Home Insurance Report Statistical Supplement.pdf

Massachusetts Division of Insurance Statistical Supplement to the Annual

Home Insurance Report For Calendar Year 2019

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 2019 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 2019 REPORT ON

THE MASSACHUSETTS MARKET FOR HOME INSURANCE

Page Title

2019 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 2019 FAIR Plan Calendar Year Credit Eligible Zip Codes and Weights 12 Exhibit 2B 2019 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

2019 Premiums and Losses (M.G.L. c. 175, § 4A) Home Insurance Written Premium 19 Exhibit 4A 2017-19 Total Market Home Written Premium by Territory 20 Exhibit 4B 2017-19 Total Market Home Written Premium by Zip Code 35 Exhibit 4C 2017-19 FAIR Plan Home Premium Market Share by Territory

Home Insurance Premium & Loss Experience by Territory 36 Exhibit 5A 2019 Voluntary Market Home Premium & Loss Experience by Territory by Form 40 Exhibit 5B 2019 FAIR Plan Home Premium & Loss Experience by Territory by Form 44 Exhibit 5C 2019 Total Market Home Premium & Loss Experience by Territory by Form 48 Exhibit 5D 2019 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 2019 Cause of Loss by Territory by Form, All Home Forms

Causes of Home Losses 88 Exhibit 7A 2015-19 Percent of Loss Dollars by Cause of Loss by Territory 90 Exhibit 7B Snowfall, Boston, Massachusetts, 1978-2020 Winter Seasons Snowfall, Boston, Massachusetts, 2006-2019 Calendar Years

2019 Home Insurance Cancellation/Nonrenewal (M.G.L. c. 175, § 4B) 92 Exhibit 8A Individual Insurer and FAIR Plan 2019 Cancellation/Nonrenewal Reports 222 Exhibit 8B Top 25 Insurers and FAIR Plan 2019 Aggregate Cancellation/Nonrenewal Report 227 Exhibit 8C Summary of 2019 Cancellations 228 Exhibit 8D Summary of 2019 Nonrenewals 229 Exhibit 8E 2019 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 “A Massachusetts Guide to Insurance for Your Home and Ways to Reduce Your Insurance Premiums”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 84 commercial insurance companies that have indicated they have written ten or more home insurance policies in the second half of 2019 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

1 “A Massachusetts Guide to Insurance for Your Home and Ways to Reduce Your Insurance Premiums” and “A Massachusetts Guide to Understanding the Insurance Policy Covering Your Home” are available at https://www.mass.gov/orgs/division-of-insurance.

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 https://www.mass.gov/orgs/division-of-insurance.

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 https://www.mass.gov/orgs/division-of-insurance.

https://www.mass.gov/orgs/division-of-insurance.

the published manual rates of the ISO (Insurance Services Offices) rating organization for standard home risks.6

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.

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.

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.

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 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.”

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.

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.

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 2019 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

02047 (HUMAROCK) .80

02381 (WHITE HORSE BEACH) .70

02670 (WEST DENNIS) .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

01840 (LAWRENCE) .60

02673 (WEST YARMOUTH) .60

02119 (BOSTON) .60

02669 (WEST CHATHAM) .60

02663 (SOUTH WELLFLEET) .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

02662 (SOUTH ORLEANS) .50

02345 (MANOMET) .50

02672 (WEST HYANNISPORT) .50

02666 (TRURO) .40

01902 (LYNN) .40

02666 (TRURO) .50

Exhibit 2B

2019 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.

Ex hi bi t 3

A

M an da to ry D ed uc tib le

S um m ar y

M ax im um

W in ds to rm

C om pa ny

D ed uc tib le H ai l

H ur ric an e N am ed

S to rm Al ls ta te In su ra nc e

G rp

N /A

Am er ic an

F am ily In s G rp 5%

X Am er ic an In te rn at io na l G ro up

5%

X X

Am ic a M ut G rp 5%

X An do ve r G rp

5% X

Ar be lla In s G rp 3%

X Ba rn st ab le

G rp

2% X

X C hu bb

L td

G rp

5% X

X X

H er ita ge

In su ra nc e H ol di ng s

G ro up (f or m er ly

N

BI

C H ol di ng s

G rp

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/A Li be rty

M ut

G rp

5% X

M et ro po lit an

G rp

5% X

M ap fre In s G rp

N at io na l G en er al

G rp

5% X

N ew

L on do n

C ou nt y

G rp

3% X

N or fo lk

D ed ha m G rp 5%

X Pl ym ou th R oc k

In s

G rp

5% X

Pr ef er re d M ut In s C o N

/A Pu re C om pa ni es

G rp

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Q ui nc y

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5% X

Sa fe ty G rp (T he

5% X

Tr av el er s G ro up

Th e H an ov er In s G rp 5%

X U ni te d In s H ol di ng s

G rp

N /A

U ni te d

Se rv ic es

A ut om ob ile A sn G rp 2%

X Ve rm on t M ut

G rp

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FA

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P la n 5%

Mandatory Wind Deductible Report

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2019 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 12/31/19 as of 12/31/19 Deductible

