 0.0 49,843.7 100.0

$399,999 Premium

14,560,951 19.3 3,552 0.0 75,621,538 100.0

Average

$1,728 $1,776 $1,517

$400,000 to Exposure

3,983.9 17.3 23,087.6 100.0

$499,999 Premium

7,973,100 19.7 * 40,513,068 100.0

Average

$2,001 $1,755

$500,000 and Exposure

6,317.3 22.3 2.0 0.0 28,296.4 100.0

Over Premium

21,878,239 28.4 11,399 0.0 77,083,724 100.0

Average

$3,463 $5,700 $2,724

Total Exposure

35,676.4 16.0 563.8 0.3 223,237.0 100.0

Premium

67,621,426 19.9 321,120 0.1 339,586,104 100.0

Average

$1,895 $570 $1,521

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Montana

Total %HO-5 % HO-8 %

83

Insurance

Range

$49,999 and Exposure

807.0 23.7 87.3 2.6 842.9 24.7 1,238.4 36.3

Under Premium

356,097 19.9 12,637 0.7 488,377 27.3 762,234 42.5

Average

$441 $145 $579 $615

$50,000 to Exposure

759.0 18.6 46.1 1.1 1,018.3 25.0 1,873.5 45.9

$74,999 Premium

432,107 13.2 27,973 0.9 763,530 23.4 1,629,338 50.0

Average

$569 $607 $750 $870

$75,000 to Exposure

683.3 9.6 37.2 0.5 1,652.8 23.2 4,422.5 62.1

$99,999 Premium

489,047 7.1 25,229 0.4 1,505,330 21.9 4,429,063 64.3

Average

$716 $679 $911 $1,001

$100,000 to Exposure

741.0 4.7 19.0 0.1 2,103.2 13.2 12,436.4 78.1

$124,999 Premium

625,842 3.5 16,143 0.1 2,248,649 12.6 14,054,416 78.9

Average

$845 $850 $1,069 $1,130

$125,000 to Exposure

577.4 1.9 14.8 0.0 2,900.3 9.6 25,349.3 83.6

$149,999 Premium

528,788 1.4 17,182 0.0 3,447,711 9.3 31,108,324 83.5

Average

$916 $1,158 $1,189 $1,227

$150,000 to Exposure

568.4 1.2 10.3 0.0 4,096.4 8.8 38,644.8 83.1

$174,999 Premium

583,965 0.9 11,750 0.0 5,260,400 8.4 51,569,229 82.7

Average

$1,027 $1,137 $1,284 $1,334

$175,000 to Exposure

348.3 0.6 4.0 0.0 4,726.8 8.6 44,951.9 82.1

$199,999 Premium

401,841 0.5 5,228 0.0 6,609,341 8.4 63,957,933 81.3

Average

$1,154 $1,307 $1,398 $1,423

$200,000 to Exposure

677.9 0.4 4.3 0.0 13,828.2 8.2 137,424.8 81.2

$299,999 Premium

830,088 0.3 9,519 0.0 21,953,266 8.0 220,508,087 80.4

Average

$1,224 $2,240 $1,588 $1,605

$300,000 to Exposure

216.6 0.3 1.0 0.0 5,762.8 7.2 65,272.2 81.1

$399,999 Premium

235,394 0.2 1,574 0.0 11,141,096 7.2 123,387,251 80.3

Average

$1,087 $1,574 $1,933 $1,890

$400,000 to Exposure

102.6 0.3 1,893.8 5.6 27,802.1 82.6

$499,999 Premium

87,918 0.1 * 4,047,084 5.4 61,797,739 82.5

Average

$857 $2,137 $2,223

$500,000 and Exposure

70.9 0.3 1.0 0.0 1,456.6 5.2 22,945.9 81.7

Over Premium

84,192 0.1 641 0.0 4,396,805 5.0 70,847,533 80.9

Average

$1,187 $641 $3,019 $3,088

Total Exposure

5,552.5 1.2 225.0 0.0 40,282.0 8.5 382,361.7 80.7

Premium

4,655,279 0.6 127,876 0.0 61,861,589 7.7 644,051,147 80.6

Average

$838 $568 $1,536 $1,684

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Nebraska

HO-2 HO-3 %DW % HO-1 % %

84

Insurance

Range

$49,999 and Exposure

60.0 1.8 371.9 10.9 3,407.6 100.0

Under Premium

8,332 0.5 164,274 9.2 1,791,951 100.0

Average

$139 $442 $526

$50,000 to Exposure

16.4 0.4 365.5 9.0 4,078.8 100.0

$74,999 Premium

13,449 0.4 395,234 12.1 3,261,631 100.0

Average

$819 $1,081 $800

$75,000 to Exposure

44.0 0.6 284.8 4.0 7,124.5 100.0

$99,999 Premium

47,358 0.7 389,371 5.7 6,885,398 100.0

Average

$1,076 $1,367 $966

$100,000 to Exposure

414.8 2.6 212.7 1.3 15,927.0 100.0

$124,999 Premium

543,118 3.0 334,665 1.9 17,822,833 100.0

Average

$1,310 $1,574 $1,119

$125,000 to Exposure

1,413.5 4.7 81.1 0.3 30,336.4 100.0

$149,999 Premium

2,034,981 5.5 134,332 0.4 37,271,318 100.0

Average

$1,440 $1,657 $1,229

$150,000 to Exposure

3,117.4 6.7 76.5 0.2 46,513.8 100.0

$174,999 Premium

4,819,651 7.7 143,102 0.2 62,388,097 100.0

Average

$1,546 $1,871 $1,341

$175,000 to Exposure

4,681.3 8.6 34.2 0.1 54,746.6 100.0

$199,999 Premium

7,640,840 9.7 71,229 0.1 78,686,412 100.0

Average

$1,632 $2,085 $1,437

$200,000 to Exposure

17,330.3 10.2 41.7 0.0 169,307.1 100.0

$299,999 Premium

30,953,530 11.3 100,298 0.0 274,354,788 100.0

Average

$1,786 $2,407 $1,620

$300,000 to Exposure

9,204.3 11.4 7.8 0.0 80,464.6 100.0

$399,999 Premium

18,892,241 12.3 25,556 0.0 153,683,112 100.0

Average

$2,053 $3,262 $1,910

$400,000 to Exposure

3,860.1 11.5 2.6 0.0 33,661.1 100.0

$499,999 Premium

8,945,722 11.9 9,851 0.0 74,888,314 100.0

Average

$2,317 $3,813 $2,225

$500,000 and Exposure

3,600.4 12.8 1.0 0.0 28,075.8 100.0

Over Premium

12,290,622 14.0 3,770 0.0 87,623,563 100.0

Average

$3,414 $3,770 $3,121

Total Exposure

43,742.5 9.2 1,479.7 0.3 473,643.3 100.0

Premium

86,189,844 10.8 1,771,682 0.2 798,657,417 100.0

Average

$1,970 $1,197 $1,686

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Nebraska

HO-8 %% Total %HO-5

85

Insurance

Range

$49,999 and Exposure

126.2 58.7 13.0 6.0

Under Premium

60,701 72.6 * * 2,748 3.3

Average

$481 $211

$50,000 to Exposure

44.2 39.3 2.0 1.8 43.4 38.6

$74,999 Premium

59,709 70.7 272 0.3 * 19,724 23.3

Average

$1,352 $136 $454

$75,000 to Exposure

58.5 19.5 9.0 3.0 7.2 2.4 190.0 63.4

$99,999 Premium

33,454 25.1 1,308 1.0 3,742 2.8 81,516 61.1

Average

$572 $145 $522 $429

$100,000 to Exposure

118.9 7.0 5.0 0.3 22.1 1.3 1,357.3 79.5

$124,999 Premium

72,685 9.0 695 0.1 10,690 1.3 622,819 77.3

Average

$611 $139 $484 $459

$125,000 to Exposure

168.8 3.2 18.3 0.3 120.1 2.2 4,357.6 81.6

$149,999 Premium

80,615 2.8 2,965 0.1 62,091 2.2 2,337,418 82.0

Average

$478 $162 $517 $536

$150,000 to Exposure

233.6 1.9 27.5 0.2 470.1 3.8 10,096.4 81.5

$174,999 Premium

124,193 1.7 7,569 0.1 290,085 3.9 6,028,808 81.5

Average

$532 $275 $617 $597

$175,000 to Exposure

283.8 1.2 20.0 0.1 1,188.8 5.1 18,477.0 78.6

$199,999 Premium

144,611 1.0 4,561 0.0 763,712 5.1 11,756,333 78.9

Average

$510 $228 $642 $636

$200,000 to Exposure

951.8 0.5 42.3 0.0 16,191.8 7.8 159,618.1 76.4

$299,999 Premium

621,093 0.4 9,727 0.0 12,098,974 8.1 111,692,240 75.1

Average

$653 $230 $747 $700

$300,000 to Exposure

516.7 0.3 27.0 0.0 14,194.2 7.8 139,492.3 76.3

$399,999 Premium

373,212 0.3 9,084 0.0 12,362,737 8.3 110,395,227 74.0

Average

$722 $336 $871 $791

$400,000 to Exposure

207.2 0.2 15.8 0.0 5,879.1 6.6 67,787.3 76.1

$499,999 Premium

165,927 0.2 6,142 0.0 5,933,009 7.0 62,317,760 73.8

Average

$801 $388 $1,009 $919

$500,000 and Exposure

170.4 0.2 4.8 0.0 6,949.1 6.8 75,896.1 73.9

Over Premium

258,693 0.2 1,557 0.0 10,504,454 6.8 106,459,520 68.8

Average

$1,518 $322 $1,512 $1,403

Total Exposure

2,879.9 0.5 171.8 0.0 45,019.9 7.2 477,328.4 76.1

Premium

1,994,893 0.4 43,880 0.0 42,026,464 7.5 411,714,113 73.1

Average

$693 $255 $934 $863

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

HO-3

Nevada

%DW % HO-1 % HO-2 %

86

Insurance

Range

$49,999 and Exposure

55.9 26.0 21.0 9.8 215.1 100.0

Under Premium

11,196 13.4 9,454 11.3 83,638 100.0

Average

$200 $450 $389

$50,000 to Exposure

5.8 5.1 18.6 16.5 112.4 100.0

$74,999 Premium

1,714 2.0 5,624 6.7 84,474 100.0

Average

$298 $303 $751

$75,000 to Exposure

15.8 5.3 19.5 6.5 299.9 100.0

$99,999 Premium

6,480 4.9 7,006 5.2 133,506 100.0

Average

$411 $359 $445

$100,000 to Exposure

172.2 10.1 32.2 1.9 1,707.6 100.0

$124,999 Premium

81,821 10.2 16,603 2.1 805,313 100.0

Average

$475 $516 $472

$125,000 to Exposure

637.7 11.9 39.5 0.7 5,341.9 100.0

$149,999 Premium

341,939 12.0 25,156 0.9 2,850,184 100.0

Average

$536 $637 $534

$150,000 to Exposure

1,524.5 12.3 43.7 0.4 12,395.8 100.0

$174,999 Premium

913,376 12.3 33,185 0.4 7,397,216 100.0

Average

$599 $760 $597

$175,000 to Exposure

3,518.8 15.0 23.9 0.1 23,512.3 100.0

$199,999 Premium

2,212,941 14.9 18,813 0.1 14,900,971 100.0

Average

$629 $787 $634

$200,000 to Exposure

32,039.6 15.3 58.6 0.0 208,902.2 100.0

$299,999 Premium

24,227,438 16.3 48,235 0.0 148,697,707 100.0

Average

$756 $823 $712

$300,000 to Exposure

28,671.8 15.7 19.8 0.0 182,921.8 100.0

$399,999 Premium

26,010,372 17.4 19,426 0.0 149,170,058 100.0

Average

$907 $979 $815

$400,000 to Exposure

15,182.5 17.0 7.8 0.0 89,079.7 100.0

$499,999 Premium

16,048,038 19.0 8,640 0.0 84,479,516 100.0

Average

$1,057 $1,103 $948

$500,000 and Exposure

19,699.6 19.2 5.4 0.0 102,725.4 100.0

Over Premium

37,584,816 24.3 13,803 0.0 154,822,843 100.0

Average

$1,908 $2,548 $1,507

Total Exposure

101,523.9 16.2 290.0 0.0 627,213.9 100.0

Premium

107,440,131 19.1 205,945 0.0 563,425,426 100.0

Average

$1,058 $710 $898

Table 4

%

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Nevada

TotalHO-5 % HO-8 %

87

Insurance

Range

$49,999 and Exposure

128.3 42.7 42.1 14.0 18.2 6.0 54.1 18.0

Under Premium

42,732 43.7 18,426 18.8 7,626 7.8 19,871 20.3

Average

$333 $438 $420 $367

$50,000 to Exposure

142.5 30.7 36.8 7.9 53.2 11.5 188.4 40.6

$74,999 Premium

49,653 26.4 21,705 11.5 27,554 14.6 73,181 38.9

Average

$348 $589 $518 $388

$75,000 to Exposure

107.0 13.8 34.2 4.4 102.8 13.2 493.3 63.6

$99,999 Premium

46,352 11.3 23,641 5.8 58,767 14.3 262,666 64.1

Average

$433 $692 $572 $532

$100,000 to Exposure

191.6 9.8 19.7 1.0 120.4 6.2 1,531.3 78.4

$124,999 Premium

87,914 7.6 14,865 1.3 71,971 6.2 920,536 79.6

Average

$459 $756 $598 $601

$125,000 to Exposure

147.5 3.9 11.0 0.3 190.8 5.0 3,318.6 86.9

$149,999 Premium

75,651 3.0 8,753 0.3 116,073 4.6 2,208,410 87.7

Average

$513 $796 $609 $665

$150,000 to Exposure

216.5 2.6 20.0 0.2 338.2 4.1 7,298.0 88.4

$174,999 Premium

118,365 2.0 17,799 0.3 204,578 3.5 5,220,171 89.4

Average

$547 $890 $605 $715

$175,000 to Exposure

168.4 1.2 14.3 0.1 638.3 4.5 12,757.1 89.4

$199,999 Premium

110,346 1.0 12,236 0.1 384,746 3.6 9,754,086 90.2

Average

$655 $859 $603 $765

$200,000 to Exposure

518.8 0.5 21.9 0.0 4,506.3 4.3 92,337.2 87.8

$299,999 Premium

387,366 0.4 22,842 0.0 3,229,817 3.6 80,009,779 88.4

Average

$747 $1,042 $717 $866

$300,000 to Exposure

285.8 0.3 7.0 0.0 3,574.9 3.7 83,345.8 86.6

$399,999 Premium

239,973 0.2 9,776 0.0 3,205,968 3.3 85,591,955 87.2

Average

$840 $1,397 $897 $1,027

$400,000 to Exposure

124.3 0.2 6.0 0.0 1,530.8 3.0 43,788.3 85.9

$499,999 Premium

133,163 0.2 9,946 0.0 1,700,575 2.7 53,418,752 86.3

Average

$1,072 $1,658 $1,111 $1,220

$500,000 and Exposure

132.9 0.2 3.3 0.0 1,164.9 2.2 44,168.2 82.0

Over Premium

135,994 0.1 6,584 0.0 1,864,154 1.9 77,699,323 80.6

Average

$1,023 $2,026 $1,600 $1,759

Total Exposure

2,163.6 0.6 216.2 0.1 12,238.6 3.6 289,280.1 86.1

Premium

1,427,509 0.4 166,573 0.0 10,871,829 3.0 315,178,730 85.6

Average

$660 $771 $888 $1,090

Table 4

% HO-1 %

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

New Hampshire

HO-3 %DW HO-2 %

88

Insurance

Range

$49,999 and Exposure

35.5 11.8 22.3 7.4 300.4 100.0

Under Premium

5,091 5.2 4,020 4.1 97,766 100.0

Average

$143 $181 $325

$50,000 to Exposure

14.4 3.1 28.4 6.1 463.8 100.0

$74,999 Premium

4,799 2.6 11,192 6.0 188,084 100.0

Average

$333 $394 $406

$75,000 to Exposure

7.8 1.0 30.8 4.0 775.8 100.0

$99,999 Premium

4,597 1.1 13,979 3.4 410,002 100.0

Average

$587 $455 $528

$100,000 to Exposure

54.4 2.8 36.8 1.9 1,954.1 100.0

$124,999 Premium

36,884 3.2 24,841 2.1 1,157,011 100.0

Average

$678 $676 $592

$125,000 to Exposure

133.8 3.5 16.1 0.4 3,817.8 100.0

$149,999 Premium

94,510 3.8 13,834 0.5 2,517,231 100.0

Average

$706 $860 $659

$150,000 to Exposure

354.2 4.3 25.2 0.3 8,252.0 100.0

$174,999 Premium

254,290 4.4 24,129 0.4 5,839,332 100.0

Average

$718 $959 $708

$175,000 to Exposure

679.6 4.8 13.9 0.1 14,271.5 100.0

$199,999 Premium

528,965 4.9 18,300 0.2 10,808,679 100.0

Average

$778 $1,315 $757

$200,000 to Exposure

7,763.1 7.4 38.4 0.0 105,185.8 100.0

$299,999 Premium

6,780,691 7.5 55,883 0.1 90,486,378 100.0

Average

$873 $1,455 $860

$300,000 to Exposure

8,992.3 9.3 6.5 0.0 96,212.3 100.0

$399,999 Premium

9,107,356 9.3 12,713 0.0 98,167,741 100.0

Average

$1,013 $1,956 $1,020

$400,000 to Exposure

5,541.3 10.9 3.0 0.0 50,993.6 100.0

$499,999 Premium

6,666,506 10.8 4,805 0.0 61,933,747 100.0

Average

$1,203 $1,602 $1,215

$500,000 and Exposure

8,402.5 15.6 0.8 0.0 53,872.6 100.0

Over Premium

16,682,742 17.3 1,209 0.0 96,390,006 100.0

Average

$1,985 $1,451 $1,789

Total Exposure

31,979.0 9.5 222.1 0.1 336,099.5 100.0

Premium

40,166,431 10.9 184,905 0.1 367,995,977 100.0

Average

$1,256 $833 $1,095

Table 4

%HO-5 % HO-8 %

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

New Hampshire

Total

89

Insurance

Range

$49,999 and Exposure

880.3

4.

3

U

nder Premium

341,184

* 1,

499

*

A

verage

$388

$346

$50,000 to Exposure

1,214.8 67.8

447.

5 25.0

$74,999 Premium

506,589 75.3 *

* 145,

846 21.7

Average

$417

$326

$75,000 to Exposure

998.3 66.4

15.

9 1.1 484.7 32.2

$99,999 Premium

529,842 64.0 *

9,

556 1.2 284,564 34.4

Average

$531

$600 $587

$100,000 to Exposure

1,026.2 36.9

65.

3 2.3 1,536.8 55.2

$124,999 Premium

715,242 44.5 *

43,

062 2.7 817,638 50.9

Average

$697

$659 $532

$125,000 to Exposure

577.7 10.9

229.

7 4.3 4,205.0 79.4

$149,999 Premium

422,241 11.9 *

153,

792 4.3 2,755,693 77.4

Average

$731

$670 $655

$150,000 to Exposure

816.8 5.6

692.

2 4.8 12,146.8 83.5

$174,999 Premium

629,957 5.8 *

487,

637 4.5 8,987,198 82.9

Average

$771

$705 $740

$175,000 to Exposure

667.0 2.4

1,

543.4 5.6 23,363.5 85.2

$199,999 Premium

552,598 2.5 *

1,

133,578 5.1 18,884,165 85.0

Average

$828

$734 $808

$200,000 to Exposure

2,803.5 1.0 2.7 0.0 23,087.3 7.9 245,058.1 83.6

$299,999 Premium

2,353,220 0.8 2,303 0.0 19,340,062 6.9 234,284,148 84.0

Average

$839

$864 $838 $956

$300,000 to Exposure

1,936.8 0.4 1.0 0.0 41,290.2 9.1 373,177.2 82.3

$399,999 Premium

1,634,643 0.3 922 0.0 40,927,809 8.1 418,027,514 82.6

Average

$844

$922 $991 $1,

120

$400,000 to Exposure

1,045.0 0.3 1.0 0.0 32,323.3 9.3 281,930.4 81.4

$499,999 Premium

936,992 0.2 1,289 0.0 37,419,248 8.3 369,796,097 81.9

Average

$897

$1,

289

$1,

158

$1,

312

$500,000 and Exposure

1,124.6 0.2

51,

258.8 9.9 394,848.3 76.2

Over Premium

1,100,281 0.1 *

77,

891,872 8.1 716,626,815 74.2

Average

$978

$1,

520

$1,

815

Total Exposure

13,091.0 0.8 4.7 0.0 150,510.3 9.0 1,344,752.8 80.3

Premium

9,722,789 0.4 4,514 0.0 177,408,271 8.0 1,760,728,673 78.9

Average

$743

$967 $1,

179

$1,

309

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

New Jersey

2021 Average Premium by Amount of Insurance

Table 4

HO-3 %DW % HO-1 % HO-2 %

90

Negative and zero exposures and premiums are denoted by an as

terisk in Table 4. All exposure and premium amounts, including those that are

negative, are included within the Table 4 totals.

Insurance

Range

$49,999 and Exposure

1.

0

U

nder Premium

*

48 *

A

verage

$48

$50,000 to Exposure

120.3 6.7 10.0 0.6 1,792.5 100.0

$74,999 Premium

16,392 2.4 3,958 0.6 672,941 100.0

Average

$136

$396 $375

$75,000 to Exposure

3.5 0.2 2.2 0.1 1,504.6 100.0

$99,999 Premium

2,341 0.3 2,009 0.2 828,312 100.0

Average

$669

$927 $551

$100,000 to Exposure

150.7 5.4 4.0 0.1 2,783.0 100.0

$124,999 Premium

27,736 1.7 3,129 0.2 1,606,807 100.0

Average

$184

$782 $577

$125,000 to Exposure

278.6 5.3 8.0 0.2 5,298.9 100.0

$149,999 Premium

219,858 6.2 8,856 0.2 3,560,440 100.0

Average

$789

$1,

107

$672

$150,000 to Exposure

896.8 6.2 3.0 0.0 14,555.5 100.0

$174,999 Premium

736,282 6.8 3,367 0.0 10,844,441 100.0

Average

$821

$1,

122

$745

$175,000 to Exposure

1,831.3 6.7 5.0 0.0 27,410.2 100.0

$199,999 Premium

1,637,936 7.4 6,709 0.0 22,214,986 100.0

Average

$894

$1,

342

$810

$200,000 to Exposure

22,191.8 7.6 9.1 0.0 293,152.5 100.0

$299,999 Premium

22,977,516 8.2 13,705 0.0 278,970,954 100.0

Average

$1,035

$1,

509

$952

$300,000 to Exposure

36,965.7 8.2 2.4 0.0 453,373.3 100.0

$399,999 Premium

45,224,683 8.9 4,914 0.0 505,820,485 100.0

Average

$1,223

$2,

033

$1,

116

$400,000 to Exposure

30,998.8 9.0

346,

298.5 100.0

$499,999 Premium

43,408,767 9.6 *

451,

562,393 100.0

Average

$1,400

$1,

304

$500,000 and Exposure

70,974.2 13.7 3.9 0.0 518,209.8 100.0

Over Premium

169,734,881 17.6 13,617 0.0 965,367,466 100.0

Average

$2,392

$3,

477

$1,

863

Total Exposure

165,940.3 9.9 48.6 0.0 1,674,347.7 100.0

Premium

282,324,008 12.7 60,312 0.0 2,230,248,567 100.0

Average

$1,701

$1,

241

$1,

332

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

New Jersey

2021 Average Premium by Amount of Insurance

Table 4

%HO-5 % HO-8 % Total

91

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.

