Read HOMaster-Exhibits 1303.xlsx text version

New Hampshire Homeowners Insurance Premiums

All examples include the following unless otherwise noted: Coverages

Liability Limit: Deductible: Medical Payments:

$300,000 $500 Deductible $5,000

Territories Zip Code Location Berlin 03570 Concord 03301 Keene 03431 Lebanon 03766 Manchester 03102 Nashua 03063 Portsmouth 03801 North Rural 03846 South Rural 03070

Example 1: Homeowner (HO-3) policy for an owner-occupied, single family wood frame house, built in 1985. It is heated with oil or gas, has one working fireplace and a composite shingle roof. A fire hydrant is located within 1,000 feet and a responding fire station is within five miles. Replacement value of the home is $200,000. There are no outbuildings (a 2-car garage is attached). The full replacement value for contents is $140,000. Example 2: Homeowner (HO-3) policy for an owner-occupied, single family wood frame house, built in 1890. It is heated with oil or gas, has one working fireplace and a composite shingle roof. The wiring and plumbing have been updated to code 5 years ago. A fire hydrant is located within 1,000 feet and a responding fire station is within five miles. Replacement value of the home is $300,000. There is a detached 1-car garage. The full replacement value for contents is $150,000. Example 3: Tenant (HO-4) policy for an apartment located in a twenty-five unit wood frame building, built in 1995. The fire hydrant is located within 500 feet and a responding fire station is located within five miles. The full replacement value for contents is $50,000. Example 4: Condominium owners (HO-6) policy. The property is one of ten units in a wood frame building, built in 2000. It is heated by gas and has one working fireplace. A fire hydrant is located within 500 feet and a responding fire department is within five miles. The full replacement value for contents is $100,000.

Notes: - Premium is for a 12 Month Period. - If a company does not offer the specified deductible, liability or medical limit, the closest amount was used to compute premium. Differences should be reflected in the Company Notes. - Not all policies reflect exactly the same level of coverage. Differences from standard (ISO) policies should be reflected in the Company Notes. - Premiums do not reflect any credit for being a multi-policy account, and assume that all properties are equipped with smoke detectors, fire extinguishers & dead bolts. Premiums assume that the roofs are 10 years old. - All examples assume no credit deficiencies on the risks; i.e. a credit score will NOT keep the insured from the best priced tier or company.

S:\Department\P&C Shared\P&C Actuarial\Comparative Rater\2013 Version\Prep - Exhibits\HOMaster-Exhibits 1303.xlsx

2/27/2013

As of 3/1/2013

New Hampshire Homeowners Insurance - Company Notes

Company Name

STATE FARM FIRE AND CASUALTY COMPANY CONCORD GENERAL MUTUAL INSURANCE COMPANY AMICA MUTUAL INSURANCE COMPANY VERMONT MUTUAL INSURANCE COMPANY MMG INSURANCE COMPANY UNITED SERVICES AUTOMOBILE ASSOCIATION ALLSTATE INDEMNITY COMPANY ALLSTATE INSURANCE COMPANY MASSACHUSETTS BAY INSURANCE COMPANY FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY THE TRAVELERS HOME AND MARINE INSURANCE COMPANY LIBERTY INSURANCE CORPORATION ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY USAA CASUALTY INSURANCE COMPANY CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY NGM INSURANCE COMPANY THE STANDARD FIRE INSURANCE COMPANY COMMERCE INSURANCE COMPANY YORK INSURANCE COMPANY OF MAINE INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB MERRIMACK MUTUAL FIRE INSURANCE COMPANY PHENIX MUTUAL FIRE INSURANCE COMPANY SAFECO INSURANCE COMPANY OF AMERICA METROPOLITAN GROUP PROPERTY AND CASUALTY INSURANCE COMPANY CO-OPERATIVE INSURANCE COMPANIES MT. WASHINGTON ASSURANCE CORPORATION CITIZENS INSURANCE COMPANY OF AMERICA NEW ENGLAND GUARANTY INSURANCE CO, INC. VIGILANT INSURANCE COMPANY NATIONWIDE MUTUAL FIRE INSURANCE COMPANY NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY UNION MUTUAL FIRE INSURANCE COMPANY PATRIOT INSURANCE COMPANY MIDDLESEX MUTUAL ASSURANCE COMPANY

