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  "notes": "Includes definitions for insurance industry metrics and scope limitations for Colorado homeowners insurance data.",
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      "text": "These two metrics are key indicators of the availability/affordability situation in the state.",
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      "text": "Written units represents the number of homes for which insurance policies are sold each month. For Homeowners policy types, one written unit represents one personal property insured for one year. An industry-wide decrease indicates fewer households protected.",
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      "text": "Average premium is defined as Written Premiums / Written Units. It represents the average annual premium per written unit. Carriers increase rates when current premiums don't cover projected losses/expenses, e.g., due to increasing frequency/severity.",
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      "text": "Homeowners policy types only: Focused on pure homeowner policies. Year-to-date figures: Jan-Oct. Group-level figures: Rolled up at group level for entities >$5M premiums. Top 5 carrier groups: State Farm, Liberty Mutual, USAA, AmFam, Allstate.",
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      "text": "1: S&P Market Intelligence",
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