Spreadsheet: 0543e28b-e6a3-435d-80c0-c69d2a1d9e95
Sheet: AOI Deductible

Owners Forms
USAA Group
Pennsylvania
Current, Indicated, and Proposed AOI / Deductible Relativities
 | Other Perils AOI/Deductible Relativities
 | Current Relativities |  |  |  |  |  |  | Indicated Relativities |  |  |  |  |  |  | Proposed Relativities |  |  |  |  |  |  | Change
Amount of Insurance | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02
10000 | 0.7813 | 0.6758 | 0.534 | 0.408 | 0.1857 | 0.9133 | 0.8764 | 0.8444 | 0.7107 | 0.6148 | 0.5516 | 0.547 | 0.5633 | 0.4204 | 0.8295 | 0.7175 | 0.5669 | 0.4332 | 0.2172 | 0.9696 | 0.9305
15000 | 0.7828 | 0.6773 | 0.535 | 0.4091 | 0.2479 | 0.897 | 0.8419 | 0.8481 | 0.7138 | 0.6171 | 0.5537 | 0.5491 | 0.5643 | 0.421 | 0.8311 | 0.7191 | 0.568 | 0.4343 | 0.2632 | 0.9523 | 0.8938
20000 | 0.7849 | 0.6811 | 0.538 | 0.4133 | 0.3085 | 0.8809 | 0.8099 | 0.8517 | 0.717 | 0.6195 | 0.5559 | 0.5512 | 0.5653 | 0.4215 | 0.8333 | 0.7231 | 0.5712 | 0.4388 | 0.3275 | 0.9352 | 0.8599
30000 | 0.7928 | 0.6897 | 0.5483 | 0.4159 | 0.37 | 0.8521 | 0.7721 | 0.8589 | 0.7234 | 0.6242 | 0.5601 | 0.5554 | 0.5672 | 0.4227 | 0.8417 | 0.7323 | 0.5821 | 0.4416 | 0.3928 | 0.9047 | 0.8197
40000 | 0.7991 | 0.6964 | 0.5488 | 0.4184 | 0.3734 | 0.8241 | 0.7374 | 0.8661 | 0.7298 | 0.6289 | 0.5643 | 0.5596 | 0.5692 | 0.4239 | 0.8484 | 0.7394 | 0.5827 | 0.4442 | 0.3964 | 0.8749 | 0.7829
50000 | 0.8075 | 0.7047 | 0.5492 | 0.421 | 0.3767 | 0.8075 | 0.7047 | 0.8733 | 0.7361 | 0.6337 | 0.5686 | 0.5638 | 0.5711 | 0.4251 | 0.8573 | 0.7482 | 0.5831 | 0.447 | 0.3999 | 0.8573 | 0.7482
75000 | 0.8297 | 0.7247 | 0.5497 | 0.4235 | 0.3801 | 0.7771 | 0.6277 | 0.8914 | 0.7521 | 0.6454 | 0.5791 | 0.5743 | 0.5761 | 0.4281 | 0.8906 | 0.7779 | 0.5901 | 0.4546 | 0.408 | 0.8341 | 0.6738
100000 | 0.8513 | 0.7419 | 0.561 | 0.4353 | 0.3834 | 0.7419 | 0.561 | 0.9099 | 0.7684 | 0.6576 | 0.59 | 0.5851 | 0.5812 | 0.4313 | 0.912 | 0.7948 | 0.601 | 0.4663 | 0.4107 | 0.7948 | 0.601
150000 | 0.9115 | 0.802 | 0.6134 | 0.4647 | 0.4041 | 0.7026 | 0.526 | 0.9565 | 0.8092 | 0.6887 | 0.6179 | 0.6128 | 0.5963 | 0.4411 | 0.9512 | 0.837 | 0.6401 | 0.485 | 0.4217 | 0.7332 | 0.5489
200000 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306 | 1.0158 | 0.8607 | 0.7288 | 0.6539 | 0.6484 | 0.6171 | 0.4551 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306
300000 | 1.1921 | 1.0813 | 0.8617 | 0.568 | 0.4936 | 0.6675 | 0.5517 | 1.1722 | 0.9963 | 0.8356 | 0.7498 | 0.7435 | 0.6733 | 0.4939 | 1.1361 | 1.0305 | 0.8212 | 0.5413 | 0.4704 | 0.6362 | 0.5258
400000 | 1.3956 | 1.2845 | 1.0649 | 0.6777 | 0.6008 | 0.7097 | 0.6289 | 1.379 | 1.1752 | 0.9775 | 0.877 | 0.8697 | 0.7447 | 0.5435 | 1.3207 | 1.2156 | 1.0078 | 0.6413 | 0.5686 | 0.6716 | 0.5952
500000 | 1.6181 | 1.5021 | 1.2747 | 0.774 | 0.6918 | 0.774 | 0.6918 | 1.6343 | 1.396 | 1.1528 | 1.0343 | 1.0257 | 0.8249 | 0.5993 | 1.5554 | 1.4439 | 1.2253 | 0.744 | 0.665 | 0.744 | 0.665
750000 | 2.153 | 2.0139 | 1.7513 | 1.2253 | 0.969 | 1.0815 | 0.7811 | 2.4316 | 2.0856 | 1.7003 | 1.5256 | 1.5128 | 1.0104 | 0.7271 | 2.3062 | 2.1572 | 1.8759 | 1.3125 | 1.038 | 1.1585 | 0.8367
1000000 | 2.6405 | 2.3903 | 2.1041 | 1.5725 | 1.221 | 1.221 | 0.8349 | 3.2485 | 2.7914 | 2.2632 | 2.0307 | 2.0137 | 1.0725 | 0.7665 | 3.1895 | 2.8872 | 2.5415 | 1.8994 | 1.4748 | 1.4748 | 1.0085
