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Third Quarter Insurance
Pricing Update

Habitational and transportation risks were hammered again by rate increases in the third quarter, leading average
rate growth at 6% and 7.5% respectively.
Habitational risks have been hit especially hard during 2019 as
CAT losses in the Southeast and Gulf Coast, combined with wind and hail losses across the Midwest over the last
18 months drove through primary retentions and impacted pricing in the reinsurance market, costs that
are now beginning to trickle down to insureds.

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