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Homeowners Insurance Losses By Cause, 2017-2021 (1)

(Percent of losses incurred)
Cause of loss 2017 2018 2019 2020 2021
Property damage (2) 97.7% 97.5% 96.8% 97.6% 97.7%
     Wind and hail 48.0 39.5 38.3 47.8 39.4
     Water damage and freezing 18.0 24.5 29.0 19.9 23.5
     Fire and lightning  26.2 26.0 21.5 21.9 24.8
     Theft 1.0 1.0 1.0 0.6 0.7
     All other property damage (3) 4.6 6.5 7.1 7.4 9.4
Liability (4) 2.3% 2.5% 3.2% 2.4% 2.3%
     Bodily injury and property damage 2.2 2.3 2.8 2.1 1.8
     Medical payments and other 0.1 0.2 0.4 0.4 0.5
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent.

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses By Cause, 2016-2020 (1)

(Percent of losses incurred)
Cause of loss 2016 2017 2018 2019 2020
Property damage (2) 96.3% 97.5% 97.5% 97.0% 97.7%
     Wind and hail 34.1 47.0 40.0 38.1 45.5
     Water damage and freezing 28.7 18.3 23.9 28.4 19.9
     Fire and lightning  26.0 26.6 26.2 22.4 23.8
     Theft 1.8 1.0 0.9 0.9 0.6
     All other property damage (3) 5.7 4.7 6.5 7.1 7.9
Liability (4) 3.7% 2.5% 2.5% 3.0% 2.3%
     Bodily injury and property damage 3.5 2.3 2.3 2.7 2.0
     Medical payments and other 0.2 0.2 0.2 0.3 0.3
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent.

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses By Cause, 2015-2019 (1)

(Percent of losses incurred)
Cause of loss 2015 2016 2017 2018 2019
Property damage (2) 96.1% 96.2% 97.6% 97.7% 97.2%
     Wind and hail 22.5 33.4 41.0 36.3 34.3
     Water damage and freezing 42.4 29.0 18.7 23.7 29.4
     Fire and lightning  23.7 26.2 32.2 30.2 25.1
     Theft 1.9 1.9 1.1 1.0 1.0
     All other property damage (3) 5.6 5.7 4.5 6.5 7.4
Liability (4) 3.9% 3.8% 2.4% 2.3% 2.8%
     Bodily injury and property damage 3.7 3.5 2.2 2.1 2.4
     Medical payments and other 0.2 0.2 0.2 0.2 0.4
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent.

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses By Cause, 2014-2018 (1)

(Percent of losses incurred)
Cause of loss 2014 2015 2016 2017 2018
Property damage (2) 96.0% 96.4% 96.4% 98.0% 98.1%
     Wind and hail 28.8 21.1 32.8 41.7 34.4
     Fire and lightning  24.6 22.2 25.9 32.8 32.7
     Water damage and freezing 33.6 45.8 30.5 18.4 23.8
     Theft 2.4 1.8 1.8 1.0 1.0
     All other property damage (3) 6.7 5.6 5.4 4.1 6.2
Liability (4) 4.0 3.6 3.6 2.0 1.9
     Bodily injury and property damage 3.9 3.4 3.4 1.9 1.8
     Medical payments and other 0.2 0.2 0.2 0.1 0.1
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent.

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses By Cause, 2013-2017 (1)

(Percent of losses incurred)
Cause of loss 2013 2014 2015 2016 2017
Property damage (2) 95.5% 95.8% 96.3% 96.6% 98.1%
     Fire and lightning  28.5 23.9 21.6 25.0 35.1
     Wind and hail 30.0 28.7 21.2 34.1 38.2
     Water damage and freezing 27.1 34.0 46.1 30.2 19.5
     Theft 3.4 2.4 1.7 1.8 1.0
     All other property damage (3) 6.4 6.8 5.6 5.5 4.4
Liability (4) 4.5 4.2 3.7 3.4 1.9
     Bodily injury and property damage 4.3 4.0 3.6 3.2 1.8
     Medical payments and other 0.2 0.2 0.2 0.2 0.2
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and
losses not otherwise classified.
(6) Less than 0.1 percent

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses By Cause, 2012-2016 (1)

(Percent of losses incurred)
Cause of loss 2012 2013 2014 2015 2016
Property damage (2) 96.5% 95.5% 95.9% 96.6% 97.1%
     Fire and lightning  22.8 28.3 23.8 22.5 26.8
     Wind and hail 48.8 30.6 28.8 21.6 33.1
     Water damage and freezing 17.5 26.7 33.4 44.7 29.5
     Theft 3.0 3.4 2.4 1.8 1.9
     All other property damage (3) 4.4 6.4 7.4 6.0 5.7
Liability (4) 3.5 4.6 4.1 3.4 2.9
     Bodily injury and property damage 3.3 4.3 3.9 3.3 2.7
     Medical payments and other 0.1 0.2 0.2 0.2 0.2
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses By Cause, 2011-2015 (1)