1500000 | 3.6156 | 3.1431 | 2.8099 | 2.2669 | 1.725 | 1.2221 | 0.9351 | 4.5728 | 3.9084 | 3.226 | 2.8946 | 2.8703 | 0.8358 | 0.5952 | 4.6064 | 4.0044 | 3.5799 | 2.8881 | 2.1977 | 1.557 | 1.1913
2000000 | 4.5907 | 3.8959 | 3.5156 | 2.9613 | 2.2289 | 1.3839 | 1.0067 | 6.1389 | 5.2118 | 4.3966 | 3.9449 | 3.9118 | 0.5786 | 0.413 | 5.8487 | 4.9635 | 4.479 | 3.7728 | 2.8397 | 1.7631 | 1.2826
each add'l $10,000, add: | 0.0195 | 0.0151 | 0.0141 | 0.0139 | 0.0101 | 0.0032 | 0.0026 |  |  |  |  |  |  |  | 0.0248 | 0.0192 | 0.018 | 0.0177 | 0.0128 | 0.0041 | 0.0018
 | Other Fire AOI/Deductible Relativities
 | Current Relativities |  |  |  |  |  |  | Indicated Relativities |  |  |  |  |  |  | Proposed Relativities |  |  |  |  |  |  | Change
Amount of Insurance | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02
10000 | 0.7147 | 0.6729 | 0.6515 | 0.5554 | 0.3272 | 0.8416 | 0.7957 | 0.5431 | 0.5431 | 0.5431 | 0.5431 | 0.5431 | 0.5431 | 0.5431 | 0.618 | 0.598 | 0.5665 | 0.4846 | 0.3485 | 0.7278 | 0.6881
15000 | 0.716 | 0.6752 | 0.657 | 0.5654 | 0.4048 | 0.819 | 0.7608 | 0.5522 | 0.5522 | 0.5522 | 0.5522 | 0.5522 | 0.5522 | 0.5522 | 0.6192 | 0.5985 | 0.57 | 0.4889 | 0.3585 | 0.7082 | 0.6579
20000 | 0.7173 | 0.6765 | 0.6625 | 0.5753 | 0.4218 | 0.7982 | 0.7348 | 0.5612 | 0.5612 | 0.5612 | 0.5612 | 0.5612 | 0.5612 | 0.5612 | 0.6203 | 0.599 | 0.5729 | 0.4975 | 0.3748 | 0.6903 | 0.6354
30000 | 0.7188 | 0.6874 | 0.6737 | 0.5988 | 0.492 | 0.7682 | 0.7098 | 0.5793 | 0.5793 | 0.5793 | 0.5793 | 0.5793 | 0.5793 | 0.5793 | 0.6279 | 0.6145 | 0.5885 | 0.5231 | 0.4298 | 0.6711 | 0.6201
40000 | 0.729 | 0.6982 | 0.6859 | 0.6308 | 0.5389 | 0.7495 | 0.7062 | 0.5974 | 0.5974 | 0.5974 | 0.5974 | 0.5974 | 0.5974 | 0.5974 | 0.6466 | 0.6293 | 0.6084 | 0.5595 | 0.478 | 0.6648 | 0.6264
50000 | 0.7419 | 0.711 | 0.7008 | 0.6655 | 0.6096 | 0.7419 | 0.711 | 0.6155 | 0.6155 | 0.6155 | 0.6155 | 0.6155 | 0.6155 | 0.6155 | 0.6658 | 0.6412 | 0.6289 | 0.5972 | 0.5471 | 0.6658 | 0.6412
75000 | 0.7815 | 0.7475 | 0.7375 | 0.7162 | 0.6686 | 0.7576 | 0.7342 | 0.6608 | 0.6608 | 0.6608 | 0.6608 | 0.6608 | 0.6608 | 0.6608 | 0.7162 | 0.685 | 0.67 | 0.6495 | 0.6195 | 0.6943 | 0.6728
100000 | 0.821 | 0.7864 | 0.7644 | 0.7344 | 0.6856 | 0.7864 | 0.7644 | 0.7066 | 0.7066 | 0.7066 | 0.7066 | 0.7066 | 0.7066 | 0.7066 | 0.7647 | 0.7325 | 0.712 | 0.6841 | 0.6386 | 0.7325 | 0.712
150000 | 0.9061 | 0.8709 | 0.8497 | 0.814 | 0.7598 | 0.8597 | 0.8306 | 0.8097 | 0.8097 | 0.8097 | 0.8097 | 0.8097 | 0.8097 | 0.8097 | 0.8732 | 0.8393 | 0.8189 | 0.7845 | 0.7322 | 0.8285 | 0.8005
200000 | 1 | 0.9638 | 0.9421 | 0.9003 | 0.845 | 0.9421 | 0.9077 | 0.9298 | 0.9298 | 0.9298 | 0.9298 | 0.9298 | 0.9298 | 0.9298 | 1 | 0.9638 | 0.9421 | 0.9003 | 0.845 | 0.9421 | 0.9077
300000 | 1.2409 | 1.1803 | 1.1405 | 1.0878 | 1.0125 | 1.1211 | 1.0713 | 1.2291 | 1.2291 | 1.2291 | 1.2291 | 1.2291 | 1.2291 | 1.2291 | 1.3395 | 1.2741 | 1.2311 | 1.1742 | 1.093 | 1.2102 | 1.1564
400000 | 1.5394 | 1.4546 | 1.3836 | 1.3005 | 1.2153 | 1.3189 | 1.2455 | 1.6205 | 1.6205 | 1.6205 | 1.6205 | 1.6205 | 1.6205 | 1.6205 | 1.7777 | 1.6798 | 1.5978 | 1.5018 | 1.4035 | 1.5231 | 1.4383
