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Old 03-31-2020, 03:59 PM
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ActuarialHero ActuarialHero is offline
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Default Industry Earned House Years Data Source

Some of the reports from the NAIC include house-year exposure data. For example, Table 1 on page 17 of this report:

Does anyone know where the underlying exposure data is from? I don't recall exposures appearing in the NAIC Annual Statement, but I don't have much experience in that area.

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Old 03-31-2020, 07:04 PM
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iwakura42 iwakura42 is offline
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Sounds like statistical agents:

•Data for all states, except Texas and California, were provided by the American Association of Insurance Services; ISO Data, Inc.; the National Independent Statistical Service; Independent Statistical Service, Inc. (ISS); and the Mutual Service Office (MSO).

•Texas data were obtained from the Texas Department of Insurance. Historically, the Texas department developed its own home insurance policy forms that are similar, but not identical, to homeowners policy forms countrywide. Although, starting in 2002, insurers were permitted to file their own independent forms, some companies continue to use the forms previously promulgated by the department.

•California data were provided by the California Department of Insurance. The state began collecting homeowners data in 1998, starting with the 1996 data year.

Last edited by iwakura42; 03-31-2020 at 07:04 PM.. Reason: formatting
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