Effective Date

4/1/2012 3/1/2013 7/1/2012

Notes

Our Homeowners policy is a Form HO-W, which includes personal property coverage equivalent to 75% of Coverage A. The minimum deductible for new business is $1000 for NonTenant and HO-6. We used a neutral Customer Rating Index (CRI). A Utilities discount would apply in Example 2 had the heating been updated as well.

PERSONAL PROPERTY (COVERAGE C) REPLACEMENT COST COVERAGE was added on all examples. Coverage C increased to 70% of Coverage A. Part-time Workers Comp has been added to all policies for a $3.00 charge. Inflation Guard at 4% is a mandatory coverage on all owner occupied forms and has been added to examples 1 & 2.Other Assumptions: 2% discount for smoke alarm/local fire alarm. 8/15/2012 All HO6 policies are sold with HO 1732 (allrisk on Dwelling Coverage A) = $2 premium for $5000. $150 is the minimum policy premium. 1. Square Footage for HO-3 Policies (Examples #1 and #2) is 1,800. 2. Cov B (Other Structures) is automatically included in an HO-3 policy and is assumed to be at our standard 25% of Cov A. 3. USAA does not offer a 70% option for Cov C (Personal Property) as a percent of Cov A (Dwelling). This is the percentage inferred by Example #1. We will assume 5/23/2012 the option of 75% of Cov A has been selected for this policy. 4. Based on instructions regarding the use of credit for rating, we are assuming the best possible credit score for a new member with no tenure. 5. Example 3 (Renters) Assumptions: $100,000 Liability Limit, RP-3 form, and the insured is married. 9/5/2011 9/5/2011 Condo is not rented. They receive no Condo Buyers Discount. 1/7/2012 11/1/2010 Foremost does not have an HO4 or HO6 program. 5/1/2012 5/31/2012 Protection Class has been replaced with MetLife's GeoProtect program. 5/20/2012 Example 1: To increase Coverage C to 70% as stated in the example, homeowner would need to add Replacements Cost Contents endorsement. All LIC customers received 0.95 company factor. For each H3 example, Credit Score of 1795 was applied, age of customer is 35 and customer is employed with a Bachelor's 2/18/2013 degree. For each H4 and H6 example, most favorable tier is assumed. Customers are assumed to have prior insurance. Customers are loss free. 12/10/2012 They receive no Home Buyer Discount. 1. Square Footage for HO-3 Policies (Examples #1 and #2) is 1,800. 2. Cov B (Other Structures) is automatically included in an HO-3 policy and is assumed to be at our standard 25% of Cov A. 3. USAA does not offer a 70% option for Cov C (Personal Property) as a percent of Cov A (Dwelling). This is the percentage inferred by Example #1. We will assume 5/23/2012 the option of 75% of Cov A has been selected for this policy. 4. Based on instructions regarding the use of credit for rating, we are assuming the best possible credit score for a new member with no tenure. 5. Example 3 (Renters) Assumptions: $100,000 Liability Limit, RP-3 form, and the insured is married. 1/1/2011 3/28/2012 Examples 1-4 have been priced in our Super Preferred Tier: Examples 1 & 2: HO3- Super Preferred Tier 10/22/2011 Customer must be loss free in past 5 years. 1 Family Dwelling in PC 1-9. Home must be insured 100% to value. Example 1: Premiums reflect preferred tier. Example 2, 3, 4 reflect standard tier premiums. Example 1, 2, 3, 4 rated without RCC or RCD; Assume Local Burglar or Fire Alarm or 1/15/2013 Smoke Detectors. In rating each example, the following items were assumed: 1. Best possible credit score 2. Policyholder is college educated 3. Each unit contains smoke detectors, fire 6/8/2012 extinguishers, and deadbolts. 1) Example 1, Cov C is 50%. 2) Full replacement value for contents for all properties: All examples have the Personal Property Replacement Cost coverage (HO-290 for HO-3 and 9/1/2010 HO-299 for HO-4 & HO-6). 3) All insureds have membership with AAA. 4) Example 4: based on coverage A base amount of $1000. 4/1/2011 8/1/2012 All examples include the minimum $500 All Other Perils Deductible. Differences from ISO: Safeco policy forms are similar to ISO. We have used Safeco's specific forms Quality 1/12/2013 Plus Home; Renters and Condo in lieu of ISO's forms. Safeco's major coverage differences are outlined below: Personal Injury is included; Building Ordinance or Law is included; Unlimited Loss of Use up to 12 months is included; Up to $5,000 for Land Stabilization is included; Some internal limits also differ. 5/31/2012 Protection Class has been replaced with MetLife's GeoProtect program. 7/1/2012 All examples (except as otherwise noted): Assumes no losses in past 3 years, smoke detectors and fire extinguisher, and 2% inflation guard. Risk is eligible for Loss Free Credit, Elite Credit and Preferred Plus tier based on coverage and risk characteristics. Example 2: Risk is not eligible for Elite Credit due to Year Built. Examples 3 & 4: Not eligible for Preferred Plus Tier due to number of units in building. Risk is eligible for Preferred Tier. Risk is not eligible for Elite or Classic Credit due to Coverage A limit.