500000 | 1.9419 | 1.8193 | 1.664 | 1.5225 | 1.4191 | 1.5225 | 1.4191 | 2.1169 | 2.1169 | 2.1169 | 2.1169 | 2.1169 | 2.1169 | 2.1169 | 2.3422 | 2.1944 | 2.007 | 1.8364 | 1.7117 | 1.8364 | 1.7117
750000 | 3.2024 | 2.9214 | 2.561 | 2.1668 | 1.9971 | 2.0698 | 1.9001 | 3.8277 | 3.8277 | 3.8277 | 3.8277 | 3.8277 | 3.8277 | 3.8277 | 4.154 | 3.7895 | 3.322 | 2.8107 | 2.5905 | 2.6848 | 2.4647
1000000 | 5.2999 | 4.9425 | 4.5198 | 3.9774 | 3.6044 | 3.6044 | 3.0489 | 5.9039 | 5.9039 | 5.9039 | 5.9039 | 5.9039 | 5.9039 | 5.9039 | 6.5624 | 6.1199 | 5.5965 | 4.9249 | 4.463 | 4.463 | 3.7752
1500000 | 13.4843 | 12.8971 | 12.4336 | 11.6323 | 10.7816 | 10.0444 | 7.9041 | 8.7892 | 8.9389 | 8.9389 | 8.9389 | 8.9389 | 8.9389 | 8.9389 | 11.6607 | 11.153 | 10.7521 | 10.0592 | 9.3235 | 8.686 | 6.8352
2000000 | 21.6686 | 20.8517 | 20.3474 | 19.2871 | 17.9589 | 15.568 | 11.0593 | 11.4311 | 11.4311 | 11.4311 | 11.4311 | 11.4311 | 11.4311 | 11.4311 | 18.7382 | 18.0318 | 17.5957 | 16.6788 | 15.5302 | 13.4626 | 9.5637
each add'l $10,000, add: | 0.1637 | 0.1591 | 0.1583 | 0.1531 | 0.1435 | 0.1105 | 0.0745 |  |  |  |  |  |  |  | 0.1415 | 0.1376 | 0.1369 | 0.1324 | 0.1241 | 0.0955 | 0.0546
 | Other Wind and Hail AOI/Deductible Relativities
 | Current Relativities |  |  |  |  |  |  | Indicated Relativities |  |  |  |  |  |  | Proposed Relativities |  |  |  |  |  |  | Change
Amount of Insurance | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02
10000 | 0.6031 | 0.5299 | 0.5289 | 0.4357 | 0.2859 | 0.7341 | 0.6952 | 0.2356 | 0.1725 | 0.1144 | 0.0502 | 0.0365 | 0.2097 | 0.1003 | 0.2181 | 0.1596 | 0.1059 | 0.0872 | 0.0572 | 0.4251 | 0.346
15000 | 0.6179 | 0.5442 | 0.5432 | 0.5071 | 0.3972 | 0.7301 | 0.6759 | 0.2588 | 0.1915 | 0.1275 | 0.0556 | 0.0405 | 0.2268 | 0.1091 | 0.2396 | 0.1772 | 0.118 | 0.1021 | 0.0862 | 0.4228 | 0.3363
20000 | 0.6326 | 0.5589 | 0.5579 | 0.5496 | 0.4444 | 0.7255 | 0.6586 | 0.2821 | 0.2105 | 0.1405 | 0.061 | 0.0444 | 0.2438 | 0.1179 | 0.2612 | 0.1948 | 0.1301 | 0.1168 | 0.1036 | 0.4201 | 0.3277
30000 | 0.6471 | 0.5735 | 0.5725 | 0.5531 | 0.4649 | 0.7053 | 0.6313 | 0.3287 | 0.2485 | 0.1667 | 0.0719 | 0.0523 | 0.278 | 0.1355 | 0.3042 | 0.23 | 0.1543 | 0.1399 | 0.1253 | 0.4085 | 0.3141
40000 | 0.662 | 0.5885 | 0.5875 | 0.5619 | 0.4749 | 0.688 | 0.616 | 0.3752 | 0.2865 | 0.1929 | 0.0827 | 0.0602 | 0.3122 | 0.1531 | 0.3473 | 0.2652 | 0.1785 | 0.1614 | 0.1443 | 0.3984 | 0.3065
50000 | 0.6766 | 0.6035 | 0.6035 | 0.5619 | 0.4849 | 0.6766 | 0.6035 | 0.4218 | 0.3244 | 0.219 | 0.0936 | 0.0681 | 0.3464 | 0.1707 | 0.391 | 0.3003 | 0.2027 | 0.1828 | 0.1639 | 0.391 | 0.3003
75000 | 0.6928 | 0.6201 | 0.6112 | 0.5622 | 0.4949 | 0.655 | 0.6114 | 0.5381 | 0.4194 | 0.2844 | 0.1207 | 0.0878 | 0.4318 | 0.2147 | 0.4986 | 0.3882 | 0.2632 | 0.238 | 0.21 | 0.3898 | 0.3122
100000 | 0.7834 | 0.7107 | 0.6452 | 0.5838 | 0.5049 | 0.7107 | 0.6452 | 0.6547 | 0.5147 | 0.3501 | 0.1479 | 0.1076 | 0.517 | 0.2587 | 0.606 | 0.4764 | 0.3241 | 0.2932 | 0.2536 | 0.4764 | 0.3241
150000 | 0.875 | 0.8023 | 0.7418 | 0.6797 | 0.536 | 0.7524 | 0.7189 | 0.8817 | 0.7049 | 0.4823 | 0.2019 | 0.1469 | 0.6752 | 0.3418 | 0.8161 | 0.6524 | 0.4463 | 0.4 | 0.3404 | 0.5176 | 0.4946
200000 | 1 | 0.9271 | 0.8262 | 0.7548 | 0.6705 | 0.8262 | 0.7659 | 1.0804 | 0.8775 | 0.6037 | 0.2508 | 0.1825 | 0.8033 | 0.4113 | 1 | 0.8122 | 0.5588 | 0.51 | 0.4287 | 0.5588 | 0.518
