Latest Home Insurance Research


Who are the best home insurance companies in the U.S ?

Choosing the right home insurance company is much more than picking a company offering the lowest premiums. Owning a home is a major financial accomplishment and one of the biggest investments you will make in your life. You must protect your investment by choosing an insurance company with the perfect blend of coverage options, financial strength and dedicated customer service. Although an affordable premium is an attractive option, it should never be the only option.

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Factors that Influence Home Insurance Quotes

When you apply for a homeowners insurance policy, the carrier’s primary concern is always the risk. Greater the risk of you incurring a loss and submitting a claim, higher the cost of your policy. That being said, there are some specific factors carriers look at that may influence your home insurance quotes. Some of them are listed here

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How to get cheap renters insurance quotes

If you rent a home or apartment, you may have heard of renters’ insurance, which protects your belongings in the event they are stolen or damaged under certain circumstances. Here’s everything you need to know about renters’ insurance.

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Nationwide Insurance, Lynwood, IL
Home Insurance Rate of $140/2 months for $200000-$250000 Coverage

Policy Coverage Includes : Personal Property damage or loss reimbursement

$1000-$2500 Deductible

Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 1840 sqft Primary Residence Constructed In 2004 with Linoleum, Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

See all Lynwood Home Insurance Quotes
American Family Insurance, Stevensville, MT
Home Insurance Rate of $410/3 months for $350000-$400000 Coverage

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

$2500-$5000 Deductible

Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Baths 2050 sqft Primary Residence Constructed In 2010 with Stone Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

See all Stevensville Home Insurance Quotes
Amica Mutual Insurance Company, Fortuna, CA
Home Insurance Rate of $740/6 months for $400000-$500000 Coverage

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

$500 Deductible

Policy Holder Home Details :

Home Value : $515,000

5 Beds, 5 Bath 4010 sqft Rental Property Constructed In 2014 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

See all Fortuna Home Insurance Quotes
State Farm, Asheville, NC
Home Insurance Rate of $160/1 month for $400000-$500000 Coverage

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

$500- $1000 Deductible

Policy Holder Home Details :

Home Value : $420,000

4 Beds, 4 Baths 3350 sqft Rental Property Constructed In 1943 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

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State Farm, Lawrence, IN
Home Insurance Rate of $340/4 months for $200000-$250000 Coverage

Policy Coverage Includes : Damage to dwelling & structure, Personal liability & financial loss coverage from litigation and Loss of Use & living expense payment during home repair

$500 Deductible

Policy Holder Home Details :

Home Value : $235,000

5 Beds, 5 Baths 2390 sqft Seasonal Residence Constructed In 2010 with Wood Flooring, Membrane Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, Fireplace, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

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Erie Insurance, Virginia Beach, VA
Home Insurance Rate of $520/7 months for $175000-$200000 Coverage

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

$1000-$2500 Deductible

Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Bath 1540 sqft Vacation Property Constructed In 1985 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Copper Water Pipes, Fire Extinguisher, 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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