01101 SPRINGFIELD 40 7 17.5%

01102 SPRINGFIELD 3 0 0.0%

01103 SPRINGFIELD 324 10 3.1%

01104 SPRINGFIELD 4,234 1,096 25.9%

01105 SPRINGFIELD 700 147 21.0%

01107 SPRINGFIELD 1,042 247 23.7%

01108 SPRINGFIELD 4,117 943 22.9%

01109 SPRINGFIELD 4,425 1,333 30.1%

01111 SPRINGFIELD 0 0 0.0%

01114 SPRINGFIELD 0 0 0.0%

01115 SPRINGFIELD 3 0 0.0%

01118 SPRINGFIELD 3,968 871 22.0%

01119 SPRINGFIELD 2,950 703 23.8%

01128 SPRINGFIELD 877 192 21.9%

01129 SPRINGFIELD 2,107 424 20.1%

01133 SPRINGFIELD 0 0 0.0%

01138 SPRINGFIELD 0 0 0.0%

01139 SPRINGFIELD 1 0 0.0%

01144 SPRINGFIELD 0 0 0.0%

01151 INDIAN ORCHARD 1,423 341 24.0%

01152 SPRINGFIELD 1 0 0.0%

01199 SPRINGFIELD 0 0 0.0%

01601 WORCESTER 24 3 12.5%

01602 WORCESTER 5,519 943 17.1%

01603 WORCESTER 3,283 735 22.4%

01604 WORCESTER 6,920 1,304 18.8%

01605 WORCESTER 3,936 714 18.1%

01606 WORCESTER 5,104 887 17.4%

01607 WORCESTER 1,399 286 20.4%

01608 WORCESTER 417 33 7.9%

01609 WORCESTER 3,102 455 14.7%

01610 WORCESTER 1,835 387 21.1%

01611 CHERRY VALLEY 505 80 15.8%

01612 PAXTON 1,298 158 12.2%

01613 WORCESTER 11 1 9.1%

01614 WORCESTER 2 1 50.0%

01615 WORCESTER 4 1 25.0%

01653 WORCESTER 1 0 0.0%

01654 WORCESTER 0 0 0.0%

01655 WORCESTER 0 0 0.0%

01840 LAWRENCE 330 58 17.6%

01841 LAWRENCE 4,997 1,437 28.8%

01842 LAWRENCE 32 10 31.3%

01843 LAWRENCE 3,702 817 22.1%

01850 LOWELL 2,435 500 20.5%

01851 LOWELL 4,433 983 22.2%

01852 LOWELL 6,307 1,178 18.7%

01853 LOWELL 29 1 3.4%

01854 LOWELL 3,829 721 18.8%

01901 LYNN 220 37 16.8%

01902 LYNN 6,244 3,088 49.5%

01903 LYNN 25 15 60.0%

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2019 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 12/31/19 as of 12/31/19 Deductible

