Exhibits

• Regulating the Texas Homeowners Insurance Market
• Homeowners Insurance in Texas: By the Numbers
• Understanding Rates vs. Premiums
• The Law Governing Homeowners Insurance Rates
• The Rate Regulation Process
• Brief History of Texas Homeowners Market, 1993-Present
• Homeowners Insurance in Texas Compared to Other States
• Exhibits

• Exhibit 1   -  Cumulative Rate Change
  
  
• Exhibit 2   -  Homeowners Rate Filings Since June 1, 2003
  
  
• Exhibit 3   -  Homeowners Insurance Loss Data in Texas
  
  
• Exhibit 4   -  Homeowners Combined Ratios Over Time
  
  
• Exhibit 5   -  Losses Per Policy by Type of Loss
  
  
• Exhibit 6   -  Homeowners Insurance Premium Data
  
  
• Exhibit 7   -  Texas counties Historic Average Premiums & Policy Sizes
  
  
• Exhibit 8   -  Comparison of Average Homeowners Premiums for Selected States
  
  
• Exhibit 9   -  Comparison of Changes in Average Homeowners Premiums for Selected States
  
  
• Exhibit 11  -  Auto Premiums by State
  
  
• Exhibit 12a -  Residential Property Rate Filings, by Company
  • 2013 Rate Filings by Company 
  • 2012 Rate Filings by Company
  • 2011 Rate Filings by Company
    
    
• Exhibit 12b -  Residential Property Rate Filings, by Received Date
  • 2013 Rate Filings by Received Date
  • 2012 Rate Filings by Received Date
  • 2011 Rate Filings by Received Date