300000 | 1.2406 | 1.168 | 1.0469 | 0.9186 | 0.8272 | 0.9698 | 0.8974 | 1.3668 | 1.1431 | 0.7946 | 0.3252 | 0.2367 | 0.9618 | 0.5028 | 1.2651 | 1.058 | 0.7355 | 0.6606 | 0.5959 | 0.6905 | 0.6389
400000 | 1.4136 | 1.3373 | 1.225 | 1.1205 | 1.1002 | 1.1255 | 1.1177 | 1.5515 | 1.3314 | 0.9343 | 0.3776 | 0.2748 | 1.0385 | 0.5531 | 1.4361 | 1.2324 | 0.8648 | 0.8036 | 0.7641 | 0.8279 | 0.8222
500000 | 1.5985 | 1.5185 | 1.3953 | 1.2294 | 1.2162 | 1.2294 | 1.2162 | 1.7031 | 1.4946 | 1.0576 | 0.423 | 0.3078 | 1.09 | 0.5901 | 1.5926 | 1.3834 | 0.9789 | 0.9514 | 0.9331 | 0.9514 | 0.9331
750000 | 1.8104 | 1.7286 | 1.6163 | 1.4551 | 1.3445 | 1.3806 | 1.2958 | 2.0285 | 1.8541 | 1.3342 | 0.5244 | 0.3816 | 1.1871 | 0.6628 | 1.9601 | 1.6478 | 1.2057 | 1.112 | 1.0047 | 1.0433 | 0.9793
1000000 | 2.0546 | 1.9727 | 1.8711 | 1.6929 | 1.5414 | 1.5414 | 1.4566 | 2.0428 | 1.9036 | 1.3844 | 0.5418 | 0.3943 | 1.1287 | 0.6408 | 2.0043 | 1.762 | 1.2814 | 1.1755 | 1.0556 | 1.0556 | 0.9975
1500000 | 2.5428 | 2.4609 | 2.3807 | 2.1685 | 1.9353 | 1.8843 | 1.7946 | 2.102 | 1.8877 | 1.3721 | 0.5571 | 0.4053 | 1.1617 | 0.6479 | 2.0775 | 1.8539 | 1.4386 | 1.3103 | 1.1708 | 1.0753 | 1.0241
2000000 | 3.0311 | 2.9491 | 2.8903 | 2.6441 | 2.3292 | 2.2419 | 2.1255 | 2.5725 | 2.3452 | 1.724 | 0.7007 | 0.5099 | 1.3335 | 0.7558 | 2.1381 | 1.939 | 1.5958 | 1.4468 | 1.286 | 1.2343 | 1.1702
each add'l $10,000, add: | 0.0102 | 0.0102 | 0.0102 | 0.0095 | 0.0079 | 0.0072 | 0.0066 |  |  |  |  |  |  |  | 0.0012 | 0.0012 | 0.0012 | 0.0012 | 0.0012 | 0.0012 | 0.0012
 | Theft AOI/Deductible Relativities
 | Current Relativities |  |  |  |  |  |  | Indicated Relativities |  |  |  |  |  |  | Proposed Relativities |  |  |  |  |  |  | Change
Amount of Insurance | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02
10000 | 0.7813 | 0.6758 | 0.534 | 0.408 | 0.1857 | 0.9133 | 0.8764 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.7813 | 0.6758 | 0.534 | 0.408 | 0.1995 | 0.9133 | 0.8764
15000 | 0.7828 | 0.6773 | 0.535 | 0.4091 | 0.2479 | 0.897 | 0.8419 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.7828 | 0.6773 | 0.535 | 0.4091 | 0.2479 | 0.897 | 0.8419
20000 | 0.7849 | 0.6811 | 0.538 | 0.4133 | 0.3085 | 0.8809 | 0.8099 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.7849 | 0.6811 | 0.538 | 0.4133 | 0.3085 | 0.8809 | 0.8099
30000 | 0.7928 | 0.6897 | 0.5483 | 0.4159 | 0.37 | 0.8521 | 0.7721 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.7928 | 0.6897 | 0.5483 | 0.4159 | 0.37 | 0.8521 | 0.7721
40000 | 0.7991 | 0.6964 | 0.5488 | 0.4184 | 0.3734 | 0.8241 | 0.7374 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.7991 | 0.6964 | 0.5488 | 0.4184 | 0.3734 | 0.8241 | 0.7374
50000 | 0.8075 | 0.7047 | 0.5492 | 0.421 | 0.3767 | 0.8075 | 0.7047 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.8075 | 0.7047 | 0.5492 | 0.421 | 0.3767 | 0.8075 | 0.7047
75000 | 0.8297 | 0.7247 | 0.5497 | 0.4235 | 0.3801 | 0.7771 | 0.6277 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.8297 | 0.7247 | 0.5497 | 0.4235 | 0.3801 | 0.7771 | 0.6277
100000 | 0.8513 | 0.7419 | 0.561 | 0.4353 | 0.3834 | 0.7419 | 0.561 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.8513 | 0.7419 | 0.561 | 0.4353 | 0.3834 | 0.7419 | 0.561
