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Homeowners Insurance Losses, 2018-2022 (1)
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Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2018 6.31 $14,579 2021 5.39 16,801
2019 5.39 14,090 2022 5.45 18,311
2020 6.45 15,053 Average (4) 5.79 15,749

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2018-2022.

Source: ISO®, a Verisk Analytics® business.

 

Archived Tables

HOMEOWNERS INSURANCE LOSSES, 2003-2007 (1)
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  Total homeowner losses
Year Claim frequency (2) Claim severity (3)
2003 7.08 $5,316
2004 6.59 8,105
2005 5.62 8,695
2006 5.19 6,982
2007 4.83 8,117
Average (4) 5.84 7,368

(1) For homeowners multiple peril policies. Excludes tenants and condominium policies.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2003-2007.

Source: ISO.
 
HOMEOWNERS INSURANCE LOSSES, 2004-2008 (1)
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  Total homeowner
losses		   Total homeowner
losses
Year Claim
frequency (2)		 Claim
severity (3)		   Claim
frequency (2)		 Claim
severity (3)
2004 6.71 $8,029 2007 4.81 $8,260
2005 5.69 8,618 2008 6.58 7,519
2006 5.17 6,891 Average (4) 5.78 7,864

(1) For homeowners multiple peril policies. Excludes tenants and condominium policies.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2004-2008.

Source: ISO.

 
HOMEOWNERS INSURANCE LOSSES, 2005-2009 (1)
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  Total homeowners
losses		   Total homeowners
losses
Year Claim
frequency (2)		 Claim
severity (3)		   Claim
frequency (2)		 Claim
severity (3)
2005 5.74 $8,705 2008 6.84 $7,560
2006 5.19 6,862 2009 6.02 8,116
2007 4.86 8,117 Average (4) 5.73 7,876

(1) For homeowners multiple peril policies. Excludes tenants and condominium policies.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2005-2009.

Source: ISO, a Verisk Analytics company.

 
HOMEOWNERS INSURANCE LOSSES, 2006-2010 (1)
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  Total homeowners
losses		   Total homeowners
losses
Year Claim
frequency (2)		 Claim
severity (3)		   Claim
frequency (2)		 Claim
severity (3)
2006 4.98 $7,293 2009 5.85 $8,584
2007 4.59 8,668 2010 6.33 8,438
2008 6.60 7,967 Average (4) 5.69 8,203

(1) For homeowners multiple peril policies. Excludes tenants and condominium policies.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2006-2010.

Source: ISO, a Verisk Analytics company.

 
HOMEOWNERS INSURANCE LOSSES, 2008-2012 (1)
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  Total homeowners
losses		   Total homeowners
losses
Year Claim
frequency (2)		 Claim
severity (3)		 Year Claim
frequency (2)		 Claim
severity (3)
2008 6.88 $7,789 2011 9.71 $8,424
2009 6.10 8,400 2012 7.22        8,665
2010 6.63 8,584 Average (4) 7.32 $8,384

(1) For homeowners multiple peril policies. Excludes tenants and condominium policies.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2008-2012.

Source: ISO®, a Verisk Analytics® company.

 
HOMEOWNERS INSURANCE LOSSES, 2009-2013 (1)
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  Total homeowners losses   Total homeowners losses
Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2009 6.09 $8,411 2012 7.56 $8,801
2010 6.66 8,618 2013 4.81 10,271
2011 9.83 8,455 Average (4) 7.02 $8,793

(1) For homeowners multiple peril policies. Excludes tenants and condominium policies. Excludes Alaska and Texas.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2009-2013.

Source: ISO, a Verisk Analytics company.

 
Homeowners Insurance Losses, 2010-2014 (1)
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  Total homeowners losses   Total homeowners losses
Year Claim
frequency (2)		 Claim
severity (3)		 Year Claim
frequency (2)		 Claim
severity (3)
2010 6.77 $8,568 2013 5.01 $10,397
2011 9.98 8,431 2014 5.27 10,750
2012 7.70 8,797 Average (4) 6.98 $9,155

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Arkansas and Texas.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss
adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2010-2014.

Source: ISO®, a Verisk Analytics® business.

 
Homeowners Insurance Losses, 2011-2015 (1)
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  Total homeowners losses   Total homeowners losses
Year Claim
frequency (2)		 Claim
severity (3)		 Year Claim
frequency (2)		 Claim
severity (3)
2011 9.73 $8,492 2014 5.44 $11,096
2012 7.66 8,850 2015 5.93 11,402
2013 5.02 10,492 Average (4) 6.78 $9,779

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2011-2015.

Source: ISO®, a Verisk Analytics® business.

 
Homeowners Insurance Losses, 2012-2016 (1)
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  Total homeowners losses   Total homeowners losses
Year Claim
frequency (2)		 Claim
severity (3)		 Year Claim
frequency (2)		 Claim
severity (3)
2012 7.68 $8,842 2015 6.13 $11,520
2013 5.03 10,512 2016 5.28 11,666
2014 5.46 11,105 Average (4) 5.92 $10,592

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2012-2016.

Source: ISO®, a Verisk Analytics® business.

 
Homeowners Insurance Losses, 2013-2017 (1)
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  Total homeowners losses   Total homeowners losses
Year Claim
frequency (2)		 Claim
severity (3)		 Year Claim
frequency (2)		 Claim
severity (3)
2013 4.87 $10,603 2016 5.12 $12,502
2014 5.23 11,274 2017 6.26 15,532
2015 6.04 11,721 Average (4) 5.51 $12,474

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2013-2017.

Source: ISO®, a Verisk Analytics® business.

 
Homeowners Insurance Losses, 2014-2018 (1)
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  Total homeowner losses   Total homeowners losses
Year Claim
frequency (2)		 Claim
severity (3)		 Year Claim
frequency (2)		 Claim
severity (3)
2014 5.19 $11,319 2017 6.36 $16,517
2015 5.92 11,748 2018 5.73 15,855
2016 4.94 12,628 Average (4) 5.64 $13,814

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house years (policies).
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2014-2018.

Source: ISO®, a Verisk Analytics® business.

 
Homeowners Insurance Losses, 2015-2019 (1)
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  Total homeowner losses   Total homeowners losses
Year Claim
frequency (2)		 Claim
severity (3)		 Year Claim
frequency (2)		 Claim
severity (3)
2015 5.75 $11,440 2018 6.21 $14,826
2016 5.03 11,973 2019 5.13 13,653
2017 6.24 15,501 Average (4) 5.67 $13,582

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2015-2019.

Source: ISO®, a Verisk Analytics® business.

 
Homeowners Insurance Losses, 2016-2020 (1)
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  Total homeowners losses   Total homeowners losses
Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2016 5.03 $11,977  2019 5.29 13,868 
2017 6.38 15,131  2020 6.01 13,955 
2018 6.23 14,424 Average (4) 5.79 13,962 

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2016-2020.

Source: ISO®, a Verisk Analytics® business.

 
Homeowners Insurance Losses, 2017-2021 (1)
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Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2017 6.44 $15,928 2020 6.28 14,844
2018 6.21 14,563 2021 5.32 16,048
2019 5.35 14,031 Average (4) 5.92 15,091

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium policies. Excludes Alaska, Texas and Puerto Rico.
(2) Claims per 100 house-years (policies). One house-year represents policy coverage on a dwelling for 12 months.
(3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims.
(4) Weighted average, 2016-2020.

Source: ISO®, a Verisk Analytics® business.