Final Home Insurance Report 2020 Stat Supp pagenation~1.pdf

Massachusetts Division of Insurance Statistical Supplement to the Annual

Home Insurance Report For Calendar Year 2020

Gary D. Anderson Commissioner of Insurance

Introduction

The enclosed statistical supplement was prepared by the State Rating Bureau staff of the Massachusetts Division of Insurance (“Division”). Matthew M. Mancini, State Rating Bureau Director, Gerald B. Condon, State Rating Bureau Researcher, Caleb E. Huntington, State Rating Bureau Mathematician, Bashiru Abubakare, State Rating Bureau Actuary / Statistician as material that complement what is included in the 2020 Annual Report on the Massachusetts Market for Home Insurance.

The material included in this statistical supplement to the annual report is based primarily on responses from companies and statistical reporting organizations reflecting the experience of companies in the home insurance market. Unless otherwise noted in the report, references to home insurance, includes traditional home insurance, as well as condominium and rental insurance. The Division makes all appropriate efforts to check the completeness and consistency of data reported by insurance companies and their statistical agents, but does rely on the insurance companies for the accuracy of all reported information.

STATISTISICAL SUPPLEMENT TO

THE 2020 REPORT ON

THE MASSACHUSETTS MARKET FOR HOME INSURANCE

Page Title

2020 Market Summary 1 History of Multi-Peril Home Insurance in Massachusetts 7 Exhibit 1A M.G.L. c. 175, § 4A 10 Exhibit 1B M.G.L. c. 175, § 4B

FAIR Plan Credits and Credit Eligible Zip Codes 11 Exhibit 2A 2020 FAIR Plan Calendar Year Credit Eligible Zip Codes and Weights 12 Exhibit 2B 2020 FAIR Plan Calendar Year Coastal Zip Codes Eligible for Take-Out Credits

Wind Deductibles 13 Exhibit 3A Mandatory Wind/Hurricane/Named Storm Deductible Summary 14 Exhibit 3B Policies In-Force for Selected Zip Codes - Wind/Hurricane/Named Storm Deductibles

2020 Premiums and Losses (M.G.L. c. 175, § 4A) Home Insurance Written Premium

19 Exhibit 4A 2018-20 Total Market Home Written Premium by Territory 20 Exhibit 4B 2018-20 Total Market Home Written Premium by Zip Code 35 Exhibit 4C 2018-20 FAIR Plan Home Premium Market Share by Territory

Home Insurance Premium & Loss Experience by Territory 36 Exhibit 5A 2020 Voluntary Market Home Premium & Loss Experience by Territory by Form 40 Exhibit 5B 2020 FAIR Plan Home Premium & Loss Experience by Territory by Form 44 Exhibit 5C 2020 Total Market Home Premium & Loss Experience by Territory by Form 48 Exhibit 5D 2020 Top 25 Insurers/FAIR Plan Aggregate Premium & Loss Experience by Zip Code

Home Insurance Loss Ratios 75 Exhibit 6A Changes in Massachusetts Loss Ratios, All Home Forms 76 Exhibit 6B Changes in Massachusetts Loss Ratios, Home Forms Only 77 Exhibit 6C 2020 Cause of Loss by Territory by Form, All Home Forms

Causes of Home Losses 88 Exhibit 7A 2016-20 Percent of Loss Dollars by Cause of Loss by Territory 90 Exhibit 7B Snowfall, Boston, Massachusetts, 1979-2021 Winter Seasons

Snowfall, Boston, Massachusetts, 2007-2020 Calendar Years

2020 Home Insurance Cancellation/Nonrenewal (M.G.L. c. 175, § 4B) 92 Exhibit 8A Individual Insurer and FAIR Plan 2020 Cancellation/Nonrenewal Reports 222 Exhibit 8B Top 25 Insurers and FAIR Plan 2020 Aggregate Cancellation/Nonrenewal Report 227 Exhibit 8C Summary of 2020 Cancellations 228 Exhibit 8D Summary of 2020 Nonrenewals 229 Exhibit 8E 2020 Renewal/Nonrenewal Claims History

HISTORY OF MULTI-PERIL HOME

INSURANCE IN MASSACHUSETTS

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Multi-Peril Home Insurance

The Division of Insurance produces “Understanding Home Insurance”1 that describes the differing types of home insurance. Home insurance has several forms, but ordinarily the insured is the occupant. In this report, statistics on home insurance refer to traditional home insurance, as well as condominium and rental insurance.

Fire insurance on real property has been commonplace in the United States since the nineteenth century.

In the 1950’s, multi-peril home insurance policy was introduced. This coverage provided a more comprehensive coverage for damage from additional perils, as well as fire and protection against personal liability arising from use of the real property. Multi-peril home insurance policies became the standard by the 1960’s with Insurance Services Office, Inc. (ISO), an industry rating and statistical organization, as the lead sponsor of the standard home insurance policies since that time.2 The Division of Insurance maintains a listing on its website3 of 90 commercial insurance companies that have indicated they have written ten or more home insurance policies in the second half of 2020 in Massachusetts.

Creation and Evolution of the Massachusetts FAIR Plan In the 1960’s, there were periods of civil unrest resulting in extensive property damage (not to mention loss of life) in a number of large metropolitan areas across the United States. Many insurers withdrew from offering property coverage in urban areas. A national advisory panel on the nation’s cities advised the President of the United States that fair access to property insurance was a prerequisite for revitalization of urban America and called for a significant change in the insurance and reinsurance markets in relation to the protection of urban property. Following the recommendation of the advisory panel, the Commonwealth of Massachusetts created the Urban Area Insurance Placement Facility (Facility) shortly before Congress enacted the Urban Property and Reinsurance Act of 1968 authorizing the establishment of state “FAIR (Fair Access to Insurance Requirements) Plans” along with federal riot reinsurance to insurers.

The Facility served as Massachusetts’ FAIR Plan, both issuing residual market coverage on behalf of its members insurers and performing some of the functions of a traditional insurance company that inspects property, collects premium, and adjusts claims. The coverage initially offered through the FAIR Plan included a standard fire insurance policy for both personal and commercial lines, which also covered direct loss from the perils of vandalism and malicious mischief. The enabling act contemplated that the Facility would operate in “urban areas” designated by the Commissioner.4 In 1970, the Commissioner of Insurance broadened the designated area of operations for the Facility to include the entire Commonwealth of Massachusetts. The Commissioner also established that the commission rate to producers placing business in the FAIR Plan would be 12% of the premium charged to the insured.5 In 1975, the Commissioner of Insurance expanded the personal lines coverage offered by the FAIR Plan from what is covered in a standard fire insurance policy to what is covered in a multi-peril insurance policy.

In addition, the Commissioner required that premium rates charged by the FAIR Plan to home be tied to the published manual rates of the ISO (Insurance Services Offices) rating organization for standard home risks.6

1 “Understanding Home Insurance” is available at Understanding Home Insurance | Mass.gov.

2 General revisions of these home policies – usually referred to as HO-3 plans - have historically been filed by ISO on an intermittent basis, usually once every five to ten years.

3 The listing of home insurance companies on the Division of Insurance website can be located at Companies Issuing 10 or More Home Insurance Policies in Second Half of 2020 - By County | Mass.gov.

4 Chapter 731 of the Acts of 1968 defined “urban area” as “any city or town, or streets or sections thereof, in the commonwealth so designated by the commissioner after appropriate hearing.” This designation was subsequently accomplished through regulation 211 CMR 5.00.