150000 | 0.9115 | 0.802 | 0.6134 | 0.4647 | 0.4041 | 0.7026 | 0.526 | 1.1917 | 1.0391 | 0.7471 | 0.7471 | 0.7471 | 0.8598 | 0.5976 | 0.9115 | 0.802 | 0.6134 | 0.4647 | 0.4041 | 0.7026 | 0.526
200000 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306 | 1.209 | 1.0491 | 0.7543 | 0.7543 | 0.7543 | 0.8386 | 0.5829 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306
300000 | 1.1921 | 1.0813 | 0.8617 | 0.568 | 0.4936 | 0.6675 | 0.5517 | 1.3053 | 1.1161 | 0.8025 | 0.8025 | 0.8025 | 0.7995 | 0.5557 | 1.1921 | 1.0813 | 0.8617 | 0.5894 | 0.5122 | 0.6926 | 0.5724
400000 | 1.3956 | 1.2845 | 1.0649 | 0.6777 | 0.6008 | 0.7097 | 0.6289 | 1.4415 | 1.2169 | 0.875 | 0.875 | 0.875 | 0.7879 | 0.5477 | 1.3956 | 1.2845 | 1.0649 | 0.6777 | 0.6008 | 0.7097 | 0.6289
500000 | 1.6181 | 1.5021 | 1.2747 | 0.774 | 0.6918 | 0.774 | 0.6918 | 1.596 | 1.3328 | 0.9583 | 0.9583 | 0.9583 | 0.7869 | 0.547 | 1.6181 | 1.5021 | 1.2747 | 0.774 | 0.6918 | 0.774 | 0.6918
750000 | 2.153 | 2.0139 | 1.7513 | 1.2253 | 0.969 | 1.0815 | 0.7811 | 1.9599 | 1.6067 | 1.1553 | 1.1553 | 1.1553 | 0.7822 | 0.5437 | 2.153 | 2.0139 | 1.7513 | 1.2253 | 0.969 | 1.0815 | 0.7811
1000000 | 2.6405 | 2.3903 | 2.1041 | 1.5725 | 1.221 | 1.221 | 0.8349 | 2.2456 | 1.8294 | 1.3154 | 1.3154 | 1.3154 | 0.7751 | 0.5388 | 3.9608 | 3.5855 | 3.1562 | 2.3588 | 1.8315 | 1.8315 | 1.2524
1500000 | 3.6156 | 3.1431 | 2.8099 | 2.2669 | 1.725 | 1.2221 | 0.9351 | 2.7747 | 2.3364 | 1.68 | 1.68 | 1.68 | 0.9103 | 0.6328 | 5.4234 | 4.7147 | 4.2149 | 3.4004 | 2.5875 | 1.8332 | 1.4027
2000000 | 4.5907 | 3.8959 | 3.5156 | 2.9613 | 2.2289 | 1.3839 | 1.0067 | 3.0779 | 2.7191 | 1.9551 | 1.9551 | 1.9551 | 1.0731 | 0.7459 | 6.8861 | 5.8439 | 5.2734 | 4.442 | 3.3434 | 2.0759 | 1.5101
each add'l $10,000, add: | 0.0195 | 0.0151 | 0.0141 | 0.0139 | 0.0101 | 0.0032 | 0.0026 |  |  |  |  |  |  |  | 0.0293 | 0.0226 | 0.0212 | 0.0208 | 0.0151 | 0.0049 | 0.0021
 | Water AOI/Deductible Relativities
 | Current Relativities |  |  |  |  |  |  | Indicated Relativities |  |  |  |  |  |  | Proposed Relativities |  |  |  |  |  |  | Change
Amount of Insurance | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02
10000 | 0.7813 | 0.6758 | 0.534 | 0.408 | 0.1857 | 0.9133 | 0.8764 | 0.4574 | 0.3525 | 0.2409 | 0.0955 | 0.0602 | 0.3484 | 0.1898 | 0.6739 | 0.5829 | 0.4606 | 0.3519 | 0.1802 | 0.7877 | 0.7559
15000 | 0.7828 | 0.6773 | 0.535 | 0.4091 | 0.2479 | 0.897 | 0.8419 | 0.4701 | 0.3638 | 0.2493 | 0.0988 | 0.0623 | 0.3539 | 0.1947 | 0.6752 | 0.5842 | 0.4614 | 0.3529 | 0.2138 | 0.7737 | 0.7262
20000 | 0.7849 | 0.6811 | 0.538 | 0.4133 | 0.3085 | 0.8809 | 0.8099 | 0.4829 | 0.375 | 0.2576 | 0.1021 | 0.0643 | 0.3595 | 0.1996 | 0.677 | 0.5875 | 0.464 | 0.3565 | 0.2661 | 0.7598 | 0.6986
30000 | 0.7928 | 0.6897 | 0.5483 | 0.4159 | 0.37 | 0.8521 | 0.7721 | 0.5084 | 0.3975 | 0.2742 | 0.1087 | 0.0685 | 0.3707 | 0.2094 | 0.6838 | 0.5949 | 0.4729 | 0.3587 | 0.3191 | 0.735 | 0.666
40000 | 0.7991 | 0.6964 | 0.5488 | 0.4184 | 0.3734 | 0.8241 | 0.7374 | 0.5338 | 0.4199 | 0.2908 | 0.1153 | 0.0726 | 0.3818 | 0.2192 | 0.6892 | 0.6007 | 0.4734 | 0.3609 | 0.3221 | 0.7108 | 0.636
50000 | 0.8075 | 0.7047 | 0.5492 | 0.421 | 0.3767 | 0.8075 | 0.7047 | 0.5593 | 0.4424 | 0.3075 | 0.1219 | 0.0768 | 0.393 | 0.2291 | 0.6965 | 0.6078 | 0.4737 | 0.3631 | 0.3249 | 0.6965 | 0.6078
