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Homeowners Multiple Peril Insurance, 2014-2023

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2014 $77,914,406 7.1% 91.5 2.0 pts.
2015 79,931,345 2.6 91.3 -0.3
2016 81,191,458 1.6 93.1 1.9
2017 82,811,413 2.0 108.1 15.0
2018 88,938,451 7.4 103.0 -5.1
2019 92,902,143 4.5 97.9 -5.1
2020 97,023,428 4.4 105.9 8.0
2021 104,257,190 7.5 104.4 -1.5
2022 115,202,844 10.5 104.1 -0.3
2023 129,656,600 12.5 111.1 7.0

(1) After reinsurance transactions, excludes state funds.   
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Homeowners Multiple Peril Insurance, 2013-2022

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2013 $72,773,216 7.3% 89.6 -13.4 pts.
2014 77,914,406 7.1 91.5 2.0
2015 79,931,345 2.6 91.3 -0.3
2016 81,191,458 1.6 93.1 1.9
2017 82,811,413 2.0 108.1 15.0
2018 88,938,451 7.4 103.0 -5.1
2019 92,902,143 4.5 97.9 -5.1
2020 97,023,428 4.4 105.9 8.0
2021 104,231,415 7.4 104.4 -1.5
2022 114,916,791 10.3 104.0 -0.4

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Homeowners Multiple Peril Insurance, 2012-2021

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2012 $67,847,033 5.8% 103.0 -18.1 pts.
2013 72,773,216 7.3 89.6 -13.4
2014 77,914,406 7.1 91.5 2.0
2015 79,931,345 2.6 91.3 -0.3
2016 81,191,458 1.6 93.1 1.9
2017 82,811,413 2.0 108.1 15.0
2018 88,938,451 7.4 103.0 -5.1
2019 92,902,143 4.5 97.9 -5.1
2020 97,023,428 4.4 105.9 8.0
2021 103,012,359 6.2 104.3 -1.6

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Homeowners Multiple Peril Insurance, 2011-2020

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2011 $64,131,058 4.0% 121.0 15.0 pts.
2012 67,847,033 5.8 103.0 -18.1
2013 72,773,216 7.3 89.6 -13.4
2014 77,914,406 7.1 91.5 2.0
2015 79,931,345 2.6 91.3 -0.3
2016 81,191,458 1.6 93.1 1.9
2017 82,811,254 2.0 108.1 15.0
2018 88,938,451 7.4 103.0 -5.1
2019 92,977,602 4.5 97.9 -5.2
2020 97,021,422 4.3 105.9 8.0

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Homeowners Multiple Peril Insurance, 2010-2019

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2010 $61,659,466 5.4% 106.0 0.3 pts.
2011 64,131,058 4.0 121.0 15.0
2012 67,847,033 5.8 103.0 -18.1
2013 72,773,216 7.3 89.6 -13.4
2014 77,914,406 7.1 91.5 2.0
2015 79,931,345 2.6 91.3 -0.3
2016 81,191,458 1.6 93.1 1.9
2017 82,811,254 2.0 108.1 15.0
2018 88,938,451 7.4 103.0 -5.1
2019 92,965,248 4.5 97.9 -5.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Homeowners Multiple Peril Insurance, 2009-2018

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2009 $58,478,195 1.9% 105.7 -9.7 pts.
2010 61,659,466 5.4 106.0 0.3
2011 64,131,058 4.0 121.0 15.0
2012 67,847,033 5.8 103.0 -18.1
2013 72,773,216 7.3 89.6 -13.4
2014 77,914,406 7.1 91.5 2.0
2015 79,931,345 2.6 91.3 -0.3
2016 81,191,458 1.6 93.1 1.9
2017 82,811,254 2.0 108.1 15.0
2018 88,920,774 7.4 103.0 -5.1

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Homeowners Multiple Peril Insurance, 2008-2017