5 The 12% commission rate has remained constant since that time 6 The ISO rates were based on premium and loss data from all insurance companies that reported their premium and loss data to ISO as their statistical agent. These insurers at that time collectively wrote more than 70% of the home insurance market in Massachusetts.

https://www.mass.gov/info-details/understanding-home-insurance https://www.mass.gov/service-details/companies-issuing-10-or-more-home-insurance-policies-in-second-half-of-2020-by-county https://www.mass.gov/service-details/companies-issuing-10-or-more-home-insurance-policies-in-second-half-of-2020-by-county

Studies of Urban Insurance Availability (Redlining) During the 1990s, there appeared to be continued problems in the availability of home insurance in urban areas and some analysts claimed that insurance companies had been “redlining” or unfairly discriminating against certain risks solely due to the geographic location and/or the racial or ethnic characteristics of potential insureds. “Redlining” is and has been a controversial issue in property insurance since at least the 1960’s and charges of redlining have been raised against certain property insurers and the property insurance industry as a whole over the years.

In 1993-95, the National Association of Insurance Commissioners (NAIC) undertook several studies on the issues of availability and affordability of urban insurance in the personal automobile and home insurance markets;7 the studies were not conclusive regarding redlining in urban areas. These studies did identify problems in obtaining coverage in many urban areas, but they were not able to pinpoint whether this could be solely tied to company underwriting practices, or whether it was also due to the lack of urban insurance producers (agents or brokers), rate inadequacy for certain urban areas, or carrier misconceptions relative to urban risks. It was generally found, however, that premiums were higher in urban areas.8

In 1995, following the release of the NAIC studies, the Massachusetts Division of Insurance (DOI) Special Investigative Unit (SIU) conducted an examination of eight insurers who were major writers of coverage in the Massachusetts home insurance market and representative of the home market as a whole.9 The SIU examination focused on the marketing and underwriting practices of these insurers in the Boston area. The purpose of the examination was to determine whether any of the eight insurers were engaged in unlawful discrimination in underwriting in Boston or any of its neighborhoods. This examination did not reveal any illegal discrimination by these insurers.

The NAIC studies helped focus attention on the need for insurers to reassess their approach to urban markets. In Massachusetts, this resulted in at least two small changes. First, a brokerage system was designed to help insurers find potential customers who met their underwriting criteria.10 Second, the Massachusetts Affordable Housing Alliance (MAHA) and several insurers undertook to encourage risk management training for insureds in urban areas, with discounted premiums made available as a reward for completion of the training.

Chapter 93 of the Acts of 1996 Following the publication of the NAIC studies and the subsequent DOI examination of urban home policies, a number of parties with a role in the home market - including insurers, insurance producers, consumers, legislators, and regulators - wanted to address the availability of home insurance in urban and coastal areas in the voluntary market.11 They considered whether there should be monetary incentives for insurers to write urban and coastal property in the voluntary market, changes in the way that Facility operated and residual market rates were determined, and regular reporting so that the DOI could analyze home insurance data on both a company and industry basis.

Chapter 93 of the Acts of 1996 restructured the Facility and made several changes in the FAIR Plan operation, Chapter 93 made the following changes:

1. Eliminated the portions of the enabling act providing for an insurance placement facility and replaced them with language establishing a form of joint underwriting association, the Massachusetts Property Insurance

7 A Preliminary Analysis of Urban Insurance Markets, Robert W. Klein, 1994. Urban Insurance Problems And Solutions:

Interim Report, National Association of Insurance Commissioners Insurance Availability and Affordability (EX3) Task Force, 1994. The Impact of Loss Costs on Urban Home Insurance Markets, Robert W. Klein, 1995.

8 The loss costs (cost of claims) associated with homes and businesses in those areas were higher as well.

9 Report of Examination of Homeowner Insurance Availability in The Metropolitan Boston Area, Massachusetts Division of Insurance, November 1995.

10 This Market Assistance Plan (MAP) was required by Chapter 93 of the Acts of 1996.

11 The voluntary market is a group of insurers who write insurance in an environment that allows the right to accept and reject business submitted. The voluntary market does not include Excess or Surplus Lines.

Underwriting Association (MPIUA), which, like the Facility, would issue policies on behalf of its member insurers and serve as the Massachusetts FAIR Plan.12

2. Provided FAIR Plan assessment credits in 1997-98 for insurers writing voluntary business in territories where the FAIR Plan had high market penetration.

3. Required FAIR Plan to provide assessment credits starting January 1, 1999 for insurers writing voluntary business in zip codes where the FAIR Plan had high market penetration. (See Exhibit 2A)

4. Provided FAIR Plan assessment credits (“take-out credits”) for insurers writing voluntary business in coastal territories where more than 60% of the territory business had previously been written in the FAIR Plan.

5. Required FAIR Plan to provide take-out credits starting January 1, 1999 for insurers writing voluntary business in coastal zip codes where the FAIR Plan had a greater than 60% market penetration. (See Exhibit 2B)

6. Tied FAIR Plan to rate changes in the voluntary market13. (See Exhibit 2C)

7. Provided for the top twenty-five insurers and the FAIR Plan to annually provide detailed cancellation and nonrenewal information by zip code for home insurance.

8. Provided that statistical agents for home insurance in Massachusetts are to submit premium and loss data reports by zip code and type of coverage, including detail on the causes of loss for each reported company.14

9. Provided that the Commissioner of Insurance report annually on the state of the Massachusetts home insurance market after substantial analysis of the data submitted in (6) and (7).

10. Authorized alternative loss settlement practices subject to the use of disclosure forms designed by the Commissioner.

11. Required the FAIR Plan to offer coverage through an installment plan and provide coverage for scheduled personal property.

12. Required the FAIR Plan to develop a market assistance plan (MAP) to assist applicants to obtain home insurance in the voluntary market.

Changes to FAIR Plan/MPIUA Rating Rules

Chapter 175C, section 5 requires the FAIR Plan to develop its rates by territory and follow different rating rules for homes in “large share territories” - where the FAIR Plan has a significant share of the business – as compared to all other homes.

Previously, in large share territories, the FAIR Plan rates could not increase by more than the “overall statewide average percentage increase” of the top 10 largest home insurance by market share in the Massachusetts in the prior calendar year. For all other territories, the commissioner could disapprove the FAIR Plan’s proposed rates if they exceed the ninetieth percentile of the rates in use in the territory by the 10 insurers with the largest market shares of home insurance written in the commonwealth on a statewide basis.

In 2004 two major changes were made to the ways that FAIR Plan rates are calculated:

• The law was changed to modify “large share territories.”

o Defined large share territories as ones covering 7% of more of the home premium over the past 3 years.

o Limited the number of “large share territories” to 13 in any one year

• The Commissioner of Insurance was directed to consider the effects of predicted hurricane losses and the cost of catastrophe reinsurance when examining the FAIR Plan’s proposed rates.

12 Due to continuity of mission, membership, and operations, the terms MPIUA and FAIR Plan are often used interchangeably.

13 Chapter 436 of the Acts of 2004 (An Act Relative to the Joint Underwriting Association) permits the FAIR Plan to factor in the predicted costs of hurricane losses and the cost of catastrophe reinsurance.

14 The first data submission provided in 1996 was exclusively on a territorial basis. All subsequent data submissions have been required to include certain data on a zip code basis.

