Home Insurance Rate of $550/3 months for $250000-$300000 Coverage

Current Experience with Liberty Mutual : Clear Billing

Reasons Liberty Mutual Was Picked Originally : Claims Processing reputation

Liberty Mutual policy bought Directly Called Insurance company More than 36 Month after Phone comparison

Policy Coverage Includes : Medical bill payment for other people hurt on property, Personal liability & financial loss coverage from litigation and Loss of Use & living expense payment during home repair

$2500-$5000 Deductible

Read all Kinderhook Home Insurance Reviews
Home Insurance Rate of $160/1 month for $300000-$350000 Coverage

Current Experience with Liberty Mutual : Useful website

Reasons Liberty Mutual Was Picked Originally : Claims Processing reputation, Price, Size, Stability

Liberty Mutual policy bought Online More than 36 Month after Phone comparison

Policy Coverage Includes : Damage to dwelling & structure and Damage to other structures

$1000-$2500 Deductible

Read all Woodway Home Insurance Reviews
Home Insurance Rate of $700/9 months for $175000-$200000 Coverage

Current Experience with State Farm : Clear Billing, Great Online Experience

Reasons State Farm Was Picked Originally : Referral, Customer Service Reputation

State Farm policy bought Agent Less than 12 Months after Online + Agent Comparison

Policy Coverage Includes : Damage to dwelling & structure and Damage to other structures

$500 Deductible

Read all Chocowinity Home Insurance Reviews
Home Insurance Rate of $140/3 months for $125000-$150000 Coverage

Current Experience with American Family Insurance : Incorrect Billing, Confusion in Policy Renewal

Reasons American Family Insurance Was Picked Originally : Claims Processing reputation, Customer Service Reputation, Stability, Size

American Family Insurance policy bought Directly Called Insurance company More than 36 Month after Online Comparison

Policy Coverage Includes : Personal liability & financial loss coverage from litigation, Damage to other structures and Medical bill payment for other people hurt on property

$2500-$5000 Deductible

Read all Greensboro Home Insurance Reviews
Home Insurance Rate of $240/3 months for $175000-$200000 Coverage

Current Experience with Erie Insurance : Policy Renewal terms were as per expectations, Supportive Agent, Decent Coverage options

Reasons Erie Insurance Was Picked Originally : Referral, Size

Erie Insurance policy bought Online Less than 12 Months after Online + Agent Comparison

Policy Coverage Includes : Damage to other structures and Personal liability & financial loss coverage from litigation

$500 Deductible

Read all Winchester Home Insurance Reviews
Home Insurance Rate of $250/2 months for $400000-$500000 Coverage

Current Experience with State Farm : Easy & consistent Policy Renewal

Reasons State Farm Was Picked Originally : Claims Processing reputation

State Farm policy bought Agent More than 36 Month after Phone comparison

Policy Coverage Includes : Personal liability & financial loss coverage from litigation and Medical bill payment for other people hurt on property

$5000 to $10,000 Deductible

Read all Sunset Hills Home Insurance Reviews
Home Insurance Rate of $3220/8 months for $700000-$800000 Coverage

Current Experience with State Farm : Billing, Policy Renewal terms were as per expectations, Decent Coverage options

Reasons State Farm Was Picked Originally : Convenience, Referral, Price

State Farm policy bought Online More than 36 Month after Phone comparison

Policy Coverage Includes : Personal liability & financial loss coverage from litigation

$2500-$5000 Deductible

Read all Manhasset Home Insurance Reviews
Home Insurance Rate of $430/12 months for $75000-$100000 Coverage

Current Experience with Nationwide Insurance : Useful website, Billing, Supportive Agent, Policy Renewal terms were as per expectations

Reasons Nationwide Insurance Was Picked Originally : Price, Referral, Customer Service Reputation, Claims Processing reputation

Nationwide Insurance policy bought Directly Called Insurance company Less than 12 Months after Online + Agent Comparison

Policy Coverage Includes : Damage to dwelling & structure

$1000-$2500 Deductible

Read all Fayette Home Insurance Reviews
Home Insurance Rate of $190/6 months for $125000-$150000 Coverage

Current Experience with Amica Mutual Insurance Company : Great Insurance Agent Support, Clear Billing, Easy & consistent Policy Renewal

Reasons Amica Mutual Insurance Company Was Picked Originally : Convenience, Customer Service Reputation

Amica Mutual Insurance Company policy bought Directly Called Insurance company Less than 12 Months after Online + Agent Comparison

Policy Coverage Includes : Personal liability & financial loss coverage from litigation, Medical bill payment for other people hurt on property and Damage to other structures

$5000 to $10,000 Deductible

Read all Orrville Home Insurance Reviews
Home Insurance Rate of $900/8 months for $350000-$400000 Coverage

Current Experience with Nationwide Insurance : Great coverage options, Easy & consistent Policy Renewal, Great Online Experience

Reasons Nationwide Insurance Was Picked Originally : Size

Nationwide Insurance policy bought Directly Called Insurance company 12 to 36 Months after Online + Agent Comparison

Policy Coverage Includes : Damage to dwelling & structure and Personal Property damage or loss reimbursement

$1000-$2500 Deductible

Read all Middlebury Home Insurance Reviews

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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