01904 LYNN 4,715 1,591 33.7%

01905 LYNN 3,771 1,593 42.2%

01910 LYNN 0 0 0.0%

02020 BRANT ROCK 82 61 74.4%

02041 GREEN HARBOR 53 30 56.6%

02045 HULL 4,056 2,579 63.6%

02047 HUMAROCK 323 228 70.6%

02055 MINOT 3 2 66.7%

02065 OCEAN BLUFF 28 22 78.6%

02101 BOSTON 5 0 0.0%

02102 BOSTON 0 0 0.0%

02103 BOSTON 1 0 0.0%

02104 BOSTON 1 0 0.0%

02105 BOSTON 1 1 100.0%

02106 BOSTON 0 0 0.0%

02107 BOSTON 2 0 0.0%

02108 BOSTON 1,220 117 9.6%

02109 BOSTON 1,233 79 6.4%

02110 BOSTON 1,066 92 8.6%

02111 BOSTON 1,399 150 10.7%

02112 BOSTON 3 0 0.0%

02113 BOSTON 1,624 133 8.2%

02114 BOSTON 3,348 258 7.7%

02115 BOSTON 2,802 211 7.5%

02116 BOSTON 6,062 582 9.6%

02117 BOSTON 3 1 33.3%

02118 BOSTON 5,007 461 9.2%

02119 BOSTON 2,463 895 36.3%

02120 BOSTON 887 125 14.1%

02121 BOSTON 2,087 966 46.3%

02122 BOSTON 3,554 1,297 36.5%

02123 BOSTON 3 1 33.3%

02124 BOSTON 7,133 2,846 39.9%

02125 BOSTON 4,319 1,567 36.3%

02126 MATTAPAN 3,368 1,492 44.3%

02127 BOSTON 8,640 1,624 18.8%

02128 BOSTON 5,108 1,530 30.0%

02129 CHARLESTOWN 4,601 671 14.6%

02130 JAMAICA PLAIN 7,747 1,000 12.9%

02131 ROSLINDALE 6,271 1,236 19.7%

02132 WEST ROXBURY 7,649 1,172 15.3%

02133 BOSTON 4 0 0.0%

02134 ALLSTON 2,429 273 11.2%

02135 BRIGHTON 7,752 765 9.9%

02136 HYDE PARK 6,057 1,941 32.0%

02137 READVILLE 11 3 27.3%

02138 CAMBRIDGE 6,905 677 9.8%

02139 CAMBRIDGE 6,295 650 10.3%

02140 CAMBRIDGE 4,243 424 10.0%

02141 CAMBRIDGE 2,916 368 12.6%

02142 CAMBRIDGE 565 38 6.7%

02143 SOMERVILLE 5,279 667 12.6%

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2019 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 12/31/19 as of 12/31/19 Deductible

02144 SOMERVILLE 5,408 561 10.4%

02145 SOMERVILLE 4,737 716 15.1%

02150 CHELSEA 3,829 926 24.2%

02151 REVERE 9,514 4,060 42.7%

02152 WINTHROP 4,291 2,059 48.0%

02163 BOSTON 58 0 0.0%

02196 BOSTON 3 0 0.0%

02199 BOSTON 333 29 8.7%

02201 BOSTON 0 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 0 0 0.0%

02207 BOSTON 0 0 0.0%

02208 BOSTON 0 0 0.0%

02209 BOSTON 0 0 0.0%

02210 BOSTON 1,456 136 9.3%

02211 BOSTON 2 0 0.0%

02212 BOSTON 2 0 0.0%

02215 BOSTON 2,175 150 6.9%

02216 BOSTON 4 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 9,658 2,567 26.6%

02302 BROCKTON 6,597 1,773 26.9%

02303 BROCKTON 30 8 26.7%

02304 BROCKTON 1 0 0.0%

02305 BROCKTON 1 0 0.0%

02360 PLYMOUTH 18,258 9,489 52.0%

02361 PLYMOUTH 15 4 26.7%

02362 PLYMOUTH 14 6 42.9%

02381 WHITE HORSE BEACH 54 36 66.7%

02532 BUZZARDS BAY 4,120 2,778 67.4%

02534 CATAUMET 402 351 87.3%

02535 CHILMARK 830 763 91.9%

02536 EAST FALMOUTH 8,461 6,938 82.0%

02537 EAST SANDWICH 2,280 1,704 74.7%

02538 EAST WAREHAM 1,153 655 56.8%

02539 EDGARTOWN 2,251 2,022 89.8%

02540 FALMOUTH 4,052 3,229 79.7%

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2019 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 12/31/19 as of 12/31/19 Deductible

02541 FALMOUTH 70 59 84.3%

02542 BUZZARDS BAY 101 0 0.0%

02543 WOODS HOLE 476 401 84.2%

02552 MENEMSHA 4 3 75.0%

02553 MONUMENT BEACH 254 217 85.4%

02554 NANTUCKET 4,431 3,951 89.2%

02556 NORTH FALMOUTH 1,849 1,615 87.3%

02557 OAK BLUFFS 2,002 1,755 87.7%

02558 ONSET 961 687 71.5%

02559 POCASSET 1,667 1,421 85.2%

02561 SAGAMORE 215 152 70.7%

02562 SAGAMORE BEACH 979 752 76.8%

02563 SANDWICH 3,807 2,772 72.8%

02564 SIASCONSET 332 324 97.6%

02565 SILVER BEACH 2 1 50.0%

02568 VINEYARD HAVEN 1,741 1,425 81.8%

02571 WAREHAM 4,096 2,824 68.9%

02573 WEST CHOP 6 6 100.0%

02574 WEST FALMOUTH 338 294 87.0%

02575 WEST TISBURY 778 695 89.3%

02576 WEST WAREHAM 890 380 42.7%

02584 NANTUCKET 35 31 88.6%

02601 HYANNIS 3,937 2,658 67.5%

02630 BARNSTABLE 928 701 75.5%

02631 BREWSTER 5,429 3,893 71.7%

02632 CENTERVILLE 4,326 3,320 76.7%

02633 CHATHAM 3,089 2,777 89.9%

02634 CENTERVILLE 2 0 0.0%

02635 COTUIT 1,695 1,382 81.5%

02636 CENTERVILLE 5 5 100.0%

02637 CUMMAQUID 222 195 87.8%

02638 DENNIS 2,338 1,935 82.8%

02639 DENNISPORT 3,380 2,554 75.6%

02641 EAST DENNIS 892 806 90.4%

02642 EASTHAM 3,592 3,044 84.7%

02643 EAST ORLEANS 346 312 90.2%

02644 FORESTDALE 1,155 792 68.6%

02645 HARWICH 4,497 3,668 81.6%

02646 HARWICHPORT 1,508 1,275 84.5%

02647 HYANNISPORT 241 210 87.1%

02648 MARSTONS MILLS 2,596 1,807 69.6%

02649 MASHPEE 7,380 4,907 66.5%

Exhibit 3B

Top Twenty-Five Insurers & FAIR Plan Calendar Year---2019 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 12/31/19 as of 12/31/19 Deductible