Exhibit 1A

GENERAL LAWS OF MASSACHUSETTS

PART I. ADMINISTRATION OF THE GOVERNMENT

TITLE XXII. CORPORATIONS

CHAPTER 175. INSURANCE

POWERS AND DUTIES OF COMMISSIONER OF INSURANCE

Chapter 175: Section 4A. Provision of data to commissioner by homeowners insurers and joint underwriting association; access to confidential data; annual report to general court

Section 4A. As of July first, nineteen hundred and ninety-six, and annually thereafter, each admitted insurer writing homeowners insurance in the commonwealth, in accordance with the provisions of section four, and the joint underwriting association, formed pursuant to the provisions of chapter one hundred and seventy-five C shall furnish for examination and inspection by the commissioner of insurance, in accordance with section five of chapter one hundred and seventy-five C, for the owners, tenants and condominium, separately, forms of homeowners insurance written since January first, nineteen hundred and ninety-four, by standard statistical territories approved by the commissioner, a statistical report of its homeowners insurance experience showing the following data: written premiums; earned premiums; incurred losses, including loss adjustment expenses; loss ratio; number of incurred claims; and number of exposures.

As of July first, nineteen hundred and ninety-seven, or such later reasonable date as the commissioner may order after a hearing, but not later than July first, nineteen hundred and ninety-eight, the twenty-five admitted insurers with the largest homeowners market share in the commonwealth and the joint underwriting association, formed pursuant to the provisions of chapter one hundred and seventy-five C, shall furnish such data as provided in the preceding paragraph on the basis of the postal zip codes of credit-eligible territories, under the plan authorized by section four of chapter one hundred and seventy-five C, of all other postal zip codes in the city of Boston and such other postal zip codes as may be designated by the commissioner.

All data reports shall be formatted and produced in accordance with the National Association of Insurance Commissioners statistical handbook. Compliance with the requirements of this section shall be effected through statistical agents approved by the commissioner to act on behalf of the reporting insurers. In setting the effective date for data reporting in accordance with the preceding paragraph, the commissioner shall consider the practical ability of each statistical agent to so collect and report such data with an acceptable level of statistical credibility.

Access to such confidential data shall be granted by the commissioner to the attorney general, to the extent he so requests, for law enforcement purposes, and to the chairmen of the joint committee on insurance; provided, however, that the attorney general and the chairmen of the joint committee on insurance shall hold and keep such data confidential.

All information reported pursuant to this section shall be given confidential treatment and shall not be subject to subpoena and shall not be made public by the commissioner, attorney general, chairmen of the joint committee on insurance, or any other person, without the prior written consent of the insurer to which it pertains, except by the insurer;

provided, however, that if the commissioner, after giving the insurer and its affiliates who would be affected thereby, as well as the person or organization making the request, notice and the opportunity to be heard, determines that the interests of policyholders, shareholders or the public will be served by the publication thereof. In the event that the commissioner determines that such publication is appropriate, he may publish all or part of such data in such manner as he deems appropriate. Such hearing shall be held according to the adjudicatory procedures in chapter thirty A of the General Laws.

As of October first, nineteen hundred and ninety-six, and annually thereafter, the commissioner shall report to the general court concerning the current state of the homeowners insurance market in the commonwealth, both voluntary and residual market, and the conclusions reached by the commissioner based upon his most recent examination and inspection of the industry premium and loss data. Each such annual report shall be filed with the clerks of the senate and house of representatives who shall forward the same to the joint committee on insurance, the house and senate committees on ways and means and the attorney general. Such report shall be made available to the public by the commissioner. Said report shall summarize on an aggregate industry basis, by standard statistical territory and, when available, by zip code, broken down between voluntary and residual markets, the data concerning premiums and losses on homeowners insurance disclosed by the reporting insurers. Further, said report shall substantively analyze: the causes of loss and any trends discerned from the data by the commissioner;

the respective market shares and levels of rate subsidies of the residual market policies written by the joint underwriting association, formed pursuant to the provisions of chapter one hundred and seventy-five C, compared to the voluntary homeowners insurance market; the availability and affordability of homeowners insurance in those territories whose association market share equals or exceeds four percent, with particular attention to credit-eligible territories; and the impact of such rate subsidies of the residual market policies written by said association upon the availability of homeowners insurance in the voluntary insurance market.

Each such annual report shall further examine the availability of homeowners insurance through the admitted insurers and the joint underwriting association, formed pursuant to the provisions of chapter one hundred and seventy-five C, in coastal municipalities, as well as the extent to which direct losses to residences caused by wind affect such availability. Said report may also contain any recommendations of the commissioner concerning legislation or other suggestions relative to the homeowners insurance market, loss control or disaster mitigation in the commonwealth.

Premium, loss and other data of individual insurers collected and examined by the commissioner shall not be specifically identified in said report; provided however that the commissioner shall, in an appendix, profile, separately for the twenty-five admitted insurers with the largest homeowners market share in the commonwealth based upon statewide written premium and, for the joint underwriting association, formed pursuant to the provisions of chapter one hundred and seventy-five C, the gross number of exposures, cancellations and non-renewals that each insured under homeowners insurance forms during the relevant time period covered by the data examined and inspected by the commissioner, in each such postal zip code or standard statistical territory for which data was collected and examined by the commissioner pursuant to this section. The commissioner’s report shall also include an appendix which tabulates the industry aggregate number of homeowners policy non-renewals and cancellations effected during such relevant time period as reported to the commissioner pursuant to the provisions of section four B of chapter one hundred and seventy-five.

Exhibit 1B

GENERAL LAWS OF MASSACHUSETTS

PART I. ADMINISTRATION OF THE GOVERNMENT

TITLE XXII. CORPORATIONS

CHAPTER 175. INSURANCE

POWERS AND DUTIES OF COMMISSIONER OF INSURANCE

Chapter 175: Section 4B. Annual report to commissioner of cancellations and non-renewals of homeowners policies

Section 4B. The commissioner, each year, shall direct and cause the twenty-five admitted insurers with the largest homeowners market share in the commonwealth, based upon statewide written premium and the joint underwriting association, formed pursuant to the provisions of chapter one hundred and seventy-five C, to submit directly for his inspection and examination a tabulation and report, for each postal zip code within credit-eligible territories, as defined by chapter one hundred and seventy-five C, of all other postal zip codes in the city of Boston, and such other postal zip codes as may be designated by the commissioner of insurance, of the number of effected cancellations and number of effected non-renewals of homeowners policies covering properties within such zip codes; provided, however, that the personal privacy of policyholders shall be preserved and all tabulations furnished pursuant hereto shall be deemed materials described in subclause (c) of clause Twenty-sixth of section seven of chapter four.

Exhibit 2A

2020 FAIR Plan

Calendar Year Credit

Eligible Zip Codes and Weights

Zip Code City/Town Weight

02744 (NEW BEDFORD) 1.0

02065 (OCEAN BLUFF) .90

02713 (CUTTYHUNK) .80

02639 (DENNISPORT) .80

02381 (WHITE HORSE BEACH) .80

02670 (WEST DENNIS) .70

02047 (HUMAROCK) .70

02558 (ONSET) .70

02020 (BRANT ROCK) .70

02121 (BOSTON) .70

02671 (WEST HARWICH) .60

02557 (OAK BLUFFS) .60

02651 (NORTH EASTHAM) .60

02659 (SOUTH CHATHAM) .60

02128 (BOSTON) .60

02041 (GREEN HARBOR) .60

02673 (WEST YARMOUTH) .60

02119 (BOSTON) .60

02669 (WEST CHATHAM) .60

02663 (SOUTH WELLFLEET) .60

01840 (LAWRENCE) .60

02045 (HULL) .50

01841 (LAWRENCE) .50

02657 (PROVINCETOWN) .50

02126 (MATTAPAN) .50

02646 (HARWICHPORT) .50

02125 (BOSTON) .50

02553 (MONUMENT BEACH) .50

02661 (SOUTH HARWICH) .50

02642 (EASTHAM) .50

02150 (CHELSEA) .50

02740 (NEW BEDFORD) .50

02746 (NEW BEDFORD) .50

02664 (SOUTH YARMOUTH) .50

02124 (BOSTON) .50

02571 (WAREHAM) .50

02601 (HYANNIS) .50

02652 (NORTH TRURO) .50

02667 (WELLFLEET) .50

02122 (BOSTON) .50

01902 (LYNN) .50

02345 (MANOMET) .40

02672 (WEST HYANNISPORT) .40

02666 (TRURO) .40

02662 (SOUTH ORLEANS) .40

Exhibit 2B

2020 FAIR Plan

Calendar Year Coastal Zip Codes

Eligible for Take Out-Credits

Zip Code City/Town

No coastal zip codes were eligible for take-out credits.