11/1/2012 1/7/2012 9/1/2011 7/18/2005 All insureds selected the standard contents type of coverage 8/10/2011 8/10/2011 9/1/2011 5/1/2012 6/18/2012 Example 2: Premium includes $210,000 for contents coverage (70% of Coverage A included for contents coverage).

as of 3/1/2013

New Hampshire Homeowners Insurance Premiums

[Reported by Company by Rating Example]

Rating Example Company Name 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 STATE FARM FIRE AND CASUALTY COMPANY CONCORD GENERAL MUTUAL INSURANCE COMPANY AMICA MUTUAL INSURANCE COMPANY VERMONT MUTUAL INSURANCE COMPANY MMG INSURANCE COMPANY UNITED SERVICES AUTOMOBILE ASSOCIATION ALLSTATE INDEMNITY COMPANY ALLSTATE INSURANCE COMPANY MASSACHUSETTS BAY INSURANCE COMPANY FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY THE TRAVELERS HOME AND MARINE INSURANCE COMPANY LIBERTY INSURANCE CORPORATION ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY USAA CASUALTY INSURANCE COMPANY CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY NGM INSURANCE COMPANY THE STANDARD FIRE INSURANCE COMPANY COMMERCE INSURANCE COMPANY YORK INSURANCE COMPANY OF MAINE INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB MERRIMACK MUTUAL FIRE INSURANCE COMPANY PHENIX MUTUAL FIRE INSURANCE COMPANY SAFECO INSURANCE COMPANY OF AMERICA METROPOLITAN GROUP PROPERTY AND CASUALTY INSURANCE COMPANY CO-OPERATIVE INSURANCE COMPANIES MT. WASHINGTON ASSURANCE CORPORATION CITIZENS INSURANCE COMPANY OF AMERICA NEW ENGLAND GUARANTY INSURANCE CO, INC. VIGILANT INSURANCE COMPANY NATIONWIDE MUTUAL FIRE INSURANCE COMPANY NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY UNION MUTUAL FIRE INSURANCE COMPANY PATRIOT INSURANCE COMPANY MIDDLESEX MUTUAL ASSURANCE COMPANY

Effective Date

4/1/2012 3/1/2013 7/1/2012 5/1/2012 8/15/2012 5/23/2012 9/5/2011 9/5/2011 1/7/2012 11/1/2010 5/31/2012 5/20/2012 2/18/2013 12/10/2012 5/23/2012 1/1/2011 3/28/2012 10/22/2011 1/15/2013 6/8/2012 9/1/2010 4/1/2011 8/1/2012 1/12/2013 5/31/2012 7/1/2012 11/1/2012 1/7/2012 9/1/2011 7/18/2005 8/10/2011 8/10/2011 9/1/2011 5/1/2012 6/18/2012