Insurance

Range

$49,999 and Exposure

189.2 16.0 345.4 29.2 633.9 53.5

Under Premium

222,632 23.5 * 251,343 26.6 469,053 49.6

Average

$1,177 $728 $740

$50,000 to Exposure

124.7 9.5 282.1 21.6 896.5 68.7

$74,999 Premium

115,187 10.6 * 271,448 24.9 702,326 64.5

Average

$924 $962 $783

$75,000 to Exposure

163.5 5.5 416.5 14.1 2,322.5 78.7

$99,999 Premium

119,305 4.7 * 422,889 16.7 1,954,943 77.1

Average

$730 $1,015 $842

$100,000 to Exposure

288.3 3.2 898.3 10.0 7,337.8 81.7

$124,999 Premium

223,884 2.8 * 854,860 10.8 6,466,221 81.5

Average

$776 $952 $881

$125,000 to Exposure

404.6 2.0 2,221.4 11.1 15,376.7 77.1

$149,999 Premium

319,607 1.8 * 2,081,260 11.4 14,074,271 77.2

Average

$790 $937 $915

$150,000 to Exposure

443.8 1.4 1.0 0.0 3,314.2 10.3 24,446.6 75.6

$174,999 Premium

369,094 1.2 678 0.0 3,104,392 10.2 22,886,125 75.4

Average

$832 $678 $937 $936

$175,000 to Exposure

405.7 1.0 3,891.7 9.8 29,473.6 74.0

$199,999 Premium

341,928 0.9 * 3,762,846 9.6 28,824,923 73.8

Average

$843 $967 $978

$200,000 to Exposure

1,311.6 0.9 11,151.2 7.6 109,876.3 74.4

$299,999 Premium

1,103,428 0.7 * 12,020,305 7.4 119,264,208 73.7

Average

$841 $1,078 $1,085

$300,000 to Exposure

574.0 0.7 4,164.8 5.3 60,509.7 77.3

$399,999 Premium

503,067 0.5 * 5,241,206 5.1 78,245,482 76.8

Average

$876 $1,258 $1,293

$400,000 to Exposure

182.3 0.5 1,657.7 4.7 27,438.1 78.2

$499,999 Premium

188,669 0.4 * 2,326,429 4.4 40,966,857 77.5

Average

$1,035 $1,403 $1,493

$500,000 and Exposure

114.5 0.3 2,137.0 5.1 32,044.9 75.8

Over Premium

189,258 0.2 * 3,967,360 4.3 67,725,437 73.5

Average

$1,653 $1,857 $2,113

Total Exposure

4,202.1 1.0 1.0 0.0 30,480.3 7.4 310,356.6 75.7

Premium

3,696,059 0.7 678 0.0 34,304,338 6.7 381,579,846 75.0

Average

$880 $678 $1,125 $1,229

Table 4

%

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

2021 Average Premium by Amount of Insurance

New Mexico

HO-2% HO-3 %DW % HO-1

92

Insurance

Range

$49,999 and Exposure

16.4 1.4 1,184.9 100.0

Under Premium

2,679 0.3 * 945,707 100.0

Average

$163 $798

$50,000 to Exposure

2.6 0.2 1,305.6 100.0

$74,999 Premium

860 0.1 * 1,089,616 100.0

Average

$333 $835

$75,000 to Exposure

50.8 1.7 2,952.9 100.0

$99,999 Premium

39,882 1.6 * 2,536,721 100.0

Average

$786 $859

$100,000 to Exposure

459.6 5.1 8,982.2 100.0

$124,999 Premium

390,961 4.9 * 7,934,204 100.0

Average

$851 $883

$125,000 to Exposure

1,930.7 9.7 19,932.0 100.0

$149,999 Premium

1,765,895 9.7 * 18,240,024 100.0

Average

$915 $915

$150,000 to Exposure

4,119.7 12.7 32,322.3 100.0

$174,999 Premium

3,982,963 13.1 * 30,338,158 100.0

Average

$967 $939

$175,000 to Exposure

6,039.3 15.2 39,809.6 100.0

$199,999 Premium

6,131,716 15.7 * 39,060,606 100.0

Average

$1,015 $981

$200,000 to Exposure

25,300.8 17.1 147,636.0 100.0

$299,999 Premium

29,421,547 18.2 * 161,803,060 100.0

Average

$1,163 $1,096

$300,000 to Exposure

13,029.8 16.6 78,276.8 100.0

$399,999 Premium

17,960,403 17.6 * 101,946,823 100.0

Average

$1,378 $1,302

$400,000 to Exposure

5,811.2 16.6 35,089.3 100.0

$499,999 Premium

9,401,707 17.8 * 52,883,662 100.0

Average

$1,618 $1,507

$500,000 and Exposure

7,961.6 18.8 42,258.0 100.0

Over Premium

20,254,076 22.0 * 92,136,131 100.0

Average

$2,544 $2,180

Total Exposure

64,722.4 15.8 409,749.4 100.0

Premium

89,352,689 17.6 * 508,914,712 100.0

Average

$1,381 $1,242

Table 4

HO-5 % HO-8

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

New Mexico

% Total %

93

Insurance

Range

$49,999 and Exposure

2,711.3 77.0 473.8

Under Premium

233,793 17,176 159,983 *

Average

$86 $223 $338

$50,000 to Exposure

786.8 8.3 42.6 0.4 692.2 7.3 6,967.4 73.2

$74,999 Premium

347,517 9.2 13,672 0.4 335,273 8.9 2,713,498 71.7

Average

$442 $321 $484 $389

$75,000 to Exposure

585.2 6.0 26.3 0.3 792.0 8.1 7,687.2 79.1

$99,999 Premium

308,316 5.5 9,085 0.2 414,058 7.4 4,500,984 80.4

Average

$527 $345 $523 $586

$100,000 to Exposure

574.6 3.8 28.3 0.2 1,283.8 8.4 12,390.6 80.9

$124,999 Premium

362,863 4.0 10,876 0.1 727,696 7.9 7,501,975 81.9

Average

$632 $384 $567 $605

$125,000 to Exposure

360.8 1.6 24.4 0.1 1,692.5 7.5 19,239.6 85.2

$149,999 Premium

232,180 1.7 10,813 0.1 935,640 6.9 11,721,924 86.6

Average

$643 $443 $553 $609

$150,000 to Exposure

447.5 1.0 34.2 0.1 3,418.2 7.7 37,685.3 84.8

$174,999 Premium

298,819 1.1 16,835 0.1 1,979,503 7.2 23,862,676 86.2

Average

$668 $493 $579 $633

$175,000 to Exposure

326.3 0.4 22.7 0.0 6,235.9 8.3 63,378.4 84.1

$199,999 Premium

202,427 0.4 11,524 0.0 3,625,244 7.5 41,475,618 86.0

Average

$620 $508 $581 $654

$200,000 to Exposure

3,319.8 0.6 57.0 0.0 66,148.9 11.4 465,941.9 80.4

$299,999 Premium

1,418,468 0.3 43,693 0.0 45,876,657 10.1 378,425,054 83.3

Average

$427 $767 $694 $812

$300,000 to Exposure

8,580.3 1.3 25.6 0.0 91,828.4 13.7 529,122.3 78.9

$399,999 Premium

3,052,313 0.4 24,937 0.0 90,571,119 12.0 628,414,405 83.1

Average

$356 $975 $986 $1,188

$400,000 to Exposure

7,139.7 1.4 13.2 0.0 76,258.8 15.3 390,720.3 78.6

$499,999 Premium

2,910,554 0.4 14,444 0.0 103,516,553 13.9 611,928,003 82.2

Average

$408 $1,097 $1,357 $1,566

$500,000 and Exposure

6,975.5 1.0 18.0 0.0 96,251.5 13.9 526,376.9 76.1

Over Premium

4,387,772 0.2 25,329 0.0 195,310,789 10.7 1,351,827,788 74.2

Average

$629 $1,407 $2,029 $2,568

Total Exposure

31,807.8 1.2 369.3 0.0 345,075.9 13.2 2,062,804.4 78.6

Premium

13,755,022 0.4 198,384 0.0 443,452,515 11.6 3,000,623,218 78.6

Average

$432 $537 $1,285 $1,455

Table 4

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

New York

DW % HO-1 %

2021 Average Premium by Amount of Insurance

HO-3 %HO-2 %

94

Insurance

Range

$49,999 and Exposure

298.9

Under Premium

* 73,881 *

Average

$247

$50,000 to Exposure

640.3 6.7 391.8 4.1 9,521.1 100.0

$74,999 Premium

158,103 4.2 218,763 5.8 3,786,826 100.0

Average

$247 $558 $398

$75,000 to Exposure

357.4 3.7 271.1 2.8 9,719.2 100.0

$99,999 Premium

177,914 3.2 184,949 3.3 5,595,306 100.0

Average

$498 $682 $576

$100,000 to Exposure

664.6 4.3 366.0 2.4 15,307.8 100.0

$124,999 Premium

286,528 3.1 273,975 3.0 9,163,913 100.0

Average

$431 $749 $599

$125,000 to Exposure

1,095.4 4.9 158.3 0.7 22,571.1 100.0

$149,999 Premium

525,776 3.9 114,677 0.8 13,541,010 100.0

Average

$480 $724 $600

$150,000 to Exposure

2,654.8 6.0 181.8 0.4 44,421.8 100.0

$174,999 Premium

1,350,211 4.9 161,820 0.6 27,669,864 100.0

Average

$509 $890 $623

$175,000 to Exposure

5,275.4 7.0 124.3 0.2 75,362.9 100.0

$199,999 Premium

2,801,256 5.8 107,272 0.2 48,223,341 100.0

Average

$531 $863 $640

$200,000 to Exposure

43,693.3 7.5 329.6 0.1 579,490.6 100.0

$299,999 Premium

28,010,236 6.2 317,925 0.1 454,092,033 100.0

Average

$641 $965 $784

$300,000 to Exposure

40,503.0 6.0 170.0 0.0 670,229.6 100.0

$399,999 Premium

34,357,647 4.5 219,782 0.0 756,640,203 100.0

Average

$848 $1,293 $1,129

$400,000 to Exposure

23,006.9 4.6 46.8 0.0 497,185.7 100.0

$499,999 Premium

26,314,917 3.5 87,763 0.0 744,772,234 100.0

Average

$1,144 $1,874 $1,498

$500,000 and Exposure

61,688.2 8.9 32.4 0.0 691,342.5 100.0

Over Premium

270,879,383 14.9 77,730 0.0 1,822,508,791 100.0

Average

$4,391 $2,398 $2,636

Total Exposure

180,761.8 6.9 2,371.1 0.1 2,623,190.3 100.0

Premium

359,660,639 9.4 1,838,537 0.0 3,819,528,315 100.0

Average

$1,990 $775 $1,456

Table 4

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

New York

2021 Average Premium by Amount of Insurance

Total %HO-5 % HO-8 %

95

Insurance

Range

$49,999 and Exposure

39,509.0 90.3 55.3 0.1 4,119.2 9.4

Under Premium

9,219,898 88.4 * 29,258 0.3 1,147,494 11.0

Average

$233 $529 $279

$50,000 to Exposure

29,506.5 88.9 1,167.7 3.5 1,914.0 5.8

$74,999 Premium

10,355,612 80.6 * 849,546 6.6 1,013,263 7.9

Average

$351 $728 $529

$75,000 to Exposure

23,858.4 66.7 6,116.7 17.1 5,140.9 14.4

$99,999 Premium

10,554,187 54.3 * 5,019,532 25.8 3,037,060 15.6

Average

$442 $821 $591

$100,000 to Exposure

20,245.8 32.6 12,715.4 20.5 27,917.1 45.0

$124,999 Premium

10,667,563 25.6 * 11,376,630 27.3 18,573,807 44.6

Average

$527 $895 $665

$125,000 to Exposure

14,025.3 12.4 14,577.0 12.9 83,641.7 73.9

$149,999 Premium

8,503,612 10.1 * 13,483,579 16.1 61,205,543 72.9

Average

$606 $925 $732

$150,000 to Exposure

11,795.2 6.9 12,420.4 7.3 145,566.8 85.2

$174,999 Premium

8,090,265 5.9 * 11,440,476 8.4 115,538,697 84.9

Average

$686 $921 $794

$175,000 to Exposure

7,505.6 3.8 10,089.1 5.1 177,395.3 90.4

$199,999 Premium

5,945,237 3.6 * 9,119,559 5.5 150,753,596 90.3

Average

$792 $904 $850

$200,000 to Exposure

17,699.6 2.6 25,614.4 3.7 638,540.3 93.0

$299,999 Premium

17,687,882 2.5 * 26,964,939 3.8 656,738,215 93.0

Average

$999 $1,053 $1,028

$300,000 to Exposure

7,190.7 1.9 12,340.3 3.2 362,500.4 93.9

$399,999 Premium

10,274,416 2.1 * 14,576,789 3.0 453,939,197 93.8

Average

$1,429 $1,181 $1,252

$400,000 to Exposure

3,082.3 1.6 6,486.6 3.4 176,598.8 93.4

$499,999 Premium

5,919,524 2.1 * 8,371,837 3.0 261,452,783 93.3

Average

$1,921 $1,291 $1,480

$500,000 and Exposure

3,183.3 1.3 2.0 0.0 10,531.8 4.4 216,287.6 90.2

Over Premium

8,456,069 1.6 5,734 0.0 15,854,170 3.0 469,863,445 89.8

Average

$2,656 $2,867 $1,505 $2,172

Total Exposure

177,601.7 8.2 2.0 0.0 112,114.8 5.2 1,839,621.9 85.3

Premium

105,674,265 4.3 5,734 0.0 117,086,315 4.8 2,193,263,100 89.0

Average

$595 $2,867 $1,044 $1,192

DW % HO-1 % HO-2 % HO-3 %

2021 Average Premium by Amount of Insurance

Table 4

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

North Carolina

96

Insurance

Range

$49,999 and Exposure

81.0 0.2 43,764.5 100.0

Under Premium

* 38,192 0.4 10,434,842 100.0

Average

$472 $238

$50,000 to Exposure

595.4 1.8 33,183.6 100.0

$74,999 Premium

* 633,062 4.9 12,851,483 100.0

Average

$1,063 $387

$75,000 to Exposure

6.8 0.0 629.8 1.8 35,752.6 100.0

$99,999 Premium

3,823 0.0 808,180 4.2 19,422,782 100.0

Average

$559 $1,283 $543

$100,000 to Exposure

44.6 0.1 1,163.5 1.9 62,086.4 100.0

$124,999 Premium

29,103 0.1 1,014,718 2.4 41,661,821 100.0

Average

$653 $872 $671

$125,000 to Exposure

174.3 0.2 809.2 0.7 113,227.5 100.0

$149,999 Premium

128,615 0.2 677,630 0.8 83,998,979 100.0

Average

$738 $837 $742

$150,000 to Exposure

385.2 0.2 761.9 0.4 170,929.4 100.0

$174,999 Premium

314,973 0.2 682,890 0.5 136,067,301 100.0

Average

$818 $896 $796

$175,000 to Exposure

684.3 0.3 499.8 0.3 196,174.0 100.0

$199,999 Premium

597,869 0.4 473,673 0.3 166,889,934 100.0

Average

$874 $948 $851

$200,000 to Exposure

3,801.9 0.6 629.8 0.1 686,286.1 100.0

$299,999 Premium

4,010,940 0.6 745,371 0.1 706,147,347 100.0

Average

$1,055 $1,183 $1,029

$300,000 to Exposure

3,794.9 1.0 126.7 0.0 385,953.0 100.0

$399,999 Premium

4,809,298 1.0 192,452 0.0 483,792,152 100.0

Average

$1,267 $1,519 $1,254

$400,000 to Exposure

2,928.1 1.5 29.3 0.0 189,124.9 100.0

$499,999 Premium

4,359,035 1.6 47,539 0.0 280,150,718 100.0

Average

$1,489 $1,625 $1,481

$500,000 and Exposure

9,857.5 4.1 20.4 0.0 239,882.7 100.0

Over Premium

28,912,121 5.5 73,386 0.0 523,164,925 100.0

Average

$2,933 $3,594 $2,181

Total Exposure

21,677.6 1.0 5,346.8 0.2 2,156,364.7 100.0

Premium

43,165,777 1.8 5,387,093 0.2 2,464,582,284 100.0

Average

$1,991 $1,008 $1,143

Table 4

HO-8 %

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

North Carolina

Total %HO-5 %

97

Insurance

Range

$49,999 and Exposure

116.3 12.5 265.8 28.5 48.1 5.2 351.5 37.7

Under Premium

36,297 10.7 14,597 4.3 28,877 8.5 225,966 66.4

Average

$312 $55 $601 $643

$50,000 to Exposure

75.3 13.0 5.0 0.9 60.0 10.4 348.6 60.3

$74,999 Premium

33,382 8.6 2,303 0.6 32,769 8.4 286,042 73.6

Average

$444 $461 $546 $821

$75,000 to Exposure

70.3 7.4 6.0 0.6 178.0 18.7 637.6 66.9

$99,999 Premium

40,223 5.1 5,448 0.7 128,103 16.4 564,872 72.2

Average

$572 $908 $720 $886

$100,000 to Exposure

61.2 2.8 5.0 0.2 341.2 15.7 1,656.3 76.4

$124,999 Premium

46,772 2.5 2,674 0.1 293,208 15.4 1,474,913 77.5

Average

$765 $535 $859 $891

$125,000 to Exposure

43.6 1.0 4.6 0.1 530.7 11.8 3,644.8 80.7

$149,999 Premium

34,687 0.8 4,092 0.1 483,074 11.1 3,542,480 81.4

Average

$796 $893 $910 $972

$150,000 to Exposure

48.3 0.6 2.0 0.0 697.7 8.9 6,257.6 79.9

$174,999 Premium

48,645 0.6 1,927 0.0 677,478 8.6 6,260,225 79.6

Average

$1,008 $964 $971 $1,000

$175,000 to Exposure

51.4 0.5 1.0 0.0 883.0 8.2 8,274.8 76.5

$199,999 Premium

49,706 0.4 1,202 0.0 915,061 7.9 8,820,105 76.1

Average

$967 $1,202 $1,036 $1,066

$200,000 to Exposure

158.2 0.3 0.8 0.0 3,122.1 6.3 35,371.7 71.7

$299,999 Premium

124,757 0.2 690 0.0 3,834,838 6.6 40,630,068 69.9

Average

$789 $920 $1,228 $1,149

$300,000 to Exposure

61.6 0.2 694.3 2.2 23,414.5 74.3

$399,999 Premium

34,058 0.1 * 1,035,815 2.5 29,500,666 70.6

Average

$553 $1,492 $1,260

$400,000 to Exposure

20.2 0.1 174.6 1.3 10,205.3 75.4

$499,999 Premium

13,005 0.1 * 298,537 1.4 15,496,882 72.3

Average

$645 $1,710 $1,519

$500,000 and Exposure

11.2 0.1 77.3 0.7 8,566.7 74.0

Over Premium

1,146 0.0 * 143,811 0.6 17,183,968 69.8

Average

$103 $1,862 $2,006

Total Exposure

717.3 0.5 290.2 0.2 6,806.8 5.1 98,729.3 73.8

Premium

462,678 0.3 32,933 0.0 7,871,571 4.5 123,986,187 71.6

Average

$645 $113 $1,156 $1,256

Table 4

DW % HO-1 % HO-2 % HO-3 %

North Dakota

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

98

Insurance

Range

$49,999 and Exposure

103.8 11.1 46.5 5.0 931.9 100.0

Under Premium

17,828 5.2 16,527 4.9 340,092 100.0

Average

$172 $355 $365

$50,000 to Exposure

33.5 5.8 56.1 9.7 578.4 100.0

$74,999 Premium

9,331 2.4 24,713 6.4 388,540 100.0

Average

$279 $441 $672

$75,000 to Exposure

15.1 1.6 45.8 4.8 952.8 100.0

$99,999 Premium

11,867 1.5 32,227 4.1 782,740 100.0

Average

$787 $704 $822

$100,000 to Exposure

60.0 2.8 45.1 2.1 2,168.7 100.0

$124,999 Premium

51,225 2.7 33,306 1.8 1,902,098 100.0

Average

$854 $739 $877

$125,000 to Exposure

264.3 5.9 27.7 0.6 4,515.6 100.0

$149,999 Premium

263,014 6.0 25,028 0.6 4,352,375 100.0

Average

$995 $905 $964

$150,000 to Exposure

801.8 10.2 22.3 0.3 7,829.7 100.0

$174,999 Premium

853,021 10.8 24,421 0.3 7,865,717 100.0

Average

$1,064 $1,093 $1,005

$175,000 to Exposure

1,599.8 14.8 13.8 0.1 10,823.8 100.0

$199,999 Premium

1,793,776 15.5 13,790 0.1 11,593,640 100.0

Average

$1,121 $997 $1,071

$200,000 to Exposure

10,649.4 21.6 21.7 0.0 49,323.8 100.0

$299,999 Premium

13,515,257 23.2 28,098 0.0 58,133,708 100.0

Average

$1,269 $1,297 $1,179

$300,000 to Exposure

7,325.1 23.3 3.4 0.0 31,498.9 100.0

$399,999 Premium

11,234,677 26.9 5,452 0.0 41,810,668 100.0

Average

$1,534 $1,596 $1,327

$400,000 to Exposure

3,135.5 23.2 2.0 0.0 13,537.6 100.0

$499,999 Premium

5,633,753 26.3 6,042 0.0 21,448,219 100.0

Average

$1,797 $3,021 $1,584

$500,000 and Exposure

2,917.8 25.2 11,572.8 100.0

Over Premium

7,298,123 29.6 * 24,627,048 100.0

Average

$2,501 $2,128

Total Exposure

26,905.9 20.1 284.3 0.2 133,733.9 100.0

Premium

40,681,872 23.5 209,604 0.1 173,244,845 100.0

Average

$1,512 $737 $1,295

Table 4

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

North Dakota

2021 Average Premium by Amount of Insurance

99

Insurance

Range

$49,999 and Exposure

8,646.8 35.5 95.7 0.4 692.4 2.8 2,065.3 8.5

Under Premium

5,562,767 63.7 37,593 0.4 355,439 4.1 902,401 10.3

Average

$643 $393 $513 $437

$50,000 to Exposure

3,570.1 23.2 43.0 0.3 1,813.1 11.8 6,014.9 39.1

$74,999 Premium

2,125,032 26.3 21,704 0.3 1,106,204 13.7 3,185,506 39.4

Average

$595 $505 $610 $530

$75,000 to Exposure

2,547.3 12.7 98.8 0.5 2,284.3 11.4 12,903.3 64.4

$99,999 Premium

1,910,639 15.5 37,222 0.3 1,502,072 12.2 7,340,553 59.5

Average

$750 $377 $658 $569

$100,000 to Exposure

2,223.2 4.4 114.3 0.2 4,442.1 8.8 37,670.9 75.0

$124,999 Premium

2,569,352 7.9 36,434 0.1 2,784,939 8.6 23,174,550 71.5

Average

$1,156 $319 $627 $615

$125,000 to Exposure

1,958.2 1.7 53.3 0.0 8,622.0 7.4 91,450.2 78.1

$149,999 Premium

2,038,000 2.6 21,832 0.0 5,405,323 6.9 60,618,939 77.7

Average

$1,041 $410 $627 $663

$150,000 to Exposure

2,061.3 1.0 21.8 0.0 17,601.1 8.4 159,809.0 76.4

$174,999 Premium

2,672,094 1.8 9,671 0.0 11,326,553 7.8 111,009,325 76.2

Average

$1,296 $445 $644 $695

$175,000 to Exposure

1,760.0 0.7 17.8 0.0 26,467.3 9.9 197,420.1 74.0

$199,999 Premium

2,415,213 1.2 8,168 0.0 17,604,466 8.8 149,703,494 74.5

Average

$1,372 $458 $665 $758

$200,000 to Exposure

3,883.3 0.4 42.8 0.0 116,207.8 11.2 739,349.8 71.1

$299,999 Premium

7,014,746 0.8 28,344 0.0 84,986,530 9.7 628,888,551 71.6

Average

$1,806 $663 $731 $851

$300,000 to Exposure

1,694.9 0.3 59,895.7 10.6 391,405.6 69.3

$399,999 Premium

3,467,457 0.6 * 50,708,953 9.0 388,756,980 69.3

Average

$2,046 $847 $993

$400,000 to Exposure

547.3 0.2 19,635.4 8.7 156,934.3 69.4

$499,999 Premium

1,028,093 0.4 * 19,307,971 7.3 182,402,855 69.0

Average

$1,878 $983 $1,162

$500,000 and Exposure

480.8 0.2 17,269.3 7.7 140,564.2 62.5

Over Premium

1,149,955 0.3 * 22,846,432 6.0 224,807,694 58.7

Average

$2,392 $1,323 $1,599

Total Exposure

29,373.0 1.1 462.8 0.0 274,930.6 10.0 1,935,587.5 70.2

Premium

31,953,348 1.2 195,416 0.0 217,934,882 8.5 1,780,790,848 69.2

Average

$1,088 $422 $793 $920

DW % HO-1 % HO-2 % HO-3 %

Ohio

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

100

Insurance

Range

$49,999 and Exposure

9,550.9 39.2 3,322.3 13.6 24,373.3 100.0

Under Premium

1,367,564 15.7 510,966 5.8 8,736,730 100.0

Average

$143 $154 $358

$50,000 to Exposure

2,447.3 15.9 1,476.7 9.6 15,365.1 100.0

$74,999 Premium

682,118 8.4 955,553 11.8 8,076,117 100.0

Average

$279 $647 $526

$75,000 to Exposure

1,429.3 7.1 764.6 3.8 20,027.5 100.0

$99,999 Premium

916,162 7.4 638,321 5.2 12,344,969 100.0

Average

$641 $835 $616

$100,000 to Exposure

5,248.4 10.4 559.4 1.1 50,258.3 100.0

$124,999 Premium

3,299,250 10.2 531,173 1.6 32,395,698 100.0

Average

$629 $950 $645

$125,000 to Exposure

14,686.0 12.5 279.9 0.2 117,049.5 100.0

$149,999 Premium

9,681,989 12.4 263,029 0.3 78,029,112 100.0

Average

$659 $940 $667

$150,000 to Exposure

29,192.2 14.0 395.0 0.2 209,080.3 100.0

$174,999 Premium

20,274,926 13.9 370,994 0.3 145,663,563 100.0

Average

$695 $939 $697

$175,000 to Exposure

40,611.9 15.2 427.4 0.2 266,704.6 100.0

$199,999 Premium

30,936,811 15.4 352,360 0.2 201,020,512 100.0

Average

$762 $824 $754

$200,000 to Exposure

179,617.8 17.3 976.2 0.1 1,040,077.6 100.0

$299,999 Premium

156,987,721 17.9 922,969 0.1 878,828,861 100.0

Average

$874 $946 $845

$300,000 to Exposure

111,145.7 19.7 286.0 0.1 564,415.5 100.0

$399,999 Premium

117,651,082 21.0 331,655 0.1 560,915,655 100.0

Average

$1,059 $1,160 $994

$400,000 to Exposure

49,026.8 21.7 119.0 0.1 226,254.7 100.0

$499,999 Premium

61,522,777 23.3 160,035 0.1 264,417,387 100.0

Average

$1,255 $1,345 $1,169

$500,000 and Exposure

66,300.9 29.5 123.5 0.1 224,734.6 100.0

Over Premium

133,922,000 35.0 302,151 0.1 383,027,496 100.0

Average

$2,020 $2,447 $1,704

Total Exposure

509,257.1 18.5 8,729.9 0.3 2,758,340.9 100.0

Premium

537,242,400 20.9 5,339,206 0.2 2,573,456,100 100.0

Average

$1,055 $612 $933

Ohio

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Table 4

2021 Average Premium by Amount of Insurance

101

Insurance

Range

$49,999 and Exposure

5,705.4 20.0 2,134.2 7.5 4,250.0 14.9 774.3 2.7

Under Premium

1,809,725 22.3 612,430 7.6 1,768,080 21.8 838,182 10.3

Average

$317 $287 $416 $1,082

$50,000 to Exposure

5,375.8 21.4 1,919.9 7.7 5,484.9 21.9 3,604.5 14.4

$74,999 Premium

2,233,598 14.9 964,576 6.4 3,128,068 20.8 3,828,496 25.5

Average

$415 $502 $570 $1,062

$75,000 to Exposure

4,303.1 15.2 1,588.0 5.6 7,160.5 25.3 9,697.8 34.3

$99,999 Premium

2,059,237 8.5 948,015 3.9 5,015,228 20.7 11,096,937 45.8

Average

$479 $597 $700 $1,144

$100,000 to Exposure

2,862.8 6.9 1,373.3 3.3 7,149.7 17.4 24,269.7 58.9

$124,999 Premium

1,881,398 3.9 926,880 1.9 6,476,312 13.5 31,312,547 65.3

Average

$657 $675 $906 $1,290

$125,000 to Exposure

1,717.8 2.9 765.8 1.3 8,752.1 15.0 38,989.3 66.9

$149,999 Premium

1,319,017 1.6 600,512 0.7 10,555,717 12.7 57,076,704 68.9

Average

$768 $784 $1,206 $1,464

$150,000 to Exposure

1,261.5 1.7 753.4 1.0 11,419.9 15.0 50,772.9 66.5

$174,999 Premium

1,171,172 1.0 646,563 0.5 16,119,671 13.2 82,084,118 67.0

Average

$928 $858 $1,412 $1,617

$175,000 to Exposure

761.6 0.9 516.1 0.6 12,206.6 14.2 56,609.0 65.8

$199,999 Premium

798,421 0.5 453,678 0.3 19,500,371 12.7 99,725,832 65.2

Average

$1,048 $879 $1,598 $1,762

$200,000 to Exposure

1,461.6 0.5 885.7 0.3 34,473.7 12.6 182,827.1 66.8

$299,999 Premium

1,550,336 0.3 861,407 0.1 65,475,249 11.4 376,481,993 65.5

Average

$1,061 $973 $1,899 $2,059

$300,000 to Exposure

492.4 0.4 211.3 0.2 10,504.2 8.9 84,688.8 71.6

$399,999 Premium

509,025 0.2 272,358 0.1 23,544,503 7.8 210,122,450 69.8

Average

$1,034 $1,289 $2,241 $2,481

$400,000 to Exposure

112.7 0.2 55.0 0.1 3,958.8 8.5 34,455.6 74.2

$499,999 Premium

152,222 0.1 77,014 0.1 10,194,420 7.3 100,968,996 72.7

Average

$1,351 $1,400 $2,575 $2,930

$500,000 and Exposure

112.8 0.2 21.8 0.0 3,731.9 7.8 34,465.9 72.2

Over Premium

231,770 0.1 50,550 0.0 12,736,638 6.0 149,788,509 70.7

Average

$2,056 $2,315 $3,413 $4,346

Total Exposure

24,167.5 2.9 10,224.6 1.2 109,092.3 13.1 521,155.0 62.8

Premium

13,715,921 0.8 6,413,983 0.4 174,514,257 10.4 1,123,324,764 66.9

Average

$568 $627 $1,600 $2,155

HO-2 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Oklahoma

DW % HO-3 %HO-1 %

2021 Average Premium by Amount of Insurance

Table 4

102

Insurance

Range

$49,999 and Exposure

41.8 0.1 15,681.2 54.9 28,586.8 100.0

Under Premium

27,039 0.3 3,049,962 37.6 8,105,418 100.0

Average

$648 $194 $284

$50,000 to Exposure

112.3 0.4 8,577.4 34.2 25,074.8 100.0

$74,999 Premium

158,248 1.1 4,690,676 31.3 15,003,662 100.0

Average

$1,410 $547 $598

$75,000 to Exposure

471.8 1.7 5,048.8 17.9 28,270.0 100.0

$99,999 Premium

713,736 2.9 4,409,760 18.2 24,242,913 100.0

Average

$1,513 $873 $858

$100,000 to Exposure

2,460.3 6.0 3,091.3 7.5 41,207.1 100.0

$124,999 Premium

4,028,729 8.4 3,328,143 6.9 47,954,009 100.0

Average

$1,638 $1,077 $1,164

$125,000 to Exposure

6,452.4 11.1 1,592.4 2.7 58,269.9 100.0

$149,999 Premium

11,346,235 13.7 1,908,269 2.3 82,806,454 100.0

Average

$1,758 $1,198 $1,421

$150,000 to Exposure

11,060.6 14.5 1,044.4 1.4 76,312.8 100.0

$174,999 Premium

20,953,079 17.1 1,478,561 1.2 122,453,164 100.0

Average

$1,894 $1,416 $1,605

$175,000 to Exposure

15,530.9 18.0 434.7 0.5 86,058.8 100.0

$199,999 Premium

31,855,517 20.8 673,174 0.4 153,006,993 100.0

Average

$2,051 $1,549 $1,778

$200,000 to Exposure

53,354.3 19.5 700.0 0.3 273,702.3 100.0

$299,999 Premium

129,738,095 22.6 979,507 0.2 575,086,587 100.0

Average

$2,432 $1,399 $2,101

$300,000 to Exposure

22,205.8 18.8 197.8 0.2 118,300.3 100.0

$399,999 Premium

66,371,796 22.0 227,550 0.1 301,047,682 100.0

Average

$2,989 $1,151 $2,545

$400,000 to Exposure

7,796.4 16.8 80.6 0.2 46,459.1 100.0

$499,999 Premium

27,326,477 19.7 77,368 0.1 138,796,497 100.0

Average

$3,505 $960 $2,987

$500,000 and Exposure

9,260.8 19.4 146.8 0.3 47,740.0 100.0

Over Premium

48,774,172 23.0 171,690 0.1 211,753,329 100.0

Average

$5,267 $1,170 $4,436

Total Exposure

128,747.4 15.5 36,595.3 4.4 829,982.0 100.0

Premium

341,293,123 20.3 20,994,660 1.2 1,680,256,708 100.0

Average

$2,651 $574 $2,024

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Oklahoma

2021 Average Premium by Amount of Insurance

Table 4

103

Insurance

Range

$49,999 and Exposure

289.3 40.4 3.2 0.4 171.1 23.9

Under Premium

117,872 46.6 * 1,575 0.6 72,049 28.5

Average

$407 $497 $421

$50,000 to Exposure

178.1 33.1 191.3 35.6

$74,999 Premium

87,349 39.0 * * 74,555 33.3

Average

$490 $390

$75,000 to Exposure

161.6 15.5 15.4 1.5 735.3 70.5

$99,999 Premium

95,563 19.4 * 9,127 1.8 318,965 64.6

Average

$591 $592 $434

$100,000 to Exposure

316.2 7.8 79.8 2.0 3,363.3 83.5

$124,999 Premium

197,241 9.9 * 39,838 2.0 1,617,100 81.0

Average

$624 $500 $481

$125,000 to Exposure

228.5 2.1 340.7 3.2 9,262.9 86.4

$149,999 Premium

157,719 2.8 * 184,673 3.2 4,857,771 84.9

Average

$690 $542 $524

$150,000 to Exposure

343.5 1.4 1.0 0.0 963.5 4.0 19,998.8 83.7

$174,999 Premium

266,757 2.0 322 0.0 525,338 3.9 11,185,896 82.4

Average

$777 $322 $545 $559

$175,000 to Exposure

312.1 0.8 2,136.5 5.4 32,406.8 81.6

$199,999 Premium

253,192 1.1 * 1,210,677 5.1 19,210,292 80.6