Exhibit 3A

Mandatory

Deductible Summary

Maximum Windstorm/

Company Deductible Hail Hurricane Named Storm

Allstate Insurance Grp N/A American Family Ins Grp 5% X X American International Group 1% X X Amica Mut Grp 5% X Andover Grp 5% X X Arbella Ins Grp 3% X Barnstable Grp 2% X X Chubb Ltd Grp 5% X X X Heritage Insurance Holdings Group (formerly NBIC Holdings Grp) N/A Liberty Mut Grp 5% X Metropolitan Grp 5% X Mapfre Ins Grp 5% X New London County Grp 3% X Norfolk & Dedham Grp 5% X Plymouth Rock Ins Grp 2% X Preferred Mut Ins Co N/A Pure Companies Grp N/A Quincy Mut Grp 5% X Safety Grp (The) 5% X X Travelers Group 5% X The Hanover Ins Grp 5% X United Ins Holdings Grp N/A United Services Automobile Asn Grp 2% X Universal Ins Holdings Grp N/A Vermont Mut Grp 2% X FAIR Plan 5% X

Mandatory Wind Deductible Report

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2020 Policies in Force Mandatory Wind/ Percentage of Policies with

Policies Hurricane Mandatory Wind/ Zip in Force* Deductible Hurricane

Code City/Town/Post Office as of 12/31/20 as of 12/31/20 Deductible

01101 SPRINGFIELD 40 8 20.0%

01102 SPRINGFIELD 3 0 0.0%

01103 SPRINGFIELD 334 12 3.6%

01104 SPRINGFIELD 4,304 1,049 24.4%

01105 SPRINGFIELD 722 146 20.2%

01107 SPRINGFIELD 1,069 253 23.7%

01108 SPRINGFIELD 4,394 868 19.8%

01109 SPRINGFIELD 4,642 1,294 27.9%

01111 SPRINGFIELD 0 0 0.0%

01114 SPRINGFIELD 0 0 0.0%

01115 SPRINGFIELD 3 0 0.0%

01118 SPRINGFIELD 4,017 860 21.4%

01119 SPRINGFIELD 3,026 711 23.5%

01128 SPRINGFIELD 873 192 22.0%

01129 SPRINGFIELD 2,102 430 20.5%

01133 SPRINGFIELD 0 0 0.0%

01138 SPRINGFIELD 0 0 0.0%

01139 SPRINGFIELD 0 0 0.0%

01144 SPRINGFIELD 0 0 0.0%

01151 INDIAN ORCHARD 1,429 310 21.7%

01152 SPRINGFIELD 1 0 0.0%

01199 SPRINGFIELD 0 0 0.0%

01601 WORCESTER 20 3 15.0%

01602 WORCESTER 5,503 931 16.9%

01603 WORCESTER 3,408 729 21.4%

01604 WORCESTER 7,072 1,250 17.7%

01605 WORCESTER 4,158 699 16.8%

01606 WORCESTER 5,214 867 16.6%

01607 WORCESTER 1,447 277 19.1%

01608 WORCESTER 476 33 6.9%

01609 WORCESTER 3,124 445 14.2%

01610 WORCESTER 1,891 365 19.3%

01611 CHERRY VALLEY 504 75 14.9%

01612 PAXTON 1,323 163 12.3%

01613 WORCESTER 12 1 8.3%

01614 WORCESTER 3 1 33.3%

01615 WORCESTER 3 1 33.3%

01653 WORCESTER 0 0 0.0%

01654 WORCESTER 0 0 0.0%

01655 WORCESTER 0 0 0.0%

01840 LAWRENCE 455 56 12.3%

01841 LAWRENCE 5,282 1,372 26.0%

01842 LAWRENCE 33 10 30.3%

01843 LAWRENCE 3,862 792 20.5%

01850 LOWELL 2,554 476 18.6%

01851 LOWELL 4,691 936 20.0%

01852 LOWELL 6,553 1,138 17.4%

01853 LOWELL 22 2 9.1%

01854 LOWELL 4,001 684 17.1%

01901 LYNN 226 30 13.3%

01902 LYNN 6,571 3,032 46.1%

01903 LYNN 24 12 50.0%

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2020 Policies in Force Mandatory Wind/ Percentage of Policies with

Policies Hurricane Mandatory Wind/ Zip in Force* Deductible Hurricane

Code City/Town/Post Office as of 12/31/20 as of 12/31/20 Deductible

01904 LYNN 4,720 1,593 33.8%

01905 LYNN 3,894 1,552 39.9%

01910 LYNN 1 0 0.0%

02020 BRANT ROCK 84 55 65.5%

02041 GREEN HARBOR 47 30 63.8%

02045 HULL 4,090 1,961 47.9%

02047 HUMAROCK 321 198 61.7%

02055 MINOT 2 0 0.0%

02065 OCEAN BLUFF 29 22 75.9%

02101 BOSTON 6 0 0.0%

02102 BOSTON 0 0 0.0%

02103 BOSTON 1 0 0.0%

02104 BOSTON 2 0 0.0%

02105 BOSTON 0 0 0.0%

02106 BOSTON 0 0 0.0%

02107 BOSTON 2 0 0.0%

02108 BOSTON 1,194 113 9.5%

02109 BOSTON 1,161 78 6.7%

02110 BOSTON 1,063 88 8.3%

02111 BOSTON 1,404 145 10.3%

02112 BOSTON 3 0 0.0%

02113 BOSTON 1,557 136 8.7%

02114 BOSTON 3,225 257 8.0%

02115 BOSTON 2,874 205 7.1%

02116 BOSTON 5,941 579 9.7%

02117 BOSTON 5 1 20.0%

02118 BOSTON 4,949 480 9.7%

02119 BOSTON 2,631 941 35.8%

02120 BOSTON 932 123 13.2%

02121 BOSTON 2,168 1,020 47.0%

02122 BOSTON 3,638 1,303 35.8%

02123 BOSTON 3 2 66.7%

02124 BOSTON 7,289 2,898 39.8%

02125 BOSTON 4,365 1,579 36.2%

02126 MATTAPAN 3,467 1,493 43.1%

02127 BOSTON 8,774 1,620 18.5%

02128 BOSTON 5,305 1,548 29.2%

02129 CHARLESTOWN 4,538 718 15.8%

02130 JAMAICA PLAIN 7,844 1,011 12.9%

02131 ROSLINDALE 6,267 1,211 19.3%

02132 WEST ROXBURY 7,636 1,201 15.7%

02133 BOSTON 4 0 0.0%

02134 ALLSTON 2,484 254 10.2%

02135 BRIGHTON 7,850 752 9.6%

02136 HYDE PARK 6,219 1,869 30.1%

02137 READVILLE 9 3 33.3%

02138 CAMBRIDGE 6,712 666 9.9%

02139 CAMBRIDGE 6,234 643 10.3%

02140 CAMBRIDGE 4,225 429 10.2%

02141 CAMBRIDGE 2,918 344 11.8%

02142 CAMBRIDGE 549 41 7.5%

02143 SOMERVILLE 5,292 676 12.8%

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2020 Policies in Force Mandatory Wind/ Percentage of Policies with

