Latest Home Insurance Analysis

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 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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Write Your Review & Learn to Save Money

How? Learn from other home insurance reviewers on how much they paid, what coverage they paid & what providers had the best coverage

Recent Home Insurance Reviews

Providence, Adrian, MI

$400 for 1 Month

It's great. We love it. Wouldn't change it even for a better price. If we were to get calls from telemarketers, we would just hang up because we like our insurance company. There is no need to call or send email as we are not interested in a ... Read all Adrian Home Insurance Reviews

State Farm, Omaha, NE

$1550 for 12 Months

State Farm insurance company is a nationally recognized company and with that comes pros and cons. Their rates seem to be a little higher than most other companies that I have looked at and I have considered switching to another company for several years. Their are two reasons I have ... Read all Omaha Home Insurance Reviews

Liberty Mutual, Minoa, NY

$63 for 1 Month

We bought our home for $149,000 in 2005. The house was built in 1972 and is wood with wood shingle siding. We have 2000 square feet, which includes 4 bedrooms and 2 1/2 bathrooms. One of those full bathrooms is a master bathroom in our bedroom. Our basement ... Read all Minoa Home Insurance Reviews

State Farm, Bloomington, MN

Agency : mark arens

$988.00 for 12 Months


Farmers, Virginia Beach, VA

$90.00 for 1 Month

With a home value of approximately $135,000, I decided to go with a basic package from Farmers, which covered mostly events out of my control such as fire, etc. The house is 2 bedrooms and one bath and was built in 1982. Because it is a brick home, the ... Read all Virginia Beach Home Insurance Reviews

Plymouth Rock, Sea Bright, NJ

Agency : na

$500 for 6 Months

I have a 3500 sf home in Rumson, NJ. There are not too many natural threats in the area, but we do have an occasional storm. We have very little crime and I live within a half mile of police and fire. My home insurer is Plymouth Rock and I ... Read all Sea Bright Home Insurance Reviews

Allstate, Arlington, KY

Agency : lowell king

$80.47 for 1 Month

I have had this insurance for a lot of years and never used it, but I feel it would be good if I did need it. The insurance agency has been helpful in the past when I needed them for other insurance. A couple of years ago, Allstate sent someone ... Read all Arlington Home Insurance Reviews

Cincinnati Insurance, Jonesville, MI

$1100 for 12 Months

I own a 3 bed, 1 bath, 1.5 story home in a small rural town worth around $52,000. The house itself was built in the 1940s, but I have only owned it since 2009. It is mostly a wood construction with aluminum siding with a Michigan style basement ... Read all Jonesville Home Insurance Reviews

Liberty Mutual, Palm Beach Gardens, FL

$870 for 12 Months

I highly recommend my home insurance company. They have qualified reps. who I can talk to whenever I have a problem or need a question to be answered. They offer price break to their customers as well. As a customer if you haven't made any claims within a period ... Read all Palm Beach Gardens Home Insurance Reviews

Erie, Germantown, OH

$755 for 12 Months

Erie gave us the best price for middle of the road coverage. I didn't want to have bare bones home owner's insurance but didn't need top dollar either. With Erie, I feel like I paid middle of the road for top dollar coverage. I feel confident that ... Read all Germantown Home Insurance Reviews