Average

$811 $567 $593

$200,000 to Exposure

1,158.4 0.4 20,554.8 7.6 207,484.3 76.7

$299,999 Premium

1,119,110 0.6 * 12,833,201 7.1 136,309,331 75.3

Average

$966 $624 $657

$300,000 to Exposure

710.9 0.3 19,055.3 8.6 165,614.3 74.5

$399,999 Premium

799,360 0.5 * 13,770,610 8.0 125,224,421 72.9

Average

$1,124 $723 $756

$400,000 to Exposure

321.3 0.3 1.0 0.0 9,596.9 8.3 85,226.4 73.6

$499,999 Premium

439,215 0.4 462 0.0 8,149,387 7.8 75,334,462 71.7

Average

$1,367 $462 $849 $884

$500,000 and Exposure

273.1 0.2 9,678.8 7.5 94,487.0 73.1

Over Premium

448,509 0.3 * 12,148,764 7.3 116,594,959 69.9

Average

$1,642 $1,255 $1,234

Total Exposure

4,293.0 0.5 2.0 0.0 62,426.4 7.6 618,941.5 75.6

Premium

3,981,887 0.6 784 0.0 48,872,948 7.3 490,799,801 73.2

Average

$928 $392 $783 $793

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Oregon

Table 4

2021 Average Premium by Amount of Insurance

HO-3 %DW % HO-1 % HO-2 %

104

Insurance

Range

$49,999 and Exposure

139.9 19.5 113.0 15.8 716.5 100.0

Under Premium

34,325 13.6 26,870 10.6 252,691 100.0

Average

$245 $238 $353

$50,000 to Exposure

34.6 6.4 132.0 24.6 537.6 100.0

$74,999 Premium

10,389 4.6 52,120 23.3 224,171 100.0

Average

$300 $395 $417

$75,000 to Exposure

38.8 3.7 92.5 8.9 1,043.5 100.0

$99,999 Premium

18,761 3.8 51,441 10.4 493,857 100.0

Average

$484 $556 $473

$100,000 to Exposure

205.5 5.1 65.2 1.6 4,029.8 100.0

$124,999 Premium

88,242 4.4 52,911 2.7 1,995,332 100.0

Average

$429 $812 $495

$125,000 to Exposure

863.8 8.1 31.3 0.3 10,727.2 100.0

$149,999 Premium

489,353 8.6 28,951 0.5 5,718,467 100.0

Average

$566 $926 $533

$150,000 to Exposure

2,544.9 10.7 39.9 0.2 23,891.7 100.0

$174,999 Premium

1,557,712 11.5 41,008 0.3 13,577,033 100.0

Average

$612 $1,027 $568

$175,000 to Exposure

4,853.2 12.2 18.8 0.0 39,727.4 100.0

$199,999 Premium

3,149,673 13.2 24,772 0.1 23,848,606 100.0

Average

$649 $1,315 $600

$200,000 to Exposure

41,251.3 15.3 35.1 0.0 270,484.0 100.0

$299,999 Premium

30,671,838 16.9 44,693 0.0 180,978,173 100.0

Average

$744 $1,274 $669

$300,000 to Exposure

36,777.4 16.6 2.8 0.0 222,160.7 100.0

$399,999 Premium

31,970,880 18.6 4,808 0.0 171,770,079 100.0

Average

$869 $1,748 $773

$400,000 to Exposure

20,587.7 17.8 115,733.3 100.0

$499,999 Premium

21,189,872 20.2 * 105,113,222 100.0

Average

$1,029 $908

$500,000 and Exposure

24,737.8 19.2 1.0 0.0 129,177.6 100.0

Over Premium

37,577,873 22.5 2,152 0.0 166,772,257 100.0

Average

$1,519 $2,152 $1,291

Total Exposure

132,034.8 16.1 531.4 0.1 818,229.2 100.0

Premium

126,758,918 18.9 329,550 0.0 670,743,888 100.0

Average

$960 $620 $820

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Oregon

Table 4

2021 Average Premium by Amount of Insurance

Total %HO-5 % HO-8 %

105

Insurance

Range

$49,999 and Exposure

2,473.8 13.9 742.5 4.2 802.2 4.5 11,584.5 65.3

Under Premium

1,022,079 26.2 146,149 3.7 235,852 6.0 1,940,896 49.7

Average

$413 $197 $294 $168

$50,000 to Exposure

2,981.2 23.3 533.5 4.2 1,232.1 9.6 5,298.0 41.4

$74,999 Premium

1,477,472 21.6 135,065 2.0 489,402 7.2 3,430,259 50.2

Average

$496 $253 $397 $647

$75,000 to Exposure

2,934.9 17.2 512.7 3.0 1,437.6 8.4 8,176.3 47.8

$99,999 Premium

1,582,759 16.6 138,304 1.5 726,277 7.6 5,085,813 53.3

Average

$539 $270 $505 $622

$100,000 to Exposure

3,528.8 12.3 509.2 1.8 2,368.1 8.3 17,085.1 59.7

$124,999 Premium

2,259,751 13.0 158,028 0.9 1,573,657 9.1 10,744,051 61.9

Average

$640 $310 $665 $629

$125,000 to Exposure

1,914.8 3.8 401.3 0.8 3,504.7 6.9 35,564.8 69.9

$149,999 Premium

1,180,234 3.8 134,813 0.4 2,373,174 7.6 22,576,256 72.7

Average

$616 $336 $677 $635

$150,000 to Exposure

2,235.7 1.9 428.3 0.4 7,362.0 6.4 81,782.3 71.3

$174,999 Premium

1,518,314 2.0 160,090 0.2 5,190,154 7.0 55,338,074 74.5

Average

$679 $374 $705 $677

$175,000 to Exposure

1,799.4 0.9 290.6 0.1 12,324.9 6.2 140,594.8 71.2

$199,999 Premium

1,300,670 1.0 125,533 0.1 8,837,723 6.5 101,512,222 74.7

Average

$723 $432 $717 $722

$200,000 to Exposure

4,274.1 0.4 778.7 0.1 93,377.7 8.3 772,915.4 68.8

$299,999 Premium

3,675,563 0.4 383,959 0.0 79,214,082 8.7 653,140,634 72.0

Average

$860 $493 $848 $845

$300,000 to Exposure

1,403.5 0.2 203.8 0.0 63,971.7 9.0 482,937.5 67.8

$399,999 Premium

1,515,884 0.2 123,644 0.0 61,746,565 8.9 488,508,817 70.8

Average

$1,080 $607 $965 $1,012

$400,000 to Exposure

509.7 0.2 54.0 0.0 30,795.9 9.3 230,079.7 69.2

$499,999 Premium

634,362 0.2 38,725 0.0 33,206,004 8.6 279,320,319 72.2

Average

$1,245 $717 $1,078 $1,214

$500,000 and Exposure

463.2 0.1 35.7 0.0 36,875.5 10.0 247,286.4 66.9

Over Premium

656,737 0.1 40,052 0.0 53,613,784 8.3 439,675,065 68.4

Average

$1,418 $1,123 $1,454 $1,778

Total Exposure

24,519.0 0.8 4,490.2 0.2 254,052.3 8.5 2,033,304.8 68.3

Premium

16,823,825 0.6 1,584,362 0.1 247,206,674 8.5 2,061,272,406 70.9

Average

$686 $353 $973 $1,014

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Pennsylvania

DW % HO-1 % %HO-2 % HO-3

2021 Average Premium by Amount of Insurance

Table 4

106

Insurance

Range

$49,999 and Exposure

1,387.9 7.8 760.7 4.3 17,751.5 100.0

Under Premium

261,458 6.7 296,136 7.6 3,902,570 100.0

Average

$188 $389 $220

$50,000 to Exposure

2,068.9 16.2 676.8 5.3 12,790.5 100.0

$74,999 Premium

816,359 11.9 484,381 7.1 6,832,938 100.0

Average

$395 $716 $534

$75,000 to Exposure

3,574.2 20.9 472.9 2.8 17,108.5 100.0

$99,999 Premium

1,623,378 17.0 380,044 4.0 9,536,575 100.0

Average

$454 $804 $557

$100,000 to Exposure

4,788.1 16.7 358.8 1.3 28,638.1 100.0

$124,999 Premium

2,344,186 13.5 289,808 1.7 17,369,481 100.0

Average

$490 $808 $607

$125,000 to Exposure

9,334.3 18.3 170.4 0.3 50,890.2 100.0

$149,999 Premium

4,576,818 14.7 197,597 0.6 31,038,892 100.0

Average

$490 $1,159 $610

$150,000 to Exposure

22,755.4 19.8 148.8 0.1 114,712.5 100.0

$174,999 Premium

11,900,361 16.0 167,367 0.2 74,274,360 100.0

Average

$523 $1,125 $647

$175,000 to Exposure

42,486.3 21.5 73.8 0.0 197,569.9 100.0

$199,999 Premium

23,946,220 17.6 87,338 0.1 135,809,706 100.0

Average

$564 $1,183 $687

$200,000 to Exposure

252,017.1 22.4 194.3 0.0 1,123,557.3 100.0

$299,999 Premium

170,434,872 18.8 250,990 0.0 907,100,100 100.0

Average

$676 $1,292 $807

$300,000 to Exposure

163,575.8 23.0 67.3 0.0 712,159.7 100.0

$399,999 Premium

138,153,187 20.0 110,888 0.0 690,158,985 100.0

Average

$845 $1,647 $969

$400,000 to Exposure

71,245.6 21.4 16.4 0.0 332,701.3 100.0

$499,999 Premium

73,404,410 19.0 32,695 0.0 386,636,515 100.0

Average

$1,030 $1,992 $1,162

$500,000 and Exposure

85,225.0 23.0 14.3 0.0 369,900.0 100.0

Over Premium

148,876,895 23.2 43,935 0.0 642,906,468 100.0

Average

$1,747 $3,083 $1,738

Total Exposure

658,458.6 22.1 2,954.6 0.1 2,977,779.3 100.0

Premium

576,338,144 19.8 2,341,179 0.1 2,905,566,590 100.0

Average

$875 $792 $976

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Pennsylvania

2021 Average Premium by Amount of Insurance

Table 4

107

Insurance

Range

$49,999 and Exposure

103.7 2.0 3.0

Under Premium

79,894 488 2,341 *

Average

$771 $244 $780

$50,000 to Exposure

40.0 28.8 2.0 1.4 11.3 8.2 57.9 41.8

$74,999 Premium

17,927 25.7 801 1.1 5,161 7.4 40,092 57.5

Average

$448 $401 $455 $692

$75,000 to Exposure

38.9 9.4 10.0 2.4 35.3 8.6 296.4 71.8

$99,999 Premium

18,512 6.5 3,787 1.3 17,072 6.0 238,362 83.7

Average

$476 $379 $483 $804

$100,000 to Exposure

73.2 8.1 49.3 5.4 116.9 12.9 584.8 64.6

$124,999 Premium

45,766 6.3 18,507 2.6 80,691 11.2 547,970 75.8

Average

$626 $376 $690 $937

$125,000 to Exposure

73.7 5.7 38.0 2.9 193.1 14.9 943.2 72.8

$149,999 Premium

40,966 3.4 17,071 1.4 148,060 12.4 945,537 79.2

Average

$556 $449 $767 $1,003

$150,000 to Exposure

163.1 5.6 119.8 4.1 436.5 14.9 2,093.4 71.3

$174,999 Premium

122,807 4.1 59,952 2.0 375,296 12.4 2,341,448 77.5

Average

$753 $500 $860 $1,118

$175,000 to Exposure

194.5 3.6 43.0 0.8 702.2 12.9 4,380.2 80.3

$199,999 Premium

151,522 2.5 23,452 0.4 622,577 10.3 5,117,461 84.5

Average

$779 $545 $887 $1,168

$200,000 to Exposure

1,222.7 2.0 256.3 0.4 11,215.1 18.1 47,207.5 76.4

$299,999 Premium

1,152,178 1.4 157,097 0.2 12,277,731 15.3 64,340,798 79.9

Average

$942 $613 $1,095 $1,363

$300,000 to Exposure

751.2 1.3 67.7 0.1 11,091.7 18.9 44,804.2 76.2

$399,999 Premium

914,886 0.9 48,848 0.1 15,290,659 15.8 76,877,063 79.4

Average

$1,218 $722 $1,379 $1,716

$400,000 to Exposure

332.6 1.0 27.0 0.1 5,350.8 16.3 25,725.1 78.2

$499,999 Premium

436,880 0.7 20,711 0.0 9,187,646 13.8 53,989,811 80.8

Average

$1,314 $767 $1,717 $2,099

$500,000 and Exposure

214.2 0.6 5.7 0.0 4,351.3 11.6 29,064.5 77.6

Over Premium

354,694 0.3 4,587 0.0 10,631,264 8.5 94,754,925 75.8

Average

$1,656 $809 $2,443 $3,260

Total Exposure

3,207.6 1.6 620.8 0.3 33,507.2 16.6 155,164.5 76.7

Premium

3,336,032 0.9 355,301 0.1 48,638,498 13.0 294,809,827 78.6

Average

$1,040 $572 $1,452 $1,900

HO-3 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Rhode Island

DW % HO-1 % HO-2 %

2021 Average Premium by Amount of Insurance

Table 4

108

Insurance

Range

$49,999 and Exposure

7.2

Under Premium

* 1,170 *

Average

$163

$50,000 to Exposure

5.0 3.6 22.4 16.2 138.7 100.0

$74,999 Premium

2,548 3.7 3,191 4.6 69,720 100.0

Average

$510 $142 $503

$75,000 to Exposure

32.3 7.8 412.9 100.0

$99,999 Premium

* 6,920 2.4 284,653 100.0

Average

$215 $689

$100,000 to Exposure

1.0 0.1 80.4 8.9 905.5 100.0

$124,999 Premium

666 0.1 29,223 4.0 722,823 100.0

Average

$666 $363 $798

$125,000 to Exposure

6.1 0.5 42.0 3.2 1,296.0 100.0

$149,999 Premium

5,927 0.5 36,692 3.1 1,194,253 100.0

Average

$974 $874 $921

$150,000 to Exposure

14.2 0.5 108.3 3.7 2,935.3 100.0

$174,999 Premium

16,719 0.6 103,804 3.4 3,020,026 100.0

Average

$1,180 $959 $1,029

$175,000 to Exposure

34.0 0.6 97.8 1.8 5,451.7 100.0

$199,999 Premium

41,015 0.7 101,176 1.7 6,057,203 100.0

Average

$1,206 $1,034 $1,111

$200,000 to Exposure

1,411.3 2.3 506.6 0.8 61,819.4 100.0

$299,999 Premium

1,884,343 2.3 667,607 0.8 80,479,754 100.0

Average

$1,335 $1,318 $1,302

$300,000 to Exposure

1,941.5 3.3 154.1 0.3 58,810.3 100.0

$399,999 Premium

3,379,541 3.5 266,293 0.3 96,777,290 100.0

Average

$1,741 $1,728 $1,646

$400,000 to Exposure

1,410.4 4.3 44.7 0.1 32,890.5 100.0

$499,999 Premium

3,066,823 4.6 87,835 0.1 66,789,706 100.0

Average

$2,174 $1,966 $2,031

$500,000 and Exposure

3,779.8 10.1 17.5 0.0 37,432.9 100.0

Over Premium

19,248,573 15.4 46,890 0.0 125,040,933 100.0

Average

$5,093 $2,679 $3,340

Total Exposure

8,612.6 4.3 1,113.2 0.6 202,225.8 100.0

Premium

26,736,973 7.1 1,350,801 0.4 375,227,432 100.0

Average

$3,104 $1,213 $1,855

HO-8

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Rhode Island

Total %HO-5 % %

2021 Average Premium by Amount of Insurance

Table 4

109

Insurance

Range

$49,999 and Exposure

5,843.7 63.0 219.8 2.4 122.8 1.3 2,106.3 22.7

Under Premium

1,244,556 55.6 64,749 2.9 33,264 1.5 592,476 26.5

Average

$213 $295 $271 $281

$50,000 to Exposure

2,369.5 32.0 699.6 9.4 479.4 6.5 2,653.9 35.8

$74,999 Premium

781,728 29.2 228,507 8.5 167,692 6.3 756,712 28.3

Average

$330 $327 $350 $285

$75,000 to Exposure

1,558.4 18.3 943.4 11.1 766.3 9.0 4,097.1 48.1

$99,999 Premium

614,963 11.4 337,769 6.3 335,860 6.2 3,098,963 57.4

Average

$395 $358 $438 $756

$100,000 to Exposure

1,279.9 5.2 1,186.8 4.9 2,167.6 8.9 18,653.5 76.4

$124,999 Premium

635,837 3.5 464,845 2.6 1,321,556 7.3 14,729,536 81.1

Average

$497 $392 $610 $790

$125,000 to Exposure

949.2 1.6 845.8 1.5 4,990.4 8.6 47,771.7 82.5

$149,999 Premium

538,706 1.1 358,673 0.8 3,892,493 8.1 41,855,393 87.6

Average

$568 $424 $780 $876

$150,000 to Exposure

827.6 0.9 712.8 0.8 8,700.2 9.9 76,301.2 86.8

$174,999 Premium

529,245 0.6 338,449 0.4 7,421,159 9.0 73,141,294 88.3

Average

$640 $475 $853 $959

$175,000 to Exposure

625.3 0.6 642.9 0.6 9,892.7 9.7 89,957.3 87.9

$199,999 Premium

454,945 0.4 292,769 0.3 9,078,011 8.7 93,113,220 89.3

Average

$728 $455 $918 $1,035

$200,000 to Exposure

1,224.0 0.3 1,996.8 0.5 34,824.0 9.3 332,684.2 88.7

$299,999 Premium

1,099,577 0.2 891,826 0.2 36,470,365 8.2 403,390,127 90.2

Average

$898 $447 $1,047 $1,213

$300,000 to Exposure

425.4 0.2 1,029.0 0.5 14,990.3 7.4 183,057.9 90.4

$399,999 Premium

544,456 0.2 466,522 0.2 18,814,214 6.3 272,161,599 91.8

Average

$1,280 $453 $1,255 $1,487

$400,000 to Exposure

116.1 0.1 468.3 0.5 6,356.6 6.9 83,344.3 90.5

$499,999 Premium

139,939 0.1 236,051 0.1 9,444,230 5.8 149,267,422 91.9

Average

$1,206 $504 $1,486 $1,791

$500,000 and Exposure

152.9 0.1 217.5 0.2 6,634.0 6.3 90,955.1 86.5

Over Premium

280,571 0.1 146,915 0.0 14,204,182 4.2 282,200,708 83.9

Average

$1,835 $675 $2,141 $3,103

Total Exposure

15,371.9 1.4 8,962.8 0.8 89,924.2 8.4 931,582.3 86.9

Premium

6,864,523 0.5 3,827,075 0.3 101,183,026 6.7 1,334,307,450 88.6

Average

$447 $427 $1,125 $1,432

% HO-3 %

2021 Average Premium by Amount of Insurance

HO-2 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

South Carolina

DW % HO-1

Table 4

110

Insurance

Range

$49,999 and Exposure

420.9 4.5 555.1 6.0 9,268.4 100.0

Under Premium

39,993 1.8 263,713 11.8 2,238,751 100.0

Average

$95 $475 $242

$50,000 to Exposure

105.9 1.4 1,097.6 14.8 7,405.9 100.0

$74,999 Premium

13,162 0.5 727,998 27.2 2,675,799 100.0

Average

$124 $663 $361

$75,000 to Exposure

18.8 0.2 1,140.5 13.4 8,524.5 100.0

$99,999 Premium

8,790 0.2 1,001,889 18.6 5,398,234 100.0

Average

$469 $878 $633

$100,000 to Exposure

119.3 0.5 1,003.9 4.1 24,411.0 100.0

$124,999 Premium

68,808 0.4 945,513 5.2 18,166,095 100.0

Average

$577 $942 $744

$125,000 to Exposure

347.3 0.6 2,968.0 5.1 57,872.3 100.0

$149,999 Premium

332,532 0.7 826,413 1.7 47,804,210 100.0

Average

$957 $278 $826

$150,000 to Exposure

654.1 0.7 659.4 0.8 87,855.3 100.0

$174,999 Premium

656,507 0.8 725,015 0.9 82,811,669 100.0

Average

$1,004 $1,099 $943

$175,000 to Exposure

818.3 0.8 389.0 0.4 102,325.4 100.0

$199,999 Premium

851,466 0.8 446,909 0.4 104,237,320 100.0

Average

$1,040 $1,149 $1,019

$200,000 to Exposure

3,886.4 1.0 547.1 0.1 375,162.5 100.0

$299,999 Premium

4,791,414 1.1 711,969 0.2 447,355,278 100.0

Average

$1,233 $1,301 $1,192

$300,000 to Exposure

2,960.0 1.5 104.9 0.1 202,567.5 100.0

$399,999 Premium

4,409,010 1.5 190,087 0.1 296,585,888 100.0

Average

$1,490 $1,812 $1,464

$400,000 to Exposure

1,772.1 1.9 27.9 0.0 92,085.3 100.0

$499,999 Premium

3,269,978 2.0 57,054 0.0 162,414,674 100.0

Average

$1,845 $2,044 $1,764

$500,000 and Exposure

7,145.6 6.8 24.8 0.0 105,129.9 100.0

Over Premium

39,637,264 11.8 83,445 0.0 336,553,085 100.0

Average

$5,547 $3,360 $3,201

Total Exposure

18,248.7 1.7 8,518.3 0.8 1,072,608.0 100.0

Premium

54,078,924 3.6 5,980,005 0.4 1,506,241,003 100.0

Average

$2,963 $702 $1,404

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

South Carolina

Table 4

2021 Average Premium by Amount of Insurance

111

Insurance

Range

$49,999 and Exposure

162.6 10.4 227.8 14.5 412.2 26.3 701.3 44.7

Under Premium

53,951 6.3 25,960 3.0 209,948 24.4 549,638 63.9

Average

$332 $114 $509 $784

$50,000 to Exposure

198.9 14.3 19.7 1.4 453.6 32.7 641.0 46.2

$74,999 Premium

77,757 7.2 12,431 1.2 351,521 32.8 599,042 55.8

Average

$391 $632 $775 $935

$75,000 to Exposure

138.6 6.9 13.3 0.7 567.5 28.1 1,190.5 59.1

$99,999 Premium

61,180 3.5 6,820 0.4 483,599 27.7 1,110,158 63.6

Average

$441 $512 $852 $933

$100,000 to Exposure

166.8 4.1 31.0 0.8 546.3 13.4 3,058.7 75.0

$124,999 Premium

93,143 2.4 14,207 0.4 498,064 13.0 2,963,916 77.4

Average

$559 $458 $912 $969

$125,000 to Exposure

123.3 1.4 18.7 0.2 596.3 6.8 7,368.4 84.1

$149,999 Premium

70,614 0.8 12,088 0.1 556,481 6.6 7,137,429 84.3

Average

$573 $648 $933 $969

$150,000 to Exposure

136.0 1.0 13.4 0.1 649.7 4.6 11,891.8 83.8

$174,999 Premium

92,267 0.6 8,109 0.1 641,943 4.3 12,398,941 83.9

Average

$678 $604 $988 $1,043

$175,000 to Exposure

91.8 0.5 17.5 0.1 680.5 3.5 15,965.4 83.0

$199,999 Premium

70,482 0.3 13,444 0.1 718,589 3.5 16,972,812 82.3

Average

$767 $768 $1,056 $1,063

$200,000 to Exposure

231.8 0.3 36.0 0.0 1,627.1 2.2 61,306.0 81.1

$299,999 Premium

213,554 0.2 24,304 0.0 1,824,473 2.0 70,521,317 79.1

Average

$921 $675 $1,121 $1,150

$300,000 to Exposure

102.9 0.3 13.2 0.0 575.8 1.5 30,383.9 80.0

$399,999 Premium

103,284 0.2 10,670 0.0 676,946 1.3 40,385,468 77.0

Average

$1,004 $810 $1,176 $1,329

$400,000 to Exposure

27.3 0.2 6.0 0.0 225.4 1.4 12,874.2 79.9

$499,999 Premium

12,779 0.0 3,004 0.0 211,712 0.8 19,898,555 76.8

Average

$469 $501 $939 $1,546

$500,000 and Exposure

41.9 0.3 2.0 0.0 103.8 0.6 12,897.2 80.2

Over Premium

40,035 0.1 1,926 0.0 181,114 0.5 28,438,111 76.7

Average

$955 $963 $1,746 $2,205

Total Exposure

1,421.8 0.7 398.5 0.2 6,438.0 3.3 158,278.3 80.3

Premium

889,046 0.3 132,963 0.1 6,354,390 2.5 200,975,387 78.5

Average

$625 $334 $987 $1,270

Table 4

%

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

2021 Average Premium by Amount of Insurance

South Dakota

HO-2% HO-3 %DW % HO-1

112

Insurance

Range

$49,999 and Exposure

14.8 0.9 50.0 3.2 1,568.7 100.0

Under Premium

3,803 0.4 17,371 2.0 860,671 100.0

Average

$256 $347 $549

$50,000 to Exposure

8.8 0.6 65.1 4.7 1,387.0 100.0

$74,999 Premium

6,746 0.6 25,391 2.4 1,072,888 100.0

Average

$771 $390 $774

$75,000 to Exposure

39.3 1.9 66.8 3.3 2,016.0 100.0

$99,999 Premium

38,287 2.2 44,312 2.5 1,744,356 100.0

Average

$975 $663 $865

$100,000 to Exposure

216.7 5.3 59.8 1.5 4,079.2 100.0

$124,999 Premium

215,548 5.6 44,630 1.2 3,829,508 100.0

Average

$995 $747 $939

$125,000 to Exposure

633.0 7.2 24.8 0.3 8,764.4 100.0

$149,999 Premium

662,882 7.8 22,504 0.3 8,461,998 100.0

Average

$1,047 $909 $965

$150,000 to Exposure

1,463.2 10.3 29.5 0.2 14,183.5 100.0

$174,999 Premium

1,607,962 10.9 30,607 0.2 14,779,829 100.0

Average

$1,099 $1,038 $1,042

$175,000 to Exposure

2,469.8 12.8 13.8 0.1 19,238.8 100.0

$199,999 Premium

2,841,629 13.8 13,284 0.1 20,630,240 100.0

Average

$1,151 $966 $1,072

$200,000 to Exposure

12,377.1 16.4 15.8 0.0 75,593.8 100.0

$299,999 Premium

16,602,632 18.6 22,352 0.0 89,208,632 100.0

Average

$1,341 $1,412 $1,180

$300,000 to Exposure

6,906.4 18.2 1.3 0.0 37,983.4 100.0

$399,999 Premium

11,266,404 21.5 3,522 0.0 52,446,294 100.0

Average

$1,631 $2,818 $1,381

$400,000 to Exposure

2,975.8 18.5 0.6 0.0 16,109.3 100.0

$499,999 Premium

5,766,574 22.3 2,243 0.0 25,894,867 100.0

Average

$1,938 $3,845 $1,607

$500,000 and Exposure

3,029.7 18.8 1.0 0.0 16,075.5 100.0

Over Premium

8,393,955 22.7 1,971 0.0 37,057,112 100.0

Average

$2,771 $1,971 $2,305

Total Exposure

30,134.5 15.3 328.3 0.2 196,999.5 100.0

Premium

47,406,422 18.5 228,187 0.1 255,986,395 100.0

Average

$1,573 $695 $1,299

Table 4

HO-5 % HO-8

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

South Dakota

% Total %

113

Insurance

Range

$49,999 and Exposure

8,644.9 50.2 2,155.3 12.5 95.1 0.6 3,397.7 19.7

Under Premium

2,402,693 36.5 1,298,703 19.7 71,040 1.1 1,673,854 25.4

Average

$278 $603 $747 $493

$50,000 to Exposure

2,282.9 14.0 6,932.2 42.4 876.3 5.4 2,202.0 13.5

$74,999 Premium

1,110,679 9.5 5,100,227 43.8 656,865 5.6 1,889,704 16.2

Average

$487 $736 $750 $858

$75,000 to Exposure

1,447.9 6.4 6,449.2 28.4 1,324.7 5.8 9,254.8 40.7

$99,999 Premium

817,844 4.2 5,975,235 30.5 1,207,969 6.2 8,005,184 40.9

Average

$565 $927 $912 $865

$100,000 to Exposure

1,269.8 2.4 3,881.2 7.4 2,784.8 5.3 38,399.9 73.3

$124,999 Premium

858,654 1.8 4,249,676 8.9 2,416,765 5.1 35,197,085 73.6

Average

$676 $1,095 $868 $917

$125,000 to Exposure

1,001.3 1.0 1,871.6 1.9 6,422.4 6.4 81,682.6 81.3

$149,999 Premium

837,167 0.8 2,294,512 2.3 5,712,872 5.8 81,548,401 82.5

Average

$836 $1,226 $890 $998

$150,000 to Exposure

1,026.3 0.7 948.2 0.7 10,635.0 7.7 112,278.8 81.3

$174,999 Premium

896,880 0.6 1,235,043 0.9 9,973,919 6.9 119,156,281 82.9

Average

$874 $1,303 $938 $1,061

$175,000 to Exposure

783.4 0.5 404.3 0.3 12,162.5 8.0 124,074.8 82.0

$199,999 Premium

707,072 0.4 554,161 0.3 11,970,806 7.3 137,047,219 83.4

Average

$903 $1,371 $984 $1,105

$200,000 to Exposure

2,111.3 0.4 550.4 0.1 40,670.8 8.4 392,946.5 81.1

$299,999 Premium

2,076,460 0.4 745,686 0.1 45,541,211 7.8 481,715,562 82.4

Average

$984 $1,355 $1,120 $1,226

$300,000 to Exposure

863.7 0.3 125.8 0.0 18,088.3 7.1 209,848.1 82.4

$399,999 Premium

953,756 0.3 159,111 0.0 24,183,430 6.7 299,393,305 83.2

Average

$1,104 $1,265 $1,337 $1,427

$400,000 to Exposure

306.4 0.2 35.5 0.0 8,229.6 6.7 101,032.0 82.1

$499,999 Premium

342,821 0.2 56,257 0.0 12,837,590 6.2 171,368,926 83.1

Average

$1,119 $1,585 $1,560 $1,696

$500,000 and Exposure

266.8 0.2 22.8 0.0 9,096.7 5.9 120,436.5 77.5

Over Premium

332,950 0.1 35,426 0.0 20,565,081 5.3 298,252,426 76.2

Average

$1,248 $1,557 $2,261 $2,476

Total Exposure

20,004.7 1.3 23,376.3 1.5 110,386.2 7.3 1,195,553.6 78.8

Premium

11,336,976 0.6 21,704,037 1.1 135,137,548 6.6 1,635,247,947 80.4

Average

$567 $928 $1,224 $1,368

Table 4

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Tennessee

DW % HO-1 %

2021 Average Premium by Amount of Insurance

HO-3 %HO-2 %

114

Insurance

Range

$49,999 and Exposure

1,122.7 6.5 1,796.9 10.4 17,212.6 100.0

Under Premium

218,521 3.3 917,821 13.9 6,582,632 100.0

Average

$195 $511 $382

$50,000 to Exposure

823.6 5.0 3,217.6 19.7 16,334.6 100.0

$74,999 Premium

541,521 4.7 2,340,398 20.1 11,639,394 100.0

Average

$658 $727 $713

$75,000 to Exposure

1,854.0 8.2 2,402.0 10.6 22,732.5 100.0

$99,999 Premium

1,523,857 7.8 2,064,400 10.5 19,594,489 100.0

Average

$822 $859 $862

$100,000 to Exposure

4,461.2 8.5 1,560.8 3.0 52,357.6 100.0

$124,999 Premium

3,663,552 7.7 1,463,467 3.1 47,849,199 100.0

Average

$821 $938 $914

$125,000 to Exposure

8,628.3 8.6 837.8 0.8 100,444.0 100.0

$149,999 Premium

7,644,245 7.7 857,617 0.9 98,894,814 100.0

Average

$886 $1,024 $985

$150,000 to Exposure

12,479.0 9.0 656.5 0.5 138,023.8 100.0

$174,999 Premium

11,825,142 8.2 696,701 0.5 143,783,966 100.0

Average

$948 $1,061 $1,042

$175,000 to Exposure

13,527.0 8.9 291.9 0.2 151,243.9 100.0

$199,999 Premium

13,604,939 8.3 350,724 0.2 164,234,921 100.0

Average

$1,006 $1,201 $1,086

$200,000 to Exposure

47,787.8 9.9 548.8 0.1 484,615.5 100.0

$299,999 Premium

53,569,417 9.2 698,373 0.1 584,346,709 100.0

Average

$1,121 $1,273 $1,206

$300,000 to Exposure

25,724.4 10.1 76.3 0.0 254,726.5 100.0

$399,999 Premium

34,834,404 9.7 118,582 0.0 359,642,588 100.0

Average

$1,354 $1,555 $1,412

$400,000 to Exposure

13,501.8 11.0 18.7 0.0 123,124.0 100.0

$499,999 Premium

21,560,159 10.5 37,668 0.0 206,203,421 100.0

Average

$1,597 $2,018 $1,675

$500,000 and Exposure

25,637.9 16.5 19.9 0.0 155,480.6 100.0

Over Premium

72,179,853 18.4 50,215 0.0 391,415,951 100.0

Average

$2,815 $2,521 $2,517

Total Exposure

155,547.7 10.3 11,427.2 0.8 1,516,295.6 100.0

Premium

221,165,610 10.9 9,595,966 0.5 2,034,188,084 100.0

Average

$1,422 $840 $1,342

Table 4

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Tennessee

2021 Average Premium by Amount of Insurance

Total %HO-5 % HO-8 %

115

Insurance

Range

$49,999 and Exposure

29,096.0 31.6 7,706.1 8.4 9,502.3 10.3 15,803.6 17.2

Under Premium

12,637,121 17.9 6,367,868 9.0 7,636,421 10.8 17,658,945 25.0

Average

$434 $826 $804 $1,117

$50,000 to Exposure

22,399.4 22.7 12,905.7 13.1 20,386.3 20.7 14,502.4 14.7

$74,999 Premium

17,535,801 16.1 13,764,005 12.6 21,717,607 19.9 20,984,172 19.2

Average

$783 $1,067 $1,065 $1,447

$75,000 to Exposure

23,310.0 20.5 18,219.8 16.0 30,446.8 26.8 23,915.5 21.0

$99,999 Premium

20,404,091 14.3 22,895,087 16.1 37,954,976 26.6 35,350,088 24.8

Average

$875 $1,257 $1,247 $1,478

$100,000 to Exposure

20,342.2 11.8 36,068.6 21.0 41,674.9 24.2 58,748.0 34.1

$124,999 Premium

20,049,094 8.2 50,023,934 20.4 59,467,405 24.3 90,419,357 36.9

Average

$986 $1,387 $1,427 $1,539

$125,000 to Exposure

15,014.7 5.7 61,641.3 23.2 48,083.7 18.1 118,352.3 44.6

$149,999 Premium

16,539,023 4.1 89,664,616 22.1 78,715,511 19.4 183,248,588 45.1

Average

$1,102 $1,455 $1,637 $1,548

$150,000 to Exposure

11,532.8 3.0 91,296.1 23.8 49,683.8 13.0 195,527.3 51.0

$174,999 Premium

13,875,180 2.2 137,174,213 22.2 89,884,200 14.6 314,833,523 51.0

Average

$1,203 $1,503 $1,809 $1,610

$175,000 to Exposure

7,853.7 1.7 112,626.4 24.1 41,751.1 8.9 259,149.3 55.5