Policies Hurricane Mandatory Wind/ Zip in Force* Deductible Hurricane

Code City/Town/Post Office as of 12/31/20 as of 12/31/20 Deductible

02144 SOMERVILLE 5,376 539 10.0%

02145 SOMERVILLE 4,647 700 15.1%

02150 CHELSEA 3,869 949 24.5%

02151 REVERE 9,665 3,307 34.2%

02152 WINTHROP 4,455 1,848 41.5%

02163 BOSTON 51 2 3.9%

02196 BOSTON 3 0 0.0%

02199 BOSTON 325 22 6.8%

02201 BOSTON 1 0 0.0%

02202 BOSTON 0 0 0.0%

02203 BOSTON 0 0 0.0%

02204 BOSTON 0 0 0.0%

02205 BOSTON 0 0 0.0%

02206 BOSTON 1 0 0.0%

02207 BOSTON 0 0 0.0%

02208 BOSTON 0 0 0.0%

02209 BOSTON 0 0 0.0%

02210 BOSTON 1,558 153 9.8%

02211 BOSTON 2 0 0.0%

02212 BOSTON 0 0 0.0%

02215 BOSTON 2,137 130 6.1%

02216 BOSTON 3 0 0.0%

02217 BOSTON 0 0 0.0%

02222 BOSTON 0 0 0.0%

02228 EAST BOSTON 0 0 0.0%

02238 CAMBRIDGE 2 0 0.0%

02239 CAMBRIDGE 0 0 0.0%

02241 BOSTON 0 0 0.0%

02266 BOSTON 0 0 0.0%

02283 BOSTON 0 0 0.0%

02284 BOSTON 0 0 0.0%

02293 BOSTON 1 0 0.0%

02295 BOSTON 0 0 0.0%

02297 BOSTON 0 0 0.0%

02298 BOSTON 0 0 0.0%

02301 BROCKTON 10,038 2,259 22.5%

02302 BROCKTON 6,904 1,565 22.7%

02303 BROCKTON 25 8 32.0%

02304 BROCKTON 1 0 0.0%

02305 BROCKTON 1 0 0.0%

02360 PLYMOUTH 18,600 7,140 38.4%

02361 PLYMOUTH 13 2 15.4%

02362 PLYMOUTH 13 6 46.2%

02381 WHITE HORSE BEACH 53 36 67.9%

02532 BUZZARDS BAY 4,223 2,107 49.9%

02534 CATAUMET 432 274 63.4%

02535 CHILMARK 827 681 82.3%

02536 EAST FALMOUTH 8,689 5,651 65.0%

02537 EAST SANDWICH 2,270 1,339 59.0%

02538 EAST WAREHAM 1,223 539 44.1%

02539 EDGARTOWN 2,218 1,811 81.7%

02540 FALMOUTH 4,190 2,836 67.7%

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2020 Policies in Force Mandatory Wind/ Percentage of Policies with

Policies Hurricane Mandatory Wind/ Zip in Force* Deductible Hurricane

Code City/Town/Post Office as of 12/31/20 as of 12/31/20 Deductible

02541 FALMOUTH 66 55 83.3%

02542 BUZZARDS BAY 86 0 0.0%

02543 WOODS HOLE 511 383 75.0%

02552 MENEMSHA 5 5 100.0%

02553 MONUMENT BEACH 250 198 79.2%

02554 NANTUCKET 4,461 3,277 73.5%

02556 NORTH FALMOUTH 1,941 1,346 69.3%

02557 OAK BLUFFS 1,996 1,660 83.2%

02558 ONSET 1,014 669 66.0%

02559 POCASSET 1,732 1,195 69.0%

02561 SAGAMORE 204 102 50.0%

02562 SAGAMORE BEACH 1,012 548 54.2%

02563 SANDWICH 3,764 2,095 55.7%

02564 SIASCONSET 323 264 81.7%

02565 SILVER BEACH 1 1 100.0%

02568 VINEYARD HAVEN 1,741 1,259 72.3%

02571 WAREHAM 4,308 2,616 60.7%

02573 WEST CHOP 5 5 100.0%

02574 WEST FALMOUTH 316 257 81.3%

02575 WEST TISBURY 790 641 81.1%

02576 WEST WAREHAM 926 310 33.5%

02584 NANTUCKET 30 24 80.0%

02601 HYANNIS 4,264 2,306 54.1%

02630 BARNSTABLE 927 602 64.9%

02631 BREWSTER 5,396 3,450 63.9%

02632 CENTERVILLE 4,344 2,740 63.1%

02633 CHATHAM 3,192 2,622 82.1%

02634 CENTERVILLE 1 0 0.0%

02635 COTUIT 1,719 1,193 69.4%

02636 CENTERVILLE 5 5 100.0%

02637 CUMMAQUID 210 166 79.0%

02638 DENNIS 2,293 1,644 71.7%

02639 DENNISPORT 3,466 2,477 71.5%

02641 EAST DENNIS 846 699 82.6%

02642 EASTHAM 3,601 2,676 74.3%

02643 EAST ORLEANS 313 276 88.2%

02644 FORESTDALE 1,150 632 55.0%

02645 HARWICH 4,550 3,396 74.6%

02646 HARWICHPORT 1,511 1,202 79.5%

02647 HYANNISPORT 244 198 81.1%

02648 MARSTONS MILLS 2,599 1,497 57.6%

02649 MASHPEE 7,438 4,042 54.3%

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2020 Policies in Force Mandatory Wind/ Percentage of Policies with

Policies Hurricane Mandatory Wind/ Zip in Force* Deductible Hurricane

Code City/Town/Post Office as of 12/31/20 as of 12/31/20 Deductible

02650 NORTH CHATHAM 586 440 75.1%

02651 NORTH EASTHAM 450 392 87.1%

02652 NORTH TRURO 795 487 61.3%

02653 ORLEANS 2,921 1,696 58.1%

02655 OSTERVILLE 1,967 1,301 66.1%

02657 PROVINCETOWN 2,518 895 35.5%

02659 SOUTH CHATHAM 863 724 83.9%

02660 SOUTH DENNIS 2,880 1,862 64.7%

02661 SOUTH HARWICH 178 156 87.6%

02662 SOUTH ORLEANS 155 127 81.9%

02663 SOUTH WELLFLEET 295 253 85.8%

02664 SOUTH YARMOUTH 4,415 3,104 70.3%

02666 TRURO 1,279 1,035 80.9%

02667 WELLFLEET 2,624 2,137 81.4%

02668 WEST BARNSTABLE 1,093 648 59.3%

02669 WEST CHATHAM 244 214 87.7%

02670 WEST DENNIS 1,564 1,349 86.3%

02671 WEST HARWICH 979 737 75.3%

02672 WEST HYANNISPORT 287 229 79.8%

02673 WEST YARMOUTH 4,389 2,971 67.7%

02675 YARMOUTHPORT 2,928 1,621 55.4%

02713 CUTTYHUNK 83 69 83.1%

02714 DARTMOUTH 17 11 64.7%

02719 FAIRHAVEN 4,960 2,671 53.9%

02720 FALL RIVER 6,209 2,048 33.0%

02721 FALL RIVER 4,108 1,591 38.7%

02722 FALL RIVER 42 13 31.0%

02723 FALL RIVER 2,313 900 38.9%

02724 FALL RIVER 2,762 983 35.6%

02725 SOMERSET 701 244 34.8%

02726 SOMERSET 4,866 1,002 20.6%

02738 MARION 1,929 1,272 65.9%

02739 MATTAPOISETT 2,601 1,784 68.6%

02740 NEW BEDFORD 7,419 4,101 55.3%

02741 NEW BEDFORD 10 4 40.0%

02742 NEW BEDFORD 4 0 0.0%

02743 ACUSHNET 2,862 510 17.8%

02744 NEW BEDFORD 1,722 1,151 66.8%

02745 NEW BEDFORD 5,709 1,141 20.0%

02746 NEW BEDFORD 1,571 546 34.8%

02747 NORTH DARTMOUTH 5,100 1,445 28.3%

02748 SOUTH DARTMOUTH 3,873 2,092 54.0%

02777 SWANSEA 4,993 1,427 28.6%

02790 WESTPORT 5,365 1,151 21.5%

02791 WESTPORT POINT 129 70 54.3%

All Zip Codes Above Combined 507,444 181,592 35.8%

Urban 315,680 72,045 22.8% Coastal 191,764 109,547 57.1%

*The number of policies in force as of December 31 of the 2020 calendar year that were not originally issued in the 2020 calendar year.

