The Places Most Likely To Be Impacted By Trump’s Paris Accord Withdrawal

We closely monitor the impact of climate change on home insurance rates & as a result we analyze many disparate data sources including Census data, NOAA’s sea level riser data & TIGER shape files. The current publicly available data to understand the impact of rising sea levels & climate change is a census designation of coastal counties. However, just because a county is designated as coastline does not mean that all places within the county are adjacent to the coast & most impacted by rising sea levels.

We went one level deeper & studied census tracts within coastal counties & analyzed which census tracts were ...

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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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Considering a Tesla Solar Roof? Here’s How it Will Impact Your Homeowner’s Insurance

The clean energy movement is a buzz with its latest breakthrough: The Tesla solar roof. Unlike bulky solar panels that jut out of your roofline and call attention to themselves, the Tesla solar roof is made of smooth tiles that look like a regular roof – some would say they’re even more aesthetically pleasing. They collect energy from the sun and store it until your home needs it, eliminating the need for electrical power from another source.

Consumer interest in these revolutionary roofs is off the charts, but companies that provide homeowner’s insurance are a little more dubious. The ...

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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 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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Latest State Home Insurance Reviews

Washington Home Insurance Reviews

I cannot think of anything disappointing yet. I guess they only thing I can think of is that insurance is expensive in general and I wish the whole system didn't exist. But that's impossible.

Delaware Home Insurance Reviews

It satisfies the requirement that we have insurance, and hopefully, they would come through if we did have catastrophic damage, but I don't know. I don't have faith that they would or wouldn't.

Florida Home Insurance Reviews

I like that I am always treated like a person, rather than a number. They always seek to provide excellent customer service and they have never been rude or unhelpful. All that and they have the lowest premiums.

New Jersey Home Insurance Reviews

The only complaints I have ever had is about the mobile phone app. It never loads correctly and sometimes just closes itself out altogether in the middle of doing something.

Louisiana Home Insurance Reviews

Our current insurance with State Farm has never given us any issues or surprises. They are super friendly and knowledgeable and seem to cover more than previous insurance places and I really love how much they seem to care about providing us with great service.

Tennessee Home Insurance Reviews

I really like Allstate they are probably in my top 3 choices of best insurance companies I have ever dealt with and plan on sticking with them for the rest of the loan on my home

New York Home Insurance Reviews

there is nothing at this time that I do not like about the company. the website is easy to use, the billing is handled by automatic payment so I have no issue

Pennsylvania Home Insurance Reviews

I like the premium they give me. I also like how courteous they are and how helpful they are. The website is very easy to navigate as well.

Virginia Home Insurance Reviews

They could have allowed me to claim storm damage to the home even though I was not living at the home at the time. It wouldn't have cost them much to make the few repairs I needed to be done.

Colorado Home Insurance Reviews

The company makes an effort to be price competitive. The bundling pricing is attractive. Having a dedicated agent is good. I have dealt with the same office staff of two assistants for about 24 years.

California Home Insurance Reviews

Statefarm makes you feel protected while still giving the appearance of being a small hometown company. I am able to call my agent at any time and reach him. Not a call center or secretary promising a call back that never comes.

Alabama Home Insurance Reviews

I love the customer service. They always try to go above and beyond to help. They are always sincere to my needs. They always try to help the best they can. They are polite and courteous.

Illinois Home Insurance Reviews

They seem like they have a good reputation. I have had various insurance policies with the same company over the years, including auto. I'd expect them to pay out if the need ever arose.

Indiana Home Insurance Reviews

The only concern that I have is they need more discounts for seniors and special rates for persons who have not made any claims I over 15 years

Arizona Home Insurance Reviews

So far there's nothing I dislike about the company is genuine and good.

Maryland Home Insurance Reviews

The website experience is disappointing, but more frustration comes from the customer service experience, specifically in reaching my assigned representative and getting answers. I can only imagine the aggravation it's going to be should I ever need to file a claim. Hopefully, the lack of communication and response now are because my issues and questions have not been severe.

Ohio Home Insurance Reviews

I like the company because of the size of the company. A company this size is solvent and too big to fail If there ever was a problem with claims the government would have to pay.

