The National Associationof Insurance Commissioners' (NAIC) just released 2008Homeowners Insurance Report provides national andstate-specific data on market distribution and average cost bypolicy form and amount of insurance.

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NAIC says the report includes premium and exposure informationfor non-commercial dwelling fire insurance and for homeowners'insurance package policies, along with narrative on how specificeconomic, demographic and natural phenomena impact the price ofhomeowners' insurance.

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The Florida data, however, excludes policies written byCitizensProperty Insurance Corp., the state's largest property insurerwith some 1.2 million policies. This exclusion and the fact that"reported Florida market data do not distinguish between policiesincluding wind versus policies excluding wind" prompted the authorsto note that the Florida information "should be viewed with adegree of caution" when comparing it to other states.

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The NAIC report is available for purchase (publication code:HMR-ZU-10). A preview of the data is available from the NAIC press office.

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