Exhibit 4A

Territory 2018 2019 2020

2 BOSTON DISTRICT-A 28,018,762 29,121,371 29,405,188

3 BOSTON DISTRICT-B 10,082,233 10,767,264 10,635,797

4 BOSTON DISTRICT-C 10,410,394 10,833,681 11,068,688

5 SUFFOLK (EXCEPT BOSTON) 32,178,563 33,471,456 35,816,484

11 SUFFOLK (EXCEPT DISTRICTS A-B-C) 90,308,563 94,200,802 94,827,614

12 BROOKLINE 23,563,132 24,435,317 25,462,161

30 QUINCY 23,990,122 24,824,331 25,365,384

31 NORFOLK (EXCEPT BROOKLINE & QUINCY) 223,640,262 233,900,783 238,647,929

32 FALL RIVER 19,482,582 20,602,572 21,342,083

33 NEW BEDFORD 22,197,442 23,333,638 24,288,255

34 BRISTOL (EXCEPT FALL RIVER & NEW BEDFORD) 150,566,187 158,279,394 162,279,971

35 BROCKTON 27,038,979 27,777,377 29,141,297

36 PLYMOUTH (EXCEPT BROCKTON) 211,681,346 222,302,628 224,390,378

37 BARNSTABLE, DUKES, & NANTUCKET 333,134,289 343,852,335 344,705,199

38 LAWRENCE 13,346,016 13,933,944 14,202,812

39 LYNN 25,773,959 26,637,250 26,982,265

40 ESSEX (EXCEPT LAWRENCE AND LYNN) 239,302,248 251,030,459 257,644,391

41 CAMBRIDGE & SOMERVILLE 39,534,793 40,868,605 41,216,796

42 LOWELL 20,322,251 20,581,767 20,819,427

43 NEWTON 40,397,268 41,655,618 44,019,868

44 MIDDLESEX (EXCEPT CAM,NEW,LOW,SOM) 415,489,702 432,377,860 441,942,698

45 CITY OF WORCESTER 39,801,446 41,385,879 43,956,262

46 WORCESTER (EXCEPT CITY OF WORCESTER) 212,470,789 223,842,149 230,964,977

47 SPRINGFIELD 32,509,158 33,777,804 34,726,799

48 CHICOPEE & HOLYOKE 19,410,352 20,159,069 20,782,176

49 HAMPDEN (EXCEPT CH,SP,HOL) & HAMPSHIRE 108,069,463 113,631,242 117,793,307

50 BERKSHIRE & FRANKLIN 79,206,626 82,353,548 85,136,698

Total 2,491,926,927 2,599,938,143 2,657,564,904

Note: Totals differ from annual statement state page totals due to statistical reporting issues.

Massachusetts Homeowners Insurance CY 2018-20 Written Premium by Territory

Exhibit 4B

Zip Code City/Town 2018 2019 2020

01001 AGAWAM 4,327,142 4,504,863 4,616,283

01002 AMHERST 5,505,204 5,754,667 5,932,108

01003 AMHERST 9,876 15,019 11,043

01004 AMHERST 5,266 5,464 5,121

01005 BARRE 1,625,159 1,706,078 1,761,429

01007 BELCHERTOWN 4,568,047 4,837,934 5,054,147

01008 BLANDFORD 582,873 609,853 620,508

01009 BONDSVILLE 215,451 225,833 231,799

01010 BRIMFIELD 1,476,098 1,591,715 1,619,047

01011 CHESTER 467,546 478,402 503,539

01012 CHESTERFIELD 439,362 462,373 486,114

01013 CHICOPEE 4,591,633 4,785,512 4,974,229

01014 CHICOPEE 1,951 2,022 2,086

01020 CHICOPEE 7,586,748 7,835,114 8,054,160

01021 CHICOPEE 12,141 11,308 6,414

01022 CHICOPEE 338,496 355,928 364,125

01026 CUMMINGTON 393,723 426,688 446,180

01027 EASTHAMPTON 4,928,919 5,104,748 5,305,138

01028 EAST LONGMEADOW 5,534,019 5,802,765 6,041,888

01029 EAST OTIS 456,746 479,452 496,832

01030 FEEDING HILLS 3,395,901 3,538,883 3,627,115

01031 GILLBERTVILLE 287,584 306,556 319,195

01032 GOSHEN 457,879 490,129 513,884

01033 GRANBY 2,003,690 2,127,422 2,185,649

01034 GRANVILLE (Tolland) 1,240,608 1,312,423 1,336,226

01035 HADLEY 1,645,362 1,730,975 1,798,524

01036 HAMPDEN 2,053,733 2,170,506 2,259,460

01037 HARDWICK 431,235 443,931 456,561

01038 HATFIELD 940,369 980,530 1,023,340

01039 HAYDENVILLE 480,662 501,373 526,144

01040 HOLYOKE 7,200,383 7,499,656 7,778,142

01041 HOLYOKE 4,493 3,447 3,808

01050 HUNTINGTON 796,141 861,101 875,614

01053 LEEDS 527,086 548,210 572,666

01054 LEVERETT 955,401 1,012,935 1,058,074

01056 LUDLOW 5,477,367 5,812,312 6,021,746

01057 MONSON 2,766,056 2,933,897 3,047,064

01059 AMHERST (North Amherst) 2,379 1,383 1,188

01060 NORTHAMPTON 3,675,261 3,800,917 3,846,432

01061 NORTHAMPTON 2,037 1,306 1,944

01062 FLORENCE 3,324,685 3,452,495 3,575,975

01063 NORTHAMPTON 3,937 7,629 5,082

01066 NORTH HATFIELD 88,275 85,924 87,064

01068 OAKHAM 845,513 875,564 913,540

01069 PALMER 2,365,003 2,502,132 2,600,173

01070 PLAINFIELD 299,468 301,624 325,176

01071 RUSSELL 518,342 549,343 556,572

01072 SHUTESBURY 758,917 784,246 799,678

Massachusetts Homeowners Insurance Experience Total Market Written Premium by Calendar Year by Zip Code

Zip Code City/Town 2018 2019 2020

Massachusetts Homeowners Insurance Experience Total Market Written Premium by Calendar Year by Zip Code

