(1) Claims per 100 house years (policies). One house-year represents policy coverage on a dwelling for 12 months. For homeowners multiple peril policies (HO-2, HO-3, HO-5 and HE-7 for North Carolina). Excludes tenants and condominium owners policies. 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.