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HOMEOWNERS INSURANCE LOSSES BY CAUSE, 2002-2006 (1)

(Percent of losses incurred)

Cause of loss 2002 2003 2004 2005 2006


Property damage
Fire, lightning and debris
removal 32.76% 31.90% 20.88% 24.19% 34.68%
Wind and hail 20.60 25.08 49.45 44.88 28.26
Water damage and
freezing 21.46 22.00 16.18 16.70 20.29
Theft 4.52 3.26 2.20 2.52 3.66
All other property
damage (2) 12.25 10.77 6.31 6.69 7.76
Liability
Bodily injury and
property damage 7.70 6.31 4.44 4.39 4.36
Medical payments and
other 0.69 0.67 0.53 0.63 0.99
Credit card and other (3) 0.01 (4) 0.01 (4) (4)
(1) For homeowners multiple peril policies. Excludes tenants and condominium
owners policies.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit
money and losses not otherwise classified.
(4) Less than 0.01 percent.

Source: ISO.

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