Home Insurance Rate of $1610/5 months for $900,000-$1,000,000 Coverage

Current Experience with Amica Mutual Insurance Company : Incorrect Billing, Confusing Website

Reasons Amica Mutual Insurance Company Was Picked Originally : Claims Processing reputation, Customer Service Reputation, Price, Referral

Amica Mutual Insurance Company policy bought through an Agent 12 to 36 Months after Phone comparison

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

$5000 to $10,000 Deductible

Read all Sunnyvale Home Insurance Reviews
Home Insurance Rate of $740/6 months for $500,000-$600,000 Coverage

Current Experience with State Farm : Great Online Experience, Great Insurance Agent Support

Reasons State Farm Was Picked Originally : Size, Customer Service Reputation, Stability, Price

State Farm policy bought by Calling Insurance Company Less than 12 Months after Phone comparison

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

$500- $1000 Deductible

Read all Salinas Home Insurance Reviews
Home Insurance Rate of $130/2 months for $175,000-$200,000 Coverage

Current Experience with State Farm : Agent not helpful

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

State Farm policy bought by Calling Insurance Company More than 36 Months after Online + Agent Comparison

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

$1000-$2500 Deductible

Read all Fresno Home Insurance Reviews
Home Insurance Rate of $860/8 months for $400,000-$500,000 Coverage

Current Experience with Farmers Insurance : Great Insurance Agent Support

Reasons Farmers Insurance Was Picked Originally : Size, Convenience, Customer Service Reputation

Farmers Insurance policy bought through an Agent Less than 12 Months after Online + Agent Comparison

Policy Coverage Includes : Medical bill payment for other people hurt on property, Personal Property damage or loss reimbursement and Loss of Use & living expense payment during home repair

$500 Deductible

Read all Palmdale Home Insurance Reviews
Home Insurance Rate of $470/10 months for $125,000-$150,000 Coverage

Current Experience with Farmers Insurance : Incorrect Billing

Reasons Farmers Insurance Was Picked Originally : Convenience, Customer Service Reputation

Farmers Insurance policy bought Online 12 to 36 Months after Online + Agent Comparison

Policy Coverage Includes : Damage to other structures and Personal Property damage or loss reimbursement

$2500-$5000 Deductible

Read all Lancaster Home Insurance Reviews
Home Insurance Rate of $170/3 months for $200,000-$250,000 Coverage

Current Experience with Amica Mutual Insurance Company : Confusing Website, Incorrect Billing

Reasons Amica Mutual Insurance Company Was Picked Originally : Convenience, Size

Amica Mutual Insurance Company policy bought through an Agent Less than 12 Months after Online + Agent Comparison

Policy Coverage Includes : Damage to other structures, Personal liability & financial loss coverage from litigation and Personal Property damage or loss reimbursement

$2500-$5000 Deductible

Read all Santa Maria Home Insurance Reviews
Home Insurance Rate of $160/2 months for $250,000-$300,000 Coverage

Current Experience with State Farm : Great coverage options, Great Online Experience, Clear Billing, Great Insurance Agent Support

Reasons State Farm Was Picked Originally : Convenience, Referral

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

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

$5000 to $10,000 Deductible

Read all Bakersfield Home Insurance Reviews
Home Insurance Rate of $490/6 months for $250,000-$300,000 Coverage

Current Experience with State Farm : Agent not helpful, Confusion in Policy Renewal, Confusing Website

Reasons State Farm Was Picked Originally : Stability

State Farm policy bought through an Agent Less than 12 Months after Phone comparison

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

$500 Deductible

Read all Visalia Home Insurance Reviews
Home Insurance Rate of $1390/5 months for $900,000-$1,000,000 Coverage

Current Experience with Allstate : Easy & consistent Policy Renewal, Clear Billing, Great Insurance Agent Support, Great Online Experience

Reasons Allstate Was Picked Originally : Stability

Allstate policy bought Online 12 to 36 Months after Online + Agent Comparison

Policy Coverage Includes : Medical bill payment for other people hurt on property, Loss of Use & living expense payment during home repair and Personal Property damage or loss reimbursement

$500 Deductible

Read all Santa Barbara 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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