(1) For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. Excludes Alaska, Texas and Puerto Rico. (2) Includes vandalism and malicious mischief. (3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified. This figure is significantly lower than previous five-year results due to a change in the companies surveyed to produce the data.