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.