75000 | 0.8297 | 0.7247 | 0.5497 | 0.4235 | 0.3801 | 0.7771 | 0.6277 | 0.623 | 0.4985 | 0.349 | 0.1384 | 0.0872 | 0.4208 | 0.2536 | 0.7156 | 0.6251 | 0.4741 | 0.3653 | 0.3278 | 0.6703 | 0.5414
100000 | 0.8513 | 0.7419 | 0.561 | 0.4353 | 0.3834 | 0.7419 | 0.561 | 0.687 | 0.5551 | 0.391 | 0.155 | 0.0976 | 0.4486 | 0.2782 | 0.7343 | 0.6399 | 0.4839 | 0.3755 | 0.3307 | 0.6399 | 0.4839
150000 | 0.9115 | 0.802 | 0.6134 | 0.4647 | 0.4041 | 0.7026 | 0.526 | 0.8202 | 0.6751 | 0.4811 | 0.1908 | 0.1202 | 0.502 | 0.3291 | 0.8515 | 0.7492 | 0.573 | 0.4341 | 0.3775 | 0.6564 | 0.4914
200000 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306 | 0.9576 | 0.8022 | 0.5783 | 0.2293 | 0.1444 | 0.5514 | 0.3815 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306
300000 | 1.1921 | 1.0813 | 0.8617 | 0.568 | 0.4936 | 0.6675 | 0.5517 | 1.2325 | 1.0665 | 0.7862 | 0.3118 | 0.1964 | 0.6353 | 0.4862 | 1.305 | 1.1837 | 0.9433 | 0.6218 | 0.5404 | 0.7307 | 0.604
400000 | 1.3956 | 1.2845 | 1.0649 | 0.6777 | 0.6008 | 0.7097 | 0.6289 | 1.4907 | 1.3277 | 1.0001 | 0.3965 | 0.2498 | 0.6983 | 0.5864 | 1.6011 | 1.4736 | 1.2217 | 0.7775 | 0.6893 | 0.8142 | 0.7215
500000 | 1.6181 | 1.5021 | 1.2747 | 0.774 | 0.6918 | 0.774 | 0.6918 | 1.7205 | 1.5716 | 1.2084 | 0.4792 | 0.3018 | 0.7435 | 0.6793 | 1.879 | 1.7443 | 1.4802 | 0.8988 | 0.8033 | 0.8988 | 0.8033
750000 | 2.153 | 2.0139 | 1.7513 | 1.2253 | 0.969 | 1.0815 | 0.7811 | 2.1766 | 2.0846 | 1.6815 | 0.6668 | 0.42 | 0.8213 | 0.8936 | 2.4735 | 2.3137 | 2.012 | 1.4077 | 1.1132 | 1.1656 | 0.8974
1000000 | 2.6405 | 2.3903 | 2.1041 | 1.5725 | 1.221 | 1.221 | 0.8349 | 2.5734 | 2.5266 | 2.1262 | 0.8431 | 0.531 | 0.9314 | 1.1454 | 3.0977 | 2.8042 | 2.4684 | 1.8448 | 1.4324 | 1.4324 | 0.9592
1500000 | 3.6156 | 3.1431 | 2.8099 | 2.2669 | 1.725 | 1.2221 | 0.9351 | 3.2003 | 3.0432 | 2.7356 | 1.0848 | 0.6833 | 1.5453 | 2.0055 | 3.8853 | 3.3776 | 3.0195 | 2.436 | 1.8537 | 1.525 | 1.0743
2000000 | 4.5907 | 3.8959 | 3.5156 | 2.9613 | 2.2289 | 1.3839 | 1.0067 | 3.458 | 3.0661 | 2.9092 | 1.1536 | 0.7266 | 2.3451 | 2.9688 | 4.0099 | 3.403 | 3.0708 | 2.5866 | 1.9469 | 1.7269 | 1.1566
each add'l $10,000, add: | 0.0195 | 0.0151 | 0.0141 | 0.0139 | 0.0101 | 0.0032 | 0.0026 |  |  |  |  |  |  |  | 0.0025 | 0.0005 | 0.0005 | 0.0005 | 0.0005 | 0.0005 | 0.0005
 | Lightning AOI/Deductible Relativities
 | Current Relativities |  |  |  |  |  |  | Indicated Relativities |  |  |  |  |  |  | Proposed Relativities |  |  |  |  |  |  | Change
Amount of Insurance | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02
10000 | 0.7813 | 0.6758 | 0.534 | 0.408 | 0.1857 | 0.9133 | 0.8764 | 0.1314 | 0.0631 | 0.0466 | 0.0466 | 0.0466 | 0.1768 | 0.0922 | 0.7813 | 0.6758 | 0.534 | 0.408 | 0.2057 | 0.9133 | 0.8764
15000 | 0.7828 | 0.6773 | 0.535 | 0.4091 | 0.2479 | 0.897 | 0.8419 | 0.1429 | 0.0714 | 0.0527 | 0.0527 | 0.0527 | 0.1899 | 0.0989 | 0.7828 | 0.6773 | 0.535 | 0.4091 | 0.2479 | 0.897 | 0.8419
20000 | 0.7849 | 0.6811 | 0.538 | 0.4133 | 0.3085 | 0.8809 | 0.8099 | 0.1544 | 0.0797 | 0.0588 | 0.0588 | 0.0588 | 0.203 | 0.1056 | 0.7849 | 0.6811 | 0.538 | 0.4133 | 0.3085 | 0.8809 | 0.8099