03063 Nashua

03070 South Rural

03102 Manchester

03301 Concord

03431 Keene

03570 Berlin

03766 Lebanon

03801 Portsmouth

03846 North Rural

$1,204 $443 $848 $619 $678 $1,090

$1,321 $528 $782 $622 $688 $1,096

$1,049 $674 $963 $710 $788 $1,101

$1,224 $695 $802 $715 $735 $1,069

$1,062 $695 $802 $723 $735 $1,048

$1,346 $695 $802 $730 $735 $1,073

$1,346 $695 $802 $723 $735 $1,048

$1,099 $689 $896 $734 $678 $1,088

$1,281 $695 $802 $730 $858 $1,073

$531 $2,094 $499 $659 $697 $981 $1,087 $859 $560 $1,019 $713 $464 $453 $867 $728 $386 $451 $1,136 $594 $467 $686 $723 $697 $580 $712 $487 $540

$589 $2,094 $579 $886 $693 $1,228 $1,096 $986 $594 $966 $666 $442 $449 $867 $690 $366 $667 $1,244 $657 $517 $744 $723 $801 $666 $771 $395 $560

$593 $2,094 $480 $707 $690 $1,036 $1,097 $951 $603 $1,097 $685 $590 $453 $936 $771 $393 $456 $1,136 $680 $522 $789 $723 $697 $580 $819 $529 $582

$602 $2,094 $472 $758 $682 $1,000 $1,066 $994 $570 $1,020 $755 $464 $457 $1,036 $742 $373 $498 $1,136 $677 $529 $934 $723 $741 $617 $989 $445 $651

$531 $2,094 $528 $781 $686 $975 $1,046 $994 $607 $1,010 $777 $482 $462 $1,036 $742 $356 $482 $1,136 $677 $467 $934 $723 $749 $624 $989 $404 $651

$652 $2,094 $576 $789 $661 $1,008 $1,071 $994 $607 $1,086 $817 $547 $449 $1,036 $742 $393 $531 $1,136 $677 $571 $934 $723 $795 $661 $989 $437 $566

$618 $2,094 $528 $767 $665 $957 $1,046 $994 $607 $1,012 $738 $527 $449 $1,036 $742 $370 $482 $1,136 $677 $542 $934 $723 $764 $635 $989 $437 $651

$625 $2,094 $527 $749 $748 $1,086 $1,088 $1,024 $607 $1,029 $765 $633 $462 $902 $788 $403 $650 $1,136 $687 $549 $824 $723 $764 $635 $851 $462 $657

$623 $2,094 $576 $762 $669 $1,008 $1,071 $994 $607 $1,086 $794 $566 $457 $1,036 $742 $378 $531 $1,136 $677 $547 $934 $723 $795 $661 $989 $427 $651

* The companies included on this exhibit are selected based on premium volume for the most recently reported complete calendar year and are displayed in alphabetical order by company name. * These are only ESTIMATES of the premium based on the risk descriptions provided on the accompanying page. Your premiums will vary based on your own characteristics. * This exhibit shows only premium examples. In any purchase of insurance, you should evaluate coverage levels & offerings, service, agency vs direct writers and online options, and many other considerations. * All premiums are based on the assumption that there are no deficiencies for the risk; i.e. the credit score if used should not keep the risk from being in the best priced tier or company.