Missouri Home Insurance Reviews

The experience with the selling rep not returning my calls after he made the sale makes me unhappy. I know its this person's job to sell, but even a return email would have been nice.

Minnesota Home Insurance Reviews

I don't know that I have much to say here. We have only dealt with them a handful of times, and each time it worked out with no issues.

Michigan Home Insurance Reviews

There really isn't an easier company to do business with in my opinion. Hurricane Irma caused extreme damage and anyone who had Foremost was especially pleased with their claim. Not so much the other guys. I always say you get what you paid for. If you go with a company who charges 1/3 the premium of Foremost, then they are going to pay your 1/3 the claim amount. With Foremost, you pay higher premiums, but when you need them to pay the claim, they do so and at full value. They don't nickel and dime you to death.

South Carolina Home Insurance Reviews

The company has been around for a long time and seems to be very solid. I like the agent and his office. To me, it is all about the relationships.

Oregon Home Insurance Reviews

The company is one of the most professional and prestigious in the country, itself is very efficient in what

Latest Home Insurance Reviews

Liberty Mutual
I think their premium is a little high considering that I have several discounts applied to that premium. I think they could do a better job with pro-active communication to see if any needs have changed.
Homesite Insurance
We have been with the same company since 2002. I don't really have any complaints about them. I even have the same woman that Has always worked with me
I don't like that they keep raising my rates.
State Farm
I dislike that the app still takes some time when it comes to navigating throughout the various options of account details.
State Farm
Really the only negative thing I don't like about the company is the mobile app, it's difficult to navigate to the point where I just deleted the app from my phone altogether.
Liberty Mutual
I have a sneaking suspicion that with my rate increases each year, I might be paying a little more than I have to, and like mentioned, it's probably time for me to shop around and compare rates. I'd be more happy with the company if they didn't raise my premium. I don't know how realistic that is, but as somebody who's bill is always paid on time and has never filed a claim, I feel like keeping my rates steadier would be a nice reward.
Farmer's Insurance
Nothing at all! They are amazing in every sense of the term. I would not even consider a different insurance company.
How they handled our car accident. Both of us were USAA clients but they sided with someone in the wrong lane. It was an unfair advantage but they followed a ticket that was false and a judge dismissed the ticket for lack of evidence.
State Farm
I don't like speaking with a person who is not well-versed in the business. I don't like waiting days for a response.
Security First Home Insurance
They are a bit old school and do not offer some of the up to
Homesite Insurance
that apps and another tech that the major national carriers offer.
Fremont Home Insurance
it takes sometimes late service.
State Farm
I dislike that I cannot make coverage changes on my own on their website and instead have to call customer service.
The companies have sub-par customer service and really needs to update their technology for younger generations.
State Farm
nothing really, wish it was cheaper but then you might get what you pay for.
Horace Mann Educators Corporation
I think the premiums could be a little lower. Additionally, whenever I have an issue, it can be difficult to get a hold of a representative to have a real conversation about what I need.
Pekin Insurance
I wish I had a bit more communication from them and I also wish I could access a website portal that had all of my info, like some of the big insurance firms would have.
I have not interacted much at all with the company and have not filed a claim. There really isn't anything to dislike at this point though that may change in the future,
State Farm
The things I dislike about my insurance company are the cost of the premiums relative to what I receive for them. I also dislike that the only services you can receive an online quote for are the major insurance purchases such as homeowners, auto, boat, etc. It would be nice to add online quoting for other services such as umbrella insurance.
What I dislike is the sheer amount of fine print and exclusions. If I'm buying insurance I should be able to simply "buy insurance". The only exclusions should be for illegal behavior such as fraud on the insurance company. I wish they would keep it simple like an umbrella policy.
The price is too high, especially when I've been paying this company all these years, never made a claim and the premium keeps going up.
American Family
There really is truly nothing that I dislike about the company. I do wish the premiums were less, but again, I think they are average for my area and I do get a discount because I also have them for my car insurance.
State Farm
I dislike the fact that the insurance always goes up a significant amount every quarter. I dislike even more their ability to send me the bill as well as my husband.
They have always been nice, rates haven't increased over the years, they are a reputable company in the industry and provider low deductible options. Plus I can spread out my annual premium in monthly payments via escrow.
