HOMEOWNERS INSURANCE LOSSES, 2009-2013 (1)
  Total homeowners losses   Total homeowners losses
Year Claim frequency (2) Claim severity (3) Year Claim frequency (2) Claim severity (3)
2009 6.09 $8,411 2012 7.56 $8,801
2010 6.66 8,618 2013 4.81 10,271
2011 9.83 8,455 Average (4) 7.02 $8,793
(1) For homeowners multiple peril policies. Excludes tenants and condominium policies. Excludes Alaska and Texas. (2) Claims per 100 house years (policies). (3) Average amount paid per claim; based on accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. (4) Weighted average, 2009-2013. Source: ISO, a Verisk Analytics company.