02650 NORTH CHATHAM 591 476 80.5%

02651 NORTH EASTHAM 471 422 89.6%

02652 NORTH TRURO 773 555 71.8%

02653 ORLEANS 2,910 2,014 69.2%

02655 OSTERVILLE 1,949 1,556 79.8%

02657 PROVINCETOWN 2,526 1,055 41.8%

02659 SOUTH CHATHAM 845 745 88.2%

02660 SOUTH DENNIS 2,825 2,120 75.0%

02661 SOUTH HARWICH 188 164 87.2%

02662 SOUTH ORLEANS 172 146 84.9%

02663 SOUTH WELLFLEET 302 266 88.1%

02664 SOUTH YARMOUTH 4,425 3,570 80.7%

02666 TRURO 1,238 1,109 89.6%

02667 WELLFLEET 2,568 2,239 87.2%

02668 WEST BARNSTABLE 1,096 783 71.4%

02669 WEST CHATHAM 256 234 91.4%

02670 WEST DENNIS 1,546 1,402 90.7%

02671 WEST HARWICH 969 753 77.7%

02672 WEST HYANNISPORT 274 239 87.2%

02673 WEST YARMOUTH 4,351 3,296 75.8%

02675 YARMOUTHPORT 2,992 1,918 64.1%

02713 CUTTYHUNK 83 67 80.7%

02714 DARTMOUTH 16 13 81.3%

02719 FAIRHAVEN 3,985 2,829 71.0%

02720 FALL RIVER 6,033 2,343 38.8%

02721 FALL RIVER 3,988 1,859 46.6%

02722 FALL RIVER 42 12 28.6%

02723 FALL RIVER 2,189 1,009 46.1%

02724 FALL RIVER 2,636 1,241 47.1%

02725 SOMERSET 690 311 45.1%

02726 SOMERSET 4,809 1,308 27.2%

02738 MARION 1,848 1,302 70.5%

02739 MATTAPOISETT 2,513 1,864 74.2%

02740 NEW BEDFORD 6,953 4,298 61.8%

02741 NEW BEDFORD 9 4 44.4%

02742 NEW BEDFORD 2 0 0.0%

02743 ACUSHNET 2,673 598 22.4%

02744 NEW BEDFORD 1,450 1,149 79.2%

02745 NEW BEDFORD 5,376 1,226 22.8%

02746 NEW BEDFORD 1,433 578 40.3%

02747 NORTH DARTMOUTH 4,764 1,656 34.8%

02748 SOUTH DARTMOUTH 3,554 2,229 62.7%

02777 SWANSEA 4,973 2,006 40.3%

02790 WESTPORT 5,239 1,413 27.0%

02791 WESTPORT POINT 131 74 56.5%

All Zip Codes Above Combined 496,492 202,983 40.9%

Urban 308,920 75,348 24.4% Coastal 187,572 127,635 68.0%

*The number of policies in force as of December 31 of the 2019 calendar year that were not originally issued in the 2019 calendar year.

