Homeowners multiple peril, top writers by state--2005.
Homeowners Multiple Peril, Top Writers by State--2005
Rank is based on direct premiums written in 20005.
($ Thousands)
Direct % of
No. of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 23 201 $1,005,886 1.8 9.7
Alaska 47 79 115,811 0.2 7.3
Ariz. 18 236 1,094,271 1.9 7.4
Ark. 32 188 484,340 0.9 4.6
Calif. 1 261 6,337,112 11.2 7.8
Colo. 17 214 1,115,914 2.0 2.6
Conn. 25 200 857,369 1.5 8.6
Del. 45 165 139,068 0.2 6.2
D.C. 49 138 107,727 0.2 8.9
Fla. 2 289 4,958,432 8.8 12.0
Ga. 10 273 1,541,928 2.7 9.6
Hawaii 41 87 252,596 0.4 17.1
Idaho 43 170 183,427 0.3 8.2
Ill. 5 318 2,221,739 3.9 2.0
Ind. 14 257 1,195,345 2.1 2.2
Iowa 33 219 446,514 0.8 5.0
Kan. 29 225 637,854 1.1 4.0
Ky. 28 224 653,756 1.2 5.9
La. 22 185 1,008,535 1.8 9.0
Maine 40 156 255,015 0.5 6.5
Md. 16 226 1,117,057 2.0 9.4
Mass. 12 218 1,385,875 2.4 10.9
Mich. 7 202 2,163,126 3.8 1.1
Minn. 15 236 1,165,419 2.1 3.0
Miss. 30 171 580,495 1.0 6.4
Mo. 19 236 1,088,710 1.9 2.2
Mont. 44 145 164,958 0.3 5.0
Neb. 35 190 363,598 0.6 4.7
Nev. 34 183 432,509 0.8 12.4
N.H. 39 165 257,243 0.5 8.1
N.J. 9 215 1,591,377 2.8 7.8
N.M. 38 177 288,301 0.5 8.5
N.Y. 4 282 3,424,455 6.0 7.5
N.C. 11 225 1,427,295 2.5 7.0
N.D. 50 142 105,566 0.2 5.7
Ohio 8 296 1,803,475 3.2 4.0
Okla. 27 195 823,886 1.5 4.1
Ore. 31 200 517,777 0.9 3.3
Pa. 6 302 2,185,281 3.9 5.9
R.I. 42 160 222,434 0.4 10.7
S.C. 24 216 931,138 1.6 9.7
S.D. 48 162 113,412 0.2 -0.2
Tenn. 20 262 1,069,941 1.9 4.9
Texas 3 283 4,721,158 8.3 2.5
Utah 37 192 294,180 0.5 5.8
Vt. 46 158 138,480 0.2 7.5
Va. 13 249 1,346,099 2.4 6.2
Wash. 21 218 1,057,138 1.9 5.1
W.Va. 36 156 302,235 0.5 4.2
Wis. 26 269 828,993 1.5 4.3
Wyo. 51 130 99,982 0.2 3.7
U.S. Total 1075 $56,624,233 100.0 6.3
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 92.7 1.0 17.9 82.1
Alaska 32.8 3.0 13.3 86.7
Ariz. 36.3 1.1 22.1 77.9
Ark. 46.7 0.6 15.7 84.3
Calif. 34.2 2.5 25.4 74.6
Colo. 32.1 0.7 18.4 81.6
Conn. 44.0 5.1 53.8 46.2
Del. 36.3 0.9 30.5 69.5
D.C. 33.7 0.9 48.5 51.5
Fla. 138.5 2.0 46.3 53.7
Ga. 66.4 1.1 23.8 76.2
Hawaii 18.3 1.9 54.2 45.8
Idaho 41.1 1.3 30.3 69.7
Ill. 45.7 1.0 20.4 79.6
Ind. 51.4 0.9 33.3 66.7
Iowa 33.5 0.9 28.0 72.0
Kan. 35.4 0.6 22.8 77.2
Ky. 44.6 0.7 29.8 70.2
La. 834.0 7.7 17.3 82.7
Maine 40.4 1.0 56.4 43.6
Md. 36.1 0.7 37.5 62.5
Mass. 43.2 1.6 81.2 18.8
Mich. 46.0 1.0 44.0 56.0
Minn. 76.5 1.3 25.4 74.6
Miss. 676.1 7.1 12.1 87.9
Mo. 45.1 2.2 20.1 79.9
Mont. 31.6 1.3 34.7 65.3
Neb. 50.0 0.6 28.5 71.5
Nev. 41.3 1.7 19.6 80.4
N.H. 46.9 1.4 47.2 52.8
N.J. 54.1 2.9 54.4 45.6
N.M. 64.2 1.3 21.0 79.0
N.Y. 43.4 2.0 47.1 52.9
N.C. 39.2 0.5 26.8 73.2
N.D. 124.9 0.9 32.2 67.8
Ohio 42.2 0.8 43.3 56.7
Okla. 40.0 1.2 21.7 78.3
Ore. 36.3 1.1 22.6 77.4
Pa. 43.3 1.4 43.4 56.6
R.I. 48.5 1.5 45.4 54.6
S.C. 35.0 0.8 27.2 72.8
S.D. 37.9 1.0 37.4 62.6
Tenn. 46.3 0.8 23.8 76.2
Texas 57.0 1.3 24.3 75.7
Utah 38.1 0.8 20.2 79.8
Vt. 40.3 1.7 52.5 47.5
Va. 32.0 0.6 29.5 70.5
Wash. 37.1 1.4 34.8 65.2
W.Va. 37.5 1.2 33.5 66.5
Wis. 43.8 1.4 39.3 60.7
Wyo. 30.2 1.0 23.7 76.3
U.S. Total 73.4 1.7 33.5 66.5
% Market
State Leading Writer Share
Ala. State Farm Group 29.4
Alaska State Farm Group 35.2
Ariz. State Farm Group 19.8
Ark. State Farm Group 25.0
Calif. State Farm Group 22.1
Colo. State Farm Group 23.9
Conn. Allstate Ins Group 13.2
Del. State Farm Group 29.7
D.C. State Farm Group 24.6
Fla. State Farm Group 23.7
Ga. State Farm Group 32.0
Hawaii State Farm Group 25.4
