Renters and Homeowners Insurance--Average Premiums by State: 2000 to 2004

Added By Infochimps

The Statistical Abstract files are distributed by the US Census Department as Microsoft Excel files. These files have data mixed with notes and references, multiple tables per sheet, and, worst of all, the table headers are not easily matched to their rows and columns.

A few files had extraneous characters in the title. These were corrected to be consistent. A few files have a sheet of crufty gibberish in the first slot. The sheet order was shuffled but no data were changed.

The tables that were changed (this is table 1197):

0166 0257 0362 0429 0445 0446 0459 0461 0462 0464 0465 0466 0467
0469 0479 0480 0481 0482 0483 0484 0485 0486 0487 0559 0628 0629
1144 1227 1231

This dataset consists of a table of 62 rows and 15 columns.

In dollars. Average premium equals premiums divided by exposure per house-years. A house-year is equal to 365 days of insured coverage for a single dwelling and is the standard measurement for homeowners insurance. FIPS=Federal Information Processing Standards


  1. Based on the HO-4 renters insurance policy for tenants.
    Includes broad named-peril coverage for the personal property of tenants.
  2. Based on the HO-3 homeowner package policy for owner-occupied dwellings,
    1-4 family units. Provides “all risks” coverage (except those specifically
    excluded in the policy) on buildings, broad named-peril coverage on personal
    property, and is the most common package written.
  3. The Texas Insurance Commissioner develops residential policy forms which are similar
    but not identical to the standard forms.


Public Domain (Government Work)

This dataset was prepared by the government and is therefore in the public domain. There are no restrictions upon its use.