Covered Egg
Covered Egg
Every state ranked by how much of each premium dollar comes back to policyholders as coverage — the NAIC loss & cost-containment ratio (claims paid, plus the cost of defending and containing those claims, ÷ earned premium) for homeowners insurance in 2024. A higher number means more of what homeowners customers paid in came back out as claims; a lower number means more of the premium stayed with insurers as margin and overhead. From 2024 NAIC property & casualty state totals.
Before you go
Insurers must file rate changes with state regulators, typically months before they take effect. Pick your line and carrier to see what’s already on the docket.