Allstate, Lone Tree, CO
Home Insurance Rate of $710/7 months for $250000-$300000 Coverage

Policy Coverage Includes : Loss of Use & living expense payment during home repair

$1000-$2500 Deductible

Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 1240 sqft Rental Property Constructed In 2000 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

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Farmers Insurance, La Vista, NE
Home Insurance Rate of $60/1 month for $150000-$175000 Coverage

Policy Coverage Includes : Damage to other structures

$500 Deductible

Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 1980 sqft Seasonal Residence Constructed In 1997 with Hardwood Flooring, Tile Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

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Travelers, Hialeah Gardens, FL
Home Insurance Rate of $1160/7 months for $125000-$150000 Coverage

Policy Coverage Includes : Medical bill payment for other people hurt on property

$2500-$5000 Deductible

Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 1850 sqft Rental Property Constructed In 2013 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

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Nationwide Insurance, Southgate, MI
Home Insurance Rate of $40/1 month for $100000-$125000 Coverage

Policy Coverage Includes : Damage to dwelling & structure and Personal liability & financial loss coverage from litigation

$1000-$2500 Deductible

Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1390 sqft Seasonal Residence Constructed In 1962 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

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Allstate, Marlborough, MA
Home Insurance Rate of $1290/5 months for $300000-$350000 Coverage

Policy Coverage Includes : Damage to other structures, Damage to dwelling & structure and Loss of Use & living expense payment during home repair

$500 Deductible

Policy Holder Home Details :

Home Value : $335,000

3 Beds, 3 Baths 2390 sqft Vacation Property Constructed In 1994 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

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Farmers Insurance, Whittier, CA
Home Insurance Rate of $410/4 months for $600000-$700000 Coverage

Policy Coverage Includes : Personal Property damage or loss reimbursement, Medical bill payment for other people hurt on property and Damage to other structures

$5000 to $10,000 Deductible

Policy Holder Home Details :

Home Value : $685,000

5 Beds, 5 Baths 3130 sqft Primary Residence Constructed In 1975 with Hardwood Flooring, Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

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Ajit Jain’s Contribution to Berkshire Hathaway Insurance

Berkshire Hathaway is the big daddy of the insurance world. In that world, Ajit Jain, Warren Buffett’s likely successor, runs the Berkshire Hathaway Reinsurance division and is the central piece of the Berkshire Hathaway Insurance machine.
As part of our analysis of the big picture drivers of the insurance industry, we looked at Ajit Jain’s contribution. Here are some charts & data explaining Ajit Jain’s contribution to Berkshire Hathaway.

Ajit Jain’s BH Reinsurance Float Contribution

Float makes the insurance world go around. In fact, the reason for Berkshire’s outperformance over the years is the access to ...

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Google Fusion Tables Maps: Step by Step Guide Using Home Insurance Rates Data

At vHomeInsurance.com. we love data, visualizations and showing complicated data & figures in simple and understandable ways. We have been experimenting with different tools to visually show our extremely detailed location specific Homeowner Insurance data (e.g. See Houston Home Insurance).
Here we have given a detailed step by step guide on how to use Google Fusion Table data, a free service by Google to visualize and represent data on a map.

Step 1: Go to Google Fusion Tables

You must have a Google Account to start using Fusion Tables. If you don’t have a Google Account sign up ...

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Climate Change will increase your home insurance

One of key macro trends affecting your home insurance rates is the increased risk of climate change & its resulting impact on extreme weather events.  Here for example is a chart from Allianz Global from on some of the costliest storms for the Insurance industry.



Of course, Post Sandy home insurance rates sky rocketed to sometimes more than $20,000 in rare cases. These rate increases are not just a post sandy phenomenon. Munich Re one of the largest re-insurance companies in the world put our research asserting that rising sea levels had increased the risk of catastrophic events.


To understand ...

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Ranking of States in Adoption of Energy Star certified homes

Arizona, Nevada and Maryland were the top 3 states in the adoption of Energy star certified homes in 2013 at 48%, 28% & 24% respectively. Adoption is the percentage of Energy star certified homes of total homes built in 2013.




After the top 3 states, the following 9 states came next and had an adoption rate of more than 10%

  1. Vermont: 18.9%

  2. Delaware: 18.9%

  3. North Carolina:  14.7%

  4. Texas: 14.1%

  5. Iowa: 14.1%

  6. New Hampshire: 13.2%

  7. Idaho: 12.9%

  8. Ohio: 11.2%

  9. New Mexico: 10.7%


The performance of Arizona, Florida & North Carolina is especially notable since ...

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Personal Involvement & close working relationships with builder is key in Energy Star Certification

Energy Star certified homes must be at least 30% more energy efficient than national guidelines or 15% more efficient than state guidelines, whichever is stricter. However, the process of certification requires a close co-ordination between the home owner, the builder & the energy rater.


Building science principles to get Energy Certifiedare multi faceted & home owners needs to familiarize themselves with different inter-related concepts including:


  • Comprehensive Thermal Enclosure System through air sealing, insulation, and high-performance windows

  • More energy efficient heating and cooling systems through High-efficiency systems that deliver better moisture control & improved indoor air quality

  • Water Management System to protect roofs ...

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Arizona’s Incentives Drive High Adoption of Energy Star Certified Homes

Arizona has one of the highest adoption of Energy Star certified homes at 48% of total homes in 2013. About 11, 500 homes were Energy Star certified in 2013 alone bringing the total to about 126,000.  One of the key reasons behind any successful energy star programs is an incentive program to jump start & increase the adoption of making your house more energy efficient.  


Here are some key Energy Star partnerships in Arizona to increase adoption rates:

  • Arizona Public Service (602-250-3455): Production homebuilders may receive incentives of $1,000 or $1,500 for ENERGY STAR certified new homes. Certified ...

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