Idaho State Farm Group 18.2
Ill. State Farm Group 32.0
Ind. State Farm Group 26.9
Iowa State Farm Group 24.7
Kan. State Farm Group 23.0
Ky. State Farm Group 21.3
La. State Farm Group 34.5
Maine State Farm Group 10.8
Md. State Farm Group 21.9
Mass. Commerce Group, Inc 9.8
Mich. State Farm Group 19.5
Minn. State Farm Group 23.8
Miss. State Farm Group 30.3
Mo. State Farm Group 25.0
Mont. State Farm Group 23.9
Neb. State Farm Group 26.1
Nev. Farmers Ins Group 21.5
N.H. Liberty Mutual Ins Cos 13.7
N.J. State Farm Group 13.5
N.M. State Farm Group 25.9
N.Y. Allstate Ins Group 20.2
N.C. State Farm Group 18.9
N.D. State Farm Group 18.5
Ohio State Farm Group 21.8
Okla. State Farm Group 26.5
Ore. State Farm Group 25.2
Pa. State Farm Group 18.9
R.I. Amica Mutual Group 11.5
S.C. State Farm Group 26.0
S.D. State Farm Group 21.1
Tenn. State Farm Group 26.1
Texas State Farm Group 29.0
Utah State Farm Group 20.8
Vt. VT Mutual Group 14.2
Va. State Farm Group 20.9
Wash. State Farm Group 18.1
W.Va. State Farm Group 25.6
Wis. Amer Family Ins Group 26.0
Wyo. State Farm Group 25.8
U.S. Total State Farm Group 22.2
% Market
State Second Leader Share
Ala. Alfa Ins Group 20.6
Alaska Allstate Ins Group 29.8
Ariz. Farmers Ins Group 16.8
Ark. Southern Farm Bureau Group 21.2
Calif. Farmers Ins Group 16.3
Colo. Farmers Ins Group 15.4
Conn. Chubb Group of Ins Cos 11.4
Del. Nationwide Group 14.6
D.C. St. Paul Travelers Group 22.2
Fla. Allstate Ins Group 10.0
Ga. Allstate Ins Group 14.0
Hawaii Zephyr Ins Co, Inc 21.0
Idaho Farmers Ins Group 15.9
Ill. Allstate Ins Group 16.2
Ind. United Farm Bureau IN 8.7
Iowa Nationwide Group 16.2
Kan. Amer Family Ins Group 17.9
Ky. KY Farm Bureau Group 20.9
La. Allstate Ins Group 21.8
Maine White Mountains Ins Group 9.9
Md. Allstate Ins Group 16.5
Mass. Andover Cos 8.9
Mich. Auto-Owners Ins Group 14.9
Minn. Amer Family Ins Group 15.1
Miss. Southern Farm Bureau Group 20.8
Mo. Amer Family Ins Group 20.5
Mont. Farmers Ins Group 15.3
Neb. Amer Family Ins Group 13.1
Nev. State Farm Group 19.3
N.H. State Farm Group 10.4
N.J. Allstate Ins Group 12.9
N.M. Farmers Ins Group 20.5
N.Y. State Farm Group 14.5
N.C. Nationwide Group 16.3
N.D. Amer Family Ins Group 17.1
Ohio Nationwide Group 10.9
Okla. Farmers Ins Group 19.7
Ore. Farmers Ins Group 19.1
Pa. Allstate Ins Group 15.4
R.I. Allstate Ins Group 11.2
S.C. Allstate Ins Group 15.5
S.D. Amer Family Ins Group 18.2
Tenn. TN Farmers Ins Cos 17.4
Texas Allstate Ins Group 17.2
Utah Allstate Ins Group 19.9
Vt. Co-Operative Ins Cos 10.4
Va. Allstate Ins Group 12.6
Wash. Farmers Ins Group 17.0
W.Va. Nationwide Group 19.3
Wis. State Farm Group 15.5
Wyo. Farmers Ins Group 16.9
U.S. Total Allstate Ins Group 12.5
(1) ALR: Adjusted loss ratio is direct losses incurred divided by
the difference between direct premiums earned and dividends paid
to policyholders.
(2) DDCCE: Direct defense and cost-containment expense ratio is
the former allocated loss adjustment expense (ALAE) ratio.
(3) Insurers that distribute primarily through independent agents.
(4) Insurers that distribute primarily through a direct-selling
system or an exclusive agency system.
Source: A.M. Best Statement Products: State/Line. For more
information about custom data, call (908) 439-2200, Ext. 5383.
COPYRIGHT 2006 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2006, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.
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