Exhibit 4A

Territory 2017 2018 2019

2 BOSTON DISTRICT-A 27,436,849 28,019,787 29,214,035

3 BOSTON DISTRICT-B 9,816,568 10,084,688 10,796,213

4 BOSTON DISTRICT-C 9,876,335 10,417,077 10,880,378

5 SUFFOLK (EXCEPT BOSTON) 30,970,007 32,187,680 33,647,306

11 SUFFOLK (EXCEPT DISTRICTS A-B-C) 86,079,086 90,333,072 94,393,010

12 BROOKLINE 22,232,418 23,566,029 24,600,681

30 QUINCY 23,363,978 23,994,824 24,870,876

31 NORFOLK (EXCEPT BROOKLINE & QUINCY) 215,064,598 223,680,378 234,266,940

32 FALL RIVER 18,765,683 19,485,458 20,656,142

33 NEW BEDFORD 21,541,912 22,201,380 23,361,657

34 BRISTOL (EXCEPT FALL RIVER & NEW BEDFORD) 145,212,573 150,585,777 158,316,425

35 BROCKTON 26,266,077 27,055,788 27,817,982

36 PLYMOUTH (EXCEPT BROCKTON) 203,783,104 211,725,929 222,320,873

37 BARNSTABLE, DUKES, & NANTUCKET 324,474,097 333,174,157 344,654,831

38 LAWRENCE 12,727,194 13,351,279 13,983,193

39 LYNN 24,812,710 25,777,976 26,775,578

40 ESSEX (EXCEPT LAWRENCE AND LYNN) 230,276,119 239,343,900 251,789,336

41 CAMBRIDGE & SOMERVILLE 38,404,372 39,547,026 40,935,995

42 LOWELL 19,775,411 20,324,959 20,760,216

43 NEWTON 38,923,794 40,406,422 41,779,549

44 MIDDLESEX (EXCEPT CAM,NEW,LOW,SOM) 400,344,652 415,563,173 433,580,366

45 CITY OF WORCESTER 38,274,497 39,810,881 41,593,525

46 WORCESTER (EXCEPT CITY OF WORCESTER) 203,630,023 212,509,281 224,448,495

47 SPRINGFIELD 31,344,559 32,519,366 33,981,946

48 CHICOPEE & HOLYOKE 18,608,980 19,412,979 20,210,053

49 HAMPDEN (EXCEPT CH,SP,HOL) & HAMPSHIRE 103,453,898 108,083,677 113,650,914

50 BERKSHIRE & FRANKLIN 76,464,581 79,209,291 82,383,819

Total 2,401,924,075 2,492,372,234 2,605,670,334

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

Massachusetts Homeowners Insurance CY 2017-19 Written Premium by Territory

Exhibit 4B

Zip Code City/Town 2017 2018 2019

01001 AGAWAM 4,189,068 4,327,309 4,502,977

01002 AMHERST 5,518,187 5,506,369 5,764,253

01003 AMHERST 10,705 9,876 15,019

01004 AMHERST 5,654 5,266 5,464

01005 BARRE 1,565,913 1,625,159 1,704,933

01007 BELCHERTOWN 4,398,633 4,568,400 4,842,145

01008 BLANDFORD 569,161 582,873 605,406

01009 BONDSVILLE 221,344 215,451 227,937

01010 BRIMFIELD 1,429,082 1,476,098 1,596,957

01011 CHESTER 456,346 467,940 478,183

01012 CHESTERFIELD 425,106 439,362 463,313

01013 CHICOPEE 4,410,026 4,591,994 4,799,674

01014 CHICOPEE 2,214 1,951 2,022

01020 CHICOPEE 7,284,425 7,587,571 7,856,734

01021 CHICOPEE 11,456 12,141 11,308

01022 CHICOPEE 337,956 338,496 356,747

01026 CUMMINGTON 380,483 393,723 425,082

01027 EASTHAMPTON 4,811,032 4,929,038 5,119,143

01028 EAST LONGMEADOW 5,317,972 5,537,229 5,808,677

01029 EAST OTIS 428,163 456,746 480,878

01030 FEEDING HILLS 3,313,220 3,396,123 3,529,788

01031 GILLBERTVILLE 285,098 287,584 306,603

01032 GOSHEN 446,483 457,879 487,209

01033 GRANBY 1,962,007 2,004,612 2,127,768

01034 GRANVILLE (Tolland) 1,170,409 1,240,608 1,318,535

01035 HADLEY 1,607,614 1,645,648 1,733,042

01036 HAMPDEN 1,986,770 2,054,025 2,171,384

01037 HARDWICK 420,448 431,235 437,470

01038 HATFIELD 927,116 940,718 984,667

01039 HAYDENVILLE 471,511 480,662 503,794

01040 HOLYOKE 6,918,111 7,201,826 7,517,503

01041 HOLYOKE 3,958 4,493 3,447

01050 HUNTINGTON 759,041 796,141 860,578

01053 LEEDS 503,307 527,086 549,646

01054 LEVERETT 924,542 955,401 1,009,583

01056 LUDLOW 5,308,573 5,479,657 5,788,249

01057 MONSON 2,665,519 2,766,095 2,931,258

01059 AMHERST (North Amherst) 3,350 2,379 1,383

01060 NORTHAMPTON 3,580,129 3,675,261 3,803,732

01061 NORTHAMPTON 6,612 2,037 1,306