(Percent of losses incurred)
Cause of loss 2011 2012 2013 2014 2015
Property damage (2) 96.9% 96.7% 95.3% 96.2% 97.1%
  Fire and lightning  18.3 22.9 28.2 24.1 23.8
  Wind and hail 45.7 48.8 30.5 28.7 20.3
  Water damage and freezing 22.0 17.5 26.7 33.4 45.1
  Theft 2.4 2.9 3.4 2.4 1.8
  All other property damage (3) 8.6 4.5 6.5 7.6 6.1
Liability (4) 3.1% 3.3% 4.7% 3.8% 2.9%
  Bodily injury and property damage 2.9 3.2 4.4 3.6 2.7
  Medical payments and other 0.1 0.2 0.2 0.2 0.2
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5). Excludes tenants and condominium owners policies. Excludes Alaska, Texas and Puerto Rico.
(2) First party, i.e., covers damage to policyholder’s own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent

Source: ISO®, a Verisk Analytics® business.

Homeowners Insurance Losses By Cause, 2010-2014 (1)

(Percent of losses incurred)
Cause of loss 2010 2011 2012 2013 2014
Property damage (2) 95.2% 97.0% 96.7% 95.9% 97.3%
Fire and lightning  25.0  18.4 23.3 29.2 25.9
Wind and hail 36.1 46.6 49.1 30.8 27.3
Water damage and freezing 21.1 21.4 16.9 25.9 33.7
Theft 3.1 2.3 2.9 3.4 2.5
All other property damage (3) 9.9 8.3 4.5 6.6 7.9
Liability (4) 4.8% 3.0% 3.3% 4.1% 2.7%
Bodily injury and property damage 4.7 2.9 3.1 3.8 2.5
Medical payments and other 0.2 0.1 0.2 0.3 0.2
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5). Excludes tenants and condominium owners policies. Excludes Arkansas and Texas.
(2) First party, i.e., covers damage to policyholder's own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent.

Source: ISO®, a Verisk Analytics® business.

HOMEOWNERS INSURANCE LOSSES BY CAUSE, 2009-2013 (1)

(Percent of losses incurred)
Cause of loss 2009 2010 2011 2012 2013
Property damage (2) 95.1% 95.2% 97.0% 97.1% 97.0%
Fire and lightning 27.0 25.2 18.5 23.6 30.5
Wind and hail 32.1 35.8 46.3 49.0 29.9
Water damage and freezing 24.4 21.2 21.6 17.0 26.4
Theft 3.3 3.1 2.3 2.9 3.4
All other property damage (3) 8.2 9.9 8.3 4.6 6.8
Liability (4) 4.9% 4.8% 3.0% 2.9% 3.0%
Bodily injury and property damage 4.7 4.7 2.8 2.6 2.7
Medical payments and other 0.2 0.2 0.2 0.2 0.3
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies. Excludes Alaska and Texas.
(2) First party, i.e., covers damage to policyholder's own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(6) Less than 0.1 percent.

Source: ISO, a Verisk Analytics company.

HOMEOWNERS INSURANCE LOSSES BY CAUSE, 2008-2012 (1)

(Percent of losses incurred)
Cause of loss 2008 2009 2010 2011 2012
Property damage (2) 94.9% 95.0% 95.4% 97.2% 97.6%
Fire, lightning and debris removal 27.5 27.2 25.5 19.0 25.2
Wind and hail 35.1 31.7 35.6 46.0 47.2
Water damage and freezing 20.6 24.4 21.3 21.7 17.5
Theft 3.0 3.3 3.1 2.4 3.0
All other (3) 8.7 8.5 9.9 8.3 4.7
Liability (4) 5.1% 5.0% 4.6% 2.8% 2.4%
Bodily injury and property damage 4.9 4.8 4.4 2.6 2.3
Medical payments and other 0.2 0.2 0.2 0.2 0.2
Credit card and other (5) (6) (6) (6) (6) (6)
Total 100.0% 100.0% 100.0% 100.0% 100.0%

(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies.
(2) First party, i.e., covers damage to policyholder's own property.
(3) Includes vandalism and malicious mischief.
(4) Payments to others for which policyholder is responsible.
(5) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and miscellaneous losses.
(6) Less than 0.1 percent.

Source: ISO®, a Verisk Analytics® company.