HOMEOWNERS INSURANCE LOSSES BY CAUSE, 2005-2009 (1)

(Percent of losses incurred)

Cause of loss 2005 2006 2007 2008 2009
Property damage 94.95% 93.17% 93.07% 94.97% 95.70%
Fire, lightning and debris removal 22.01% 32.80% 39.22% 29.05% 29.22%
Wind and hail 49.10 28.64 18.71 34.59 31.31
Water damage and freezing 14.60 18.90 23.00 20.90 23.70
Theft 2.27 3.47 3.45 3.15 3.36
All other property damage (2) 6.97 9.37 8.74 7.25 8.11
Liability 5.06 6.83 6.93 5.04 4.29
Bodily injury and property damage 4.29 5.57 5.42 3.64 2.86
Medical payments and other 0.18 0.29 0.25 0.22 0.23
Credit card and other (3) 0.59 0.97 1.26 1.18 1.20
Total (4) 100.00 100.00 100.00 100.00 100.00

(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
(4) May not add up to 100 due to rounding.

Source: ISO, a Verisk Analytics company.