Note: State average premiums were calculated by dividing premiums by exposures expressed in 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. * Based on residential property policy forms regulated by the Texas Commissioner and are similar but not identical to standard forms. Sources: Reprinted from “2000 Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance,” NAIC, 2003 and Insurance Information Institute, Fact Book 2004.