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
Ratio (2)		 Annual point
change (3)
2008 $57,375,139 0.6% 115.4 21.5 pts.
2009 58,478,195 1.9 105.7 -9.7
2010 61,659,466 5.4 106.0 0.3
2011 64,131,058 4.0 121.0 15.0
2012 67,847,033 5.8 103.0 -18.1
2013 72,773,216 7.3 89.6 -13.4
2014 77,914,406 7.1 91.5 2.0
2015 79,931,345 2.6 91.3 -0.3
2016 81,191,458 1.6 93.1 1.9
2017 82,811,254 2.0 108.1 15.0

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute

Homeowners Multiple Peril Insurance, 2007-2016

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
Ratio (2)		 Annual point
change (3)
2007 $57,053,137 2.2% 93.9 4.4
2008 57,375,139 0.6% 115.4 21.5
2009 58,478,195 1.9% 105.7 -9.7
2010 61,659,466 5.4% 106.0 0.3
2011 64,131,058 4.0% 121.0 15.0
2012 67,847,033 5.8% 103.0 -18.1
2013 72,773,216 7.3% 89.6 -13.4
2014 77,914,406 7.1% 91.6 2.0
2015 79,931,345 2.6% 91.3 -0.3
2016 81,191,455 1.6% 93.1 1.9

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Homeowners Multiple Peril Insurance, 2006-2015

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2006 $55,822,275 5.3% 89.5 -15.6 pts.
2007 57,053,137 2.2 93.9 4.4
2008 57,375,139 0.6 115.4 21.5
2009 58,478,195 1.9 105.7 -9.7
2010 61,659,466 5.4 106.0 0.3
2011 64,131,058 4.0 121.0 15.0
2012 67,847,033 5.8 103.0 -18.1
2013 72,773,216 7.3 89.6 -13.4
2014 77,914,406 7.1 91.6 2.0
2015 79,931,147 2.6 91.3 -0.3

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded numbers.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

HOMEOWNERS MULTIPLE PERIL INSURANCE, 2005-2014

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2005 $53,010,922 6.1% 105.1 8.9 pts.
2006 55,822,275 5.3 89.5 -15.6
2007 57,053,137 2.2 93.9 4.4
2008 57,375,139 0.6 115.4 21.5
2009 58,478,195 1.9 105.7 -9.7
2010 61,659,466 5.4 106.0 0.3
2011 64,131,058 4.0 121.0 15.0
2012 67,847,033 5.8 103.0 -18.1
2013 72,773,216 7.3 89.6 -13.4
2014 77,908,777 7.1 91.6 2.0

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.  

Source: SNL Financial LC.

HOMEOWNERS MULTIPLE PERIL INSURANCE, 2004-2013

($000)
Year Net premiums written (1) Annual percent change Combined ratio (2) Annual point change (3)
2004 $49,980,419 8.8% 96.2 -2.2 pts.
2005 53,010,922 6.1 105.1 8.9
2006 55,822,275 5.3 89.5 -15.6
2007 57,053,137 2.2 93.9 4.4
2008 57,375,139 0.6 115.4 21.5
2009 58,478,195 1.9 105.7 -9.7
2010 61,659,466 5.4 106.0 0.3
2011 64,131,058 4.0 121.0 15.0
2012 67,847,033 5.8 103.0 -18.1
2013 72,773,216 7.3 89.6 -13.4

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.  

Source: SNL Financial LC.

Homeowners Multiple Peril Insurance, 2015-2024

($000)
Year Net premiums
written (1)		 Annual percent
change		 Combined
ratio (2)		 Annual point
change (3)
2015 $79,416,454 3.4% 91.9 -0.7 pts.
2016 80,517,222 1.4 93.2 1.3
2017 82,262,386 2.2 107.2 14.0
2018 88,327,721 7.4 103.9 -3.2
2019 92,290,204 4.5 98.5 -5.4
2020 96,337,734 4.4 107.4 8.9
2021 103,388,421 7.3 103.8 -3.7
2022 113,869,764 10.1 104.5 0.7
2023 127,993,230 12.4 110.9 6.5
2024 145,689,078 13.8 99.7 -11.2

(1) After reinsurance transactions, excludes state funds.
(2) After dividends to policyholders. A drop in the combined ratio represents an improvement; an increase represents a deterioration.
(3) Calculated from unrounded data.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.