as of 3/1/2013

New Hampshire Homeowners Insurance Premiums

Rating Example Company Name 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 STATE FARM FIRE AND CASUALTY COMPANY CONCORD GENERAL MUTUAL INSURANCE COMPANY AMICA MUTUAL INSURANCE COMPANY VERMONT MUTUAL INSURANCE COMPANY MMG INSURANCE COMPANY UNITED SERVICES AUTOMOBILE ASSOCIATION ALLSTATE INDEMNITY COMPANY ALLSTATE INSURANCE COMPANY MASSACHUSETTS BAY INSURANCE COMPANY FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY THE TRAVELERS HOME AND MARINE INSURANCE COMPANY LIBERTY INSURANCE CORPORATION ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY USAA CASUALTY INSURANCE COMPANY CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY NGM INSURANCE COMPANY THE STANDARD FIRE INSURANCE COMPANY COMMERCE INSURANCE COMPANY YORK INSURANCE COMPANY OF MAINE INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB MERRIMACK MUTUAL FIRE INSURANCE COMPANY PHENIX MUTUAL FIRE INSURANCE COMPANY SAFECO INSURANCE COMPANY OF AMERICA METROPOLITAN GROUP PROPERTY AND CASUALTY INSURANCE COMPANY CO-OPERATIVE INSURANCE COMPANIES MT. WASHINGTON ASSURANCE CORPORATION CITIZENS INSURANCE COMPANY OF AMERICA NEW ENGLAND GUARANTY INSURANCE CO, INC. VIGILANT INSURANCE COMPANY NATIONWIDE MUTUAL FIRE INSURANCE COMPANY NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY UNION MUTUAL FIRE INSURANCE COMPANY PATRIOT INSURANCE COMPANY MIDDLESEX MUTUAL ASSURANCE COMPANY Effective Date

4/1/2012 3/1/2013 7/1/2012 5/1/2012 8/15/2012 5/23/2012 9/5/2011 9/5/2011 1/7/2012 11/1/2010 5/31/2012 5/20/2012 2/18/2013 12/10/2012 5/23/2012 1/1/2011 3/28/2012 10/22/2011 1/15/2013 6/8/2012 9/1/2010 4/1/2011 8/1/2012 1/12/2013 5/31/2012 7/1/2012 11/1/2012 1/7/2012 9/1/2011 7/18/2005 8/10/2011 8/10/2011 9/1/2011 5/1/2012 6/18/2012

[Reported by Company by Rating Example]

03063

Nashua

03070

South Rural

03102

Manchester

03301

Concord

03431

Keene

03570

Berlin

03766

Lebanon

03801

Portsmouth

03846

North Rural

$1,690 $518 $1,020 $792 $1,017 $1,173

$1,854 $618 $939 $794 $1,034 $1,208

$1,475 $791 $1,163 $910 $1,199 $1,186

$1,707 $816 $963 $914 $1,110 $1,153

$1,481 $816 $963 $924 $1,110 $1,134

$1,878 $816 $963 $931 $1,110 $1,167

$1,878 $816 $963 $924 $1,110 $1,134

$1,543 $809 $1,080 $937 $1,017 $1,191

$1,788 $816 $963 $931 $1,315 $1,167

$571 $3,138 $673 $893 $620 $1,355 $1,171 $1,248 $712 $1,288 $1,105 $586 $599 $1,257 $955 $478 $692 $1,959 $699 $489 $745 $902 $947 $827 $775 $844 $689

$645 $3,138 $781 $1,228 $611 $1,826 $1,210 $1,499 $759 $1,221 $1,031 $585 $593 $1,259 $899 $453 $1,016 $2,157 $781 $552 $819 $902 $1,089 $952 $851 $664 $716

$649 $3,138 $645 $948 $610 $1,436 $1,185 $1,384 $771 $1,389 $1,063 $834 $599 $1,365 $1,021 $487 $699 $1,959 $810 $559 $874 $902 $947 $827 $911 $925 $743

$661 $3,138 $634 $1,047 $594 $1,383 $1,152 $1,453 $725 $1,289 $1,172 $635 $604 $1,515 $977 $462 $763 $1,959 $807 $568 $1,055 $902 $1,007 $879 $1,123 $760 $832

$571 $3,138 $712 $1,079 $598 $1,347 $1,133 $1,453 $776 $1,277 $1,206 $642 $612 $1,515 $977 $440 $737 $1,959 $807 $489 $1,055 $902 $1,019 $890 $1,123 $680 $832