$199,999 Premium

10,010,871 1.3 176,055,385 22.3 81,640,102 10.4 435,720,820 55.3

Average

$1,275 $1,563 $1,955 $1,681

$200,000 to Exposure

15,674.1 0.9 400,902.4 21.8 95,519.7 5.2 1,131,895.2 61.6

$299,999 Premium

21,691,168 0.6 691,720,227 20.1 214,598,747 6.2 2,089,519,812 60.8

Average

$1,384 $1,725 $2,247 $1,846

$300,000 to Exposure

5,392.9 0.5 164,320.8 16.3 27,496.8 2.7 695,520.8 69.1

$399,999 Premium

8,542,632 0.4 328,511,044 14.9 74,947,050 3.4 1,509,361,064 68.4

Average

$1,584 $1,999 $2,726 $2,170

$400,000 to Exposure

2,012.3 0.4 77,531.5 15.5 8,759.1 1.8 356,456.8 71.3

$499,999 Premium

3,801,983 0.3 178,641,968 14.0 28,588,145 2.2 908,954,904 71.1

Average

$1,889 $2,304 $3,264 $2,550

$500,000 and Exposure

1,453.3 0.2 89,248.0 14.9 6,911.1 1.2 390,016.8 64.9

Over Premium

3,903,692 0.2 270,484,488 11.9 31,583,828 1.4 1,390,651,718 61.1

Average

$2,686 $3,031 $4,570 $3,566

Total Exposure

154,081.4 2.8 1,072,466.6 19.4 380,215.5 6.9 3,259,887.8 58.9

Premium

148,990,656 1.3 1,965,302,835 17.0 726,733,992 6.3 6,996,702,991 60.4

Average

$967 $1,833 $1,911 $2,146

DW % HO-1 % HO-2 % HO-3 %

2021 Average Premium by Amount of Insurance

Table 4

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Texas

116

Insurance

Range

$49,999 and Exposure

29,883.5 32.5 91,991.4 100.0

Under Premium

26,454,614 37.4 * 70,754,969 100.0

Average

$885 $769

$50,000 to Exposure

28,442.6 28.8 98,636.4 100.0

$74,999 Premium

35,187,111 32.2 * 109,188,696 100.0

Average

$1,237 $1,107

$75,000 to Exposure

17,721.6 15.6 113,613.7 100.0

$99,999 Premium

25,984,891 18.2 * 142,589,133 100.0

Average

$1,466 $1,255

$100,000 to Exposure

15,217.3 8.8 172,050.9 100.0

$124,999 Premium

25,126,590 10.3 * 245,086,380 100.0

Average

$1,651 $1,424

$125,000 to Exposure

22,421.3 8.4 265,513.2 100.0

$149,999 Premium

38,065,104 9.4 * 406,232,842 100.0

Average

$1,698 $1,530

$150,000 to Exposure

35,056.1 9.2 383,096.1 100.0

$174,999 Premium

61,189,300 9.9 * 616,956,416 100.0

Average

$1,745 $1,610

$175,000 to Exposure

45,944.6 9.8 467,325.0 100.0

$199,999 Premium

84,571,028 10.7 * 787,998,206 100.0

Average

$1,841 $1,686

$200,000 to Exposure

194,037.2 10.6 1,838,028.5 100.0

$299,999 Premium

421,073,786 12.2 * 3,438,603,740 100.0

Average

$2,170 $1,871

$300,000 to Exposure

113,085.3 11.2 1,005,816.5 100.0

$399,999 Premium

285,681,285 12.9 * 2,207,043,075 100.0

Average

$2,526 $2,194

$400,000 to Exposure

55,026.2 11.0 499,785.9 100.0

$499,999 Premium

159,194,860 12.4 * 1,279,181,860 100.0

Average

$2,893 $2,559

$500,000 and Exposure

112,978.0 18.8 600,607.3 100.0

Over Premium

579,646,290 25.5 * 2,276,270,016 100.0

Average

$5,131 $3,790

Total Exposure

669,813.5 12.1 5,536,464.8 100.0

Premium

1,742,174,859 15.0 * 11,579,905,333 100.0

Average

$2,601 $2,092

Table 4

HO-8 %

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Texas

Total %HO-5 %

117

Insurance

Range

$49,999 and Exposure

57.0 10.0 79.1 13.9 189.1 33.2

Under Premium

32,470 16.8 * 20,641 10.7 112,945 58.4

Average

$570 $261 $597

$50,000 to Exposure

58.0 17.7 2.0 0.6 25.4 7.7 209.9 63.9

$74,999 Premium

37,381 23.7 755 0.5 12,641 8.0 98,802 62.8

Average

$645 $378 $497 $471

$75,000 to Exposure

53.3 8.2 22.2 3.4 533.5 81.8

$99,999 Premium

24,888 8.1 * 10,553 3.5 253,809 83.0

Average

$467 $476 $476

$100,000 to Exposure

129.9 5.3 7.0 0.3 155.3 6.3 2,003.8 81.5

$124,999 Premium

49,191 3.9 1,969 0.2 73,658 5.9 1,046,917 84.0

Average

$379 $281 $474 $522

$125,000 to Exposure

135.3 1.9 6.7 0.1 493.3 6.8 5,944.9 82.4

$149,999 Premium

43,689 1.1 922 0.0 264,113 6.6 3,381,081 84.1

Average

$323 $138 $535 $569

$150,000 to Exposure

205.8 1.2 15.0 0.1 1,613.8 9.4 13,455.3 78.5

$174,999 Premium

73,682 0.7 6,066 0.1 930,575 9.2 8,140,080 80.3

Average

$358 $404 $577 $605

$175,000 to Exposure

264.2 0.9 13.2 0.0 2,832.5 9.5 22,924.3 76.5

$199,999 Premium

89,028 0.5 4,494 0.0 1,719,452 9.2 14,636,589 78.1

Average

$337 $341 $607 $638

$200,000 to Exposure

765.8 0.4 78.2 0.0 20,844.5 10.4 148,213.0 73.8

$299,999 Premium

363,839 0.3 34,470 0.0 14,322,692 10.5 101,251,704 74.1

Average

$475 $441 $687 $683

$300,000 to Exposure

396.8 0.2 45.3 0.0 17,130.5 10.1 123,566.7 72.8

$399,999 Premium

223,151 0.2 34,687 0.0 13,090,959 10.3 92,576,474 72.7

Average

$562 $765 $764 $749

$400,000 to Exposure

195.4 0.2 18.2 0.0 8,446.2 9.1 67,788.4 73.1

$499,999 Premium

158,182 0.2 15,786 0.0 7,327,004 9.2 57,763,757 72.4

Average

$809 $869 $867 $852

$500,000 and Exposure

205.8 0.2 30.3 0.0 8,023.4 7.3 79,889.0 73.1

Over Premium

163,966 0.1 21,447 0.0 10,092,156 6.6 106,825,259 70.1

Average

$797 $707 $1,258 $1,337

Total Exposure

2,467.3 0.4 215.8 0.0 59,666.0 9.5 464,717.9 73.7

Premium

1,259,467 0.2 120,596 0.0 47,864,444 9.0 386,087,417 72.7

Average

$510 $559 $802 $831

Table 4

DW % HO-1 % HO-2 % HO-3 %

Utah

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

118

Insurance

Range

$49,999 and Exposure

231.2 40.6 13.0 2.3 569.3 100.0

Under Premium

22,458 11.6 4,925 2.5 193,439 100.0

Average

$97 $379 $340

$50,000 to Exposure

16.3 5.0 16.8 5.1 328.5 100.0

$74,999 Premium

2,260 1.4 5,580 3.5 157,419 100.0

Average

$138 $331 $479

$75,000 to Exposure

28.3 4.3 15.3 2.3 652.6 100.0

$99,999 Premium

9,377 3.1 7,181 2.3 305,808 100.0

Average

$332 $468 $469

$100,000 to Exposure

146.1 5.9 15.8 0.6 2,457.8 100.0

$124,999 Premium

66,531 5.3 7,710 0.6 1,245,976 100.0

Average

$455 $490 $507

$125,000 to Exposure

614.2 8.5 17.7 0.2 7,212.0 100.0

$149,999 Premium

314,829 7.8 15,314 0.4 4,019,948 100.0

Average

$513 $867 $557

$150,000 to Exposure

1,827.5 10.7 14.1 0.1 17,131.4 100.0

$174,999 Premium

973,343 9.6 13,867 0.1 10,137,613 100.0

Average

$533 $985 $592

$175,000 to Exposure

3,909.4 13.1 10.9 0.0 29,954.4 100.0

$199,999 Premium

2,278,096 12.2 11,884 0.1 18,739,543 100.0

Average

$583 $1,089 $626

$200,000 to Exposure

30,866.6 15.4 29.0 0.0 200,797.0 100.0

$299,999 Premium

20,560,957 15.1 34,363 0.0 136,568,025 100.0

Average

$666 $1,185 $680

$300,000 to Exposure

28,538.2 16.8 0.4 0.0 169,677.9 100.0

$399,999 Premium

21,463,048 16.8 401 0.0 127,388,720 100.0

Average

$752 $962 $751

$400,000 to Exposure

16,253.1 17.5 2.5 0.0 92,703.8 100.0

$499,999 Premium

14,479,469 18.2 4,320 0.0 79,748,518 100.0

Average

$891 $1,728 $860

$500,000 and Exposure

21,063.3 19.3 1.5 0.0 109,213.4 100.0

Over Premium

35,169,725 23.1 9,697 0.0 152,282,250 100.0

Average

$1,670 $6,465 $1,394

Total Exposure

103,494.1 16.4 137.0 0.0 630,698.2 100.0

Premium

95,340,093 18.0 115,242 0.0 530,787,259 100.0

Average

$921 $841 $842

Table 4

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Utah

2021 Average Premium by Amount of Insurance

119

Insurance

Range

$49,999 and Exposure

391.3 41.8 401.9 42.9 55.0 5.9 42.2 4.5

Under Premium

74,034 24.0 188,196 61.1 23,766 7.7 15,156 4.9

Average

$189 $468 $432 $359

$50,000 to Exposure

203.7 26.4 212.6 27.5 170.5 22.1 156.6 20.3

$74,999 Premium

55,792 16.8 117,221 35.3 85,245 25.7 67,755 20.4

Average

$274 $551 $500 $433

$75,000 to Exposure

202.5 15.9 247.3 19.4 353.4 27.7 455.3 35.7

$99,999 Premium

74,977 10.9 149,097 21.7 220,223 32.1 234,998 34.3

Average

$370 $603 $623 $516

$100,000 to Exposure

230.0 12.0 236.1 12.3 376.2 19.6 1,014.5 53.0

$124,999 Premium

95,926 8.5 151,078 13.4 269,512 23.9 584,772 51.8

Average

$417 $640 $716 $576

$125,000 to Exposure

169.5 5.9 203.7 7.1 341.8 12.0 2,076.3 72.7

$149,999 Premium

88,909 4.8 141,162 7.7 260,087 14.2 1,300,925 70.9

Average

$525 $693 $761 $627

$150,000 to Exposure

184.7 3.7 197.8 4.0 338.9 6.8 4,118.3 82.3

$174,999 Premium

108,509 3.2 131,820 3.9 263,307 7.8 2,779,344 81.8

Average

$588 $667 $777 $675

$175,000 to Exposure

113.6 1.5 179.3 2.4 362.8 4.8 6,665.3 87.4

$199,999 Premium

75,368 1.4 137,774 2.5 272,006 4.9 4,854,187 87.4

Average

$664 $768 $750 $728

$200,000 to Exposure

367.0 0.7 411.7 0.8 1,749.7 3.3 47,368.3 88.1

$299,999 Premium

272,299 0.6 389,269 0.9 1,407,347 3.3 38,180,689 88.4

Average

$742 $946 $804 $806

$300,000 to Exposure

166.0 0.4 123.0 0.3 1,088.5 2.4 39,562.1 87.2

$399,999 Premium

133,367 0.3 147,547 0.3 1,073,370 2.5 37,697,445 87.5

Average

$803 $1,200 $986 $953

$400,000 to Exposure

95.8 0.4 26.4 0.1 376.8 1.6 20,471.8 85.5

$499,999 Premium

91,649 0.3 36,556 0.1 479,888 1.8 23,023,872 85.8

Average

$956 $1,384 $1,273 $1,125

$500,000 and Exposure

106.1 0.4 21.3 0.1 201.9 0.7 23,538.5 79.2

Over Premium

160,255 0.3 40,992 0.1 384,541 0.7 40,346,101 75.5

Average

$1,511 $1,922 $1,904 $1,714

Total Exposure

2,230.1 1.3 2,261.0 1.3 5,415.5 3.1 145,469.3 84.0

Premium

1,231,085 0.7 1,630,712 0.9 4,739,292 2.6 149,085,244 82.9

Average

$552 $721 $875 $1,025

DW % HO-1 % HO-2 % HO-3 %

Vermont

Table 4

2021 Average Premium by Amount of Insurance

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

120

Insurance

Range

$49,999 and Exposure

34.5 3.7 12.1 1.3 936.9 100.0

Under Premium

2,885 0.9 4,134 1.3 308,171 100.0

Average

$84 $342 $329

$50,000 to Exposure

19.0 2.5 9.6 1.2 771.9 100.0

$74,999 Premium

2,477 0.7 3,405 1.0 331,895 100.0

Average

$130 $355 $430

$75,000 to Exposure

4.2 0.3 11.8 0.9 1,274.5 100.0

$99,999 Premium

1,356 0.2 5,307 0.8 685,958 100.0

Average

$325 $448 $538

$100,000 to Exposure

37.0 1.9 22.2 1.2 1,915.9 100.0

$124,999 Premium

15,536 1.4 12,349 1.1 1,129,173 100.0

Average

$420 $557 $589

$125,000 to Exposure

52.8 1.8 13.0 0.5 2,857.2 100.0

$149,999 Premium

30,921 1.7 12,494 0.7 1,834,498 100.0

Average

$585 $961 $642

$150,000 to Exposure

140.6 2.8 23.5 0.5 5,003.7 100.0

$174,999 Premium

90,136 2.7 22,876 0.7 3,395,992 100.0

Average

$641 $973 $679

$175,000 to Exposure

290.5 3.8 11.0 0.1 7,622.5 100.0

$199,999 Premium

197,410 3.6 14,169 0.3 5,550,914 100.0

Average

$680 $1,288 $728

$200,000 to Exposure

3,854.8 7.2 19.7 0.0 53,771.2 100.0

$299,999 Premium

2,912,608 6.7 21,279 0.0 43,183,491 100.0

Average

$756 $1,082 $803

$300,000 to Exposure

4,410.3 9.7 10.3 0.0 45,360.2 100.0

$399,999 Premium

3,988,498 9.3 18,422 0.0 43,058,649 100.0

Average

$904 $1,797 $949

$400,000 to Exposure

2,986.1 12.5 23,957.0 100.0

$499,999 Premium

3,194,787 11.9 * 26,826,752 100.0

Average

$1,070 $1,120

$500,000 and Exposure

5,867.3 19.7 2.0 0.0 29,737.1 100.0

Over Premium

12,537,542 23.4 4,294 0.0 53,473,725 100.0

Average

$2,137 $2,147 $1,798

Total Exposure

17,697.1 10.2 135.1 0.1 173,208.0 100.0

Premium

22,974,156 12.8 118,729 0.1 179,779,218 100.0

Average

$1,298 $879 $1,038

Vermont

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Table 4

2021 Average Premium by Amount of Insurance

121

Insurance

Range

$49,999 and Exposure

1,659.5 19.5 123.3 1.4 946.3 11.1 4,271.0 50.2

Under Premium

483,858 28.6 28,519 1.7 309,981 18.3 658,293 38.9

Average

$292 $231 $328 $154

$50,000 to Exposure

1,691.7 39.2 86.0 2.0 200.5 4.6 1,418.2 32.9

$74,999 Premium

567,516 32.2 27,756 1.6 113,277 6.4 735,226 41.7

Average

$335 $323 $565 $518

$75,000 to Exposure

1,801.5 22.6 68.4 0.9 282.5 3.5 4,501.9 56.5

$99,999 Premium

670,937 16.4 25,254 0.6 175,356 4.3 2,607,881 63.6

Average

$372 $369 $621 $579

$100,000 to Exposure

2,378.0 9.5 64.0 0.3 1,372.4 5.5 18,630.3 74.3

$124,999 Premium

1,001,401 6.4 27,709 0.2 999,805 6.4 12,219,177 77.8

Average

$421 $433 $728 $656

$125,000 to Exposure

2,072.2 3.5 57.7 0.1 3,836.9 6.5 47,013.2 79.8

$149,999 Premium

923,638 2.2 28,314 0.1 3,133,223 7.5 33,915,680 81.4

Average

$446 $491 $817 $721

$150,000 to Exposure

1,996.3 2.1 40.3 0.0 6,712.6 7.0 77,439.8 80.3

$174,999 Premium

1,013,679 1.4 21,248 0.0 5,765,375 7.8 60,026,960 81.5

Average

$508 $528 $859 $775

$175,000 to Exposure

1,597.0 1.3 39.6 0.0 8,631.9 7.0 98,701.7 80.4

$199,999 Premium

791,625 0.8 21,349 0.0 7,764,721 7.7 82,162,756 81.8

Average

$496 $539 $900 $832

$200,000 to Exposure

4,261.2 0.8 58.7 0.0 36,502.4 6.9 431,775.9 81.4

$299,999 Premium

2,360,074 0.5 45,120 0.0 35,604,812 7.1 412,821,252 82.9

Average

$554 $769 $975 $956

$300,000 to Exposure

2,227.9 0.6 14.8 0.0 20,860.6 5.6 312,768.7 83.8

$399,999 Premium

1,120,060 0.3 14,889 0.0 22,823,702 5.4 361,593,118 85.5

Average

$503 $1,004 $1,094 $1,156

$400,000 to Exposure

1,321.2 0.6 3.7 0.0 10,340.2 4.8 183,806.0 85.1

$499,999 Premium

702,146 0.2 2,728 0.0 12,669,424 4.4 250,943,317 87.1

Average

$531 $744 $1,225 $1,365

$500,000 and Exposure

1,103.5 0.3 8.4 0.0 15,017.8 4.6 271,941.7 83.8

Over Premium

674,081 0.1 8,908 0.0 25,732,176 4.1 524,247,938 84.3

Average

$611 $1,058 $1,713 $1,928

Total Exposure

22,109.9 1.3 564.8 0.0 104,704.1 5.9 1,452,268.3 82.1

Premium

10,309,015 0.5 251,794 0.0 115,091,852 5.6 1,741,931,598 84.1

Average

$466 $446 $1,099 $1,199

HO-2 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Virginia

DW % HO-3 %HO-1 %

2021 Average Premium by Amount of Insurance

Table 4

122

Insurance

Range

$49,999 and Exposure

1,448.5 17.0 58.5 0.7 8,507.1 100.0

Under Premium

200,680 11.9 10,822 0.6 1,692,153 100.0

Average

$139 $185 $199

$50,000 to Exposure

800.4 18.6 116.2 2.7 4,312.9 100.0

$74,999 Premium

273,045 15.5 48,048 2.7 1,764,868 100.0

Average

$341 $414 $409

$75,000 to Exposure

1,213.3 15.2 105.3 1.3 7,972.9 100.0

$99,999 Premium

559,056 13.6 58,765 1.4 4,097,249 100.0

Average

$461 $558 $514

$100,000 to Exposure

2,551.2 10.2 85.7 0.3 25,081.6 100.0

$124,999 Premium

1,391,212 8.9 60,589 0.4 15,699,893 100.0

Average

$545 $707 $626

$125,000 to Exposure

5,910.0 10.0 46.3 0.1 58,936.2 100.0

$149,999 Premium

3,629,604 8.7 36,906 0.1 41,667,365 100.0

Average

$614 $798 $707

$150,000 to Exposure

10,253.4 10.6 43.8 0.0 96,486.2 100.0

$174,999 Premium

6,758,709 9.2 40,670 0.1 73,626,641 100.0

Average

$659 $928 $763

$175,000 to Exposure

13,708.4 11.2 18.3 0.0 122,696.8 100.0

$199,999 Premium

9,709,581 9.7 16,724 0.0 100,466,756 100.0

Average

$708 $916 $819

$200,000 to Exposure

57,789.2 10.9 56.8 0.0 530,444.1 100.0

$299,999 Premium

47,242,920 9.5 63,506 0.0 498,137,684 100.0

Average

$818 $1,119 $939

$300,000 to Exposure

37,485.3 10.0 9.9 0.0 373,367.2 100.0

$399,999 Premium

37,109,251 8.8 10,930 0.0 422,671,950 100.0

Average

$990 $1,102 $1,132

$400,000 to Exposure

20,471.0 9.5 12.3 0.0 215,954.3 100.0

$499,999 Premium

23,824,802 8.3 21,494 0.0 288,163,911 100.0

Average

$1,164 $1,743 $1,334

$500,000 and Exposure

36,575.3 11.3 8.1 0.0 324,654.7 100.0

Over Premium

71,484,464 11.5 11,597 0.0 622,159,164 100.0

Average

$1,954 $1,435 $1,916

Total Exposure

188,205.8 10.6 561.1 0.0 1,768,413.9 100.0

Premium

202,183,324 9.8 380,051 0.0 2,070,147,634 100.0

Average

$1,074 $677 $1,171

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Virginia

2021 Average Premium by Amount of Insurance

Table 4

123

Insurance

Range

$49,999 and Exposure

550.3 33.7 3.0 0.2 9.1 0.6 64.8 4.0

Under Premium

333,182 64.4 514 0.1 4,342 0.8 31,148 6.0

Average

$606 $171 $478 $481

$50,000 to Exposure

381.3 41.8 30.1 3.3 206.4 22.6

$74,999 Premium

235,429 53.4 * 6,834 1.6 101,901 23.1

Average

$617 $227 $494

$75,000 to Exposure

414.4 26.0 8.0 0.5 89.3 5.6 849.3 53.4

$99,999 Premium

224,745 27.8 1,555 0.2 25,881 3.2 425,528 52.7

Average

$542 $194 $290 $501

$100,000 to Exposure

689.8 12.9 7.0 0.1 268.8 5.0 3,909.5 73.2

$124,999 Premium

475,932 15.4 1,013 0.0 112,914 3.7 2,229,167 72.1

Average

$690 $145 $420 $570

$125,000 to Exposure

553.3 4.2 2.0 0.0 737.4 5.6 10,597.4 80.3

$149,999 Premium

377,095 4.7 881 0.0 368,087 4.6 6,509,216 81.1

Average

$682 $441 $499 $614

$150,000 to Exposure

662.1 2.3 11.0 0.0 1,540.8 5.2 24,150.8 82.2

$174,999 Premium

524,385 2.8 4,597 0.0 858,680 4.6 15,431,281 82.0

Average

$792 $418 $557 $639

$175,000 to Exposure

629.9 1.3 6.1 0.0 2,556.8 5.2 39,930.1 81.2

$199,999 Premium

534,650 1.6 2,938 0.0 1,570,525 4.7 27,182,989 81.2

Average

$849 $483 $614 $681

$200,000 to Exposure

2,355.8 0.6 76.1 0.0 25,847.1 6.6 300,651.3 76.4

$299,999 Premium

2,581,545 0.8 27,925 0.0 17,920,072 5.9 231,684,741 75.9

Average

$1,096 $367 $693 $771

$300,000 to Exposure

1,957.6 0.4 55.2 0.0 31,449.3 6.8 335,983.6 72.1

$399,999 Premium

2,188,542 0.5 33,273 0.0 24,941,685 5.9 300,418,223 71.3

Average

$1,118 $603 $793 $894

$400,000 to Exposure

1,132.1 0.4 37.0 0.0 19,258.8 6.3 211,570.8 69.2

$499,999 Premium

1,373,450 0.4 24,587 0.0 17,455,749 5.4 218,770,376 68.2

Average

$1,213 $665 $906 $1,034

$500,000 and Exposure

1,036.3 0.3 18.0 0.0 23,397.4 5.9 265,959.0 66.6

Over Premium

1,729,426 0.3 12,323 0.0 29,820,161 5.0 391,782,191 65.2

Average

$1,669 $685 $1,275 $1,473

Total Exposure

10,362.8 0.6 223.3 0.0 105,184.8 6.3 1,193,872.9 71.7

Premium

10,578,381 0.6 109,606 0.0 93,084,930 5.4 1,194,566,761 69.7

Average

$1,021 $491 $885 $1,001

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Washington

Table 4

2021 Average Premium by Amount of Insurance

HO-3 %DW % HO-1 % HO-2 %

124

Insurance

Range

$49,999 and Exposure

315.4 19.3 691.4 42.3 1,633.9 100.0

Under Premium

40,080 7.7 108,207 20.9 517,473 100.0

Average

$127 $157 $317

$50,000 to Exposure

85.3 9.3 209.8 23.0 912.9 100.0

$74,999 Premium

20,800 4.7 75,867 17.2 440,831 100.0

Average

$244 $362 $483

$75,000 to Exposure

56.3 3.5 174.0 10.9 1,591.3 100.0

$99,999 Premium

25,920 3.2 103,932 12.9 807,561 100.0

Average

$460 $597 $508

$100,000 to Exposure

348.2 6.5 116.2 2.2 5,339.3 100.0

$124,999 Premium

175,979 5.7 98,239 3.2 3,093,244 100.0

Average

$505 $846 $579

$125,000 to Exposure

1,240.1 9.4 61.3 0.5 13,191.5 100.0

$149,999 Premium

717,160 8.9 57,129 0.7 8,029,568 100.0

Average

$578 $931 $609

$150,000 to Exposure

2,982.2 10.1 42.1 0.1 29,388.8 100.0

$174,999 Premium

1,958,591 10.4 50,821 0.3 18,828,355 100.0

Average

$657 $1,208 $641

$175,000 to Exposure

6,000.2 12.2 37.7 0.1 49,160.8 100.0

$199,999 Premium

4,154,808 12.4 46,145 0.1 33,492,055 100.0

Average

$692 $1,225 $681

$200,000 to Exposure

64,271.3 16.3 66.0 0.0 393,267.7 100.0

$299,999 Premium

52,964,531 17.3 112,457 0.0 305,291,271 100.0

Average

$824 $1,704 $776

$300,000 to Exposure

96,316.9 20.7 10.4 0.0 465,772.9 100.0

$399,999 Premium

93,483,626 22.2 18,883 0.0 421,084,232 100.0

Average

$971 $1,813 $904

$400,000 to Exposure

73,523.2 24.1 5.6 0.0 305,527.5 100.0

$499,999 Premium

83,030,786 25.9 14,312 0.0 320,669,260 100.0

Average

$1,129 $2,563 $1,050

$500,000 and Exposure

108,725.4 27.2 4.0 0.0 399,140.2 100.0

Over Premium

177,877,532 29.6 12,316 0.0 601,233,949 100.0

Average

$1,636 $3,079 $1,506

Total Exposure

353,864.5 21.3 1,418.4 0.1 1,664,926.8 100.0

Premium

414,449,813 24.2 698,308 0.0 1,713,487,799 100.0

Average

$1,171 $492 $1,029

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Washington

Table 4

2021 Average Premium by Amount of Insurance

Total %HO-5 % HO-8 %

125

Insurance

Range

$49,999 and Exposure

850.8 39.5 106.4 4.9 218.0 10.1 574.9 26.7

Under Premium

272,402 30.3 33,053 3.7 88,632 9.9 322,045 35.8

Average

$320 $311 $407 $560

$50,000 to Exposure

766.1 17.1 266.7 6.0 446.1 10.0 2,112.8 47.3

$74,999 Premium

363,976 14.6 60,817 2.4 228,902 9.2 1,287,867 51.7

Average

$475 $228 $513 $610

$75,000 to Exposure

497.9 6.7 303.6 4.1 646.6 8.7 4,282.1 57.9

$99,999 Premium

277,769 6.0 82,519 1.8 373,604 8.1 2,745,108 59.4

Average

$558 $272 $578 $641

$100,000 to Exposure

434.7 3.0 237.4 1.6 895.9 6.2 10,182.3 70.8

$124,999 Premium

277,911 2.9 81,136 0.8 560,668 5.8 6,950,136 71.8

Average

$639 $342 $626 $683

$125,000 to Exposure

235.3 0.9 195.0 0.8 1,555.9 6.3 18,403.8 74.1

$149,999 Premium

143,656 0.8 74,868 0.4 971,768 5.5 13,599,837 76.4

Average

$611 $384 $625 $739

$150,000 to Exposure

247.2 0.7 115.9 0.3 2,482.1 7.3 24,757.2 72.3

$174,999 Premium

211,780 0.8 57,025 0.2 1,542,784 5.9 19,624,072 75.2

Average

$857 $492 $622 $793

$175,000 to Exposure

177.9 0.5 65.7 0.2 3,195.8 8.3 26,683.4 69.5

$199,999 Premium

116,785 0.4 39,679 0.1 2,047,959 6.6 22,767,878 73.1

Average

$656 $604 $641 $853

$200,000 to Exposure

377.0 0.3 144.2 0.1 13,243.8 10.4 83,668.8 65.9

$299,999 Premium

291,684 0.2 90,435 0.1 9,473,289 8.1 81,508,766 69.8

Average

$774 $627 $715 $974

$300,000 to Exposure

132.0 0.2 21.1 0.0 6,069.8 10.6 37,737.8 66.1

$399,999 Premium

107,959 0.2 16,182 0.0 5,278,184 8.3 43,975,004 69.4

Average

$818 $768 $870 $1,165

$400,000 to Exposure

41.8 0.2 5.8 0.0 1,985.2 9.2 14,769.8 68.3

$499,999 Premium

32,181 0.1 7,195 0.0 2,026,554 7.0 20,603,276 71.3

Average

$769 $1,251 $1,021 $1,395

$500,000 and Exposure

43.8 0.2 2.7 0.0 1,731.9 7.9 14,121.8 64.8

Over Premium

58,359 0.1 4,498 0.0 2,517,848 6.0 27,602,117 65.5

Average

$1,334 $1,687 $1,454 $1,955

Total Exposure

3,804.3 1.1 1,464.3 0.4 32,471.1 9.2 237,294.6 67.2

Premium

2,154,462 0.6 547,407 0.2 25,110,192 7.3 240,986,106 70.0

Average

$566 $374 $773 $1,016

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

West Virginia

DW % HO-1 % %HO-2 % HO-3

2021 Average Premium by Amount of Insurance

Table 4

126

Insurance

Range

$49,999 and Exposure

267.3 12.4 137.0 6.4 2,154.4 100.0

Under Premium

123,266 13.7 59,614 6.6 899,012 100.0

Average

$461 $435 $417

$50,000 to Exposure

720.5 16.1 155.3 3.5 4,467.4 100.0

$74,999 Premium

435,113 17.5 113,112 4.5 2,489,787 100.0

Average

$604 $728 $557

$75,000 to Exposure

1,585.0 21.4 77.6 1.0 7,392.8 100.0

$99,999 Premium

1,063,186 23.0 78,106 1.7 4,620,292 100.0

Average

$671 $1,007 $625

$100,000 to Exposure

2,565.1 17.8 74.4 0.5 14,389.8 100.0

$124,999 Premium

1,731,032 17.9 78,321 0.8 9,679,204 100.0

Average

$675 $1,052 $673

$125,000 to Exposure

4,405.3 17.7 33.8 0.1 24,829.2 100.0

$149,999 Premium

2,965,063 16.7 48,538 0.3 17,803,730 100.0

Average

$673 $1,435 $717

$150,000 to Exposure

6,585.3 19.2 42.6 0.1 34,230.2 100.0

$174,999 Premium

4,602,752 17.6 55,096 0.2 26,093,509 100.0

Average

$699 $1,294 $762

$175,000 to Exposure

8,282.0 21.6 8.9 0.0 38,413.8 100.0

$199,999 Premium

6,185,090 19.8 6,554 0.0 31,163,945 100.0

Average

$747 $735 $811

$200,000 to Exposure

29,465.9 23.2 34.9 0.0 126,934.6 100.0

$299,999 Premium

25,405,590 21.7 64,468 0.1 116,834,232 100.0

Average

$862 $1,846 $920

$300,000 to Exposure

13,138.8 23.0 9.3 0.0 57,108.7 100.0

$399,999 Premium

13,996,470 22.1 18,765 0.0 63,392,564 100.0

Average

$1,065 $2,029 $1,110

$400,000 to Exposure

4,827.4 22.3 6.0 0.0 21,636.0 100.0

$499,999 Premium

6,220,354 21.5 22,459 0.1 28,912,019 100.0

Average

$1,289 $3,743 $1,336

$500,000 and Exposure

5,887.1 27.0 21,787.2 100.0

Over Premium

11,978,083 28.4 * 42,160,905 100.0

Average

$2,035 $1,935

Total Exposure

77,729.7 22.0 579.8 0.2 353,343.8 100.0

Premium

74,705,999 21.7 545,033 0.2 344,049,199 100.0

Average

$961 $940 $974

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

West Virginia

2021 Average Premium by Amount of Insurance

Table 4

127

Insurance

Range

$49,999 and Exposure

982.3 11.8 183.2 2.2 545.3 6.6 5,172.2 62.3

Under Premium

290,915 15.7 38,668 2.1 186,245 10.1 1,062,672 57.5

Average

$296 $211 $342 $205

$50,000 to Exposure

747.1 13.4 99.5 1.8 557.5 10.0 3,066.4 55.0

$74,999 Premium

336,490 15.5 28,304 1.3 266,760 12.3 1,134,895 52.4

Average

$450 $284 $478 $370

$75,000 to Exposure

772.3 8.9 44.4 0.5 656.4 7.6 5,859.3 67.9

$99,999 Premium

429,499 10.0 14,893 0.3 343,117 8.0 2,875,005 66.6

Average

$556 $335 $523 $491

$100,000 to Exposure

855.9 4.6 46.0 0.2 932.3 5.0 14,371.6 76.9

$124,999 Premium

585,815 5.6 19,976 0.2 564,797 5.4 7,892,132 76.1

Average

$684 $434 $606 $549

$125,000 to Exposure

578.2 1.7 20.5 0.1 1,275.3 3.6 27,433.8 78.3

$149,999 Premium

401,789 2.0 9,262 0.0 793,695 3.9 16,124,220 78.5

Average

$695 $452 $622 $588

$150,000 to Exposure

584.9 0.9 33.7 0.1 2,354.9 3.5 50,365.0 75.7

$174,999 Premium

476,243 1.2 16,474 0.0 1,511,019 3.7 30,513,540 75.6

Average

$814 $489 $642 $606

$175,000 to Exposure

385.3 0.4 7.7 0.0 4,149.3 4.1 72,796.3 72.3

$199,999 Premium

313,318 0.5 7,137 0.0 2,649,089 4.2 45,803,754 72.3

Average

$813 $931 $638 $629

$200,000 to Exposure

975.2 0.2 25,377.5 4.5 378,593.5 67.6

$299,999 Premium

1,029,938 0.3 * 18,421,086 4.7 262,756,209 66.8

Average

$1,056 $726 $694

$300,000 to Exposure

357.0 0.1 20,338.2 4.7 279,017.2 64.2

$399,999 Premium

505,990 0.1 * 17,301,271 5.0 214,525,487 62.1

Average

$1,417 $851 $769

$400,000 to Exposure

146.5 0.1 7,916.9 4.0 129,430.5 65.1

$499,999 Premium

228,406 0.1 * 7,886,869 4.3 114,111,014 62.7

Average