01073 SOUTHAMPTON 2,190,649 2,284,900 2,367,425

01074 SOUTH BARRE 65,043 68,977 74,391

01075 SOUTH HADLEY 4,776,036 4,999,641 5,176,991

01077 SOUTHWICK 3,031,240 3,176,132 3,306,410

01079 THORNDIKE 163,206 171,889 166,460

01080 THREE RIVERS 517,184 540,266 573,576

01081 WALES 662,339 702,516 731,172

01082 WARE 2,664,303 2,822,354 2,997,336

01083 WARREN 3,268,189 3,679,448 4,214,904

01084 WEST CHESTERFIELD 70,735 74,355 78,090

01085 WESTFIELD 10,123,287 10,575,148 10,736,636

01086 WESTFIELD 16,592 15,370 14,482

01088 WEST HATFIELD 165,735 172,773 172,929

01089 WEST SPRINGFIELD 6,774,055 7,019,138 7,275,535

01090 WEST SPRINGFIELD 5,506 5,712 3,973

01092 WEST WARREN 284,186 328,420 349,622

01093 WHATELY 470,356 499,476 531,167

01094 WHEELWRIGHT 85,604 90,910 89,344

01095 WILBRAHAM 5,394,650 5,696,191 5,951,522

01096 WILLIAMSBURG 670,405 694,337 726,794

01097 WORONOCO 17,105 19,155 20,169

01098 WORTHINGTON 619,180 636,318 645,097

01101 SPRINGFIELD 39,585 40,636 34,881

01102 SPRINGFIELD 3,077 3,265 1,973

01103 SPRINGFIELD 175,040 166,241 146,785

01104 SPRINGFIELD 5,381,507 5,703,531 5,955,174

01105 SPRINGFIELD 804,414 825,455 911,829

01106 LONGMEADOW 7,162,405 7,468,964 7,613,405

01107 SPRINGFIELD 1,576,656 1,623,930 1,732,332

01108 SPRINGFIELD 5,974,437 6,321,361 6,621,414

01109 SPRINGFIELD 6,023,778 6,420,518 6,781,106

01111 SPRINGFIELD 876 679 0

01114 SPRINGFIELD 0 0 0

01115 SPRINGFIELD 4,103 4,538 4,870

01116 LONGMEADOW 3,028 4,001 4,088

01118 SPRINGFIELD 5,126,880 5,376,050 5,493,575

01119 SPRINGFIELD 3,536,250 3,702,875 3,816,788

01128 SPRINGFIELD 1,123,401 1,155,616 1,178,176

01129 SPRINGFIELD 2,436,251 2,506,564 2,569,802

01133 SPRINGFIELD 0 0 0

01138 SPRINGFIELD 1,049 0 997

01139 SPRINGFIELD 1,624 482 0

01144 SPRINGFIELD 217 0 0

01151 INDIAN ORCHARD 1,647,837 1,715,463 1,836,369

01152 SPRINGFIELD 0 0 0

01199 SPRINGFIELD 183 0 0

01201 PITTSFIELD 11,758,783 12,276,588 12,535,230

01202 PITTSFIELD 17,243 10,657 9,340

Zip Code City/Town 2018 2019 2020

Massachusetts Homeowners Insurance Experience Total Market Written Premium by Calendar Year by Zip Code

01203 PITTSFIELD 0 0 0

01220 ADAMS 2,033,790 2,113,192 2,190,166

01222 ASHLEY FALLS 326,124 318,286 343,156

01223 BECKET 1,999,638 2,071,816 2,165,596

01224 BERKSHIRE 76,690 84,890 85,179

01225 CHESHIRE, 995,152 1,050,591 1,074,018

01226 DALTON 2,070,160 2,191,657 2,254,870

01227 DALTON 4,288 3,375 3,835

01229 GLENDALE 68,330 57,510 57,145

01230 GREAT BARRINGTON 4,707,628 4,931,618 5,266,611

01235 HINSDALE 1,163,234 1,221,829 1,264,738

01236 HOUSATONIC 472,328 509,744 534,878

01237 LANESBORO 1,495,467 1,586,200 1,664,942

01238 LEE 2,026,765 2,122,617 2,147,496

01240 LENOX 2,685,716 2,842,242 2,879,064

01242 LENOXDALE 136,678 140,062 144,690

01243 MIDDLEFIELD 244,056 245,641 257,210

01244 MILL RIVER 237,030 212,758 233,160

01245 MONTEREY 1,316,332 1,356,347 1,448,749

01247 NORTH ADAMS 3,342,070 3,451,245 3,578,463

01252 NORTH EGREMONT 284,034 278,052 289,420

01253 OTIS 1,256,619 1,314,342 1,304,217

01254 RICHMOND 1,143,800 1,236,529 1,225,588

01255 SANDISFIELD 792,013 822,401 881,912

01256 SAVOY 272,619 294,971 301,913

01257 SHEFFIELD 1,605,049 1,630,008 1,707,579

01258 SOUTH EGREMONT 839,715 864,575 908,819

01259 SOUTHFIELD 493,120 510,066 556,594

01260 SOUTH LEE 65,917 73,108 73,669

01262 STOCKBRIDGE 1,942,461 2,078,615 2,124,804

01263 STOCKBRIDGE 41,841 41,455 36,871

01264 TYRINGHAM 441,380 454,125 471,986

01266 W STOCKBRIDGE 1,479,589 1,501,815 1,555,367

01267 WILLIAMSTOWN 2,830,424 2,905,560 2,979,554

01270 WINDSOR 416,728 437,162 459,507

01301 GREENFIELD 4,220,462 4,408,258 4,507,679

01302 GREENFIELD 6,522 7,169 7,916

01330 ASHFIELD 802,209 842,725 888,772

01331 ATHOL 3,976,036 4,202,488 4,438,671

01337 BERNARDSTON 889,217 939,420 971,153

01338 BUCKLAND 341,460 350,187 366,026

01339 CHARLEMONT 591,564 620,595 637,737

01340 COLRAIN 618,236 659,194 684,372

01341 CONWAY 825,333 880,226 916,827

01342 DEERFIELD 387,464 414,432 422,588

01343 DRURY 37,648 37,670 41,188

01344 ERVING 480,319 501,018 518,688

01346 HEATH 321,052 346,208 366,967

Zip Code City/Town 2018 2019 2020

Massachusetts Homeowners Insurance Experience Total Market Written Premium by Calendar Year by Zip Code