01062 FLORENCE 3,226,269 3,324,685 3,462,107

01063 NORTHAMPTON 4,843 3,937 7,629

01066 NORTH HATFIELD 86,420 88,275 85,028

01068 OAKHAM 808,615 846,427 879,941

01069 PALMER 2,259,239 2,365,003 2,505,129

01070 PLAINFIELD 275,800 299,468 303,532

01071 RUSSELL 513,576 518,342 549,800

01072 SHUTESBURY 756,602 758,917 785,038

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

Zip Code City/Town 2017 2018 2019

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

01073 SOUTHAMPTON 2,142,116 2,190,649 2,281,082

01074 SOUTH BARRE 60,993 65,043 69,208

01075 SOUTH HADLEY 4,582,622 4,776,036 5,004,322

01077 SOUTHWICK 2,924,136 3,032,042 3,178,991

01079 THORNDIKE 158,565 163,206 172,089

01080 THREE RIVERS 492,311 517,184 539,362

01081 WALES 651,836 662,339 707,050

01082 WARE 2,601,698 2,665,512 2,828,041

01083 WARREN 2,974,310 3,268,189 3,687,704

01084 WEST CHESTERFIELD 65,969 70,735 76,110

01085 WESTFIELD 9,782,419 10,124,288 10,552,386

01086 WESTFIELD 18,258 16,592 15,370

01088 WEST HATFIELD 157,973 165,735 172,411

01089 WEST SPRINGFIELD 6,554,324 6,774,360 7,028,299

01090 WEST SPRINGFIELD 5,908 5,506 5,712

01092 WEST WARREN 285,116 284,186 330,717

01093 WHATELY 443,531 470,356 499,017

01094 WHEELWRIGHT 87,578 85,604 90,910

01095 WILBRAHAM 5,169,805 5,394,681 5,682,167

01096 WILLIAMSBURG 638,962 670,405 692,863

01097 WORONOCO 17,585 17,105 19,155

01098 WORTHINGTON 589,838 619,180 637,631

01101 SPRINGFIELD 44,947 39,585 40,636

01102 SPRINGFIELD 2,938 3,077 3,265

01103 SPRINGFIELD 154,193 175,040 167,083

01104 SPRINGFIELD 5,124,756 5,383,095 5,738,856

01105 SPRINGFIELD 746,478 804,414 828,249

01106 LONGMEADOW 6,928,786 7,163,719 7,486,059

01107 SPRINGFIELD 1,481,748 1,577,982 1,643,623

01108 SPRINGFIELD 5,779,723 5,979,234 6,353,644

01109 SPRINGFIELD 5,726,491 6,023,956 6,467,559

01111 SPRINGFIELD 801 876 679

01114 SPRINGFIELD 0 0 0

01115 SPRINGFIELD 5,512 4,103 4,538

01116 LONGMEADOW 1,950 3,028 4,001

01118 SPRINGFIELD 4,880,360 5,127,452 5,399,071

01119 SPRINGFIELD 3,429,850 3,536,250 3,719,767

01128 SPRINGFIELD 1,080,360 1,123,401 1,161,411

01129 SPRINGFIELD 2,317,184 2,437,916 2,517,184

01133 SPRINGFIELD 0 0 0

01138 SPRINGFIELD 330 1,049 0

01139 SPRINGFIELD 1,936 1,624 482

01144 SPRINGFIELD 184 217 0

01151 INDIAN ORCHARD 1,553,566 1,647,919 1,708,863

01152 SPRINGFIELD 0 0 0

01199 SPRINGFIELD 0 183 0

01201 PITTSFIELD 11,307,163 11,759,249 12,275,718

01202 PITTSFIELD 16,071 17,243 10,657

Zip Code City/Town 2017 2018 2019

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

01203 PITTSFIELD 0 0 0

01220 ADAMS 1,968,321 2,033,790 2,119,439

01222 ASHLEY FALLS 320,792 326,124 318,286

01223 BECKET 1,922,766 2,000,611 2,077,743

01224 BERKSHIRE 72,438 76,690 85,913

01225 CHESHIRE, 964,250 995,152 1,048,164

01226 DALTON 1,991,027 2,070,160 2,177,418

01227 DALTON 3,311 4,288 3,375

01229 GLENDALE 67,342 68,330 57,558

01230 GREAT BARRINGTON 4,532,449 4,707,628 4,952,572

01235 HINSDALE 1,124,499 1,163,234 1,223,579

01236 HOUSATONIC 477,436 472,328 510,394

01237 LANESBORO 1,430,323 1,495,467 1,578,370

01238 LEE 1,948,070 2,026,765 2,104,074

01240 LENOX 2,535,452 2,685,705 2,836,968

01242 LENOXDALE 127,924 136,678 144,218

01243 MIDDLEFIELD 232,627 244,056 242,291

01244 MILL RIVER 225,567 237,030 220,773

01245 MONTEREY 1,212,697 1,316,332 1,379,660

01247 NORTH ADAMS 3,275,780 3,342,070 3,454,906

01252 NORTH EGREMONT 299,240 284,034 276,810

01253 OTIS 1,206,380 1,256,619 1,314,496

01254 RICHMOND 1,102,002 1,143,800 1,237,020