I like the coverage this company offers me, the good attitude of the customer service department and the price of the premium which I believe is very fair.
State Farm
The staff and the back office are able to help me feel confident about using their services. They have always provided me with the proper advice given the situation.
They seem like a good company that stands behind what they sell. They didn't try to get out of paying my water damage claim and were very efficient about it. I like that the company sent someone out who identified with me as a homeowner and was likable
I like that they have provided me with the comfort of knowing that my belongings and shelter are going to be protected if anything bad happens. I still don't have too many problems that require a claim but if they ever happen, I am sure I can rely on Geico to cover them, as they have done an amazing job with providing me with auto insurance over the past 12 years.
Overall, I like that Allstate has an excellent reputation, and from what I have been told, sets the industry standard. I like that I am not just paying to have insurance on paper and that they have a reputation for being there when you need them.
I like how the company keeps me updated on all of their news and they have an easy to use the app. Also, the price is excellent!
State Farm
I think State Farm is a top of the line company. I like their rates and I like the agent and his staff whom I have worked with. They are efficient and I feel I certainly get my money's worth. Not having to use the insurance would be fine, but it is there in case anything happens.
State Farm
Overall my company has been good to me and has made sure I have appropriate coverage. Rarely they put me in a bad spot and almost always have made sure I am well taken care of across the board.
Overall, I feel safer just knowing that my house is insured in the event of a loss. I really hope that I never have to use it.
Allied Insurance
They offer good insurance rates, good customer service, don't lose or misplace claims, and will work with you to get your home fixed up as needed.
I wish that we could get comprehensive insurance for our property but we have no choice but the insurance company we have.
Farmer's Insurance
I feel like they are offering good coverage for a price that is reasonable and fair. I feel like they are straightforward when dealing with customers and don't constantly try to upsell.
State Farm
overall I am very happy. insurance companies aren't the easiest to deal with and its always a bad thing when you have to file a claim. but they are good
The company has been great overall. I love my home insurance. I don't have to use it very often, but when I do, they are there when I need it. The pricing is low, but not too low where I'm thinking it's too good to be true. I would suggest other people use All-State.
Liberty Mutual
I like that they offer annual policies on both auto and home. Most other insurers that I was interested in only offered 6-month policies which I didn't like and was more expensive than annual policies.
The company is friendly, helpful, professional, affordable and overall positive. If all of my interactions with every company were like this I would be very happy.
The online options, including payments. The auto-pay options, the discounts offered. I like that all my policies can be with the same company and I am rewarded for being loyal over time.
Overall I would say that Mercury has been a very good insurance company to have. I don't have many complaints and I have thankfully not had too many claims. Cheap insurance without being cut-rate service is great.
I like AAA a lot, we pay fair insurance and I love their road-side assistance service for when your car runs into a problem on the road, they are always there within 20 min. I also like that you can pay DMV things at AAA.
I really like Allstate. They have a good long standing reputation, with great homeowner coverage and prompt service. The low prices are fantastic, will be a long-term customer.
I really like AAA, and that is why I didn't really bother calling other insurance companies to get additional quotes on home insurance. I like their car services, car insurance policy, available locations, and customer service.
I like the kind overall, they have been very helpful and after the long period of time, my insurance has become much cheaper than when I originally bought it. I think customer service is fantastic and easy to contact.
State Farm
I like how professional they were on the phone. I like how fast they had someone come to our home and give us an estimate. I like how quickly we could get our roof fixed.
State Farm
Very friendly and helpful. I love that I can take care of everything via the website and that I don't have to go into an office. The best insurance company I have had.
People's Trust Insurance
They are very consolidated and maintain a good reputation
Liberty Mutual
It can be really good or really bad. Depends on which day you call. Overall, the company is pretty good. I've used other companies in the past. They are all about the same. I am not opposed to switching if I find something better.
People's Trust Insurance
I am satisfied with them because for me the price is right. Their customer service is great as well which is a plus in my book. I have used them for 5 years now and feel like I will continue to use them.