$726 $3,138 $778 $1,039 $563 $1,395 $1,167 $1,453 $776 $1,376 $1,268 $795 $593 $1,515 $977 $487 $813 $1,959 $807 $622 $1,055 $902 $1,081 $944 $1,123 $745 $722

$682 $3,138 $712 $1,034 $569 $1,320 $1,133 $1,453 $776 $1,279 $1,145 $743 $593 $1,515 $977 $458 $737 $1,959 $807 $585 $1,055 $902 $1,039 $908 $1,123 $744 $832

$691 $3,138 $711 $998 $689 $1,508 $1,193 $1,497 $776 $1,301 $1,188 $821 $612 $1,313 $1,046 $498 $988 $1,959 $819 $593 $917 $902 $1,039 $908 $950 $795 $839

$689 $3,138 $778 $991 $573 $1,483 $1,167 $1,453 $776 $1,376 $1,233 $818 $604 $1,515 $977 $467 $813 $1,959 $807 $591 $1,055 $902 $1,081 $944 $1,123 $728 $832

* The companies included on this exhibit are selected based on premium volume for the most recently reported complete calendar year and are displayed in alphabetical order by company name. * These are only ESTIMATES of the premium based on the risk descriptions provided on the accompanying page. Your premiums will vary based on your own characteristics. * This exhibit shows only premium examples. In any purchase of insurance, you should evaluate coverage levels & offerings, service, agency vs direct writers and online options, and many other considerations. * All premiums are based on the assumption that there are no deficiencies for the risk; i.e. the credit score if used should not keep the risk from being in the best priced tier or company.

as of 3/1/2013

New Hampshire Homeowners Insurance Premiums

Rating Example Company Name 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 STATE FARM FIRE AND CASUALTY COMPANY CONCORD GENERAL MUTUAL INSURANCE COMPANY AMICA MUTUAL INSURANCE COMPANY VERMONT MUTUAL INSURANCE COMPANY MMG INSURANCE COMPANY UNITED SERVICES AUTOMOBILE ASSOCIATION ALLSTATE INDEMNITY COMPANY ALLSTATE INSURANCE COMPANY MASSACHUSETTS BAY INSURANCE COMPANY FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY THE TRAVELERS HOME AND MARINE INSURANCE COMPANY LIBERTY INSURANCE CORPORATION ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY USAA CASUALTY INSURANCE COMPANY CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY NGM INSURANCE COMPANY THE STANDARD FIRE INSURANCE COMPANY COMMERCE INSURANCE COMPANY YORK INSURANCE COMPANY OF MAINE INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB MERRIMACK MUTUAL FIRE INSURANCE COMPANY PHENIX MUTUAL FIRE INSURANCE COMPANY SAFECO INSURANCE COMPANY OF AMERICA METROPOLITAN GROUP PROPERTY AND CASUALTY INSURANCE COMPANY CO-OPERATIVE INSURANCE COMPANIES MT. WASHINGTON ASSURANCE CORPORATION CITIZENS INSURANCE COMPANY OF AMERICA NEW ENGLAND GUARANTY INSURANCE CO, INC. VIGILANT INSURANCE COMPANY NATIONWIDE MUTUAL FIRE INSURANCE COMPANY NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY UNION MUTUAL FIRE INSURANCE COMPANY PATRIOT INSURANCE COMPANY MIDDLESEX MUTUAL ASSURANCE COMPANY Effective Date

4/1/2012 3/1/2013 7/1/2012 5/1/2012 8/15/2012 5/23/2012 9/5/2011 9/5/2011 1/7/2012 11/1/2010 5/31/2012 5/20/2012 2/18/2013 12/10/2012 5/23/2012 1/1/2011 3/28/2012 10/22/2011 1/15/2013 6/8/2012 9/1/2010 4/1/2011 8/1/2012 1/12/2013 5/31/2012 7/1/2012 11/1/2012 1/7/2012 9/1/2011 7/18/2005 8/10/2011 8/10/2011 9/1/2011 5/1/2012 6/18/2012

[Reported by Company by Rating Example]