$1,559 $996 $882

$500,000 and Exposure

131.3 0.1 3.5 0.0 6,261.4 3.3 123,200.7 65.2

Over Premium

199,119 0.1 4,354 0.0 8,715,216 3.5 152,385,775 61.5

Average

$1,517 $1,244 $1,392 $1,237

Total Exposure

6,515.9 0.4 418.0 0.0 70,364.9 4.3 1,089,306.3 67.0

Premium

4,797,522 0.4 136,689 0.0 58,639,164 4.5 849,184,703 64.7

Average

$736 $327 $833 $780

HO-3 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Wisconsin

DW % HO-1 % HO-2 %

2021 Average Premium by Amount of Insurance

Table 4

128

Insurance

Range

$49,999 and Exposure

1,153.8 13.9 267.0 3.2 8,303.8 100.0

Under Premium

197,131 10.7 72,205 3.9 1,847,836 100.0

Average

$171 $270 $223

$50,000 to Exposure

706.6 12.7 393.3 7.1 5,570.3 100.0

$74,999 Premium

237,409 11.0 162,004 7.5 2,165,862 100.0

Average

$336 $412 $389

$75,000 to Exposure

1,014.7 11.8 283.3 3.3 8,630.3 100.0

$99,999 Premium

494,600 11.5 157,918 3.7 4,315,032 100.0

Average

$487 $558 $500

$100,000 to Exposure

2,233.3 12.0 249.0 1.3 18,688.0 100.0

$124,999 Premium

1,129,639 10.9 177,096 1.7 10,369,455 100.0

Average

$506 $711 $555

$125,000 to Exposure

5,598.6 16.0 126.3 0.4 35,032.6 100.0

$149,999 Premium

3,101,718 15.1 98,710 0.5 20,529,394 100.0

Average

$554 $781 $586

$150,000 to Exposure

13,095.6 19.7 137.8 0.2 66,571.9 100.0

$174,999 Premium

7,702,674 19.1 134,173 0.3 40,354,123 100.0

Average

$588 $973 $606

$175,000 to Exposure

23,325.5 23.2 49.8 0.0 100,713.8 100.0

$199,999 Premium

14,491,519 22.9 46,422 0.1 63,311,239 100.0

Average

$621 $933 $629

$200,000 to Exposure

155,408.9 27.7 114.9 0.0 560,459.4 100.0

$299,999 Premium

110,996,531 28.2 122,322 0.0 393,325,660 100.0

Average

$714 $1,064 $702

$300,000 to Exposure

134,809.4 31.0 26.7 0.0 434,540.3 100.0

$399,999 Premium

112,974,059 32.7 34,034 0.0 345,339,702 100.0

Average

$838 $1,276 $795

$400,000 to Exposure

61,367.3 30.9 10.0 0.0 198,869.6 100.0

$499,999 Premium

59,869,862 32.9 12,814 0.0 182,108,151 100.0

Average

$976 $1,281 $916

$500,000 and Exposure

59,375.3 31.4 6.0 0.0 188,978.2 100.0

Over Premium

86,618,821 34.9 13,636 0.0 247,936,921 100.0

Average

$1,459 $2,273 $1,312

Total Exposure

458,089.0 28.2 1,664.0 0.1 1,626,358.1 100.0

Premium

397,813,963 30.3 1,031,334 0.1 1,311,603,375 100.0

Average

$868 $620 $806

HO-8

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Wisconsin

Total %HO-5 % %

2021 Average Premium by Amount of Insurance

Table 4

129

Insurance

Range

$49,999 and Exposure

105.4 58.7 43.7 24.3

Under Premium

91,426 73.6 * * 22,137 17.8

Average

$867 $507

$50,000 to Exposure

44.8 25.0 1.0 0.6 91.1 50.9

$74,999 Premium

32,979 32.1 * 729 0.7 56,530 55.0

Average

$737 $729 $621

$75,000 to Exposure

55.7 10.6 7.0 1.3 395.8 75.6

$99,999 Premium

36,549 10.3 * 2,634 0.7 281,265 79.0

Average

$657 $376 $711

$100,000 to Exposure

112.6 6.4 31.8 1.8 1,423.5 81.5

$124,999 Premium

74,297 5.1 * 14,847 1.0 1,216,140 82.9

Average

$660 $466 $854

$125,000 to Exposure

143.6 3.5 83.3 2.0 3,442.3 83.0

$149,999 Premium

93,146 2.3 * 59,570 1.5 3,395,168 83.1

Average

$649 $716 $986

$150,000 to Exposure

161.9 2.2 156.4 2.1 5,926.4 80.1

$174,999 Premium

124,635 1.6 * 134,685 1.7 6,269,943 79.5

Average

$770 $861 $1,058

$175,000 to Exposure

130.5 1.4 2.0 0.0 265.9 2.8 7,463.0 77.8

$199,999 Premium

118,930 1.1 2,112 0.0 239,545 2.2 8,378,096 76.8

Average

$911 $1,056 $901 $1,123

$200,000 to Exposure

302.1 0.7 1.0 0.0 1,083.8 2.5 33,177.1 76.7

$299,999 Premium

319,904 0.6 1,262 0.0 1,307,589 2.3 42,011,248 74.6

Average

$1,059 $1,262 $1,207 $1,266

$300,000 to Exposure

120.4 0.5 451.4 1.8 19,657.6 77.1

$399,999 Premium

173,628 0.5 * 693,927 1.8 28,201,527 74.0

Average

$1,442 $1,537 $1,435

$400,000 to Exposure

31.9 0.3 123.8 1.1 9,011.5 79.2

$499,999 Premium

48,145 0.3 * 209,610 1.1 14,559,606 75.8

Average

$1,508 $1,694 $1,616

$500,000 and Exposure

27.4 0.2 84.3 0.6 10,470.3 76.9

Over Premium

38,397 0.1 * 205,735 0.5 26,094,416 66.7

Average

$1,400 $2,442 $2,492

Total Exposure

1,236.3 1.1 3.0 0.0 2,288.6 1.9 91,102.3 77.5

Premium

1,152,036 0.6 3,374 0.0 2,868,871 1.6 130,486,076 73.4

Average

$932 $1,125 $1,254 $1,432

% HO-3 %

2021 Average Premium by Amount of Insurance

HO-2 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Wyoming

DW % HO-1

Table 4

130

Insurance

Range

$49,999 and Exposure

7.5 4.2 23.0 12.8 179.6 100.0

Under Premium

1,748 1.4 8,875 7.1 124,186 100.0

Average

$233 $386 $692

$50,000 to Exposure

1.3 0.7 40.8 22.8 178.9 100.0

$74,999 Premium

271 0.3 12,235 11.9 102,744 100.0

Average

$203 $300 $574

$75,000 to Exposure

16.0 3.1 48.9 9.3 523.4 100.0

$99,999 Premium

12,494 3.5 23,183 6.5 356,125 100.0

Average

$781 $474 $680

$100,000 to Exposure

132.2 7.6 46.0 2.6 1,746.1 100.0

$124,999 Premium

128,535 8.8 33,513 2.3 1,467,332 100.0

Average

$973 $729 $840

$125,000 to Exposure

449.7 10.8 26.9 0.6 4,145.7 100.0

$149,999 Premium

513,435 12.6 22,360 0.5 4,083,679 100.0

Average

$1,142 $831 $985

$150,000 to Exposure

1,122.5 15.2 33.4 0.5 7,400.7 100.0

$174,999 Premium

1,324,236 16.8 29,689 0.4 7,883,188 100.0

Average

$1,180 $888 $1,065

$175,000 to Exposure

1,710.7 17.8 17.0 0.2 9,589.1 100.0

$199,999 Premium

2,151,178 19.7 17,920 0.2 10,907,781 100.0

Average

$1,258 $1,054 $1,138

$200,000 to Exposure

8,656.3 20.0 25.1 0.1 43,245.3 100.0

$299,999 Premium

12,634,852 22.4 30,582 0.1 56,305,437 100.0

Average

$1,460 $1,219 $1,302

$300,000 to Exposure

5,274.0 20.7 5.2 0.0 25,508.6 100.0

$399,999 Premium

9,031,057 23.7 8,819 0.0 38,108,958 100.0

Average

$1,712 $1,707 $1,494

$400,000 to Exposure

2,204.2 19.4 2.0 0.0 11,373.3 100.0

$499,999 Premium

4,398,608 22.9 3,549 0.0 19,219,518 100.0

Average

$1,996 $1,775 $1,690

$500,000 and Exposure

3,028.5 22.3 0.2 0.0 13,610.7 100.0

Over Premium

12,790,956 32.7 771 0.0 39,130,275 100.0

Average

$4,224 $4,626 $2,875

Total Exposure

22,602.8 19.2 268.4 0.2 117,501.3 100.0

Premium

42,987,370 24.2 191,496 0.1 177,689,223 100.0

Average

$1,902 $713 $1,512

Total %HO-5 % HO-8 %

Dwelling Fire and Homeowners Owner-Occupied Policy Forms

Wyoming

Table 4

2021 Average Premium by Amount of Insurance

131

Table 5

2021 Average Premium

by Policy Form by Amount of Insurance

Homeowners Tenants and Condominium/

Cooperative Unit Policy Forms

132

Insurance

Range

$13,999 and Exposure

4,918,513.4 88.0 670,735.7 12.0 5,589,249.1 100.0

Under Premium

638,687,802 70.7 265,178,634 29.3 903,866,436 100.0

Average

$130 $395 $162

$14,000 to Exposure

3,138,039.2 90.9 313,700.9 9.1 3,451,740.1 100.0

$19,999 Premium

440,612,577 78.0 124,410,628 22.0 565,023,205 100.0

Average

$140 $397 $164

$20,000 to Exposure

4,863,200.4 84.9 865,422.8 15.1 5,728,623.2 100.0

$25,999 Premium

772,395,232 68.9 347,981,196 31.1 1,120,376,429 100.0

Average

$159 $402 $196

$26,000 to Exposure

2,136,470.4 79.1 564,734.1 20.9 2,701,204.5 100.0

$31,999 Premium

374,854,168 60.9 240,915,589 39.1 615,769,757 100.0

Average

$175 $427 $228

$32,000 to Exposure

827,573.5 70.3 350,162.6 29.7 1,177,736.1 100.0

$37,999 Premium

141,123,285 47.1 158,203,586 52.9 299,326,871 100.0

Average

$171 $452 $254

$38,000 to Exposure

689,012.9 67.2 336,545.3 32.8 1,025,558.2 100.0

$43,999 Premium

139,948,753 48.1 150,758,529 51.9 290,707,282 100.0

Average

$203 $448 $283

$44,000 to Exposure

266,522.3 59.4 181,806.1 40.6 448,328.4 100.0

$49,999 Premium

50,837,264 38.0 83,041,194 62.0 133,878,458 100.0

Average

$191 $457 $299

$50,000 to Exposure

1,601,430.7 53.9 1,367,399.6 46.1 2,968,830.3 100.0

$74,999 Premium

366,948,213 34.2 706,289,737 65.8 1,073,237,950 100.0

Average

$229 $517 $362

$75,000 to Exposure

365,925.5 39.4 563,373.3 60.6 929,298.8 100.0

$99,999 Premium

103,784,076 24.4 321,924,144 75.6 425,708,220 100.0

Average

$284 $571 $458

$100,000 and Exposure

656,173.7 36.5 1,139,213.5 63.5 1,795,387.2 100.0

Over Premium

283,491,355 22.5 976,317,832 77.5 1,259,809,187 100.0

Average

$432 $857 $702

Total Exposure

19,462,862.2 75.4 6,353,093.9 24.6 25,815,956.0 100.0

Premium

3,312,682,726 49.5 3,375,021,069 50.5 6,687,703,795 100.0

Average

$170 $531 $259

Table 5

2021 Average Premium by Amount of Insurance

% Total %HO-4 % HO-6

Countrywide

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

133

Insurance

Range

$13,999 and Exposure

62,212.2 94.3 3,756.6 5.7 65,968.8 100.0

Under Premium

10,552,481 88.4 1,383,254 11.6 11,935,735 100.0

Average

$170 $368 $181

$14,000 to Exposure

27,988.9 93.6 1,922.7 6.4 29,911.6 100.0

$19,999 Premium

5,551,702 84.9 990,800 15.1 6,542,502 100.0

Average

$198 $515 $219

$20,000 to Exposure

49,906.9 92.7 3,917.3 7.3 53,824.2 100.0

$25,999 Premium

10,676,788 82.1 2,327,053 17.9 13,003,841 100.0

Average

$214 $594 $242

$26,000 to Exposure

15,293.8 87.3 2,233.7 12.7 17,527.5 100.0

$31,999 Premium

3,713,039 73.1 1,363,748 26.9 5,076,787 100.0

Average

$243 $611 $290

$32,000 to Exposure

5,818.3 85.7 972.4 14.3 6,790.7 100.0

$37,999 Premium

1,394,355 71.8 547,553 28.2 1,941,908 100.0

Average

$240 $563 $286

$38,000 to Exposure

4,703.2 82.4 1,003.8 17.6 5,707.0 100.0

$43,999 Premium

1,350,796 67.2 658,952 32.8 2,009,748 100.0

Average

$287 $656 $352

$44,000 to Exposure

1,915.0 79.3 500.9 20.7 2,415.9 100.0

$49,999 Premium

508,157 63.4 292,821 36.6 800,978 100.0

Average

$265 $585 $332

$50,000 to Exposure

13,396.5 79.1 3,549.9 20.9 16,946.4 100.0

$74,999 Premium

4,150,638 63.1 2,424,041 36.9 6,574,679 100.0

Average

$310 $683 $388

$75,000 to Exposure

3,204.7 70.5 1,341.5 29.5 4,546.2 100.0

$99,999 Premium

1,214,242 55.7 965,459 44.3 2,179,701 100.0

Average

$379 $720 $479

$100,000 and Exposure

6,407.9 70.7 2,655.4

29.3 9,063.3 100.0

Over Premium

3,182,384 53.2 2,794,354 46.8 5,976,738 100.0

Average

$497 $1,052 $659

Total Exposure

190,847.3 89.7 21,854.2 10.3 212,701.5 100.0

Premium

42,294,582 75.5 13,748,035 24.5 56,042,617 100.0

Average

$222 $629 $263

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Alabama

Total %

Table 5

HO-4 % HO-6 %

134

Insurance

Range

$13,999 and Exposure

10,596.8 83.7 2,069.0 16.3 12,665.8 100.0

Under Premium

1,456,695 72.1 563,234 27.9 2,019,929 100.0

Average

$137 $272 $159

$14,000 to Exposure

3,321.6 89.0 410.6 11.0 3,732.2 100.0

$19,999 Premium

518,288 79.2 136,022 20.8 654,310 100.0

Average

$156 $331 $175

$20,000 to Exposure

8,293.6 89.3 994.8 10.7 9,288.3 100.0

$25,999 Premium

1,317,741 77.1 391,809 22.9 1,709,550 100.0

Average

$159 $394 $184

$26,000 to Exposure

4,349.0 81.2 1,008.0 18.8 5,357.0 100.0

$31,999 Premium

748,980 64.4 414,530 35.6 1,163,510 100.0

Average

$172 $411 $217

$32,000 to Exposure

2,063.9 71.9 806.3 28.1 2,870.2 100.0

$37,999 Premium

343,976 52.6 309,755 47.4 653,731 100.0

Average

$167 $384 $228

$38,000 to Exposure

1,414.5 70.5 593.0 29.5 2,007.5 100.0

$43,999 Premium

292,094 55.0 238,961 45.0 531,055 100.0

Average

$206 $403 $265

$44,000 to Exposure

754.8 60.3 496.5 39.7 1,251.3 100.0

$49,999 Premium

150,270 43.7 193,792 56.3 344,062 100.0

Average

$199 $390 $275

$50,000 to Exposure

4,008.7 57.1 3,009.8 42.9 7,018.5 100.0

$74,999 Premium

945,271 40.7 1,378,386 59.3 2,323,657 100.0

Average

$236 $458 $331

$75,000 to Exposure

957.5 44.7 1,185.9 55.3 2,143.4 100.0

$99,999 Premium

290,530 32.8 595,282 67.2 885,812 100.0

Average

$303 $502 $413

$100,000 and Exposure

1,821.5 48.3 1,948.7

51.7 3,770.2 100.0

Over Premium

866,172 41.3 1,229,747 58.7 2,095,919 100.0

Average

$476 $631 $556

Total Exposure

37,581.8 75.0 12,522.5 25.0 50,104.3 100.0

Premium

6,930,017 56.0 5,451,518 44.0 12,381,535 100.0

Average

$184 $435 $247

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Alaska

HO-4 % HO-6 % Total %

Table 5

135

Insurance

Range

$13,999 and Exposure

155,623.0 87.3 22,576.7 12.7 178,199.7 100.0

Under Premium

20,128,185 70.7 8,332,306 29.3 28,460,491 100.0

Average

$129 $369 $160

$14,000 to Exposure

48,539.1 86.0 7,895.2 14.0 56,434.3 100.0

$19,999 Premium

7,038,941 68.7 3,199,954 31.3 10,238,895 100.0

Average

$145 $405 $181

$20,000 to Exposure

105,290.8 85.6 17,720.1 14.4 123,010.8 100.0

$25,999 Premium

16,255,751 70.8 6,706,177 29.2 22,961,928 100.0

Average

$154 $378 $187

$26,000 to Exposure

40,658.7 75.1 13,447.6 24.9 54,106.3 100.0

$31,999 Premium

6,726,263 54.5 5,620,626 45.5 12,346,889 100.0

Average

$165 $418 $228

$32,000 to Exposure

16,926.5 68.6 7,759.2 31.4 24,685.7 100.0

$37,999 Premium

2,965,552 47.1 3,327,701 52.9 6,293,253 100.0

Average

$175 $429 $255

$38,000 to Exposure

11,948.5 55.0 9,758.3 45.0 21,706.8 100.0

$43,999 Premium

2,232,130 37.8 3,669,689 62.2 5,901,819 100.0

Average

$187 $376 $272

$44,000 to Exposure

5,305.3 54.3 4,470.8 45.7 9,776.2 100.0

$49,999 Premium

951,689 32.8 1,948,155 67.2 2,899,844 100.0

Average

$179 $436 $297

$50,000 to Exposure

33,378.8 54.2 28,159.7 45.8 61,538.4 100.0

$74,999 Premium

6,857,752 34.3 13,109,876 65.7 19,967,628 100.0

Average

$205 $466 $324

$75,000 to Exposure

8,596.8 48.4 9,151.3 51.6 17,748.1 100.0

$99,999 Premium

2,106,007 29.9 4,929,154 70.1 7,035,161 100.0

Average

$245 $539 $396

$100,000 and Exposure

15,758.5 54.9 12,928.1 45.1 28,686.6 100.0

Over Premium

5,341,073 36.9 9,116,287 63.1 14,457,360 100.0

Average

$339 $705 $504

Total Exposure

442,025.9 76.8 133,866.8 23.2 575,892.8 100.0

Premium

70,603,343 54.1 59,959,925 45.9 130,563,268 100.0

Average

$160 $448 $227

Table 5

HO-4 % HO-6 %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Arizona

Total %

136

Insurance

Range

$13,999 and Exposure

23,766.6 96.7 817.3 3.3 24,583.8 100.0

Under Premium

3,749,058 91.9 331,273 8.1 4,080,331 100.0

Average

$158 $405 $166

$14,000 to Exposure

11,281.1 97.9 236.6 2.1 11,517.7 100.0

$19,999 Premium

2,335,950 95.6 108,090 4.4 2,444,040 100.0

Average

$207 $457 $212

$20,000 to Exposure

32,583.9 98.0 680.3 2.0 33,264.3 100.0

$25,999 Premium

5,848,108 95.1 300,607 4.9 6,148,715 100.0

Average

$179 $442 $185

$26,000 to Exposure

8,522.2 94.3 512.0 5.7 9,034.2 100.0

$31,999 Premium

1,882,843 88.9 234,162 11.1 2,117,005 100.0

Average

$221 $457 $234

$32,000 to Exposure

3,625.8 91.9 321.2 8.1 3,947.0 100.0

$37,999 Premium

804,099 84.1 151,522 15.9 955,621 100.0

Average

$222 $472 $242

$38,000 to Exposure

3,086.1 90.7 315.6 9.3 3,401.7 100.0

$43,999 Premium

763,933 83.0 156,415 17.0 920,348 100.0

Average

$248 $496 $271

$44,000 to Exposure

1,065.1 84.6 194.5 15.4 1,259.6 100.0

$49,999 Premium

250,118 72.6 94,175 27.4 344,293 100.0

Average

$235 $484 $273

$50,000 to Exposure

8,004.3 83.8 1,544.3 16.2 9,548.6 100.0

$74,999 Premium

2,223,311 72.2 855,079 27.8 3,078,390 100.0

Average

$278 $554 $322

$75,000 to Exposure

1,827.2 72.5 694.3 27.5 2,521.4 100.0

$99,999 Premium

631,477 59.7 426,543 40.3 1,058,020 100.0

Average

$346 $614 $420

$100,000 and Exposure

3,570.2 71.1 1,452.2 28.9 5,022.3 100.0

Over Premium

1,581,382 53.0 1,404,743 47.0 2,986,125 100.0

Average

$443 $967 $595

Total Exposure

97,332.4 93.5 6,768.1 6.5 104,100.5 100.0

Premium

20,070,279 83.2 4,062,609 16.8 24,132,888 100.0

Average

$206 $600 $232

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Arkansas

HO-4 % HO-6 % Total %

137

Insurance

Range

$13,999 and Exposure

462,514.8 73.3 168,824.6 26.7 631,339.4 100.0

Under Premium

61,845,143 43.4 80,812,418 56.6 142,657,561 100.0

Average

$134 $479 $226

$14,000 to Exposure

571,154.5 89.5 67,173.3 10.5 638,327.8 100.0

$19,999 Premium

71,370,944 67.8 33,837,987 32.2 105,208,931 100.0

Average

$125 $504 $165

$20,000 to Exposure

661,236.2 86.2 106,097.2 13.8 767,333.4 100.0

$25,999 Premium

102,585,946 65.3 54,620,287 34.7 157,206,234 100.0

Average

$155 $515 $205

$26,000 to Exposure

343,217.2 79.4 88,921.6 20.6 432,138.8 100.0

$31,999 Premium

60,271,678 57.2 45,108,870 42.8 105,380,548 100.0

Average

$176 $507 $244

$32,000 to Exposure

112,691.0 73.3 41,071.7 26.7 153,762.7 100.0

$37,999 Premium

19,629,430 47.6 21,606,864 52.4 41,236,294 100.0

Average

$174 $526 $268

$38,000 to Exposure

132,875.7 76.8 40,145.8 23.2 173,021.5 100.0

$43,999 Premium

28,024,143 56.3 21,738,057 43.7 49,762,200 100.0

Average

$211 $541 $288

$44,000 to Exposure

39,160.1 61.1 24,961.4 38.9 64,121.5 100.0

$49,999 Premium

7,851,698 37.5 13,104,542 62.5 20,956,240 100.0

Average

$201 $525 $327

$50,000 to Exposure

241,359.3 53.6 209,254.2 46.4 450,613.5 100.0

$74,999 Premium

60,472,153 32.2 127,270,919 67.8 187,743,072 100.0

Average

$251 $608 $417

$75,000 to Exposure

48,413.9 31.7 104,405.5 68.3 152,819.5 100.0

$99,999 Premium

15,536,816 18.6 67,987,392 81.4 83,524,208 100.0

Average

$321 $651 $547

$100,000 and Exposure

99,738.6 35.3 182,422.4 64.7 282,161.0 100.0

Over Premium

52,725,749 22.6 181,004,577 77.4 233,730,326 100.0

Average

$529 $992 $828

Total Exposure

2,712,361.3 72.4 1,033,277.7 27.6 3,745,639.0 100.0

Premium

480,313,701 42.6 647,091,913 57.4 1,127,405,614 100.0

Average

$177 $626 $301

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

California

Total %HO-4 % HO-6 %

138

Insurance

Range

$13,999 and Exposure

144,433.9 81.0 33,794.7 19.0 178,228.6 100.0

Under Premium

18,979,828 61.3 11,971,013 38.7 30,950,841 100.0

Average

$131 $354 $174

$14,000 to Exposure

46,272.8 82.8 9,616.4 17.2 55,889.3 100.0

$19,999 Premium

6,824,390 65.6 3,580,686 34.4 10,405,076 100.0

Average

$147 $372 $186

$20,000 to Exposure

102,145.1 80.1 25,390.0 19.9 127,535.1 100.0

$25,999 Premium

15,362,486 61.8 9,485,071 38.2 24,847,557 100.0

Average

$150 $374 $195

$26,000 to Exposure

56,810.0 74.4 19,562.8 25.6 76,372.8 100.0

$31,999 Premium

9,053,629 52.4 8,208,515 47.6 17,262,144 100.0

Average

$159 $420 $226

$32,000 to Exposure

21,799.8 65.7 11,399.5 34.3 33,199.3 100.0

$37,999 Premium

3,346,637 41.0 4,822,542 59.0 8,169,179 100.0

Average

$154 $423 $246

$38,000 to Exposure

17,339.7 51.0 16,659.9 49.0 33,999.6 100.0

$43,999 Premium

2,985,811 34.2 5,732,375 65.8 8,718,186 100.0

Average

$172 $344 $256

$44,000 to Exposure

7,624.1 55.1 6,201.7 44.9 13,825.8 100.0

$49,999 Premium

1,208,928 31.3 2,655,022 68.7 3,863,950 100.0

Average

$159 $428 $279

$50,000 to Exposure

47,183.6 49.0 49,180.3 51.0 96,363.9 100.0

$74,999 Premium

8,576,715 26.7 23,562,395 73.3 32,139,110 100.0

Average

$182 $479 $334

$75,000 to Exposure

11,524.4 35.9 20,577.1 64.1 32,101.5 100.0

$99,999 Premium

2,585,456 18.8 11,172,740 81.2 13,758,196 100.0

Average

$224 $543 $429

$100,000 and Exposure

22,134.8 36.2 39,023.9 63.8 61,158.8 100.0

Over Premium

6,884,952 18.2 30,880,243 81.8 37,765,195 100.0

Average

$311 $791 $617

Total Exposure

477,268.3 67.3 231,406.3 32.7 708,674.5 100.0

Premium

75,808,832 40.3 112,070,602 59.7 187,879,434 100.0

Average

$159 $484 $265

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Colorado

HO-4 % HO-6 % Total %

139

Insurance

Range

$13,999 and Exposure

56,452.4 84.5 10,383.3 15.5 66,835.8 100.0

Under Premium

6,477,220 70.4 2,719,093 29.6 9,196,313 100.0

Average

$115 $262 $138

$14,000 to Exposure

31,775.8 83.5 6,256.8 16.5 38,032.5 100.0

$19,999 Premium

4,493,452 70.3 1,897,717 29.7 6,391,169 100.0

Average

$141 $303 $168

$20,000 to Exposure

50,063.6 83.1 10,179.2 16.9 60,242.8 100.0

$25,999 Premium

7,630,530 71.3 3,078,229 28.7 10,708,759 100.0

Average

$152 $302 $178

$26,000 to Exposure

23,050.3 70.1 9,844.3 29.9 32,894.6 100.0

$31,999 Premium

4,239,696 56.6 3,254,109 43.4 7,493,805 100.0

Average

$184 $331 $228

$32,000 to Exposure

9,031.7 57.7 6,626.6 42.3 15,658.3 100.0

$37,999 Premium

1,795,528 44.3 2,261,349 55.7 4,056,877 100.0

Average

$199 $341 $259

$38,000 to Exposure

5,295.8 47.8 5,781.3 52.2 11,077.0 100.0

$43,999 Premium

1,160,939 37.3 1,952,032 62.7 3,112,971 100.0

Average

$219 $338 $281

$44,000 to Exposure

2,487.5 40.3 3,692.0 59.7 6,179.5 100.0

$49,999 Premium

562,045 29.4 1,351,133 70.6 1,913,178 100.0

Average

$226 $366 $310

$50,000 to Exposure

13,647.9 36.3 23,939.2 63.7 37,587.1 100.0

$74,999 Premium

3,530,297 26.6 9,743,478 73.4 13,273,775 100.0

Average

$259 $407 $353

$75,000 to Exposure

3,259.2 24.6 9,966.4 75.4 13,225.6 100.0

$99,999 Premium

1,128,442 19.8 4,579,340 80.2 5,707,782 100.0

Average

$346 $459 $432

$100,000 and Exposure

6,475.1 27.8 16,840.6 72.2 23,315.7 100.0

Over Premium

3,354,567 22.2 11,736,082 77.8 15,090,649 100.0

Average

$518 $697 $647

Total Exposure

201,539.2 66.1 103,509.5 33.9 305,048.7 100.0

Premium

34,372,716 44.7 42,572,562 55.3 76,945,278 100.0

Average

$171 $411 $252

Table 5

HO-4 % HO-6 %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Connecticut

Total %

140

Insurance

Range

$13,999 and Exposure

12,836.1 90.7 1,309.4 9.3 14,145.5 100.0

Under Premium

1,495,948 77.9 425,583 22.1 1,921,531 100.0

Average

$117 $325 $136

$14,000 to Exposure

9,560.8 91.9 847.5 8.1 10,408.3 100.0

$19,999 Premium

1,230,453 79.5 316,452 20.5 1,546,905 100.0

Average

$129 $373 $149

$20,000 to Exposure

20,316.5 93.2 1,481.3 6.8 21,797.8 100.0

$25,999 Premium

2,701,288 82.1 587,463 17.9 3,288,751 100.0

Average

$133 $397 $151

$26,000 to Exposure

8,153.4 84.9 1,454.7 15.1 9,608.1 100.0

$31,999 Premium

1,190,373 66.5 599,958 33.5 1,790,331 100.0

Average

$146 $412 $186

$32,000 to Exposure

2,586.0 72.7 970.3 27.3 3,556.3 100.0

$37,999 Premium

390,844 50.8 379,088 49.2 769,932 100.0

Average

$151 $391 $217

$38,000 to Exposure

1,528.3 63.8 865.6 36.2 2,393.8 100.0

$43,999 Premium

266,667 41.9 369,503 58.1 636,170 100.0

Average

$174 $427 $266

$44,000 to Exposure

655.4 52.3 598.7 47.7 1,254.1 100.0

$49,999 Premium

114,584 33.1 231,339 66.9 345,923 100.0

Average

$175 $386 $276

$50,000 to Exposure

3,666.3 43.3 4,805.9 56.7 8,472.3 100.0

$74,999 Premium

739,899 24.4 2,292,045 75.6 3,031,944 100.0

Average

$202 $477 $358

$75,000 to Exposure

768.4 29.1 1,873.2 70.9 2,641.6 100.0

$99,999 Premium

201,814 17.4 959,518 82.6 1,161,332 100.0

Average

$263 $512 $440

$100,000 and Exposure

1,398.3 32.8 2,865.2 67.2 4,263.4 100.0

Over Premium

540,540 20.7 2,073,399 79.3 2,613,939 100.0

Average

$387 $724 $613

Total Exposure

61,469.5 78.3 17,071.6 21.7 78,541.1 100.0

Premium

8,872,410 51.9 8,234,348 48.1 17,106,758 100.0

Average

$144 $482 $218

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Delaware

HO-4 % HO-6 % Total %

141

Insurance

Range

$13,999 and Exposure

39,624.5 85.4 6,775.6 14.6 46,400.1 100.0

Under Premium

4,324,198 68.2 2,016,538 31.8 6,340,736 100.0

Average

$109 $298 $137

$14,000 to Exposure

18,371.2 82.8 3,829.3 17.2 22,200.4 100.0

$19,999 Premium

2,462,426 68.9 1,112,456 31.1 3,574,882 100.0

Average

$134 $291 $161

$20,000 to Exposure

20,677.0 69.5 9,057.1 30.5 29,734.1 100.0

$25,999 Premium

3,139,290 59.0 2,178,856 41.0 5,318,146 100.0

Average

$152 $241 $179

$26,000 to Exposure

8,343.8 59.4 5,708.1 40.6 14,051.8 100.0

$31,999 Premium

1,396,463 43.3 1,828,581 56.7 3,225,044 100.0

Average

$167 $320 $230

$32,000 to Exposure

3,883.7 53.6 3,367.8 46.4 7,251.5 100.0

$37,999 Premium

679,747 35.9 1,214,342 64.1 1,894,089 100.0

Average

$175 $361 $261

$38,000 to Exposure

2,497.0 47.0 2,812.0 53.0 5,309.0 100.0

$43,999 Premium

477,011 31.6 1,031,659 68.4 1,508,670 100.0

Average

$191 $367 $284

$44,000 to Exposure

1,214.3 43.6 1,570.3 56.4 2,784.6 100.0

$49,999 Premium

238,846 29.0 585,286 71.0 824,132 100.0

Average

$197 $373 $296

$50,000 to Exposure

5,760.7 35.9 10,286.3 64.1 16,046.9 100.0

$74,999 Premium

1,293,072 23.8 4,133,691 76.2 5,426,763 100.0

Average

$224 $402 $338

$75,000 to Exposure

1,371.9 30.7 3,095.8 69.3 4,467.7 100.0

$99,999 Premium

370,080 21.0 1,388,662 79.0 1,758,742 100.0

Average

$270 $449 $394

$100,000 and Exposure

2,425.9 21.0 9,143.8 79.0 11,569.8 100.0

Over Premium

1,233,226 19.4 5,112,883 80.6 6,346,109 100.0

Average

$508 $559 $549

Total Exposure

104,169.8 65.2 55,646.0 34.8 159,815.8 100.0

Premium

15,614,359 43.1 20,602,954 56.9 36,217,313 100.0

Average

$150 $370 $227

Table 5

HO-4 % HO-6 %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

District of Columbia

Total %

142

Insurance

Range

$13,999 and Exposure

383,382.8 87.0 57,529.4 13.0 440,912.3 100.0

Under Premium

52,503,564 56.9 39,831,996 43.1 92,335,560 100.0

Average

$137 $692 $209

$14,000 to Exposure

165,952.8 86.7 25,466.6 13.3 191,419.3 100.0

$19,999 Premium

19,801,585 50.3 19,540,741 49.7 39,342,326 100.0

Average

$119 $767 $206

$20,000 to Exposure

216,163.5 53.5 187,784.5 46.5 403,948.0 100.0

$25,999 Premium

