Personal Lines Premium Comparison Survey - Homeowners

There are two sets of exhibits linked below. The first shows a separate page for each territory, with all of the hypothetical rating examples across the top. The second shows a separate page for each hypothetical rating example, with all of the territories across the top.

NOTE: All homeowners rating examples include the following unless otherwise noted:

Liability Limit: $300,000
Deductible: $500
Medical Payments: $5,000

Example 1:
Homeowner (HO-3) policy for an owner-occupied, single family wood frame house, built in 1985. It is heated with oil or gas, has one working fireplace and a composite shingle roof. A fire hydrant is located within 1,000 feet and a responding fire station is within five miles. Replacement value of the home is $200,000. There are no outbuildings (a 2-car garage is attached). The full replacement value for contents is $140,000.

Example 2:
Homeowner (HO-3) policy for an owner-occupied, single family wood frame house, built in 1890. It is heated with oil or gas, has one working fireplace and a composite shingle roof. The wiring and plumbing have been updated to code 5 years ago. A fire hydrant is located within 1,000 feet and a responding fire station is within five miles. Replacement value of the home is $300,000. There is a detached 1-car garage. The full replacement value for contents is $150,000.

Example 3:
Tenant (HO-4) policy for an apartment located in a twenty-five unit wood frame building, built in 1995. The fire hydrant is located within 500 feet and a responding fire station is located within five miles. The full replacement value for contents is $50,000.

Example 4:
Condominium owners (HO-6) policy. The property is one of ten units in a wood frame building, built in 2000. It is heated by gas and has one working fireplace. A fire hydrant is located within 500 feet and a responding fire department is within five miles. The full replacement value for contents is $100,000.

Notes:
- Premium are shown for a 12 Month Period.
- Premiums do not reflect any credit for being a multi-policy account.
- Premiums assume all properties are equipped with smoke detectors, fire extinguishers & dead bolts.
- Premiums assume that the roofs are 10 years old.
- All examples assume no credit deficiencies.
- Examples do not include premium charges for any other optional coverage or endorsements.

One exhibit for each location

One exhibit for each example

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