01347 LAKE PLEASANT 47,046 44,235 50,257

01349 TURNER FALLS 235,820 243,032 254,238

01350 MONROE BRIDGE 44,900 47,532 55,002

01351 MONTAGUE 777,801 816,979 837,085

01354 NORTHFIELD 428,482 448,257 454,716

01355 NEW SALEM 422,014 446,425 479,768

01360 NORTHFIELD 1,056,520 1,122,109 1,155,458

01364 ORANGE 1,885,424 1,977,664 2,043,360

01366 PETERSHAM 656,878 688,261 729,830

01367 ROWE 214,087 222,284 236,466

01368 ROYALSTON 565,264 608,642 650,352

01369 SHATUCKVILLE 0 0 0

01370 SHELBURNE FALLS 1,046,112 1,090,270 1,126,137

01373 SOUTH DEERFIELD 1,305,088 1,350,127 1,385,354

01375 SUNDERLAND 825,941 881,044 926,381

01376 TURNER FALLS 1,108,759 1,132,785 1,167,513

01378 WARWICK 302,571 324,824 328,772

01379 WENDELL 298,414 307,248 322,593

01380 WENDALL DEPOT 9,925 11,268 9,782

01420 FITCHBURG 8,915,260 9,296,669 9,654,060

01430 ASHBURNHAM 2,485,402 2,626,027 2,723,525

01431 ASHBY 1,328,766 1,411,152 1,453,223

01432 AYER 2,158,048 2,258,701 2,324,225

01434 DEVENS 97,850 106,460 119,744

01436 BALDWINVILLE 819,629 841,965 874,720

01438 EAST TEMPLETON 143,420 132,909 123,430

01440 GARDNER 4,716,946 4,959,059 5,159,705

01441 WESTMINSTER 4,274 4,173 3,414

01450 GROTON 4,685,124 4,887,223 4,985,923

01451 HARVARD 3,308,767 3,445,245 3,604,562

01452 HUBBARDSTON 1,638,821 1,732,906 1,801,344

01453 LEOMINSTER 10,690,412 11,246,780 11,530,785

01460 LITTLETON 3,784,653 3,939,207 4,092,260

01462 LUNENBURG 4,230,557 4,438,588 4,588,506

01463 PEPPERELL 3,973,401 4,172,502 4,307,832

01464 SHIRLEY 1,920,250 1,995,525 2,083,140

01467 STILL RIVER 47,147 54,150 53,097

01468 TEMPLETON 1,565,210 1,685,136 1,756,852

01469 TOWNSEND 2,404,952 2,531,467 2,591,878

01470 GROTON 889 991 1,030

01471 GROTON 0 0 0

01472 WEST GROTON 47,176 39,734 33,223

01473 WESTMINSTER 3,120,593 3,293,919 3,443,492

01474 WEST TOWNSEND 715,504 759,433 769,338

01475 WINCHENDON 2,969,840 3,131,249 3,298,710

01477 WINCHENDON SPRINGS 11,449 7,050 5,401

01501 AUBURN 5,761,966 6,039,439 6,298,827

01503 BERLIN 1,355,147 1,434,904 1,506,939

Zip Code City/Town 2018 2019 2020

Massachusetts Homeowners Insurance Experience Total Market Written Premium by Calendar Year by Zip Code

01504 BLACKSTONE 2,890,394 3,045,480 3,178,919

01505 BOYLSTON 2,101,311 2,196,655 2,245,937

01506 BROOKFIELD 1,081,540 1,134,126 1,156,594

01507 CHARLTON 4,759,924 5,112,384 5,379,872

01508 CHARLTON CITY 94,049 88,737 83,345

01509 CHARLTON DEPOT 9,690 9,606 11,086

01510 CLINTON 3,589,355 3,753,020 3,931,513

01515 EAST BROOKFIELD 849,489 885,530 929,677

01516 DOUGLAS 3,236,616 3,483,371 3,620,928

01517 EAST PRINCETON 1,094 1,034 1,060

01518 FISKDALE 1,116,588 1,188,122 1,227,337

01519 GRAFTON 2,733,973 2,877,845 2,995,835

01520 HOLDEN 5,972,728 6,263,670 6,457,280

01521 HOLLAND 1,230,706 1,313,791 1,342,175

01522 JEFFERSON 1,094,246 1,186,147 1,238,260

01523 LANCASTER 2,540,259 2,664,855 2,785,682

01524 LEICESTER 2,365,656 2,492,060 2,623,296

01525 LINWOOD 94,437 86,166 84,137

01526 MANCHAUG 75,871 68,489 58,915

01527 MILLBURY 4,683,100 4,948,882 5,118,948

01529 MILLVILLE 1,040,155 1,115,182 1,174,112

01531 NEW BRAINTREE 373,781 393,807 414,154

01532 NORTHBOROUGH 5,844,747 6,096,399 6,271,331

01534 NORTHBRIDGE 2,138,186 2,264,941 2,345,345

01535 NORTH BROOKFIELD 1,546,905 1,649,410 1,699,289

01536 NORTH GRAFTON 2,595,748 2,690,341 2,779,581

01537 NORTH OXFORD 640,039 667,327 708,258

01538 NORTH UXBRIDGE 83,083 75,914 73,099

01540 OXFORD 3,570,696 3,771,565 3,945,431

01541 PRINCETON 1,729,830 1,817,180 1,896,023

01542 ROCHDALE 658,484 703,902 745,334

01543 RUTLAND 2,959,844 3,186,093 3,393,996

01545 SHREWSBURY 13,058,877 13,599,041 13,994,604

01546 SHREWSBURY 2,090 2,565 2,133

01550 SOUTHBRIDGE 3,824,405 4,051,576 4,111,277

01560 SOUTH GRAFTON 1,240,507 1,303,766 1,355,267

01561 SOUTH LANCASTER 59,299 59,827 53,056

01562 SPENCER 3,739,162 3,973,326 4,173,446

01564 STERLING 3,297,173 3,446,991 3,534,592

01566 STURBRIDGE 2,594,595 2,688,496 2,769,565

01568 UPTON 3,300,306 3,484,287 3,652,936

01569 UXBRIDGE 4,747,972 5,018,261 5,192,140

01570 WEBSTER 4,791,617 4,984,523 5,214,431

01571 DUDLEY 3,533,098 3,712,071 3,901,069

01580 WESTBOROUGH 2,320 2,503 2,310

01581 WESTBOROUGH 6,579,135 6,883,226 7,130,121

01582 WESTBOROUGH 2,045 1,688 1,578

01583 WEST BOYLSTON 2,563,486 2,703,180 2,778,117

Zip Code City/Town 2018 2019 2020

Massachusetts Homeowners Insurance Experience Total Market Written Premium by Calendar Year by Zip Code

01585 WEST BROOKFIELD 1,428,471 1,497,834 1,553,184

01586 WEST MILLBURY 4,880 3,348 3,637

01588 WHITINSVILLE 2,705,072 2,814,379 2,891,479

01590 SUTTON 3,856,528 4,100,175 4,297,887

01601 WORCESTER 29,235 22,088 24,717

01602 WORCESTER 7,500,352 7,802,751 7,965,174

01603 WORCESTER 4,459,887 4,661,925 4,878,066

01604 WORCESTER 8,390,000 8,817,338 9,170,948

01605 WORCESTER 4,935,109 5,156,608 5,401,060

01606 WORCESTER 6,423,688 6,769,629 6,943,752

01607 WORCESTER 1,677,891 1,805,144 1,859,956

01608 WORCESTER 232,878 277,823 246,784

01609 WORCESTER 4,570,290 4,726,954 4,947,278

01610 WORCESTER 2,393,480 2,496,703 2,627,724

01611 CHERRY VALLEY 652,986 686,771 719,708

01612 PAXTON 1,905,170 2,016,892 2,059,831

01613 WORCESTER 13,677 14,770 14,007

01614 WORCESTER 5,028 5,329 7,237

01615 WORCESTER 2,781 2,882 2,958

01653 WORCESTER 2,346 2,385 115

01654 WORCESTER 782 826 874

01655 WORCESTER 282 475 190

01701 FRAMINGHAM 12,343,409 12,828,695 13,132,278

01702 FRAMINGHAM 5,896,192 6,137,805 6,218,533

01703 FRAMINGHAM 281 1,848 2,261

01704 FRAMINGHAM 232 182 247

01705 FRAMINGHAM 150 314 0

01718 VILLAGE OF NAGOG WOODS 126,859 137,240 125,118

01719 BOXBOROUGH 2,037,535 2,122,913 2,147,646

01720 ACTON 8,610,525 8,948,536 9,128,965

01721 ASHLAND 5,726,927 6,024,113 6,224,463

01730 BEDFORD 5,409,895 5,630,375 5,767,814

01731 HANSCOM AFB 103,903 104,133 95,576

01740 BOLTON 3,191,811 3,354,159 3,500,262

01741 CARLISLE 4,051,487 4,369,477 4,470,672

01742 CONCORD 11,443,796 11,822,812 12,158,714

01745 FAYVILLE 178,272 177,514 171,064

01746 HOLLISTON 6,229,373 6,519,830 6,817,673

01747 HOPEDALE 2,113,367…