38,864,085 24.6 119,043,321 75.4 157,907,406 100.0

Average

$180 $634 $391

$26,000 to Exposure

83,335.5 55.6 66,452.3 44.4 149,787.8 100.0

$31,999 Premium

17,555,948 24.5 54,028,174 75.5 71,584,122 100.0

Average

$211 $813 $478

$32,000 to Exposure

20,118.9 32.9 41,076.2 67.1 61,195.1 100.0

$37,999 Premium

4,682,582 11.0 38,057,669 89.0 42,740,251 100.0

Average

$233 $927 $698

$38,000 to Exposure

26,257.7 39.4 40,401.1 60.6 66,658.8 100.0

$43,999 Premium

6,597,348 14.0 40,416,341 86.0 47,013,689 100.0

Average

$251 $1,000 $705

$44,000 to Exposure

5,002.3 22.8 16,900.8 77.2 21,903.1 100.0

$49,999 Premium

1,353,952 7.5 16,813,433 92.5 18,167,385 100.0

Average

$271 $995 $829

$50,000 to Exposure

45,877.0 28.1 117,398.2 71.9 163,275.2 100.0

$74,999 Premium

14,628,423 9.6 137,914,370 90.4 152,542,793 100.0

Average

$319 $1,175 $934

$75,000 to Exposure

8,384.8 18.5 36,912.9 81.5 45,297.8 100.0

$99,999 Premium

3,394,207 6.1 52,035,392 93.9 55,429,599 100.0

Average

$405 $1,410 $1,224

$100,000 and Exposure

20,140.3 26.5 55,938.8 73.5 76,079.0 100.0

Over Premium

11,474,429 6.7 159,926,419 93.3 171,400,848 100.0

Average

$570 $2,859 $2,253

Total Exposure

974,615.6 60.1 645,860.6 39.9 1,620,476.2 100.0

Premium

170,856,123 20.1 677,607,856 79.9 848,463,979 100.0

Average

$175 $1,049 $524

Table 5

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Florida

HO-4 % HO-6 % Total %

2021 Average Premium by Amount of Insurance

143

Insurance

Range

$13,999 and Exposure

205,342.8 94.3 12,368.8 5.7 217,711.5 100.0

Under Premium

30,571,652 84.9 5,453,230 15.1 36,024,882 100.0

Average

$149 $441 $165

$14,000 to Exposure

109,035.4 96.1 4,477.1 3.9 113,512.5 100.0

$19,999 Premium

19,709,715 89.7 2,254,603 10.3 21,964,318 100.0

Average

$181 $504 $193

$20,000 to Exposure

163,326.3 89.8 18,555.8 10.2 181,882.0 100.0

$25,999 Premium

32,657,543 81.2 7,540,895 18.8 40,198,438 100.0

Average

$200 $406 $221

$26,000 to Exposure

49,565.6 82.6 10,437.8 17.4 60,003.3 100.0

$31,999 Premium

11,717,794 69.0 5,256,499 31.0 16,974,293 100.0

Average

$236 $504 $283

$32,000 to Exposure

18,511.2 74.6 6,317.4 25.4 24,828.6 100.0

$37,999 Premium

4,616,265 58.8 3,236,056 41.2 7,852,321 100.0

Average

$249 $512 $316

$38,000 to Exposure

12,536.2 66.6 6,273.7 33.4 18,809.8 100.0

$43,999 Premium

3,472,566 53.3 3,047,093 46.7 6,519,659 100.0

Average

$277 $486 $347

$44,000 to Exposure

4,934.9 61.3 3,118.3 38.7 8,053.2 100.0

$49,999 Premium

1,359,277 45.2 1,647,760 54.8 3,007,037 100.0

Average

$275 $528 $373

$50,000 to Exposure

35,184.4 58.4 25,057.8 41.6 60,242.2 100.0

$74,999 Premium

11,172,209 43.3 14,642,895 56.7 25,815,104 100.0

Average

$318 $584 $429

$75,000 to Exposure

7,701.0 46.1 8,989.4 53.9 16,690.4 100.0

$99,999 Premium

3,038,328 32.7 6,239,954 67.3 9,278,282 100.0

Average

$395 $694 $556

$100,000 and Exposure

14,948.9 43.9 19,126.3 56.1 34,075.3 100.0

Over Premium

8,769,468 34.1 16,909,908 65.9 25,679,376 100.0

Average

$587 $884 $754

Total Exposure

621,086.6 84.4 114,722.2 15.6 735,808.8 100.0

Premium

127,084,817 65.7 66,228,893 34.3 193,313,710 100.0

Average

$205 $577 $263

Table 5

2021 Average Premium by Amount of Insurance

%

Georgia

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Total %HO-4 % HO-6

144

Insurance

Range

$13,999 and Exposure

32,232.9 62.4 19,390.3 37.6 51,623.3 100.0

Under Premium

3,702,744 48.1 3,991,284 51.9 7,694,028 100.0

Average

$115 $206 $149

$14,000 to Exposure

7,821.3 47.3 8,730.3 52.7 16,551.6 100.0

$19,999 Premium

1,154,534 31.3 2,533,320 68.7 3,687,854 100.0

Average

$148 $290 $223

$20,000 to Exposure

15,130.3 39.2 23,474.3 60.8 38,604.7 100.0

$25,999 Premium

2,367,325 26.6 6,544,400 73.4 8,911,725 100.0

Average

$156 $279 $231

$26,000 to Exposure

7,116.2 32.5 14,812.1 67.5 21,928.3 100.0

$31,999 Premium

1,273,868 21.8 4,568,171 78.2 5,842,039 100.0

Average

$179 $308 $266

$32,000 to Exposure

3,315.3 10.3 28,807.6 89.7 32,122.9 100.0

$37,999 Premium

610,266 4.8 12,110,021 95.2 12,720,287 100.0

Average

$184 $420 $396

$38,000 to Exposure

2,607.4 30.8 5,856.9 69.2 8,464.3 100.0

$43,999 Premium

575,131 21.1 2,147,629 78.9 2,722,760 100.0

Average

$221 $367 $322

$44,000 to Exposure

794.5 19.5 3,274.6 80.5 4,069.1 100.0

$49,999 Premium

197,522 14.4 1,173,460 85.6 1,370,982 100.0

Average

$249 $358 $337

$50,000 to Exposure

5,772.5 24.1 18,208.1 75.9 23,980.6 100.0

$74,999 Premium

1,567,323 15.6 8,449,257 84.4 10,016,580 100.0

Average

$272 $464 $418

$75,000 to Exposure

1,631.6 28.2 4,146.6 71.8 5,778.2 100.0

$99,999 Premium

532,723 18.9 2,287,914 81.1 2,820,637 100.0

Average

$327 $552 $488

$100,000 and Exposure

2,441.8 24.5 7,529.7 75.5 9,971.5 100.0

Over Premium

1,578,316 17.1 7,648,151 82.9 9,226,467 100.0

Average

$646 $1,016 $925

Total Exposure

78,863.9 37.0 134,230.4 63.0 213,094.3 100.0

Premium

13,559,752 20.9 51,453,607 79.1 65,013,359 100.0

Average

$172 $383 $305

Total %

Hawaii

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

HO-4 % HO-6 %

145

Insurance

Range

$13,999 and Exposure

26,953.8 96.1 1,090.2 3.9 28,043.9 100.0

Under Premium

3,056,449 90.3 327,477 9.7 3,383,926 100.0

Average

$113 $300 $121

$14,000 to Exposure

10,358.0 96.6 359.3 3.4 10,717.3 100.0

$19,999 Premium

1,326,074 92.1 113,031 7.9 1,439,105 100.0

Average

$128 $315 $134

$20,000 to Exposure

22,777.8 96.2 900.2 3.8 23,678.0 100.0

$25,999 Premium

2,994,104 90.8 301,677 9.2 3,295,781 100.0

Average

$131 $335 $139

$26,000 to Exposure

10,693.9 92.7 840.0 7.3 11,533.9 100.0

$31,999 Premium

1,536,692 83.8 296,157 16.2 1,832,849 100.0

Average

$144 $353 $159

$32,000 to Exposure

4,772.9 90.3 514.4 9.7 5,287.3 100.0

$37,999 Premium

678,590 79.6 174,236 20.4 852,826 100.0

Average

$142 $339 $161

$38,000 to Exposure

3,178.6 84.8 568.5 15.2 3,747.1 100.0

$43,999 Premium

526,316 74.8 177,445 25.2 703,761 100.0

Average

$166 $312 $188

$44,000 to Exposure

1,308.4 83.5 258.6 16.5 1,567.0 100.0

$49,999 Premium

211,853 69.2 94,312 30.8 306,165 100.0

Average

$162 $365 $195

$50,000 to Exposure

10,377.8 81.9 2,297.5 18.1 12,675.3 100.0

$74,999 Premium

1,837,771 65.7 958,113 34.3 2,795,884 100.0

Average

$177 $417 $221

$75,000 to Exposure

2,423.7 69.7 1,054.3 30.3 3,477.9 100.0

$99,999 Premium

554,689 54.0 472,149 46.0 1,026,838 100.0

Average

$229 $448 $295

$100,000 and Exposure

5,364.8 64.2 2,993.4 35.8 8,358.2 100.0

Over Premium

1,654,870 43.6 2,139,084 56.4 3,793,954 100.0

Average

$308 $715 $454

Total Exposure

98,209.6 90.0 10,876.3 10.0 109,085.8 100.0

Premium

14,377,408 74.0 5,053,681 26.0 19,431,089 100.0

Average

$146 $465 $178

HO-4 % HO-6 %

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Idaho

Total %

146

Insurance

Range

$13,999 and Exposure

146,820.4 79.1 38,683.7 20.9 185,504.1 100.0

Under Premium

17,081,321 59.6 11,574,840 40.4 28,656,161 100.0

Average

$116 $299 $154

$14,000 to Exposure

96,808.3 81.1 22,623.0 18.9 119,431.3 100.0

$19,999 Premium

13,142,762 64.4 7,265,075 35.6 20,407,837 100.0

Average

$136 $321 $171

$20,000 to Exposure

145,478.8 71.6 57,611.6 28.4 203,090.3 100.0

$25,999 Premium

20,589,245 55.0 16,856,761 45.0 37,446,006 100.0

Average

$142 $293 $184

$26,000 to Exposure

73,941.8 63.4 42,706.0 36.6 116,647.8 100.0

$31,999 Premium

11,456,987 43.9 14,658,106 56.1 26,115,093 100.0

Average

$155 $343 $224

$32,000 to Exposure

31,057.0 53.9 26,580.3 46.1 57,637.3 100.0

$37,999 Premium

4,943,450 33.4 9,873,500 66.6 14,816,950 100.0

Average

$159 $371 $257

$38,000 to Exposure

24,456.7 44.2 30,845.9 55.8 55,302.6 100.0

$43,999 Premium

4,273,282 29.5 10,222,585 70.5 14,495,867 100.0

Average

$175 $331 $262

$44,000 to Exposure

11,769.2 42.7 15,768.9 57.3 27,538.1 100.0

$49,999 Premium

1,940,365 24.5 5,985,894 75.5 7,926,259 100.0

Average

$165 $380 $288

$50,000 to Exposure

60,029.7 37.6 99,634.0 62.4 159,663.7 100.0

$74,999 Premium

11,794,567 21.9 41,960,710 78.1 53,755,277 100.0

Average

$196 $421 $337

$75,000 to Exposure

14,097.4 26.8 38,574.6 73.2 52,672.0 100.0

$99,999 Premium

3,382,999 15.7 18,232,024 84.3 21,615,023 100.0

Average

$240 $473 $410

$100,000 and Exposure

23,140.3 23.8 74,120.1 76.2 97,260.3 100.0

Over Premium

7,922,672 13.8 49,533,385 86.2 57,456,057 100.0

Average

$342 $668 $591

Total Exposure

627,599.4 58.4 447,148.1 41.6 1,074,747.5 100.0

Premium

96,527,650 34.1 186,162,880 65.9 282,690,530 100.0

Average

$154 $416 $263

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Illinois

HO-4 % HO-6 % Total %

Table 5

2021 Average Premium by Amount of Insurance

147

Insurance

Range

$13,999 and Exposure

84,075.9 95.2 4,246.3 4.8 88,322.2 100.0

Under Premium

10,838,979 90.3 1,157,730 9.7 11,996,709 100.0

Average

$129 $273 $136

$14,000 to Exposure

59,466.4 98.1 1,138.6 1.9 60,605.0 100.0

$19,999 Premium

9,400,787 96.6 325,944 3.4 9,726,731 100.0

Average

$158 $286 $160

$20,000 to Exposure

87,504.6 96.2 3,463.7 3.8 90,968.3 100.0

$25,999 Premium

13,271,925 93.1 976,517 6.9 14,248,442 100.0

Average

$152 $282 $157

$26,000 to Exposure

37,954.6 92.5 3,071.0 7.5 41,025.6 100.0

$31,999 Premium

6,290,586 86.8 958,705 13.2 7,249,291 100.0

Average

$166 $312 $177

$32,000 to Exposure

17,227.9 88.7 2,201.1 11.3 19,429.0 100.0

$37,999 Premium

2,772,649 80.9 655,271 19.1 3,427,920 100.0

Average

$161 $298 $176

$38,000 to Exposure

11,652.3 80.0 2,908.6 20.0 14,560.8 100.0

$43,999 Premium

2,063,167 71.7 813,006 28.3 2,876,173 100.0

Average

$177 $280 $198

$44,000 to Exposure

4,876.7 78.4 1,340.5 21.6 6,217.2 100.0

$49,999 Premium

834,779 66.6 418,227 33.4 1,253,006 100.0

Average

$171 $312 $202

$50,000 to Exposure

28,739.3 69.4 12,699.0 30.6 41,438.3 100.0

$74,999 Premium

5,837,562 57.5 4,311,871 42.5 10,149,433 100.0

Average

$203 $340 $245

$75,000 to Exposure

6,904.9 49.2 7,116.3 50.8 14,021.2 100.0

$99,999 Premium

1,666,786 38.9 2,616,254 61.1 4,283,040 100.0

Average

$241 $368 $305

$100,000 and Exposure

9,565.4 41.7 13,393.6 58.3 22,959.0 100.0

Over Premium

3,499,743 34.5 6,637,997 65.5 10,137,740 100.0

Average

$366 $496 $442

Total Exposure

347,967.9 87.1 51,578.5 12.9 399,546.4 100.0

Premium

56,476,963 75.0 18,871,522 25.0 75,348,485 100.0

Average

$162 $366 $189

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Indiana

HO-4 % HO-6 % Total %

Table 5

148

Insurance

Range

$13,999 and Exposure

32,149.6 90.1 3,522.0 9.9 35,671.6 100.0

Under Premium

3,525,070 83.5 694,139 16.5 4,219,209 100.0

Average

$110 $197 $118

$14,000 to Exposure

24,104.1 97.7 578.3 2.3 24,682.3 100.0

$19,999 Premium

2,879,236 95.4 140,341 4.6 3,019,577 100.0

Average

$119 $243 $122

$20,000 to Exposure

39,258.3 95.2 1,980.3 4.8 41,238.5 100.0

$25,999 Premium

4,608,075 90.8 468,949 9.2 5,077,024 100.0

Average

$117 $237 $123

$26,000 to Exposure

20,984.3 92.4 1,725.7 7.6 22,709.9 100.0

$31,999 Premium

2,780,100 86.2 445,313 13.8 3,225,413 100.0

Average

$132 $258 $142

$32,000 to Exposure

10,777.2 89.2 1,300.8 10.8 12,077.9 100.0

$37,999 Premium

1,409,179 80.9 333,456 19.1 1,742,635 100.0

Average

$131 $256 $144

$38,000 to Exposure

8,557.9 75.3 2,811.0 24.7 11,368.9 100.0

$43,999 Premium

1,273,744 69.3 564,955 30.7 1,838,699 100.0

Average

$149 $201 $162

$44,000 to Exposure

3,899.5 78.6 1,061.0 21.4 4,960.5 100.0

$49,999 Premium

571,254 66.0 293,895 34.0 865,149 100.0

Average

$146 $277 $174

$50,000 to Exposure

19,456.2 63.2 11,321.3 36.8 30,777.4 100.0

$74,999 Premium

3,188,167 50.5 3,125,997 49.5 6,314,164 100.0

Average

$164 $276 $205

$75,000 to Exposure

4,872.3 43.4 6,362.3 56.6 11,234.5 100.0

$99,999 Premium

953,418 33.2 1,921,918 66.8 2,875,336 100.0

Average

$196 $302 $256

$100,000 and Exposure

7,380.0 36.0 13,114.3 64.0 20,494.3 100.0

Over Premium

1,896,205 27.8 4,929,117 72.2 6,825,322 100.0

Average

$257 $376 $333

Total Exposure

171,439.2 79.7 43,776.8 20.3 215,215.9 100.0

Premium

23,084,448 64.1 12,918,080 35.9 36,002,528 100.0

Average

$135 $295 $167

HO-4 % HO-6 %

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Iowa

Total %

149

Insurance

Range

$13,999 and Exposure

40,205.2 96.9 1,270.5 3.1 41,475.7 100.0

Under Premium

5,224,978 92.2 444,685 7.8 5,669,663 100.0

Average

$130 $350 $137

$14,000 to Exposure

32,125.2 99.0 329.8 1.0 32,454.9 100.0

$19,999 Premium

4,743,576 97.7 109,596 2.3 4,853,172 100.0

Average

$148 $332 $150

$20,000 to Exposure

55,601.2 97.9 1,194.3 2.1 56,795.5 100.0

$25,999 Premium

7,921,748 95.7 356,189 4.3 8,277,937 100.0

Average

$142 $298 $146

$26,000 to Exposure

19,391.8 96.5 711.0 3.5 20,102.8 100.0

$31,999 Premium

2,949,997 92.6 236,722 7.4 3,186,719 100.0

Average

$152 $333 $159

$32,000 to Exposure

8,262.5 94.6 469.8 5.4 8,732.3 100.0

$37,999 Premium

1,271,312 88.6 163,582 11.4 1,434,894 100.0

Average

$154 $348 $164

$38,000 to Exposure

6,628.5 84.3 1,230.5 15.7 7,859.0 100.0

$43,999 Premium

1,141,618 80.2 282,553 19.8 1,424,171 100.0

Average

$172 $230 $181

$44,000 to Exposure

2,926.4 90.5 308.0 9.5 3,234.4 100.0

$49,999 Premium

490,020 83.8 94,465 16.2 584,485 100.0

Average

$167 $307 $181

$50,000 to Exposure

19,135.8 87.3 2,772.6 12.7 21,908.4 100.0

$74,999 Premium

3,894,775 78.9 1,039,854 21.1 4,934,629 100.0

Average

$204 $375 $225

$75,000 to Exposure

4,536.9 73.1 1,668.7 26.9 6,205.6 100.0

$99,999 Premium

1,021,609 60.1 676,859 39.9 1,698,468 100.0

Average

$225 $406 $274

$100,000 and Exposure

8,268.8 68.6 3,778.8 31.4 12,047.6 100.0

Over Premium

2,589,193 56.7 1,979,096 43.3 4,568,289 100.0

Average

$313 $524 $379

Total Exposure

197,082.3 93.5 13,733.8 6.5 210,816.1 100.0

Premium

31,248,826 85.3 5,383,601 14.7 36,632,427 100.0

Average

$159 $392 $174

%% HO-6 % Total

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Kansas

HO-4

150

Insurance

Range

$13,999 and Exposure

61,828.5 94.4 3,673.2 5.6 65,501.7 100.0

Under Premium

7,462,930 89.6 862,549 10.4 8,325,479 100.0

Average

$121 $235 $127

$14,000 to Exposure

56,241.7 97.4 1,477.8 2.6 57,719.5 100.0

$19,999 Premium

7,697,302 94.4 457,705 5.6 8,155,007 100.0

Average

$137 $310 $141

$20,000 to Exposure

57,466.0 95.4 2,774.9 4.6 60,240.9 100.0

$25,999 Premium

8,573,242 90.8 869,614 9.2 9,442,856 100.0

Average

$149 $313 $157

$26,000 to Exposure

25,698.5 88.0 3,513.3 12.0 29,211.8 100.0

$31,999 Premium

4,281,688 79.1 1,130,431 20.9 5,412,119 100.0

Average

$167 $322 $185

$32,000 to Exposure

8,575.3 81.0 2,006.3 19.0 10,581.7 100.0

$37,999 Premium

1,500,510 70.4 630,909 29.6 2,131,419 100.0

Average

$175 $314 $201

$38,000 to Exposure

5,708.3 75.4 1,865.2 24.6 7,573.5 100.0

$43,999 Premium

1,146,092 65.0 616,203 35.0 1,762,295 100.0

Average

$201 $330 $233

$44,000 to Exposure

2,277.7 62.7 1,354.5 37.3 3,632.2 100.0

$49,999 Premium

462,453 51.5 435,090 48.5 897,543 100.0

Average

$203 $321 $247

$50,000 to Exposure

15,704.3 61.1 10,006.4 38.9 25,710.7 100.0

$74,999 Premium

3,612,876 49.5 3,686,748 50.5 7,299,624 100.0

Average

$230 $368 $284

$75,000 to Exposure

3,531.9 42.5 4,773.3 57.5 8,305.3 100.0

$99,999 Premium

1,016,529 33.8 1,992,057 66.2 3,008,586 100.0

Average

$288 $417 $362

$100,000 and Exposure

5,531.6 37.4 9,276.4 62.6 14,808.0 100.0

Over Premium

2,160,605 27.1 5,810,889 72.9 7,971,494 100.0

Average

$391 $626 $538

Total Exposure

242,563.8 85.6 40,721.4 14.4 283,285.2 100.0

Premium

37,914,227 69.7 16,492,195 30.3 54,406,422 100.0

Average

$156 $405 $192

Kentucky

HO-4 % HO-6 % Total %

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

151

Insurance

Range

$13,999 and Exposure

52,834.3 94.4 3,105.6 5.6 55,939.9 100.0

Under Premium

9,217,549 85.1 1,609,318 14.9 10,826,867 100.0

Average

$174 $518 $194

$14,000 to Exposure

17,248.9 95.7 783.2 4.3 18,032.1 100.0

$19,999 Premium

3,975,634 88.9 496,383 11.1 4,472,017 100.0

Average

$230 $634 $248

$20,000 to Exposure

35,967.3 93.7 2,401.9 6.3 38,369.2 100.0

$25,999 Premium

8,300,706 84.3 1,550,998 15.7 9,851,704 100.0

Average

$231 $646 $257

$26,000 to Exposure

10,130.2 85.9 1,666.9 14.1 11,797.1 100.0

$31,999 Premium

2,848,518 70.5 1,191,499 29.5 4,040,017 100.0

Average

$281 $715 $342

$32,000 to Exposure

4,597.1 84.6 835.9 15.4 5,433.0 100.0

$37,999 Premium

1,292,956 69.4 571,123 30.6 1,864,079 100.0

Average

$281 $683 $343

$38,000 to Exposure

3,520.7 82.4 752.3 17.6 4,273.0 100.0

$43,999 Premium

1,203,274 68.5 554,343 31.5 1,757,617 100.0

Average

$342 $737 $411

$44,000 to Exposure

1,480.4 76.8 447.5 23.2 1,927.9 100.0

$49,999 Premium

489,687 59.0 340,517 41.0 830,204 100.0

Average

$331 $761 $431

$50,000 to Exposure

8,792.4 75.6 2,843.1 24.4 11,635.5 100.0

$74,999 Premium

3,450,598 59.0 2,396,982 41.0 5,847,580 100.0

Average

$392 $843 $503

$75,000 to Exposure

1,988.2 69.6 867.4 30.4 2,855.6 100.0

$99,999 Premium

952,739 51.1 910,078 48.9 1,862,817 100.0

Average

$479 $1,049 $652

$100,000 and Exposure

3,287.3 67.7 1,570.7 32.3 4,858.0 100.0

Over Premium

2,284,131 44.3 2,870,304 55.7 5,154,435 100.0

Average

$695 $1,827 $1,061

Total Exposure

139,846.8 90.2 15,274.5 9.8 155,121.3 100.0

Premium

34,015,792 73.1 12,491,545 26.9 46,507,337 100.0

Average

$243 $818 $300

HO-4 % HO-6 %

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Louisiana

Total %

152

Insurance

Range

$13,999 and Exposure

10,550.0 93.3 754.4 6.7 11,304.4 100.0

Under Premium

1,158,943 84.2 216,800 15.8 1,375,743 100.0

Average

$110 $287 $122

$14,000 to Exposure

7,636.0 88.8 965.8 11.2 8,601.8 100.0

$19,999 Premium

952,511 77.6 275,151 22.4 1,227,662 100.0

Average

$125 $285 $143

$20,000 to Exposure

15,293.2 88.6 1,972.3 11.4 17,265.4 100.0

$25,999 Premium

1,987,343 77.9 562,340 22.1 2,549,683 100.0

Average

$130 $285 $148

$26,000 to Exposure

8,643.9 83.2 1,742.5 16.8 10,386.4 100.0

$31,999 Premium

1,216,096 69.4 536,038 30.6 1,752,134 100.0

Average

$141 $308 $169

$32,000 to Exposure

4,632.7 80.7 1,105.6 19.3 5,738.3 100.0

$37,999 Premium

641,589 66.4 324,991 33.6 966,580 100.0

Average

$138 $294 $168

$38,000 to Exposure

3,003.3 76.4 928.8 23.6 3,932.2 100.0

$43,999 Premium

447,212 60.2 295,768 39.8 742,980 100.0

Average

$149 $318 $189

$44,000 to Exposure

1,349.1 70.7 560.4 29.3 1,909.5 100.0

$49,999 Premium

197,352 54.5 164,726 45.5 362,078 100.0

Average

$146 $294 $190

$50,000 to Exposure

7,653.7 61.5 4,798.0 38.5 12,451.7 100.0

$74,999 Premium

1,314,382 43.3 1,718,951 56.7 3,033,333 100.0

Average

$172 $358 $244

$75,000 to Exposure

1,664.3 43.3 2,182.9 56.7 3,847.3 100.0

$99,999 Premium

351,012 28.6 876,825 71.4 1,227,837 100.0

Average

$211 $402 $319

$100,000 and Exposure

2,629.3 35.8 4,710.7 64.2 7,340.0 100.0

Over Premium

913,516 25.3 2,697,090 74.7 3,610,606 100.0

Average

$347 $573 $492

Total Exposure

63,055.5 76.2 19,721.4 23.8 82,776.9 100.0

Premium

9,179,956 54.5 7,668,680 45.5 16,848,636 100.0

Average

$146 $389 $204

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Maine

HO-4 % HO-6 % Total %

Table 5

2021 Average Premium by Amount of Insurance

153

Insurance

Range

$13,999 and Exposure

121,938.9 88.4 16,060.4 11.6 137,999.3 100.0

Under Premium

13,551,879 76.4 4,182,125 23.6 17,734,004 100.0

Average

$111 $260 $129

$14,000 to Exposure

85,150.6 91.0 8,447.7 9.0 93,598.3 100.0

$19,999 Premium

11,912,566 84.4 2,200,124 15.6 14,112,690 100.0

Average

$140 $260 $151

$20,000 to Exposure

123,667.6 87.4 17,786.3 12.6 141,453.9 100.0

$25,999 Premium

16,894,904 78.7 4,585,179 21.3 21,480,083 100.0

Average

$137 $258 $152

$26,000 to Exposure

44,352.8 74.7 15,012.8 25.3 59,365.5 100.0

$31,999 Premium

7,164,393 63.7 4,078,859 36.3 11,243,252 100.0

Average

$162 $272 $189

$32,000 to Exposure

19,479.3 71.5 7,757.5 28.5 27,236.8 100.0

$37,999 Premium

3,204,757 58.1 2,308,697 41.9 5,513,454 100.0

Average

$165 $298 $202

$38,000 to Exposure

11,792.8 60.0 7,862.5 40.0 19,655.3 100.0

$43,999 Premium

2,221,596 48.9 2,322,012 51.1 4,543,608 100.0

Average

$188 $295 $231

$44,000 to Exposure

5,695.1 52.2 5,206.0 47.8 10,901.1 100.0

$49,999 Premium

1,067,743 41.1 1,531,447 58.9 2,599,190 100.0

Average

$187 $294 $238

$50,000 to Exposure

30,047.9 46.5 34,622.9 53.5 64,670.8 100.0

$74,999 Premium

6,614,091 36.2 11,642,547 63.8 18,256,638 100.0

Average

$220 $336 $282

$75,000 to Exposure

6,961.0 34.4 13,261.3 65.6 20,222.3 100.0

$99,999 Premium

1,927,636 26.7 5,284,428 73.3 7,212,064 100.0

Average

$277 $398 $357

$100,000 and Exposure

12,878.0 31.2 28,391.8 68.8 41,269.8 100.0

Over Premium

5,749,769 31.7 12,397,086 68.3 18,146,855 100.0

Average

$446 $437 $440

Total Exposure

461,964.0 74.9 154,409.2 25.1 616,373.2 100.0

Premium

70,309,334 58.2 50,532,504 41.8 120,841,838 100.0

Average

$152 $327 $196

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Maryland

HO-4 % HO-6 % Total %

2021 Average Premium by Amount of Insurance

Table 5

154

Insurance

Range

$13,999 and Exposure

121,845.5 89.0 15,062.3 11.0 136,907.8 100.0

Under Premium

12,820,970 70.4 5,392,044 29.6 18,213,014 100.0

Average

$105 $358 $133

$14,000 to Exposure

75,544.9 88.1 10,178.8 11.9 85,723.7 100.0

$19,999 Premium

10,492,573 77.4 3,058,576 22.6 13,551,149 100.0

Average

$139 $300 $158

$20,000 to Exposure

103,576.8 73.1 38,070.2 26.9 141,646.9 100.0

$25,999 Premium

16,963,789 61.2 10,774,203 38.8 27,737,992 100.0

Average

$164 $283 $196

$26,000 to Exposure

42,149.2 58.1 30,408.8 41.9 72,558.0 100.0

$31,999 Premium

8,179,075 43.4 10,680,452 56.6 18,859,527 100.0

Average

$194 $351 $260

$32,000 to Exposure

18,096.0 50.8 17,519.7 49.2 35,615.7 100.0

$37,999 Premium

3,765,760 36.6 6,529,532 63.4 10,295,292 100.0

Average

$208 $373 $289

$38,000 to Exposure

11,498.8 40.2 17,128.8 59.8 28,627.5 100.0

$43,999 Premium

2,692,642 29.2 6,517,042 70.8 9,209,684 100.0

Average

$234 $380 $322

$44,000 to Exposure

4,187.7 45.3 5,059.7 54.7 9,247.3 100.0

$49,999 Premium

1,078,152 34.5 2,047,319 65.5 3,125,471 100.0

Average

$257 $405 $338

$50,000 to Exposure

22,300.8 28.9 54,902.5 71.1 77,203.3 100.0

$74,999 Premium

6,305,350 20.2 24,931,585 79.8 31,236,935 100.0

Average

$283 $454 $405

$75,000 to Exposure

5,223.8 21.3 19,357.8 78.7 24,581.6 100.0

$99,999 Premium

1,873,353 15.4 10,326,514 84.6 12,199,867 100.0

Average

$359 $533 $496

$100,000 and Exposure

8,330.8 16.0 43,888.8 84.0 52,219.6 100.0

Over Premium

4,988,709 13.9 30,862,271 86.1 35,850,980 100.0

Average

$599 $703 $687

Total Exposure

412,754.1 62.1 251,577.3 37.9 664,331.3 100.0

Premium

69,160,373 38.4 111,119,538 61.6 180,279,911 100.0

Average

$168 $442 $271

Table 5

% HO-6

Massachusetts

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

2021 Average Premium by Amount of Insurance

% Total %HO-4

155

Insurance

Range

$13,999 and Exposure

150,376.6 92.3 12,462.8 7.7 162,839.4 100.0

Under Premium

22,008,985 87.3 3,189,873 12.7 25,198,858 100.0

Average

$146 $256 $155

$14,000 to Exposure

62,698.5 91.1 6,130.4 8.9 68,828.9 100.0

$19,999 Premium

10,656,856 85.1 1,862,514 14.9 12,519,370 100.0

Average

$170 $304 $182

$20,000 to Exposure

145,323.9 91.5 13,475.2 8.5 158,799.1 100.0

$25,999 Premium

24,255,148 86.5 3,796,558 13.5 28,051,706 100.0

Average

$167 $282 $177

$26,000 to Exposure

46,804.1 80.8 11,120.8 19.2 57,924.8 100.0

$31,999 Premium

8,581,038 71.9 3,359,517 28.1 11,940,555 100.0

Average

$183 $302 $206

$32,000 to Exposure

18,206.4 70.0 7,801.3 30.0 26,007.7 100.0

$37,999 Premium

3,396,086 59.6 2,306,146 40.4 5,702,232 100.0

Average

$187 $296 $219

$38,000 to Exposure

13,287.1 64.1 7,449.1 35.9 20,736.2 100.0

$43,999 Premium

2,864,206 55.6 2,288,990 44.4 5,153,196 100.0

Average

$216 $307 $249

$44,000 to Exposure

4,802.4 51.0 4,622.2 49.0 9,424.6 100.0

$49,999 Premium

997,240 41.5 1,408,157 58.5 2,405,397 100.0

Average

$208 $305 $255

$50,000 to Exposure

36,555.2 45.3 44,108.4 54.7 80,663.6 100.0

$74,999 Premium

9,170,395 37.7 15,147,305 62.3 24,317,700 100.0

Average

$251 $343 $301

$75,000 to Exposure

7,238.6 24.0 22,882.8 76.0 30,121.3 100.0

$99,999 Premium

2,187,999 20.4 8,557,829 79.6 10,745,828 100.0

Average

$302 $374 $357

$100,000 and Exposure

11,937.7 18.9 51,160.6 81.1 63,098.3 100.0

Over Premium

4,749,039 15.7 25,436,391 84.3 30,185,430 100.0

Average

$398 $497 $478

Total Exposure

497,230.4 73.3 181,213.4 26.7 678,443.8 100.0

Premium

88,866,992 56.9 67,353,280 43.1 156,220,272 100.0

Average

$179 $372 $230

Table 5

Total %HO-4 % HO-6 %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Michigan

