State Farm, Grantville, GA
Home Insurance Rate of $730/10 months for $300000-$350000 Coverage

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

$5000 to $10,000 Deductible

Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Bath 3180 sqft Primary Residence Constructed In 1997 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

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Nationwide Insurance, Fort Scott, KS
Home Insurance Rate of $850/6 months for $125000-$150000 Coverage

Policy Coverage Includes : Personal Property damage or loss reimbursement, Loss of Use & living expense payment during home repair and Damage to dwelling & structure

$1000-$2500 Deductible

Policy Holder Home Details :

Home Value : $145,000

5 Beds, 5 Baths 2160 sqft Vacation Property Constructed In 1981 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

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Liberty Mutual, Winchester, TN
Home Insurance Rate of $30/1 month for $100000-$125000 Coverage

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

$2500-$5000 Deductible

Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Baths 1890 sqft Primary Residence Constructed In 1984 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

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Chubb Group of Insurance, Muldrow, OK
Home Insurance Rate of $1930/5 months for $125000-$150000 Coverage

Policy Coverage Includes : Medical bill payment for other people hurt on property and Loss of Use & living expense payment during home repair

$1000-$2500 Deductible

Policy Holder Home Details :

Home Value : $135,000

5 Beds, 5 Baths 2440 sqft Primary Residence Constructed In 1984 with Carpet over wood flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

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Liberty Mutual, Monument, CO
Home Insurance Rate of $1170/6 months for $400000-$500000 Coverage

Policy Coverage Includes : Medical bill payment for other people hurt on property, Damage to dwelling & structure and Damage to other structures

$500- $1000 Deductible

Policy Holder Home Details :

Home Value : $360,000

4 Beds, 4 Baths 2540 sqft Vacation Property Constructed In 2010 with Wood Flooring, Composition Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

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American Family Insurance, Bolingbrook, IL
Home Insurance Rate of $1270/7 months for $500000-$600000 Coverage

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

$1000-$2500 Deductible

Policy Holder Home Details :

Home Value : $605,000

5 Beds, 5 Baths 4990 sqft Vacation Property Constructed In 1973 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

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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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