03063

Nashua

03070

South Rural

03102

Manchester

03301

Concord

03431

Keene

03570

Berlin

03766

Lebanon

03801

Portsmouth

03846

North Rural

$167 $133 $172 $118 $150 $136 $361 $167

$167 $166 $172 $134 $150 $136 $361 $167

$167 $199 $171 $166 $150 $136 $361 $167

$167 $161 $171 $117 $150 $126 $361 $167

$167 $161 $171 $118 $150 $118 $361 $167

$167 $161 $171 $119 $150 $122 $368 $167

$167 $161 $171 $118 $150 $126 $368 $167

$167 $175 $170 $122 $150 $158 $361 $167

$167 $161 $171 $119 $150 $122 $368 $167

$188 $150 $129 $143 $165 $245 $207 $169 $157 $187 $194 $105 $93 $150 $472 $167 $111 $334 $172 $160 $123 $128 $151

$249 $182 $129 $143 $180 $249 $207 $204 $168 $187 $213 $156 $96 $213 $512 $178 $119 $334 $172 $160 $131 $128 $154

$188 $143 $129 $143 $247 $262 $207 $224 $176 $187 $247 $194 $96 $144 $472 $200 $119 $334 $172 $160 $131 $128 $157

$199 $157 $129 $132 $165 $249 $207 $181 $165 $187 $194 $133 $101 $154 $472 $167 $143 $334 $172 $160 $155 $128 $151

$220 $162 $129 $124 $165 $249 $207 $181 $165 $187 $194 $133 $101 $179 $472 $167 $143 $334 $172 $160 $155 $128 $151

$239 $149 $129 $129 $165 $249 $207 $181 $161 $187 $194 $133 $101 $193 $472 $167 $143 $334 $172 $160 $155 $128 $151

$220 $155 $129 $132 $165 $249 $207 $181 $161 $187 $194 $133 $101 $179 $472 $167 $143 $334 $172 $160 $155 $128 $151

$220 $149 $129 $165 $165 $249 $207 $193 $170 $187 $194 $140 $97 $174 $472 $176 $111 $334 $175 $163 $123 $128 $152

$239 $149 $129 $129 $165 $249 $207 $181 $161 $187 $194 $133 $101 $193 $472 $167 $143 $334 $172 $160 $155 $128 $151

* The companies included on this exhibit are selected based on premium volume for the most recently reported complete calendar year and are displayed in alphabetical order by company name. * These are only ESTIMATES of the premium based on the risk descriptions provided on the accompanying page. Your premiums will vary based on your own characteristics. * This exhibit shows only premium examples. In any purchase of insurance, you should evaluate coverage levels & offerings, service, agency vs direct writers and online options, and many other considerations. * All premiums are based on the assumption that there are no deficiencies for the risk; i.e. the credit score if used should not keep the risk from being in the best priced tier or company.

as of 3/1/2013

New Hampshire Homeowners Insurance Premiums

Rating Example Company Name 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 STATE FARM FIRE AND CASUALTY COMPANY CONCORD GENERAL MUTUAL INSURANCE COMPANY AMICA MUTUAL INSURANCE COMPANY VERMONT MUTUAL INSURANCE COMPANY MMG INSURANCE COMPANY UNITED SERVICES AUTOMOBILE ASSOCIATION ALLSTATE INDEMNITY COMPANY ALLSTATE INSURANCE COMPANY MASSACHUSETTS BAY INSURANCE COMPANY FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY THE TRAVELERS HOME AND MARINE INSURANCE COMPANY LIBERTY INSURANCE CORPORATION ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY USAA CASUALTY INSURANCE COMPANY CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY NGM INSURANCE COMPANY THE STANDARD FIRE INSURANCE COMPANY COMMERCE INSURANCE COMPANY YORK INSURANCE COMPANY OF MAINE INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB MERRIMACK MUTUAL FIRE INSURANCE COMPANY PHENIX MUTUAL FIRE INSURANCE COMPANY SAFECO INSURANCE COMPANY OF AMERICA METROPOLITAN GROUP PROPERTY AND CASUALTY INSURANCE COMPANY CO-OPERATIVE INSURANCE COMPANIES MT. WASHINGTON ASSURANCE CORPORATION CITIZENS INSURANCE COMPANY OF AMERICA NEW ENGLAND GUARANTY INSURANCE CO, INC. VIGILANT INSURANCE COMPANY NATIONWIDE MUTUAL FIRE INSURANCE COMPANY NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY UNION MUTUAL FIRE INSURANCE COMPANY PATRIOT INSURANCE COMPANY MIDDLESEX MUTUAL ASSURANCE COMPANY Effective Date

