Commitments and Contingencies (Tables)

9 Months Ended

Sep. 30, 2013

Commitments and Contingencies

Summary of composition of mortgage loans originated, by loan type; credit score; and loan-to-value ratio

	NINE MONTHS ENDED SEPTEMBER 30,		TWELVE MONTHS ENDED DECEMBER 31,
	2013		2012		2011		2010		2009		2008
Prime	54.5	%	48.6	%	42.2	%	34.9	%	32.9	%	51.8	%
Government (FHA/VA/USDA)	45.5		51.4		57.8		65.1		67.1		48.2
Total	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%	100.0	%
Average FICO credit score	731		731		726		723		717		711
Average combined loan-to-value ratio	90.3	%	90.1	%	90.3	%	90.8	%	91.4	%	90.1	%

Changes in mortgage loan loss reserves and related legal reserves

(in thousands)	2013			2012
Balance at January 1	$	10,484		$	10,141
Provision for losses	1,072			300
Settlements made	(592		)	(345		)
Balance at September 30	$	10,964		$	10,096

Changes in product liability reserves

(in thousands)	2013			2012
Balance at January 1	$	18,188		$	20,648
Warranties issued	5,651			2,389
Changes in liability for accruals related to pre-existing warranties	739			1,669
Settlements made	(4,419		)	(6,393		)
Balance at September 30	$	20,159		$	18,313

Changes in RHIC's insurance reserves

(in thousands)	2013			2012
Balance at January 1	$	14,813		$	18,209
Loss expenses paid	(1,380		)	(1,510		)
Balance at September 30	$	13,433		$	16,699