156

Insurance

Range

$13,999 and Exposure

56,215.4 82.0 12,321.6 18.0 68,537.0 100.0

Under Premium

6,137,854 67.9 2,905,133 32.1 9,042,987 100.0

Average

$109 $236 $132

$14,000 to Exposure

76,611.3 94.5 4,441.2 5.5 81,052.4 100.0

$19,999 Premium

9,107,780 88.6 1,175,388 11.4 10,283,168 100.0

Average

$119 $265 $127

$20,000 to Exposure

108,788.3 87.9 15,000.3 12.1 123,788.6 100.0

$25,999 Premium

12,889,487 75.1 4,265,602 24.9 17,155,089 100.0

Average

$118 $284 $139

$26,000 to Exposure

43,244.2 77.6 12,483.9 22.4 55,728.1 100.0

$31,999 Premium

5,649,228 60.5 3,686,792 39.5 9,336,020 100.0

Average

$131 $295 $168

$32,000 to Exposure

19,733.9 70.5 8,245.0 29.5 27,978.9 100.0

$37,999 Premium

2,448,423 50.9 2,360,816 49.1 4,809,239 100.0

Average

$124 $286 $172

$38,000 to Exposure

14,201.8 62.5 8,513.0 37.5 22,714.8 100.0

$43,999 Premium

2,018,180 43.5 2,619,302 56.5 4,637,482 100.0

Average

$142 $308 $204

$44,000 to Exposure

6,343.3 58.2 4,557.7 41.8 10,900.9 100.0

$49,999 Premium

858,024 38.8 1,355,149 61.2 2,213,173 100.0

Average

$135 $297 $203

$50,000 to Exposure

35,255.5 44.0 44,889.7 56.0 80,145.2 100.0

$74,999 Premium

5,667,604 27.3 15,073,802 72.7 20,741,406 100.0

Average

$161 $336 $259

$75,000 to Exposure

8,298.4 28.3 21,037.2 71.7 29,335.6 100.0

$99,999 Premium

1,648,706 17.6 7,708,790 82.4 9,357,496 100.0

Average

$199 $366 $319

$100,000 and Exposure

14,822.5 26.5 41,153.0 73.5 55,975.5 100.0

Over Premium

4,217,954 17.3 20,149,835 82.7 24,367,789 100.0

Average

$285 $490 $435

Total Exposure

383,514.5 69.0 172,642.4 31.0 556,156.9 100.0

Premium

50,643,240 45.2 61,300,609 54.8 111,943,849 100.0

Average

$132 $355 $201

Table 5

%

2021 Average Premium by Amount of Insurance

% Total

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Minnesota

HO-4 % HO-6

157

Insurance

Range

$13,999 and Exposure

26,212.3 97.4 698.6 2.6 26,910.8 100.0

Under Premium

4,665,846 92.6 374,940 7.4 5,040,786 100.0

Average

$178 $537 $187

$14,000 to Exposure

9,150.9 97.5 229.8 2.5 9,380.8 100.0

$19,999 Premium

2,243,521 94.6 128,006 5.4 2,371,527 100.0

Average

$245 $557 $253

$20,000 to Exposure

17,120.4 96.1 703.2 3.9 17,823.6 100.0

$25,999 Premium

4,369,784 92.1 374,861 7.9 4,744,645 100.0

Average

$255 $533 $266

$26,000 to Exposure

5,433.7 91.0 539.1 9.0 5,972.8 100.0

$31,999 Premium

1,659,525 85.0 292,461 15.0 1,951,986 100.0

Average

$305 $543 $327

$32,000 to Exposure

2,178.8 87.8 303.9 12.2 2,482.8 100.0

$37,999 Premium

691,271 79.8 175,523 20.2 866,794 100.0

Average

$317 $578 $349

$38,000 to Exposure

1,686.3 86.3 266.8 13.7 1,953.0 100.0

$43,999 Premium

607,651 79.2 159,448 20.8 767,099 100.0

Average

$360 $598 $393

$44,000 to Exposure

681.1 81.5 154.7 18.5 835.8 100.0

$49,999 Premium

235,834 73.2 86,292 26.8 322,126 100.0

Average

$346 $558 $385

$50,000 to Exposure

4,428.8 81.2 1,026.1 18.8 5,454.9 100.0

$74,999 Premium

1,830,740 73.5 659,854 26.5 2,490,594 100.0

Average

$413 $643 $457

$75,000 to Exposure

1,020.3 69.6 445.7 30.4 1,465.9 100.0

$99,999 Premium

512,754 62.4 309,323 37.6 822,077 100.0

Average

$503 $694 $561

$100,000 and Exposure

1,683.2 65.9 869.5 34.1 2,552.7 100.0

Over Premium

1,128,739 55.7 899,116 44.3 2,027,855 100.0

Average

$671 $1,034 $794

Total Exposure

69,595.7 93.0 5,237.3 7.0 74,832.9 100.0

Premium

17,945,665 83.8 3,459,824 16.2 21,405,489 100.0

Average

$258 $661 $286

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Total %HO-4 %

Mississippi

HO-6 %

158

Insurance

Range

$13,999 and Exposure

91,059.7 92.6 7,279.0 7.4 98,338.7 100.0

Under Premium

12,602,445 85.5 2,130,657 14.5 14,733,102 100.0

Average

$138 $293 $150

$14,000 to Exposure

51,424.3 96.2 2,053.3 3.8 53,477.7 100.0

$19,999 Premium

8,592,140 92.1 737,841 7.9 9,329,981 100.0

Average

$167 $359 $174

$20,000 to Exposure

112,245.1 92.4 9,181.8 7.6 121,426.9 100.0

$25,999 Premium

17,638,391 85.9 2,897,643 14.1 20,536,034 100.0

Average

$157 $316 $169

$26,000 to Exposure

32,612.0 85.4 5,587.3 14.6 38,199.3 100.0

$31,999 Premium

5,812,921 74.6 1,977,550 25.4 7,790,471 100.0

Average

$178 $354 $204

$32,000 to Exposure

13,562.9 80.0 3,385.9 20.0 16,948.8 100.0

$37,999 Premium

2,399,355 65.7 1,254,082 34.3 3,653,437 100.0

Average

$177 $370 $216

$38,000 to Exposure

10,312.2 62.1 6,293.3 37.9 16,605.5 100.0

$43,999 Premium

2,120,857 54.6 1,761,340 45.4 3,882,197 100.0

Average

$206 $280 $234

$44,000 to Exposure

4,027.7 66.9 1,995.9 33.1 6,023.6 100.0

$49,999 Premium

806,140 53.0 716,296 47.0 1,522,436 100.0

Average

$200 $359 $253

$50,000 to Exposure

29,868.7 65.0 16,087.0 35.0 45,955.7 100.0

$74,999 Premium

6,459,143 50.1 6,421,256 49.9 12,880,399 100.0

Average

$216 $399 $280

$75,000 to Exposure

6,917.5 50.6 6,746.0 49.4 13,663.5 100.0

$99,999 Premium

1,800,277 37.9 2,950,299 62.1 4,750,576 100.0

Average

$260 $437 $348

$100,000 and Exposure

13,035.1 50.5 12,778.0 49.5 25,813.1 100.0

Over Premium

4,130,149 33.6 8,155,448 66.4 12,285,597 100.0

Average

$317 $638 $476

Total Exposure

365,065.1 83.6 71,387.7 16.4 436,452.8 100.0

Premium

62,361,818 68.3 29,002,412 31.7 91,364,230 100.0

Average

$171 $406 $209

Missouri

HO-4 % HO-6 % Total %

2021 Average Premium by Amount of Insurance

Table 5

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

159

Insurance

Range

$13,999 and Exposure

15,289.4 89.6 1,781.1 10.4 17,070.5 100.0

Under Premium

2,001,160 78.4 549,743 21.6 2,550,903 100.0

Average

$131 $309 $149

$14,000 to Exposure

4,182.3 92.6 333.6 7.4 4,515.8 100.0

$19,999 Premium

622,830 85.9 102,566 14.1 725,396 100.0

Average

$149 $307 $161

$20,000 to Exposure

12,874.3 93.5 900.9 6.5 13,775.2 100.0

$25,999 Premium

1,814,032 85.7 303,049 14.3 2,117,081 100.0

Average

$141 $336 $154

$26,000 to Exposure

7,787.0 91.4 734.6 8.6 8,521.6 100.0

$31,999 Premium

1,083,148 80.8 256,664 19.2 1,339,812 100.0

Average

$139 $349 $157

$32,000 to Exposure

3,974.8 88.2 532.5 11.8 4,507.3 100.0

$37,999 Premium

527,246 74.3 182,387 25.7 709,633 100.0

Average

$133 $343 $157

$38,000 to Exposure

2,961.2 86.7 453.6 13.3 3,414.8 100.0

$43,999 Premium

437,935 73.0 161,825 27.0 599,760 100.0

Average

$148 $357 $176

$44,000 to Exposure

1,571.1 82.5 333.9 17.5 1,905.0 100.0

$49,999 Premium

217,568 64.6 119,161 35.4 336,729 100.0

Average

$138 $357 $177

$50,000 to Exposure

9,111.8 77.0 2,728.0 23.0 11,839.8 100.0

$74,999 Premium

1,500,211 56.6 1,150,671 43.4 2,650,882 100.0

Average

$165 $422 $224

$75,000 to Exposure

2,429.8 63.8 1,381.3 36.2 3,811.0 100.0

$99,999 Premium

487,214 43.3 639,278 56.7 1,126,492 100.0

Average

$201 $463 $296

$100,000 and Exposure

3,754.1 49.0 3,901.7 51.0 7,655.8 100.0

Over Premium

1,162,506 26.8 3,182,492 73.2 4,344,998 100.0

Average

$310 $816 $568

Total Exposure

63,935.5 83.0 13,081.1 17.0 77,016.6 100.0

Premium

9,853,850 59.7 6,647,836 40.3 16,501,686 100.0

Average

$154 $508 $214

%

Table 5

HO-4 % HO-6 % Total

Montana

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

160

Insurance

Range

$13,999 and Exposure

28,485.0 97.7 663.8 2.3 29,148.8 100.0

Under Premium

3,474,842 95.3 170,695 4.7 3,645,537 100.0

Average

$122 $257 $125

$14,000 to Exposure

17,252.4 99.2 141.2 0.8 17,393.6 100.0

$19,999 Premium

2,193,555 98.1 41,689 1.9 2,235,244 100.0

Average

$127 $295 $129

$20,000 to Exposure

38,867.9 98.6 532.3 1.4 39,400.2 100.0

$25,999 Premium

4,914,948 97.2 142,635 2.8 5,057,583 100.0

Average

$126 $268 $128

$26,000 to Exposure

17,337.3 97.2 502.6 2.8 17,839.8 100.0

$31,999 Premium

2,424,554 94.7 136,318 5.3 2,560,872 100.0

Average

$140 $271 $144

$32,000 to Exposure

7,839.2 96.6 274.3 3.4 8,113.4 100.0

$37,999 Premium

1,045,221 92.7 81,750 7.3 1,126,971 100.0

Average

$133 $298 $139

$38,000 to Exposure

6,002.1 91.4 563.5 8.6 6,565.6 100.0

$43,999 Premium

893,602 87.5 127,832 12.5 1,021,434 100.0

Average

$149 $227 $156

$44,000 to Exposure

2,512.2 93.1 187.6 6.9 2,699.8 100.0

$49,999 Premium

374,497 87.8 52,020 12.2 426,517 100.0

Average

$149 $277 $158

$50,000 to Exposure

14,151.0 88.6 1,824.6 11.4 15,975.6 100.0

$74,999 Premium

2,419,991 79.8 613,291 20.2 3,033,282 100.0

Average

$171 $336 $190

$75,000 to Exposure

3,405.2 78.7 920.0 21.3 4,325.2 100.0

$99,999 Premium

726,338 66.4 367,502 33.6 1,093,840 100.0

Average

$213 $399 $253

$100,000 and Exposure

5,759.3 71.1 2,336.3 28.9 8,095.6 100.0

Over Premium

1,544,654 54.9 1,271,365 45.1 2,816,019 100.0

Average

$268 $544 $348

Total Exposure

141,611.5 94.7 7,945.9 5.3 149,557.4 100.0

Premium

20,012,202 86.9 3,005,097 13.1 23,017,299 100.0

Average

$141 $378 $154

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Nebraska

HO-4 % HO-6 % Total %

Table 5

2021 Average Premium by Amount of Insurance

161

Insurance

Range

$13,999 and Exposure

82,721.8 81.7 18,496.7 18.3 101,218.5 100.0

Under Premium

11,813,407 63.8 6,713,894 36.2 18,527,301 100.0

Average

$143 $363 $183

$14,000 to Exposure

45,535.8 90.4 4,835.9 9.6 50,371.8 100.0

$19,999 Premium

7,426,796 79.7 1,887,103 20.3 9,313,899 100.0

Average

$163 $390 $185

$20,000 to Exposure

50,109.4 84.4 9,229.6 15.6 59,339.0 100.0

$25,999 Premium

8,471,152 69.2 3,773,667 30.8 12,244,819 100.0

Average

$169 $409 $206

$26,000 to Exposure

24,098.3 79.0 6,424.8 21.0 30,523.2 100.0

$31,999 Premium

4,318,146 60.8 2,778,236 39.2 7,096,382 100.0

Average

$179 $432 $232

$32,000 to Exposure

8,331.5 68.3 3,873.3 31.7 12,204.8 100.0

$37,999 Premium

1,544,287 48.0 1,670,526 52.0 3,214,813 100.0

Average

$185 $431 $263

$38,000 to Exposure

5,008.5 55.9 3,950.6 44.1 8,959.1 100.0

$43,999 Premium

1,089,463 40.7 1,588,612 59.3 2,678,075 100.0

Average

$218 $402 $299

$44,000 to Exposure

2,146.9 51.8 1,994.6 48.2 4,141.5 100.0

$49,999 Premium

443,437 32.4 924,691 67.6 1,368,128 100.0

Average

$207 $464 $330

$50,000 to Exposure

14,624.7 52.9 13,042.7 47.1 27,667.3 100.0

$74,999 Premium

3,593,429 36.4 6,271,886 63.6 9,865,315 100.0

Average

$246 $481 $357

$75,000 to Exposure

3,122.3 43.4 4,068.9 56.6 7,191.3 100.0

$99,999 Premium

1,010,720 30.5 2,305,292 69.5 3,316,012 100.0

Average

$324 $567 $461

$100,000 and Exposure

5,978.8 50.6 5,830.8 49.4 11,809.7 100.0

Over Premium

2,646,885 31.5 5,750,310 68.5 8,397,195 100.0

Average

$443 $986 $711

Total Exposure

241,678.2 77.1 71,747.8 22.9 313,426.0 100.0

Premium

42,357,722 55.7 33,664,217 44.3 76,021,939 100.0

Average

$175 $469 $243

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Nevada

%HO-4 % HO-6 %

Table 5

Total

162

Insurance

Range

$13,999 and Exposure

14,288.6 80.7 3,412.1 19.3 17,700.7 100.0

Under Premium

1,652,563 65.3 877,116 34.7 2,529,679 100.0

Average

$116 $257 $143

$14,000 to Exposure

11,151.8 80.2 2,756.0 19.8 13,907.8 100.0

$19,999 Premium

1,296,317 61.8 802,495 38.2 2,098,812 100.0

Average

$116 $291 $151

$20,000 to Exposure

18,139.3 81.1 4,238.5 18.9 22,377.8 100.0

$25,999 Premium

2,395,459 65.1 1,283,998 34.9 3,679,457 100.0

Average

$132 $303 $164

$26,000 to Exposure

9,725.3 69.4 4,285.3 30.6 14,010.6 100.0

$31,999 Premium

1,386,247 49.5 1,413,578 50.5 2,799,825 100.0

Average

$143 $330 $200

$32,000 to Exposure

4,745.7 63.8 2,692.2 36.2 7,437.8 100.0

$37,999 Premium

687,396 45.1 837,637 54.9 1,525,033 100.0

Average

$145 $311 $205

$38,000 to Exposure

3,298.8 57.4 2,446.1 42.6 5,744.8 100.0

$43,999 Premium

515,443 39.1 801,512 60.9 1,316,955 100.0

Average

$156 $328 $229

$44,000 to Exposure

1,501.6 52.2 1,373.3 47.8 2,874.9 100.0

$49,999 Premium

234,336 33.8 458,936 66.2 693,272 100.0

Average

$156 $334 $241

$50,000 to Exposure

7,954.9 42.2 10,897.1 57.8 18,852.0 100.0

$74,999 Premium

1,413,929 25.4 4,156,275 74.6 5,570,204 100.0

Average

$178 $381 $295

$75,000 to Exposure

1,747.0 26.9 4,747.8 73.1 6,494.8 100.0

$99,999 Premium

400,199 17.2 1,919,900 82.8 2,320,099 100.0

Average

$229 $404 $357

$100,000 and Exposure

2,820.8 29.2 6,840.0 70.8 9,660.8 100.0

Over Premium

954,129 20.1 3,801,139 79.9 4,755,268 100.0

Average

$338 $556 $492

Total Exposure

75,373.7 63.3 43,688.3 36.7 119,062.0 100.0

Premium

10,936,018 40.1 16,352,586 59.9 27,288,604 100.0

Average

$145 $374 $229

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

New Hampshire

HO-4 % HO-6 % Total

Table 5

%

163

Insurance

Range

$13,999 and Exposure

129,853.5 78.8 34,844.3 21.2 164,697.8 100.0

Under Premium

13,552,280 48.1 14,620,251 51.9 28,172,531 100.0

Average

$104 $420 $171

$14,000 to Exposure

79,876.8 79.8 20,219.1 20.2 100,095.8 100.0

$19,999 Premium

9,568,894 59.3 6,574,529 40.7 16,143,423 100.0

Average

$120 $325 $161

$20,000 to Exposure

101,875.2 70.1 43,381.7 29.9 145,256.8 100.0

$25,999 Premium

14,751,212 53.5 12,836,276 46.5 27,587,488 100.0

Average

$145 $296 $190

$26,000 to Exposure

50,079.9 64.7 27,375.9 35.3 77,455.8 100.0

$31,999 Premium

7,706,695 44.2 9,733,725 55.8 17,440,420 100.0

Average

$154 $356 $225

$32,000 to Exposure

23,370.8 54.9 19,208.8 45.1 42,579.5 100.0

$37,999 Premium

3,572,832 32.5 7,414,450 67.5 10,987,282 100.0

Average

$153 $386 $258

$38,000 to Exposure

16,672.3 47.9 18,160.2 52.1 34,832.4 100.0

$43,999 Premium

2,884,610 29.2 6,992,203 70.8 9,876,813 100.0

Average

$173 $385 $284

$44,000 to Exposure

8,214.5 45.6 9,808.2 54.4 18,022.7 100.0

$49,999 Premium

1,397,726 25.7 4,037,047 74.3 5,434,773 100.0

Average

$170 $412 $302

$50,000 to Exposure

43,826.7 38.3 70,706.4 61.7 114,533.1 100.0

$74,999 Premium

8,863,587 21.0 33,354,191 79.0 42,217,778 100.0

Average

$202 $472 $369

$75,000 to Exposure

10,186.5 26.8 27,866.4 73.2 38,052.9 100.0

$99,999 Premium

2,822,513 15.4 15,485,259 84.6 18,307,772 100.0

Average

$277 $556 $481

$100,000 and Exposure

15,620.3 21.7 56,477.3 78.3 72,097.6 100.0

Over Premium

7,074,736 16.7 35,255,042 83.3 42,329,778 100.0

Average

$453 $624 $587

Total Exposure

479,576.3 59.4 328,048.2 40.6 807,624.5 100.0

Premium

72,195,085 33.0 146,302,973 67.0 218,498,058 100.0

Average

$151 $446 $271

Total %HO-4 % HO-6 %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

New Jersey

Table 5

164

Insurance

Range

$13,999 and Exposure

22,110.4 93.2 1,610.3 6.8 23,720.7 100.0

Under Premium

3,009,004 84.1 568,357 15.9 3,577,361 100.0

Average

$136 $353 $151

$14,000 to Exposure

10,617.7 93.9 688.3 6.1 11,306.0 100.0

$19,999 Premium

1,739,282 87.1 257,264 12.9 1,996,546 100.0

Average

$164 $374 $177

$20,000 to Exposure

15,353.9 92.8 1,197.9 7.2 16,551.8 100.0

$25,999 Premium

2,469,203 84.1 465,783 15.9 2,934,986 100.0

Average

$161 $389 $177

$26,000 to Exposure

8,496.4 90.1 929.1 9.9 9,425.5 100.0

$31,999 Premium

1,415,270 79.2 371,307 20.8 1,786,577 100.0

Average

$167 $400 $190

$32,000 to Exposure

3,598.1 85.6 606.8 14.4 4,204.8 100.0

$37,999 Premium

618,196 72.1 239,237 27.9 857,433 100.0

Average

$172 $394 $204

$38,000 to Exposure

2,369.3 82.1 515.2 17.9 2,884.4 100.0

$43,999 Premium

457,845 69.5 201,158 30.5 659,003 100.0

Average

$193 $390 $228

$44,000 to Exposure

1,341.9 80.6 324.0 19.4 1,665.9 100.0

$49,999 Premium

247,746 67.6 118,946 32.4 366,692 100.0

Average

$185 $367 $220

$50,000 to Exposure

6,792.8 75.7 2,175.1 24.3 8,967.8 100.0

$74,999 Premium

1,520,282 61.4 955,659 38.6 2,475,941 100.0

Average

$224 $439 $276

$75,000 to Exposure

1,651.6 68.1 775.2 31.9 2,426.8 100.0

$99,999 Premium

464,772 55.0 380,337 45.0 845,109 100.0

Average

$281 $491 $348

$100,000 and Exposure

2,881.3 66.2 1,471.6 33.8 4,352.8 100.0

Over Premium

1,254,460 54.5 1,048,681 45.5 2,303,141 100.0

Average

$435 $713 $529

Total Exposure

75,213.3 88.0 10,293.3 12.0 85,506.6 100.0

Premium

13,196,060 74.1 4,606,729 25.9 17,802,789 100.0

Average

$175 $448 $208

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Table 5

2021 Average Premium by Amount of Insurance

% Total %HO-6

New Mexico

HO-4 %

165

Insurance

Range

$13,999 and Exposure

164,788.5 89.9 18,601.3 10.1 183,389.8 100.0

Under Premium

18,112,868 70.8 7,471,839 29.2 25,584,707 100.0

Average

$110 $402 $140

$14,000 to Exposure

129,780.0 76.1 40,848.2 23.9 170,628.2 100.0

$19,999 Premium

15,068,476 57.1 11,312,847 42.9 26,381,323 100.0

Average

$116 $277 $155

$20,000 to Exposure

200,580.8 63.7 114,081.2 36.3 314,661.9 100.0

$25,999 Premium

28,250,089 51.1 27,026,397 48.9 55,276,486 100.0

Average

$141 $237 $176

$26,000 to Exposure

146,099.3 68.8 66,255.0 31.2 212,354.3 100.0

$31,999 Premium

21,540,455 52.3 19,655,867 47.7 41,196,322 100.0

Average

$147 $297 $194

$32,000 to Exposure

61,858.0 65.2 33,058.8 34.8 94,916.8 100.0

$37,999 Premium

9,415,481 46.5 10,812,803 53.5 20,228,284 100.0

Average

$152 $327 $213

$38,000 to Exposure

45,689.8 64.7 24,928.5 35.3 70,618.3 100.0

$43,999 Premium

7,718,520 47.0 8,713,207 53.0 16,431,727 100.0

Average

$169 $350 $233

$44,000 to Exposure

29,541.5 55.3 23,872.3 44.7 53,413.8 100.0

$49,999 Premium

5,473,985 37.0 9,339,034 63.0 14,813,019 100.0

Average

$185 $391 $277

$50,000 to Exposure

125,237.5 45.8 148,470.6 54.2 273,708.1 100.0

$74,999 Premium

24,646,346 27.3 65,762,242 72.7 90,408,588 100.0

Average

$197 $443 $330

$75,000 to Exposure

29,973.0 40.0 44,923.0 60.0 74,896.0 100.0

$99,999 Premium

7,889,765 24.2 24,689,608 75.8 32,579,373 100.0

Average

$263 $550 $435

$100,000 and Exposure

48,871.5 27.4 129,239.2 72.6 178,110.7 100.0

Over Premium

23,150,397 15.0 130,944,221 85.0 154,094,618 100.0

Average

$474 $1,013 $865

Total Exposure

982,419.8 60.4 644,278.0 39.6 1,626,697.8 100.0

Premium

161,266,382 33.8 315,728,065 66.2 476,994,447 100.0

Average

$164 $490 $293

2021 Average Premium by Amount of Insurance

Table 5

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

New York

Total %HO-4 % HO-6 %

166

Insurance

Range

$13,999 and Exposure

100,242.2 94.2 6,228.4 5.8 106,470.6 100.0

Under Premium

9,618,152 79.7 2,442,295 20.3 12,060,447 100.0

Average

$96 $392 $113

$14,000 to Exposure

63,599.4 95.5 3,026.6 4.5 66,626.0 100.0

$19,999 Premium

7,398,273 88.4 971,838 11.6 8,370,111 100.0

Average

$116 $321 $126

$20,000 to Exposure

246,440.2 95.6 11,264.1 4.4 257,704.3 100.0

$25,999 Premium

37,200,390 89.6 4,319,092 10.4 41,519,482 100.0

Average

$151 $383 $161

$26,000 to Exposure

51,971.9 86.5 8,125.9 13.5 60,097.8 100.0

$31,999 Premium

10,323,501 76.7 3,128,620 23.3 13,452,121 100.0

Average

$199 $385 $224

$32,000 to Exposure

17,175.4 76.6 5,237.3 23.4 22,412.7 100.0

$37,999 Premium

3,331,463 64.4 1,844,868 35.6 5,176,331 100.0

Average

$194 $352 $231

$38,000 to Exposure

13,797.8 75.4 4,503.3 24.6 18,301.1 100.0

$43,999 Premium

3,419,028 63.6 1,954,575 36.4 5,373,603 100.0

Average

$248 $434 $294

$44,000 to Exposure

3,956.3 62.3 2,391.4 37.7 6,347.8 100.0

$49,999 Premium

947,304 49.0 987,241 51.0 1,934,545 100.0

Average

$239 $413 $305

$50,000 to Exposure

29,438.1 62.6 17,600.3 37.4 47,038.4 100.0

$74,999 Premium

8,883,179 49.3 9,127,137 50.7 18,010,316 100.0

Average

$302 $519 $383

$75,000 to Exposure

6,203.8 49.0 6,453.8 51.0 12,657.6 100.0

$99,999 Premium

2,442,860 38.0 3,982,505 62.0 6,425,365 100.0

Average

$394 $617 $508

$100,000 and Exposure

10,500.8 48.9 10,978.3 51.1 21,479.2 100.0

Over Premium

5,633,733 36.1 9,979,479 63.9 15,613,212 100.0

Average

$537 $909 $727

Total Exposure

543,325.9 87.8 75,809.4 12.2 619,135.3 100.0

Premium

89,197,883 69.7 38,737,650 30.3 127,935,533 100.0

Average

$164 $511 $207

Table 5

% Total %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

North Carolina

HO-4 % HO-6

167

Insurance

Range

$13,999 and Exposure

10,566.4 96.3 405.2 3.7 10,971.6 100.0

Under Premium

1,166,176 91.8 103,752 8.2 1,269,928 100.0

Average

$110 $256 $116

$14,000 to Exposure

7,193.0 98.3 127.9 1.7 7,320.9 100.0

$19,999 Premium

729,519 96.0 30,312 4.0 759,831 100.0

Average

$101 $237 $104

$20,000 to Exposure

17,873.0 97.4 470.0 2.6 18,343.0 100.0

$25,999 Premium

1,738,521 93.6 119,739 6.4 1,858,260 100.0

Average

$97 $255 $101

$26,000 to Exposure

8,445.5 95.1 433.8 4.9 8,879.3 100.0

$31,999 Premium

937,518 89.5 109,935 10.5 1,047,453 100.0

Average

$111 $253 $118

$32,000 to Exposure

4,167.0 92.9 320.3 7.1 4,487.3 100.0

$37,999 Premium

435,776 85.6 73,465 14.4 509,241 100.0

Average

$105 $229 $113

$38,000 to Exposure

2,517.9 69.0 1,133.3 31.0 3,651.2 100.0

$43,999 Premium

326,119 69.9 140,572 30.1 466,691 100.0

Average

$130 $124 $128

$44,000 to Exposure

1,223.4 83.9 234.2 16.1 1,457.6 100.0

$49,999 Premium

144,969 72.2 55,903 27.8 200,872 100.0

Average

$118 $239 $138

$50,000 to Exposure

7,461.0 76.5 2,292.0 23.5 9,753.0 100.0

$74,999 Premium

937,657 61.4 589,703 38.6 1,527,360 100.0

Average

$126 $257 $157

$75,000 to Exposure

1,539.1 54.8 1,271.6 45.2 2,810.7 100.0

$99,999 Premium

272,833 40.8 396,691 59.2 669,524 100.0

Average

$177 $312 $238

$100,000 and Exposure

1,927.4 44.6 2,390.2 55.4 4,317.6 100.0

Over Premium

503,967 32.6 1,039,838 67.4 1,543,805 100.0

Average

$261 $435 $358

Total Exposure

62,913.8 87.4 9,078.4 12.6 71,992.2 100.0

Premium

7,193,055 73.0 2,659,910 27.0 9,852,965 100.0

Average

$114 $293 $137

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

North Dakota

Total %HO-4 % HO-6 %

168

Insurance

Range

$13,999 and Exposure

132,702.3 88.0 18,014.3 12.0 150,716.6 100.0

Under Premium

15,981,111 82.4 3,409,549 17.6 19,390,660 100.0

Average

$120 $189 $129

$14,000 to Exposure

147,049.3 97.0 4,615.7 3.0 151,665.0 100.0

$19,999 Premium

20,941,442 94.4 1,238,933 5.6 22,180,375 100.0

Average

$142 $268 $146

$20,000 to Exposure

144,347.7 91.9 12,777.2 8.1 157,124.8 100.0

$25,999 Premium

21,864,944 87.5 3,127,063 12.5 24,992,007 100.0

Average

$151 $245 $159

$26,000 to Exposure

72,852.5 86.8 11,105.6 13.2 83,958.1 100.0

$31,999 Premium

12,028,679 79.6 3,074,511 20.4 15,103,190 100.0

Average

$165 $277 $180

$32,000 to Exposure

33,053.9 80.0 8,253.9 20.0 41,307.8 100.0

$37,999 Premium

5,487,634 70.9 2,248,511 29.1 7,736,145 100.0

Average

$166 $272 $187

$38,000 to Exposure

21,075.6 70.2 8,936.0 29.8 30,011.6 100.0

$43,999 Premium

3,904,520 62.3 2,358,563 37.7 6,263,083 100.0

Average

$185 $264 $209

$44,000 to Exposure

8,646.5 60.5 5,649.0 39.5 14,295.5 100.0

$49,999 Premium

1,620,260 51.2 1,544,530 48.8 3,164,790 100.0

Average

$187 $273 $221

$50,000 to Exposure

52,420.2 54.4 43,972.5 45.6 96,392.7 100.0

$74,999 Premium

11,161,461 44.9 13,701,400 55.1 24,862,861 100.0

Average

$213 $312 $258

$75,000 to Exposure

11,795.4 34.0 22,883.0 66.0 34,678.4 100.0

$99,999 Premium

3,053,086 27.8 7,909,575 72.2 10,962,661 100.0

Average

$259 $346 $316

$100,000 and Exposure

18,064.3 31.4 39,451.6 68.6 57,515.8 100.0

Over Premium

6,430,148 25.5 18,798,806 74.5 25,228,954 100.0

Average

$356 $477 $439

Total Exposure

642,007.7 78.5 175,658.7 21.5 817,666.3 100.0

Premium

102,473,285 64.1 57,411,441 35.9 159,884,726 100.0

Average

$160 $327 $196

% Total %

2021 Average Premium by Amount of Insurance

Table 5

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Ohio

HO-4 % HO-6

169

Insurance

Range

$13,999 and Exposure

44,700.6 94.2 2,751.1 5.8 47,451.7 100.0

Under Premium

6,874,138 85.1 1,203,228 14.9 8,077,366 100.0

Average

$154 $437 $170

$14,000 to Exposure

19,641.4 97.9 420.8 2.1 20,062.2 100.0

$19,999 Premium

4,315,343 95.5 203,550 4.5 4,518,893 100.0

Average

$220 $484 $225

$20,000 to Exposure

46,882.1 97.9 995.7 2.1 47,877.8 100.0

$25,999 Premium

9,073,466 94.4 535,366 5.6 9,608,832 100.0

Average

$194 $538 $201

$26,000 to Exposure

15,892.4 95.7 720.2 4.3 16,612.6 100.0

$31,999 Premium

3,679,574 90.1 406,215 9.9 4,085,789 100.0

Average

$232 $564 $246

$32,000 to Exposure

6,229.3 93.2 456.2 6.8 6,685.5 100.0

$37,999 Premium

1,450,490 84.8 260,295 15.2 1,710,785 100.0

Average

$233 $571 $256

$38,000 to Exposure

5,163.0 91.4 485.3 8.6 5,648.3 100.0

$43,999 Premium

1,389,715 82.8 289,414 17.2 1,679,129 100.0

Average

$269 $596 $297

$44,000 to Exposure

2,137.9 88.2 287.2 11.8 2,425.1 100.0

$49,999 Premium

542,272 74.4 186,438 25.6 728,710 100.0

Average

$254 $649 $300

$50,000 to Exposure

15,291.5 88.2 2,049.5 11.8 17,341.0 100.0

$74,999 Premium

4,637,077 76.8 1,399,788 23.2 6,036,865 100.0

Average

$303 $683 $348

$75,000 to Exposure

3,622.8 79.7 920.7 20.3 4,543.5 100.0

$99,999 Premium

1,365,182 65.3 726,543 34.7 2,091,725 100.0

Average

$377 $789 $460

$100,000 and Exposure

6,432.5 81.0 1,506.1 19.0 7,938.6 100.0

Over Premium

3,292,527 63.8 1,865,239 36.2 5,157,766 100.0

Average

$512 $1,238 $650

Total Exposure

165,993.6 94.0 10,592.5 6.0 176,586.1 100.0

Premium

36,619,784 83.8 7,076,076 16.2 43,695,860 100.0

Average

$221 $668 $247