30000 | 0.7928 | 0.6897 | 0.5483 | 0.4159 | 0.37 | 0.8521 | 0.7721 | 0.1774 | 0.0964 | 0.0711 | 0.0711 | 0.0711 | 0.2293 | 0.1189 | 0.7928 | 0.6897 | 0.5483 | 0.4159 | 0.37 | 0.8521 | 0.7721
40000 | 0.7991 | 0.6964 | 0.5488 | 0.4184 | 0.3734 | 0.8241 | 0.7374 | 0.2004 | 0.113 | 0.0833 | 0.0833 | 0.0833 | 0.2555 | 0.1323 | 0.7991 | 0.6964 | 0.5488 | 0.4184 | 0.3734 | 0.8241 | 0.7374
50000 | 0.8075 | 0.7047 | 0.5492 | 0.421 | 0.3767 | 0.8075 | 0.7047 | 0.2234 | 0.1297 | 0.0955 | 0.0955 | 0.0955 | 0.2818 | 0.1457 | 0.8075 | 0.7047 | 0.5492 | 0.421 | 0.3767 | 0.8075 | 0.7047
75000 | 0.8297 | 0.7247 | 0.5497 | 0.4235 | 0.3801 | 0.7771 | 0.6277 | 0.2809 | 0.1713 | 0.126 | 0.126 | 0.126 | 0.3475 | 0.1791 | 0.8297 | 0.7247 | 0.5497 | 0.4235 | 0.3801 | 0.7771 | 0.6277
100000 | 0.8513 | 0.7419 | 0.561 | 0.4353 | 0.3834 | 0.7419 | 0.561 | 0.3394 | 0.2139 | 0.1573 | 0.1573 | 0.1573 | 0.414 | 0.213 | 0.8513 | 0.7419 | 0.561 | 0.4353 | 0.3834 | 0.7419 | 0.561
150000 | 0.9115 | 0.802 | 0.6134 | 0.4647 | 0.4041 | 0.7026 | 0.526 | 0.476 | 0.3196 | 0.2347 | 0.2347 | 0.2347 | 0.5636 | 0.2889 | 0.9115 | 0.802 | 0.6134 | 0.4647 | 0.4041 | 0.7026 | 0.526
200000 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306 | 0.6364 | 0.4539 | 0.3329 | 0.3329 | 0.3329 | 0.7295 | 0.3726 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306
300000 | 1.1921 | 1.0813 | 0.8617 | 0.568 | 0.4936 | 0.6675 | 0.5517 | 1.0059 | 0.803 | 0.5879 | 0.5879 | 0.5879 | 1.0721 | 0.5444 | 1.1921 | 1.0813 | 0.8617 | 0.568 | 0.4936 | 0.6675 | 0.5517
400000 | 1.3956 | 1.2845 | 1.0649 | 0.6777 | 0.6008 | 0.7097 | 0.6289 | 1.3937 | 1.2314 | 0.9002 | 0.9002 | 0.9002 | 1.3663 | 0.6905 | 1.4589 | 1.3428 | 1.1132 | 0.7085 | 0.6281 | 0.7419 | 0.6574
500000 | 1.6181 | 1.5021 | 1.2747 | 0.774 | 0.6918 | 0.774 | 0.6918 | 1.7518 | 1.6939 | 1.237 | 1.237 | 1.237 | 1.5628 | 0.7869 | 1.9899 | 1.8472 | 1.5676 | 0.9518 | 0.8507 | 0.9518 | 0.8507
750000 | 2.153 | 2.0139 | 1.7513 | 1.2253 | 0.969 | 1.0815 | 0.7811 | 2.4392 | 2.8147 | 2.0533 | 2.0533 | 2.0533 | 1.6397 | 0.8223 | 3.2295 | 3.0209 | 2.627 | 1.838 | 1.4535 | 1.6223 | 1.1717
1000000 | 2.6405 | 2.3903 | 2.1041 | 1.5725 | 1.221 | 1.221 | 0.8349 | 3.1119 | 3.9951 | 2.9183 | 2.9183 | 2.9183 | 1.4743 | 0.7417 | 3.9608 | 3.5855 | 3.1562 | 2.3588 | 1.8315 | 1.8315 | 1.2524
1500000 | 3.6156 | 3.1431 | 2.8099 | 2.2669 | 1.725 | 1.2221 | 0.9351 | 6.4127 | 7.7257 | 5.72 | 5.72 | 5.72 | 1.1419 | 0.5907 | 5.4234 | 4.7147 | 4.2149 | 3.4004 | 2.5875 | 1.9537 | 1.4949
2000000 | 4.5907 | 3.8959 | 3.5156 | 2.9613 | 2.2289 | 1.3839 | 1.0067 | 10.7035 | 11.6025 | 8.6822 | 8.6822 | 8.6822 | 0.7 | 0.3861 | 6.8861 | 5.8439 | 5.2734 | 4.442 | 3.3434 | 2.0759 | 1.5101
each add'l $10,000, add: | 0.0195 | 0.0151 | 0.0141 | 0.0139 | 0.0101 | 0.0032 | 0.0026 |  |  |  |  |  |  |  | 0.0293 | 0.0226 | 0.0212 | 0.0208 | 0.0151 | 0.0024 | 0.0003
 | Liability AOI/Deductible Relativities
 | Current Relativities |  |  |  |  |  |  | Indicated Relativities |  |  |  |  |  |  | Proposed Relativities |  |  |  |  |  |  | Change
Amount of Insurance | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02 | 500 | 1000 | 2000 | 5000 | 10000 | 0.01 | 0.02
10000 | 0.7813 | 0.6758 | 0.534 | 0.408 | 0.1857 | 0.9133 | 0.8764 | 0.6352 | 0.6909 | 0.7026 | 0.9692 | 0.9692 | 0.6361 | 0.74 | 0.7126 | 0.6164 | 0.4871 | 0.3721 | 0.1894 | 0.833 | 0.7994