4/1/2012 3/1/2013 7/1/2012 5/1/2012 8/15/2012 5/23/2012 9/5/2011 9/5/2011 1/7/2012 11/1/2010 5/31/2012 5/20/2012 2/18/2013 12/10/2012 5/23/2012 1/1/2011 3/28/2012 10/22/2011 1/15/2013 6/8/2012 9/1/2010 4/1/2011 8/1/2012 1/12/2013 5/31/2012 7/1/2012 11/1/2012 1/7/2012 9/1/2011 7/18/2005 8/10/2011 8/10/2011 9/1/2011 5/1/2012 6/18/2012

[Reported by Company by Rating Example]

03063

Nashua

03070

South Rural

03102

Manchester

03301

Concord

03431

Keene

03570

Berlin

03766

Lebanon

03801

Portsmouth

03846

North Rural

$355 $221 $434 $266 $210 $283 $396 $240

$355 $200 $447 $250 $194 $262 $396 $240

$355 $200 $447 $250 $216 $286 $396 $240

$354 $239 $455 $249 $191 $269 $396 $240

$354 $239 $455 $250 $194 $261 $396 $240

$354 $239 $455 $253 $194 $263 $406 $240

$354 $239 $455 $250 $191 $261 $406 $240

$355 $253 $421 $207 $210 $268 $396 $240

$354 $239 $455 $253 $191 $263 $406 $240

$225 $287 $272 $232 $238 $280 $310 $208 $194 $212 $238 $238 $254 $161 $641 $222 $165 $514 $296 $297 $185 $103 $182

$301 $303 $272 $216 $282 $277 $310 $224 $198 $212 $282 $244 $268 $229 $698 $233 $165 $514 $296 $297 $185 $103 $182

$225 $352 $272 $235 $337 $283 $310 $206 $198 $212 $337 $244 $270 $154 $641 $238 $181 $514 $296 $297 $200 $103 $177

$238 $276 $272 $220 $238 $274 $310 $218 $198 $212 $238 $236 $268 $165 $641 $233 $181 $514 $296 $297 $200 $103 $180

$265 $290 $272 $214 $238 $274 $310 $218 $198 $212 $238 $236 $268 $190 $641 $233 $181 $514 $296 $297 $200 $103 $180

$288 $343 $272 $215 $238 $274 $310 $218 $183 $212 $238 $236 $268 $205 $641 $233 $181 $514 $296 $297 $200 $103 $180

$265 $276 $272 $214 $238 $274 $310 $218 $211 $212 $238 $236 $268 $190 $641 $233 $181 $514 $296 $297 $200 $103 $180

$265 $261 $272 $222 $238 $274 $310 $218 $210 $212 $238 $211 $237 $185 $641 $238 $165 $514 $303 $302 $185 $106 $184

$288 $343 $272 $215 $238 $274 $310 $218 $198 $212 $238 $236 $268 $205 $641 $233 $181 $514 $296 $297 $200 $103 $180

* The companies included on this exhibit are selected based on premium volume for the most recently reported complete calendar year and are displayed in alphabetical order by company name. * These are only ESTIMATES of the premium based on the risk descriptions provided on the accompanying page. Your premiums will vary based on your own characteristics. * This exhibit shows only premium examples. In any purchase of insurance, you should evaluate coverage levels & offerings, service, agency vs direct writers and online options, and many other considerations. * All premiums are based on the assumption that there are no deficiencies for the risk; i.e. the credit score if used should not keep the risk from being in the best priced tier or company.

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