01255 SANDISFIELD 764,416 792,013 818,151

01256 SAVOY 271,388 272,619 296,869

01257 SHEFFIELD 1,533,357 1,605,122 1,630,654

01258 SOUTH EGREMONT 813,423 839,715 857,521

01259 SOUTHFIELD 480,023 493,120 511,050

01260 SOUTH LEE 65,951 65,917 73,108

01262 STOCKBRIDGE 1,834,793 1,942,461 2,073,358

01263 STOCKBRIDGE 40,968 41,841 41,455

01264 TYRINGHAM 409,194 441,380 456,773

01266 W STOCKBRIDGE 1,393,320 1,479,589 1,506,052

01267 WILLIAMSTOWN 2,758,484 2,830,424 2,912,554

01270 WINDSOR 412,445 416,728 435,634

01301 GREENFIELD 4,089,040 4,220,839 4,400,702

01302 GREENFIELD 6,020 6,522 7,169

01330 ASHFIELD 755,839 802,209 843,782

01331 ATHOL 3,721,262 3,977,398 4,220,101

01337 BERNARDSTON 869,020 889,217 937,997

01338 BUCKLAND 331,415 341,460 351,397

01339 CHARLEMONT 572,619 591,564 623,421

01340 COLRAIN 599,487 618,236 660,831

01341 CONWAY 775,429 825,546 873,727

01342 DEERFIELD 394,332 387,464 410,985

01343 DRURY 37,272 37,648 36,685

01344 ERVING 456,561 480,319 499,218

01346 HEATH 300,648 321,052 345,729

Zip Code City/Town 2017 2018 2019

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

01347 LAKE PLEASANT 43,051 47,046 44,249

01349 TURNER FALLS 244,109 235,820 241,484

01350 MONROE BRIDGE 40,534 44,900 46,802

01351 MONTAGUE 774,533 777,962 809,761

01354 NORTHFIELD 427,761 428,482 447,943

01355 NEW SALEM 414,630 422,014 447,956

01360 NORTHFIELD 1,047,976 1,056,520 1,120,219

01364 ORANGE 1,789,623 1,885,424 1,987,651

01366 PETERSHAM 633,942 656,878 687,076

01367 ROWE 204,353 214,087 223,348

01368 ROYALSTON 543,822 565,264 605,394

01369 SHATUCKVILLE 0 0 0

01370 SHELBURNE FALLS 1,030,510 1,046,112 1,090,163

01373 SOUTH DEERFIELD 1,279,894 1,305,088 1,348,358

01375 SUNDERLAND 810,753 826,066 881,840

01376 TURNER FALLS 1,096,203 1,108,836 1,128,104

01378 WARWICK 283,354 302,571 318,980

01379 WENDELL 294,437 298,414 306,874

01380 WENDALL DEPOT 12,083 9,925 9,823

01420 FITCHBURG 8,549,644 8,916,651 9,354,068

01430 ASHBURNHAM 2,440,210 2,485,402 2,631,058

01431 ASHBY 1,317,496 1,328,795 1,410,240

01432 AYER 2,023,683 2,158,296 2,264,433

01434 DEVENS 84,302 97,850 106,334

01436 BALDWINVILLE 786,226 821,211 849,236

01438 EAST TEMPLETON 137,447 143,420 133,940

01440 GARDNER 4,542,125 4,716,946 4,972,927

01441 WESTMINSTER 5,339 4,274 4,173

01450 GROTON 4,500,244 4,688,769 4,905,713

01451 HARVARD 3,165,800 3,308,865 3,446,876

01452 HUBBARDSTON 1,576,156 1,639,459 1,736,243

01453 LEOMINSTER 10,344,067 10,691,205 11,282,279

01460 LITTLETON 3,603,607 3,785,270 3,951,758

01462 LUNENBURG 4,066,224 4,231,403 4,452,963

01463 PEPPERELL 3,826,403 3,974,701 4,178,085

01464 SHIRLEY 1,851,045 1,920,765 2,009,055

01467 STILL RIVER 61,716 47,147 54,150

01468 TEMPLETON 1,475,114 1,565,825 1,690,676

01469 TOWNSEND 2,327,503 2,406,309 2,535,948

01470 GROTON 1,145 889 991

01471 GROTON 1,588 0 0

01472 WEST GROTON 53,326 47,176 39,734

01473 WESTMINSTER 2,964,492 3,121,000 3,297,964

01474 WEST TOWNSEND 688,372 715,504 759,985

01475 WINCHENDON 2,823,979 2,970,395 3,142,885

01477 WINCHENDON SPRINGS 11,954 11,449 9,194

01501 AUBURN 5,496,456 5,762,608 6,053,388

01503 BERLIN 1,305,322 1,355,147 1,440,124

Zip Code City/Town 2017 2018 2019

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

01504 BLACKSTONE 2,756,262 2,891,657 3,047,841

01505 BOYLSTON 1,993,824 2,101,597 2,199,956

01506 BROOKFIELD 1,033,824 1,081,540 1,135,494

01507 CHARLTON 4,537,471 4,760,045 5,126,155

01508 CHARLTON CITY 94,657 94,049 88,737

01509 CHARLTON DEPOT 13,135 9,690 9,606