15000 | 0.7828 | 0.6773 | 0.535 | 0.4091 | 0.2479 | 0.897 | 0.8419 | 0.6425 | 0.6988 | 0.7106 | 0.9803 | 0.9803 | 0.648 | 0.7538 | 0.7206 | 0.6235 | 0.4925 | 0.3766 | 0.2282 | 0.8257 | 0.775
20000 | 0.7849 | 0.6811 | 0.538 | 0.4133 | 0.3085 | 0.8809 | 0.8099 | 0.6497 | 0.7067 | 0.7186 | 0.9914 | 0.9914 | 0.6599 | 0.7677 | 0.7266 | 0.6305 | 0.498 | 0.3826 | 0.2856 | 0.8154 | 0.7497
30000 | 0.7928 | 0.6897 | 0.5483 | 0.4159 | 0.37 | 0.8521 | 0.7721 | 0.6642 | 0.7224 | 0.7347 | 1.0135 | 1.0135 | 0.6838 | 0.7954 | 0.7409 | 0.6446 | 0.5124 | 0.3887 | 0.3458 | 0.7963 | 0.7216
40000 | 0.7991 | 0.6964 | 0.5488 | 0.4184 | 0.3734 | 0.8241 | 0.7374 | 0.6787 | 0.7382 | 0.7507 | 1.0356 | 1.0356 | 0.7076 | 0.8232 | 0.7558 | 0.6586 | 0.519 | 0.3957 | 0.3532 | 0.7794 | 0.6974
50000 | 0.8075 | 0.7047 | 0.5492 | 0.421 | 0.3767 | 0.8075 | 0.7047 | 0.6932 | 0.754 | 0.7668 | 1.0577 | 1.0577 | 0.7315 | 0.8509 | 0.7708 | 0.6727 | 0.5243 | 0.4019 | 0.3596 | 0.7708 | 0.6727
75000 | 0.8297 | 0.7247 | 0.5497 | 0.4235 | 0.3801 | 0.7771 | 0.6277 | 0.7295 | 0.7934 | 0.8069 | 1.1131 | 1.1131 | 0.7911 | 0.9202 | 0.8105 | 0.7079 | 0.5369 | 0.4137 | 0.3713 | 0.7591 | 0.6131
100000 | 0.8513 | 0.7419 | 0.561 | 0.4353 | 0.3834 | 0.7419 | 0.561 | 0.7659 | 0.833 | 0.8471 | 1.1685 | 1.1685 | 0.8511 | 0.99 | 0.8528 | 0.7432 | 0.562 | 0.436 | 0.3841 | 0.7432 | 0.562
150000 | 0.9115 | 0.802 | 0.6134 | 0.4647 | 0.4041 | 0.7026 | 0.526 | 0.8406 | 0.9142 | 0.9297 | 1.2825 | 1.2825 | 0.9789 | 1.1387 | 0.927 | 0.8157 | 0.6238 | 0.4726 | 0.411 | 0.7146 | 0.535
200000 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306 | 0.9175 | 0.9979 | 1.0148 | 1.3999 | 1.3999 | 1.1168 | 1.2991 | 1 | 0.8903 | 0.6826 | 0.501 | 0.4322 | 0.6826 | 0.5306
300000 | 1.1921 | 1.0813 | 0.8617 | 0.568 | 0.4936 | 0.6675 | 0.5517 | 1.0756 | 1.1698 | 1.1897 | 1.6412 | 1.6412 | 1.4189 | 1.6506 | 1.1507 | 1.0438 | 0.8318 | 0.5483 | 0.4765 | 0.6443 | 0.5325
400000 | 1.3956 | 1.2845 | 1.0649 | 0.6777 | 0.6008 | 0.7097 | 0.6289 | 1.2352 | 1.3434 | 1.3662 | 1.8847 | 1.8847 | 1.7474 | 2.0327 | 1.3023 | 1.1986 | 0.9937 | 0.6324 | 0.5606 | 0.6623 | 0.5869
500000 | 1.6181 | 1.5021 | 1.2747 | 0.774 | 0.6918 | 0.774 | 0.6918 | 1.3911 | 1.513 | 1.5386 | 2.1226 | 2.1226 | 2.0881 | 2.429 | 1.4542 | 1.3499 | 1.1456 | 0.6956 | 0.6217 | 0.6956 | 0.6217
750000 | 2.153 | 2.0139 | 1.7513 | 1.2253 | 0.969 | 1.0815 | 0.7811 | 1.7363 | 1.8884 | 1.9204 | 2.6492 | 2.6492 | 2.8852 | 3.3562 | 1.8168 | 1.6994 | 1.4778 | 1.034 | 0.8177 | 0.9126 | 0.6591
1000000 | 2.6405 | 2.3903 | 2.1041 | 1.5725 | 1.221 | 1.221 | 0.8349 | 1.9928 | 2.1674 | 2.2042 | 3.0407 | 3.0407 | 3.4312 | 3.9913 | 2.2282 | 2.0171 | 1.7755 | 1.327 | 1.0303 | 1.0303 | 0.7045
1500000 | 3.6156 | 3.1431 | 2.8099 | 2.2669 | 1.725 | 1.2221 | 0.9351 | 2.5029 | 2.7221 | 2.7683 | 3.8189 | 3.8189 | 3.6159 | 4.2063 | 3.051 | 2.6523 | 2.3711 | 1.9129 | 1.4556 | 1.0991 | 0.841
2000000 | 4.5907 | 3.8959 | 3.5156 | 2.9613 | 2.2289 | 1.3839 | 1.0067 | 3.1785 | 3.4569 | 3.5155 | 4.8497 | 4.8497 | 3.5362 | 4.1135 | 3.8739 | 3.2876 | 2.9666 | 2.4989 | 1.8809 | 1.1678 | 0.8495
each add'l $10,000, add: | 0.0195 | 0.0151 | 0.0141 | 0.0139 | 0.0101 | 0.0032 | 0.0026 |  |  |  |  |  |  |  | 0.0165 | 0.0127 | 0.0119 | 0.0117 | 0.0085 | 0.0014 | 0.0002