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Oklahoma

Total %HO-4 % HO-6 %

170

Insurance

Range

$13,999 and Exposure

86,038.8 94.3 5,224.2 5.7 91,262.9 100.0

Under Premium

9,901,895 86.0 1,606,999 14.0 11,508,894 100.0

Average

$115 $308 $126

$14,000 to Exposure

43,939.8 96.6 1,534.3 3.4 45,474.0 100.0

$19,999 Premium

5,855,854 92.4 479,647 7.6 6,335,501 100.0

Average

$133 $313 $139

$20,000 to Exposure

80,154.2 94.6 4,553.3 5.4 84,707.4 100.0

$25,999 Premium

11,245,938 89.5 1,320,542 10.5 12,566,480 100.0

Average

$140 $290 $148

$26,000 to Exposure

38,932.4 92.7 3,055.0 7.3 41,987.4 100.0

$31,999 Premium

5,927,902 84.9 1,055,954 15.1 6,983,856 100.0

Average

$152 $346 $166

$32,000 to Exposure

16,708.6 90.1 1,826.3 9.9 18,534.8 100.0

$37,999 Premium

2,474,591 79.6 635,364 20.4 3,109,955 100.0

Average

$148 $348 $168

$38,000 to Exposure

11,906.0 82.4 2,543.7 17.6 14,449.7 100.0

$43,999 Premium

2,024,234 72.3 775,730 27.7 2,799,964 100.0

Average

$170 $305 $194

$44,000 to Exposure

5,158.4 83.5 1,021.6 16.5 6,180.0 100.0

$49,999 Premium

834,437 69.4 367,702 30.6 1,202,139 100.0

Average

$162 $360 $195

$50,000 to Exposure

30,215.8 74.9 10,106.4 25.1 40,322.3 100.0

$74,999 Premium

5,679,405 59.4 3,884,358 40.6 9,563,763 100.0

Average

$188 $384 $237

$75,000 to Exposure

7,039.3 64.3 3,910.6 35.7 10,949.9 100.0

$99,999 Premium

1,650,094 50.0 1,650,118 50.0 3,300,212 100.0

Average

$234 $422 $301

$100,000 and Exposure

13,125.4 61.7 8,158.9 38.3 21,284.3 100.0

Over Premium

4,378,395 50.2 4,345,904 49.8 8,724,299 100.0

Average

$334 $533 $410

Total Exposure

333,218.7 88.8 41,934.1 11.2 375,152.8 100.0

Premium

49,972,745 75.6 16,122,318 24.4 66,095,063 100.0

Average

$150 $384 $176

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Oregon

HO-4 % HO-6 % Total %

171

Insurance

Range

$13,999 and Exposure

133,305.9 91.4 12,584.8 8.6 145,890.8 100.0

Under Premium

14,630,153 80.4 3,573,047 19.6 18,203,200 100.0

Average

$110 $284 $125

$14,000 to Exposure

146,937.8 96.3 5,676.4 3.7 152,614.2 100.0

$19,999 Premium

18,113,341 91.1 1,777,808 8.9 19,891,149 100.0

Average

$123 $313 $130

$20,000 to Exposure

184,985.3 94.8 10,155.0 5.2 195,140.3 100.0

$25,999 Premium

25,153,394 89.7 2,891,227 10.3 28,044,621 100.0

Average

$136 $285 $144

$26,000 to Exposure

86,541.6 91.5 8,048.9 8.5 94,590.5 100.0

$31,999 Premium

12,537,351 82.5 2,657,635 17.5 15,194,986 100.0

Average

$145 $330 $161

$32,000 to Exposure

45,109.5 88.8 5,717.2 11.2 50,826.7 100.0

$37,999 Premium

6,564,876 77.9 1,866,543 22.1 8,431,419 100.0

Average

$146 $326 $166

$38,000 to Exposure

27,909.6 84.6 5,080.8 15.4 32,990.3 100.0

$43,999 Premium

4,522,306 73.0 1,673,029 27.0 6,195,335 100.0

Average

$162 $329 $188

$44,000 to Exposure

14,587.6 79.6 3,741.7 20.4 18,329.3 100.0

$49,999 Premium

2,334,625 65.4 1,237,098 34.6 3,571,723 100.0

Average

$160 $331 $195

$50,000 to Exposure

75,004.7 71.8 29,452.1 28.2 104,456.8 100.0

$74,999 Premium

14,144,064 56.7 10,812,632 43.3 24,956,696 100.0

Average

$189 $367 $239

$75,000 to Exposure

17,688.9 53.4 15,424.8 46.6 33,113.8 100.0

$99,999 Premium

4,076,586 40.2 6,072,095 59.8 10,148,681 100.0

Average

$230 $394 $306

$100,000 and Exposure

28,503.8 43.1 37,627.3 56.9 66,131.2 100.0

Over Premium

9,418,906 31.4 20,563,441 68.6 29,982,347 100.0

Average

$330 $547 $453

Total Exposure

760,574.7 85.1 133,509.0 14.9 894,083.7 100.0

Premium

111,495,602 67.7 53,124,555 32.3 164,620,157 100.0

Average

$147 $398 $184

Table 5

HO-4 % HO-6 %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Pennsylvania

Total %

172

Insurance

Range

$13,999 and Exposure

12,148.4 92.2 1,031.8 7.8 13,180.3 100.0

Under Premium

1,716,456 66.2 875,575 33.8 2,592,031 100.0

Average

$141 $849 $197

$14,000 to Exposure

9,433.8 86.6 1,458.3 13.4 10,892.1 100.0

$19,999 Premium

1,299,901 68.8 589,893 31.2 1,889,794 100.0

Average

$138 $405 $174

$20,000 to Exposure

10,283.8 76.8 3,105.1 23.2 13,388.9 100.0

$25,999 Premium

1,711,958 59.2 1,181,749 40.8 2,893,707 100.0

Average

$166 $381 $216

$26,000 to Exposure

4,359.3 65.4 2,308.4 34.6 6,667.8 100.0

$31,999 Premium

829,331 46.9 938,430 53.1 1,767,761 100.0

Average

$190 $407 $265

$32,000 to Exposure

1,665.2 58.5 1,180.3 41.5 2,845.4 100.0

$37,999 Premium

346,603 41.7 484,065 58.3 830,668 100.0

Average

$208 $410 $292

$38,000 to Exposure

1,063.7 45.7 1,265.6 54.3 2,329.3 100.0

$43,999 Premium

248,675 31.4 543,974 68.6 792,649 100.0

Average

$234 $430 $340

$44,000 to Exposure

468.0 42.6 631.4 57.4 1,099.4 100.0

$49,999 Premium

114,970 29.4 276,468 70.6 391,438 100.0

Average

$246 $438 $356

$50,000 to Exposure

2,558.2 34.6 4,836.2 65.4 7,394.3 100.0

$74,999 Premium

725,616 21.6 2,626,478 78.4 3,352,094 100.0

Average

$284 $543 $453

$75,000 to Exposure

575.3 26.6 1,585.4 73.4 2,160.8 100.0

$99,999 Premium

214,992 17.0 1,051,612 83.0 1,266,604 100.0

Average

$374 $663 $586

$100,000 and Exposure

903.5 27.1 2,430.5 72.9 3,334.0 100.0

Over Premium

542,244 17.5 2,558,023 82.5 3,100,267 100.0

Average

$600 $1,052 $930

Total Exposure

43,459.3 68.7 19,832.9 31.3 63,292.2 100.0

Premium

7,750,746 41.1 11,126,267 58.9 18,877,013 100.0

Average

$178 $561 $298

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Rhode Island

HO-4 % HO-6 % Total %

173

Insurance

Range

$13,999 and Exposure

73,250.8 87.3 10,661.8 12.7 83,912.6 100.0

Under Premium

10,529,278 72.3 4,026,410 27.7 14,555,688 100.0

Average

$144 $378 $173

$14,000 to Exposure

30,102.3 89.9 3,365.4 10.1 33,467.7 100.0

$19,999 Premium

5,051,642 77.1 1,496,925 22.9 6,548,567 100.0

Average

$168 $445 $196

$20,000 to Exposure

68,154.2 86.5 10,620.8 13.5 78,775.0 100.0

$25,999 Premium

11,386,485 70.5 4,758,349 29.5 16,144,834 100.0

Average

$167 $448 $205

$26,000 to Exposure

20,807.8 75.9 6,616.1 24.1 27,423.9 100.0

$31,999 Premium

4,140,787 57.3 3,080,829 42.7 7,221,616 100.0

Average

$199 $466 $263

$32,000 to Exposure

7,635.8 65.1 4,092.5 34.9 11,728.3 100.0

$37,999 Premium

1,483,088 45.7 1,764,337 54.3 3,247,425 100.0

Average

$194 $431 $277

$38,000 to Exposure

5,487.3 63.0 3,223.8 37.0 8,711.2 100.0

$43,999 Premium

1,260,934 44.3 1,586,727 55.7 2,847,661 100.0

Average

$230 $492 $327

$44,000 to Exposure

2,210.1 57.0 1,664.4 43.0 3,874.5 100.0

$49,999 Premium

490,840 39.7 744,939 60.3 1,235,779 100.0

Average

$222 $448 $319

$50,000 to Exposure

15,693.2 54.4 13,163.7 45.6 28,856.8 100.0

$74,999 Premium

4,068,292 36.8 6,976,973 63.2 11,045,265 100.0

Average

$259 $530 $383

$75,000 to Exposure

3,352.2 42.2 4,595.8 57.8 7,948.0 100.0

$99,999 Premium

1,071,088 27.8 2,778,666 72.2 3,849,754 100.0

Average

$320 $605 $484

$100,000 and Exposure

7,254.3 53.1 6,411.1 46.9 13,665.3 100.0

Over Premium

3,585,311 36.3 6,301,064 63.7 9,886,375 100.0

Average

$494 $983 $723

Total Exposure

233,947.8 78.4 64,415.5 21.6 298,363.3 100.0

Premium

43,067,745 56.2 33,515,219 43.8 76,582,964 100.0

Average

$184 $520 $257

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

South Carolina

Total %HO-4 % HO-6 %

174

Insurance

Range

$13,999 and Exposure

8,479.4 97.6 208.6 2.4 8,688.0 100.0

Under Premium

884,632 94.6 50,965 5.4 935,597 100.0

Average

$104 $244 $108

$14,000 to Exposure

8,549.2 99.0 86.9 1.0 8,636.1 100.0

$19,999 Premium

841,555 97.3 22,953 2.7 864,508 100.0

Average

$98 $264 $100

$20,000 to Exposure

17,462.5 98.7 238.0 1.3 17,700.5 100.0

$25,999 Premium

1,854,160 96.7 62,577 3.3 1,916,737 100.0

Average

$106 $263 $108

$26,000 to Exposure

8,922.2 96.8 291.1 3.2 9,213.3 100.0

$31,999 Premium

998,478 92.3 83,859 7.7 1,082,337 100.0

Average

$112 $288 $117

$32,000 to Exposure

2,979.9 94.2 184.3 5.8 3,164.2 100.0

$37,999 Premium

333,881 87.0 49,720 13.0 383,601 100.0

Average

$112 $270 $121

$38,000 to Exposure

2,729.6 84.7 493.8 15.3 3,223.4 100.0

$43,999 Premium

349,800 79.1 92,297 20.9 442,097 100.0

Average

$128 $187 $137

$44,000 to Exposure

1,040.8 90.1 114.1 9.9 1,154.8 100.0

$49,999 Premium

129,234 82.1 28,231 17.9 157,465 100.0

Average

$124 $247 $136

$50,000 to Exposure

6,354.8 81.1 1,477.8 18.9 7,832.6 100.0

$74,999 Premium

919,008 68.8 417,161 31.2 1,336,169 100.0

Average

$145 $282 $171

$75,000 to Exposure

2,233.4 71.3 901.0 28.7 3,134.4 100.0

$99,999 Premium

304,895 52.7 273,814 47.3 578,709 100.0

Average

$137 $304 $185

$100,000 and Exposure

2,679.1 61.6 1,670.4 38.4 4,349.5 100.0

Over Premium

600,845 45.2 729,333 54.8 1,330,178 100.0

Average

$224 $437 $306

Total Exposure

61,430.8 91.6 5,666.0 8.4 67,096.8 100.0

Premium

7,216,488 79.9 1,810,910 20.1 9,027,398 100.0

Average

$117 $320 $135

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Table 5

2021 Average Premium by Amount of Insurance

%

Total

%

HO-6

South Dakota

HO-4

%

175

Insurance

Range

$13,999 and Exposure

96,227.4 90.7 9,838.8 9.3 106,066.2 100.0

Under Premium

12,956,129 78.4 3,566,792 21.6 16,522,921 100.0

Average

$135 $363 $156

$14,000 to Exposure

77,324.8 96.8 2,547.2 3.2 79,871.9 100.0

$19,999 Premium

12,604,007 92.8 981,513 7.2 13,585,520 100.0

Average

$163 $385 $170

$20,000 to Exposure

87,013.4 93.6 5,940.8 6.4 92,954.3 100.0

$25,999 Premium

15,028,747 86.4 2,356,208 13.6 17,384,955 100.0

Average

$173 $397 $187

$26,000 to Exposure

33,516.7 86.9 5,048.1 13.1 38,564.8 100.0

$31,999 Premium

6,605,518 74.9 2,214,485 25.1 8,820,003 100.0

Average

$197 $439 $229

$32,000 to Exposure

12,507.6 80.2 3,096.6 19.8 15,604.2 100.0

$37,999 Premium

2,490,719 65.4 1,320,503 34.6 3,811,222 100.0

Average

$199 $426 $244

$38,000 to Exposure

9,526.0 77.4 2,778.0 22.6 12,304.0 100.0

$43,999 Premium

2,163,655 63.9 1,222,075 36.1 3,385,730 100.0

Average

$227 $440 $275

$44,000 to Exposure

3,190.2 65.9 1,648.7 34.1 4,838.8 100.0

$49,999 Premium

712,562 48.8 746,655 51.2 1,459,217 100.0

Average

$223 $453 $302

$50,000 to Exposure

28,942.3 65.5 15,265.5 34.5 44,207.8 100.0

$74,999 Premium

7,084,606 48.7 7,467,337 51.3 14,551,943 100.0

Average

$245 $489 $329

$75,000 to Exposure

6,889.3 49.9 6,925.4 50.1 13,814.7 100.0

$99,999 Premium

2,096,383 36.4 3,662,721 63.6 5,759,104 100.0

Average

$304 $529 $417

$100,000 and Exposure

14,197.3 51.0 13,625.8 49.0 27,823.2 100.0

Over Premium

5,991,481 37.9 9,803,481 62.1 15,794,962 100.0

Average

$422 $719 $568

Total Exposure

369,334.8 84.7 66,714.8 15.3 436,049.7 100.0

Premium

67,733,807 67.0 33,341,770 33.0 101,075,577 100.0

Average

$183 $500 $232

2021 Average Premium by Amount of Insurance

Table 5

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Tennessee

Total %HO-4 % HO-6 %

176

Insurance

Range

$13,999 and Exposure

686,113.4 98.3 11,590.8 1.7 697,704.3 100.0

Under Premium

101,075,804 94.5 5,928,267 5.5 107,004,071 100.0

Average

$147 $511 $153

$14,000 to Exposure

293,891.9 98.9 3,128.2 1.1 297,020.1 100.0

$19,999 Premium

49,757,764 96.6 1,749,512 3.4 51,507,276 100.0

Average

$169 $559 $173

$20,000 to Exposure

595,793.1 98.2 10,833.8 1.8 606,626.9 100.0

$25,999 Premium

114,272,205 94.8 6,206,853 5.2 120,479,058 100.0

Average

$192 $573 $199

$26,000 to Exposure

229,980.3 97.3 6,345.8 2.7 236,326.1 100.0

$31,999 Premium

52,855,647 93.2 3,836,492 6.8 56,692,139 100.0

Average

$230 $605 $240

$32,000 to Exposure

59,461.6 92.6 4,779.9 7.4 64,241.5 100.0

$37,999 Premium

12,418,978 81.4 2,841,887 18.6 15,260,865 100.0

Average

$209 $595 $238

$38,000 to Exposure

78,411.8 94.4 4,668.0 5.6 83,079.8 100.0

$43,999 Premium

21,184,360 88.2 2,821,866 11.8 24,006,226 100.0

Average

$270 $605 $289

$44,000 to Exposure

15,143.8 81.5 3,448.8 18.5 18,592.6 100.0

$49,999 Premium

4,061,961 65.7 2,124,892 34.3 6,186,853 100.0

Average

$268 $616 $333

$50,000 to Exposure

128,025.6 83.9 24,635.8 16.1 152,661.3 100.0

$74,999 Premium

42,169,861 71.2 17,081,427 28.8 59,251,288 100.0

Average

$329 $693 $388

$75,000 to Exposure

26,008.0 61.5 16,248.4 38.5 42,256.4 100.0

$99,999 Premium

11,635,996 48.5 12,352,352 51.5 23,988,348 100.0

Average

$447 $760 $568

$100,000 and Exposure

54,750.7 49.6 55,609.8 50.4 110,360.5 100.0

Over Premium

33,686,494 33.8 65,973,945 66.2 99,660,439 100.0

Average

$615 $1,186 $903

Total Exposure

2,167,580.1 93.9 141,289.4 6.1 2,308,869.5 100.0

Premium

443,119,070 78.6 120,917,493 21.4 564,036,563 100.0

Average

$204 $856 $244

Table 5

% Total %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Texas

HO-4 % HO-6

177

Insurance

Range

$13,999 and Exposure

42,270.2 80.4 10,323.3 19.6 52,593.5 100.0

Under Premium

5,556,677 74.2 1,929,477 25.8 7,486,154 100.0

Average

$131 $187 $142

$14,000 to Exposure

40,010.8 90.3 4,311.5 9.7 44,322.3 100.0

$19,999 Premium

4,814,030 83.0 982,681 17.0 5,796,711 100.0

Average

$120 $228 $131

$20,000 to Exposure

41,091.1 83.8 7,965.3 16.2 49,056.3 100.0

$25,999 Premium

5,536,460 73.9 1,957,990 26.1 7,494,450 100.0

Average

$135 $246 $153

$26,000 to Exposure

19,940.3 75.1 6,619.5 24.9 26,559.8 100.0

$31,999 Premium

2,843,347 62.6 1,697,142 37.4 4,540,489 100.0

Average

$143 $256 $171

$32,000 to Exposure

8,017.1 63.8 4,557.1 36.2 12,574.2 100.0

$37,999 Premium

1,144,878 50.1 1,142,393 49.9 2,287,271 100.0

Average

$143 $251 $182

$38,000 to Exposure

5,420.9 48.7 5,707.0 51.3 11,127.9 100.0

$43,999 Premium

873,029 40.4 1,289,252 59.6 2,162,281 100.0

Average

$161 $226 $194

$44,000 to Exposure

2,583.6 53.6 2,236.8 46.4 4,820.3 100.0

$49,999 Premium

412,410 42.0 570,445 58.0 982,855 100.0

Average

$160 $255 $204

$50,000 to Exposure

15,281.3 46.6 17,515.3 53.4 32,796.6 100.0

$74,999 Premium

2,788,681 35.9 4,968,973 64.1 7,757,654 100.0

Average

$182 $284 $237

$75,000 to Exposure

3,312.4 33.6 6,559.0 66.4 9,871.4 100.0

$99,999 Premium

820,994 27.7 2,144,743 72.3 2,965,737 100.0

Average

$248 $327 $300

$100,000 and Exposure

6,393.3 35.8 11,443.3 64.2 17,836.6 100.0

Over Premium

1,984,484 25.9 5,674,453 74.1 7,658,937 100.0

Average

$310 $496 $429

Total Exposure

184,321.0 70.5 77,238.0 29.5 261,559.0 100.0

Premium

26,774,990 54.5 22,357,549 45.5 49,132,539 100.0

Average

$145 $289 $188

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Utah

Total %HO-4 % HO-6 %

178

Insurance

Range

$13,999 and Exposure

5,710.4 87.4 820.3 12.6 6,530.7 100.0

Under Premium

586,570 74.9 196,805 25.1 783,375 100.0

Average

$103 $240 $120

$14,000 to Exposure

4,233.8 84.7 765.3 15.3 4,999.1 100.0

$19,999 Premium

482,971 70.1 206,072 29.9 689,043 100.0

Average

$114 $269 $138

$20,000 to Exposure

7,397.9 80.1 1,834.1 19.9 9,232.0 100.0

$25,999 Premium

991,366 66.1 507,846 33.9 1,499,212 100.0

Average

$134 $277 $162

$26,000 to Exposure

3,729.1 68.9 1,685.6 31.1 5,414.7 100.0

$31,999 Premium

532,059 52.2 487,828 47.8 1,019,887 100.0

Average

$143 $289 $188

$32,000 to Exposure

1,973.8 68.0 927.3 32.0 2,901.1 100.0

$37,999 Premium

293,164 52.2 268,244 47.8 561,408 100.0

Average

$149 $289 $194

$38,000 to Exposure

1,365.3 59.2 940.2 40.8 2,305.4 100.0

$43,999 Premium

220,693 43.6 285,283 56.4 505,976 100.0

Average

$162 $303 $219

$44,000 to Exposure

670.1 52.4 607.6 47.6 1,277.7 100.0

$49,999 Premium

109,742 36.8 188,411 63.2 298,153 100.0

Average

$164 $310 $233

$50,000 to Exposure

3,771.3 45.5 4,508.8 54.5 8,280.0 100.0

$74,999 Premium

704,556 31.5 1,532,732 68.5 2,237,288 100.0

Average

$187 $340 $270

$75,000 to Exposure

997.9 33.1 2,012.7 66.9 3,010.6 100.0

$99,999 Premium

246,265 25.2 729,826 74.8 976,091 100.0

Average

$247 $363 $324

$100,000 and Exposure

1,453.0 24.4 4,493.3 75.6 5,946.3 100.0

Over Premium

525,545 18.8 2,267,468 81.2 2,793,013 100.0

Average

$362 $505 $470

Total Exposure

31,302.4 62.7 18,595.1 37.3 49,897.5 100.0

Premium

4,692,931 41.3 6,670,515 58.7 11,363,446 100.0

Average

$150 $359 $228

% Total %

2021 Average Premium by Amount of Insurance

Table 5

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Vermont

HO-4 % HO-6

179

Insurance

Range

$13,999 and Exposure

177,236.2 89.3 21,323.3 10.7 198,559.4 100.0

Under Premium

19,949,396 76.1 6,264,059 23.9 26,213,455 100.0

Average

$113 $294 $132

$14,000 to Exposure

89,550.8 91.5 8,303.3 8.5 97,854.1 100.0

$19,999 Premium

12,199,576 84.0 2,328,830 16.0 14,528,406 100.0

Average

$136 $280 $148

$20,000 to Exposure

125,180.5 87.5 17,871.8 12.5 143,052.3 100.0

$25,999 Premium

18,843,698 77.9 5,331,968 22.1 24,175,666 100.0

Average

$151 $298 $169

$26,000 to Exposure

61,370.3 79.6 15,770.4 20.4 77,140.7 100.0

$31,999 Premium

9,942,889 67.3 4,829,135 32.7 14,772,024 100.0

Average

$162 $306 $191

$32,000 to Exposure

26,347.9 75.0 8,793.6 25.0 35,141.5 100.0

$37,999 Premium

4,000,120 56.4 3,090,839 43.6 7,090,959 100.0

Average

$152 $351 $202

$38,000 to Exposure

20,839.8 72.3 7,966.7 27.7 28,806.4 100.0

$43,999 Premium

3,616,199 55.7 2,881,895 44.3 6,498,094 100.0

Average

$174 $362 $226

$44,000 to Exposure

9,727.3 64.9 5,258.8 35.1 14,986.0 100.0

$49,999 Premium

1,607,888 45.8 1,903,540 54.2 3,511,428 100.0

Average

$165 $362 $234

$50,000 to Exposure

62,267.9 63.6 35,654.1 36.4 97,922.0 100.0

$74,999 Premium

11,027,018 43.3 14,467,964 56.7 25,494,982 100.0

Average

$177 $406 $260

$75,000 to Exposure

15,862.3 52.8 14,159.3 47.2 30,021.5 100.0

$99,999 Premium

3,265,484 32.7 6,722,667 67.3 9,988,151 100.0

Average

$206 $475 $333

$100,000 and Exposure

29,623.4 52.5 26,776.9 47.5 56,400.3 100.0

Over Premium

8,880,318 39.1 13,836,763 60.9 22,717,081 100.0

Average

$300 $517 $403

Total Exposure

618,006.3 79.2 161,877.9 20.8 779,884.2 100.0

Premium

93,332,586 60.2 61,657,660 39.8 154,990,246 100.0

Average

$151 $381 $199

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Virginia

Total %HO-4 % HO-6 %

180

Insurance

Range

$13,999 and Exposure

170,213.0 91.7 15,431.4 8.3 185,644.4 100.0

Under Premium

20,582,310 80.4 5,014,600 19.6 25,596,910 100.0

Average

$121 $325 $138

$14,000 to Exposure

76,274.0 92.9 5,833.1 7.1 82,107.1 100.0

$19,999 Premium

10,671,304 84.2 2,005,836 15.8 12,677,140 100.0

Average

$140 $344 $154

$20,000 to Exposure

136,628.8 90.7 14,033.8 9.3 150,662.6 100.0

$25,999 Premium

20,751,900 82.7 4,346,784 17.3 25,098,684 100.0

Average

$152 $310 $167

$26,000 to Exposure

86,585.8 89.6 10,070.7 10.4 96,656.5 100.0

$31,999 Premium

13,226,266 79.6 3,391,371 20.4 16,617,637 100.0

Average

$153 $337 $172

$32,000 to Exposure

39,023.4 86.4 6,146.4 13.6 45,169.8 100.0

$37,999 Premium

5,862,131 72.6 2,206,892 27.4 8,069,023 100.0

Average

$150 $359 $179

$38,000 to Exposure

25,763.3 79.7 6,571.7 20.3 32,334.9 100.0

$43,999 Premium

4,510,113 66.8 2,237,059 33.2 6,747,172 100.0

Average

$175 $340 $209

$44,000 to Exposure

12,004.5 77.1 3,571.4 22.9 15,575.9 100.0

$49,999 Premium

1,970,220 60.4 1,291,626 39.6 3,261,846 100.0

Average

$164 $362 $209

$50,000 to Exposure

59,576.8 65.3 31,588.9 34.7 91,165.7 100.0

$74,999 Premium

11,827,134 47.7 12,965,746 52.3 24,792,880 100.0

Average

$199 $410 $272

$75,000 to Exposure

16,060.2 59.0 11,178.6 41.0 27,238.8 100.0

$99,999 Premium

3,758,654 42.4 5,110,071 57.6 8,868,725 100.0

Average

$234 $457 $326

$100,000 and Exposure

25,996.9 52.3 23,738.7 47.7 49,735.6 100.0

Over Premium

9,580,631 40.0 14,343,880 60.0 23,924,511 100.0

Average

$369 $604 $481

Total Exposure

648,126.6 83.5 128,164.7 16.5 776,291.3 100.0

Premium

102,740,663 66.0 52,913,865 34.0 155,654,528 100.0

Average

$159 $413 $201

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Washington

HO-4 % HO-6 % Total %

181

Insurance

Range

$13,999 and Exposure

11,117.6 96.7 376.7 3.3 11,494.3 100.0

Under Premium

1,464,338 93.9 95,539 6.1 1,559,877 100.0

Average

$132 $254 $136

$14,000 to Exposure

9,713.8 97.5 253.8 2.5 9,967.6 100.0

$19,999 Premium

1,540,934 96.1 63,322 3.9 1,604,256 100.0

Average

$159 $249 $161

$20,000 to Exposure

14,274.6 97.1 424.7 2.9 14,699.3 100.0

$25,999 Premium

2,147,103 95.1 110,216 4.9 2,257,319 100.0

Average

$150 $260 $154

$26,000 to Exposure

4,980.2 93.4 349.3 6.6 5,329.4 100.0

$31,999 Premium

874,310 90.0 97,528 10.0 971,838 100.0

Average

$176 $279 $182

$32,000 to Exposure

2,071.6 90.2 226.2 9.8 2,297.8 100.0

$37,999 Premium

370,461 85.4 63,102 14.6 433,563 100.0

Average

$179 $279 $189

$38,000 to Exposure

1,530.7 90.8 155.3 9.2 1,685.9 100.0

$43,999 Premium

306,617 87.4 44,372 12.6 350,989 100.0

Average

$200 $286 $208

$44,000 to Exposure

714.8 87.4 103.5 12.6 818.3 100.0

$49,999 Premium

142,332 83.0 29,167 17.0 171,499 100.0

Average

$199 $282 $210

$50,000 to Exposure

4,294.9 86.2 685.4 13.8 4,980.3 100.0

$74,999 Premium

1,019,511 81.5 230,972 18.5 1,250,483 100.0

Average

$237 $337 $251

$75,000 to Exposure

933.9 75.5 302.7 24.5 1,236.6 100.0

$99,999 Premium

272,893 70.8 112,757 29.2 385,650 100.0

Average

$292 $373 $312

$100,000 and Exposure

1,408.6 67.5 678.6 32.5 2,087.2 100.0

Over Premium

554,196 59.4 379,128 40.6 933,324 100.0

Average

$393 $559 $447

Total Exposure

51,040.6 93.5 3,556.0 6.5 54,596.6 100.0

Premium

8,692,695 87.6 1,226,103 12.4 9,918,798 100.0

Average

$170 $345 $182

Table 5

HO-4 % HO-6 %

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

West Virginia

Total %

182

Insurance

Range

$13,999 and Exposure

53,600.7 92.8 4,167.3 7.2 57,767.9 100.0

Under Premium

5,904,221 87.2 863,269 12.8 6,767,490 100.0

Average

$110 $207 $117

$14,000 to Exposure

54,866.6 97.0 1,684.5 3.0 56,551.1 100.0

$19,999 Premium

6,222,957 93.9 402,804 6.1 6,625,761 100.0

Average

$113 $239 $117

$20,000 to Exposure

82,109.6 92.5 6,677.1 7.5 88,786.7 100.0

$25,999 Premium

9,273,476 86.2 1,483,028 13.8 10,756,504 100.0

Average

$113 $222 $121

$26,000 to Exposure

51,348.3 89.7 5,893.6 10.3 57,241.8 100.0

$31,999 Premium

6,204,686 81.7 1,386,521 18.3 7,591,207 100.0

Average

$121 $235 $133

$32,000 to Exposure

27,007.9 85.8 4,457.2 14.2 31,465.1 100.0

$37,999 Premium

3,392,835 76.1 1,064,109 23.9 4,456,944 100.0

Average

$126 $239 $142

$38,000 to Exposure

19,853.8 68.7 9,063.2 31.3 28,917.0 100.0

$43,999 Premium

2,691,797 63.0 1,578,038 37.0 4,269,835 100.0

Average

$136 $174 $148

$44,000 to Exposure

9,063.3 78.0 2,549.1 22.0 11,612.4 100.0

$49,999 Premium

1,206,232 66.1 618,150 33.9 1,824,382 100.0

Average

$133 $242 $157

$50,000 to Exposure

52,658.7 67.2 25,682.4 32.8 78,341.1 100.0

$74,999 Premium

7,394,547 52.6 6,652,393 47.4 14,046,940 100.0

Average

$140 $259 $179

$75,000 to Exposure

14,343.0 50.1 14,284.1 49.9 28,627.1 100.0

$99,999 Premium

2,306,545 37.3 3,877,944 62.7 6,184,489 100.0

Average

$161 $271 $216

$100,000 and Exposure

19,863.8 38.3 32,009.9 61.7 51,873.7 100.0

Over Premium

4,191,302 26.8 11,465,368 73.2 15,656,670 100.0

Average

$211 $358 $302

Total Exposure

384,715.6 78.3 106,468.3 21.7 491,183.8 100.0

Premium

48,788,598 62.4 29,391,624 37.6 78,180,222 100.0

Average

$127 $276 $159

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Wisconsin

HO-4 % HO-6 % Total %

183

Insurance

Range

$13,999 and Exposure

4,967.9 90.6 518.3 9.4 5,486.2 100.0

Under Premium

553,328 77.3 162,579 22.7 715,907 100.0

Average

$111 $314 $130

$14,000 to Exposure

1,685.8 92.3 140.8 7.7 1,826.5 100.0

$19,999 Premium

240,316 84.2 45,203 15.8 285,519 100.0

Average

$143 $321 $156

$20,000 to Exposure

4,125.3 94.2 252.7 5.8 4,377.9 100.0

$25,999 Premium

590,154 86.6 91,535 13.4 681,689 100.0

Average

$143 $362 $156

$26,000 to Exposure

2,220.1 91.2 215.2 8.8 2,435.3 100.0

$31,999 Premium

314,392 79.9 78,859 20.1 393,251 100.0

Average

$142 $367 $161

$32,000 to Exposure

1,188.1 89.4 140.3 10.6 1,328.4 100.0

$37,999 Premium

155,770 74.5 53,333 25.5 209,103 100.0

Average

$131 $380 $157

$38,000 to Exposure

1,074.3 89.9 121.1 10.1 1,195.3 100.0

$43,999 Premium

141,135 76.3 43,761 23.7 184,896 100.0

Average

$131 $361 $155

$44,000 to Exposure

628.4 89.1 76.8 10.9 705.2 100.0

$49,999 Premium

77,729 74.1 27,219 25.9 104,948 100.0

Average

$124 $355 $149

$50,000 to Exposure

4,889.8 88.0 666.6 12.0 5,556.3 100.0

$74,999 Premium

683,681 71.7 270,341 28.3 954,022 100.0

Average

$140 $406 $172

$75,000 to Exposure

1,632.3 80.2 403.9 19.8 2,036.3 100.0

$99,999 Premium

247,097 57.9 179,571 42.1 426,668 100.0

Average

$151 $445 $210

$100,000 and Exposure

2,293.2 68.8 1,041.3 31.2 3,334.5 100.0

Over Premium

505,509 38.6 805,067 61.4 1,310,576 100.0

Average

$220 $773 $393

Total Exposure

24,705.0 87.4 3,576.8 12.6 28,281.8 100.0

Premium

3,509,111 66.6 1,757,468 33.4 5,266,579 100.0

Average

$142 $491 $186

Table 5

2021 Average Premium by Amount of Insurance

Homeowners Tenants and Condominium/Co-Operative Unit Policy Forms

Wyoming

Total %HO-4 % HO-6 %

184