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WASHINGTON, D.C. (Dec. 18, 2012) — The National Association of Insurance Commissioners (NAIC) today released its 2010 Homeowners Insurance Report, providing data on market distribution and average cost by policy form and amount of insurance.

The report includes countrywide and state-specific premium and exposure information for non-commercial dwelling fire insurance and for homeowners insurance package policies. It also contains descriptions of the data and a discussion about the way certain economic, demographic and natural phenomena impact the price of homeowners insurance.

The data in the report includes written exposures (earned house years) and aggregate written premiums by state and countrywide for the 2010 data year. It contains three tables that show individual state and countrywide exposures by policy type, individual policy form, as well as amount of insurance coverage, which is divided into ranges with percentages of total exposures provided for each range.

Data from the report was collected from insurance statistical agents for all states except Texas and California, both of which supply data directly to the NAIC. The Florida data excludes policies written by Citizens Property Insurance Corporation, the state's insurer of last resort, and therefore is not directly comparable to those of other states.

The entire report has, among its many features, a state by state breakdown of this information.

The complete report is available for purchase through the NAIC Store.



About the NAIC

The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. NAIC members, together with the central resources of the NAIC, form the national system of state-based insurance regulation in the U.S. For more information, visit




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