01510 CLINTON 3,439,251 3,590,726 3,772,476

01515 EAST BROOKFIELD 796,084 849,543 892,567

01516 DOUGLAS 3,141,365 3,238,106 3,498,289

01517 EAST PRINCETON 775 1,094 1,034

01518 FISKDALE 1,101,360 1,116,588 1,192,372

01519 GRAFTON 2,649,902 2,734,059 2,890,256

01520 HOLDEN 5,735,995 5,973,961 6,267,120

01521 HOLLAND 1,187,259 1,230,706 1,318,063

01522 JEFFERSON 1,037,285 1,093,144 1,190,697

01523 LANCASTER 2,414,456 2,539,344 2,674,095

01524 LEICESTER 2,246,642 2,366,432 2,502,061

01525 LINWOOD 92,639 94,437 86,166

01526 MANCHAUG 80,207 75,871 70,108

01527 MILLBURY 4,420,210 4,683,640 4,963,286

01529 MILLVILLE 1,003,950 1,040,155 1,116,356

01531 NEW BRAINTREE 368,382 373,781 394,161

01532 NORTHBOROUGH 5,617,364 5,844,850 6,105,148

01534 NORTHBRIDGE 2,025,677 2,138,811 2,272,314

01535 NORTH BROOKFIELD 1,490,140 1,547,906 1,652,673

01536 NORTH GRAFTON 2,475,060 2,595,748 2,697,820

01537 NORTH OXFORD 615,318 640,039 666,719

01538 NORTH UXBRIDGE 88,284 83,083 75,914

01540 OXFORD 3,408,035 3,570,696 3,781,173

01541 PRINCETON 1,700,720 1,729,830 1,819,719

01542 ROCHDALE 613,217 658,484 711,653

01543 RUTLAND 2,763,131 2,960,455 3,187,341

01545 SHREWSBURY 12,601,355 13,061,970 13,654,720

01546 SHREWSBURY 3,771 2,090 2,565

01550 SOUTHBRIDGE 3,711,155 3,824,405 4,070,875

01560 SOUTH GRAFTON 1,199,297 1,240,507 1,312,150

01561 SOUTH LANCASTER 67,709 59,299 59,827

01562 SPENCER 3,600,074 3,741,539 3,996,141

01564 STERLING 3,164,518 3,297,357 3,455,233

01566 STURBRIDGE 2,646,162 2,594,624 2,687,269

01568 UPTON 3,143,343 3,300,399 3,484,989

01569 UXBRIDGE 4,511,871 4,749,937 5,010,007

01570 WEBSTER 4,591,247 4,791,518 5,001,448

01571 DUDLEY 3,377,695 3,534,314 3,722,113

01580 WESTBOROUGH 2,411 2,320 2,503

01581 WESTBOROUGH 6,383,017 6,585,559 6,918,538

01582 WESTBOROUGH 2,032 2,045 1,688

01583 WEST BOYLSTON 2,461,741 2,563,486 2,706,707

Zip Code City/Town 2017 2018 2019

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

01585 WEST BROOKFIELD 1,366,572 1,428,471 1,491,264

01586 WEST MILLBURY 4,489 4,880 3,348

01588 WHITINSVILLE 2,571,591 2,705,072 2,815,149

01590 SUTTON 3,663,809 3,857,607 4,108,471

01601 WORCESTER 24,125 29,235 22,088

01602 WORCESTER 7,182,603 7,503,954 7,836,897

01603 WORCESTER 4,283,888 4,459,958 4,678,680

01604 WORCESTER 8,058,435 8,391,603 8,858,140

01605 WORCESTER 4,652,747 4,935,253 5,178,121

01606 WORCESTER 6,137,210 6,424,898 6,801,968

01607 WORCESTER 1,612,273 1,677,750 1,807,719

01608 WORCESTER 204,746 233,145 281,118

01609 WORCESTER 4,352,998 4,572,036 4,738,211

01610 WORCESTER 2,323,412 2,394,413 2,525,310

01611 CHERRY VALLEY 616,395 652,986 687,799

01612 PAXTON 1,841,868 1,905,170 2,023,271

01613 WORCESTER 14,832 13,677 16,757

01614 WORCESTER 4,954 5,028 5,329

01615 WORCESTER 1,161 2,781 2,882

01653 WORCESTER 2,088 2,346 2,385

01654 WORCESTER 757 782 826

01655 WORCESTER 276 282 475

01701 FRAMINGHAM 12,012,886 12,348,312 12,884,261

01702 FRAMINGHAM 5,643,469 5,896,679 6,174,635

01703 FRAMINGHAM 1,607 281 1,848

01704 FRAMINGHAM 2,787 232 182

01705 FRAMINGHAM 0 150 314

01718 VILLAGE OF NAGOG WOODS 122,102 126,859 137,583

01719 BOXBOROUGH 1,980,203 2,037,619 2,127,816

01720 ACTON 8,292,104 8,610,525 8,968,895

01721 ASHLAND 5,501,126 5,726,927 6,042,048

01730 BEDFORD 5,174,461 5,411,293 5,639,870

01731 HANSCOM AFB 92,391 103,903 104,487

01740 BOLTON 3,015,212 3,191,803 3,374,807

01741 CARLISLE 3,896,216 4,054,935 4,357,206

01742 CONCORD 11,014,301 11,443,931 11,870,853

01745…