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 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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Latest State Home Insurance Reviews

Washington Home Insurance Reviews


for me this company does not have anything bad everything seems very good

Texas Home Insurance Reviews


I don't have any dislikes except I pay by EFT so that doesn't give me much chance to go to the agency personally.

Louisiana Home Insurance Reviews


i dislike the price. it is fair, however, i hate paying for any kind of insurance. it basically gambling and ive never been much of a gambler

New York Home Insurance Reviews


USAA has been there for us through active military service and now veteran status. The service has always been top notch fro the accidental overdraft to the renter's insurance claim for a house fire.

Pennsylvania Home Insurance Reviews


They have become a family to me a family who would take there time with you and won't give you the wrong end of the deal but give you just what you need

Virginia Home Insurance Reviews


I am very happy with my insurance company. Overall I have a great experience and have received great customer service from my insurance company. It is a very good relationship for me and it works nice and smooth.

Alabama Home Insurance Reviews


I like the pricing offered and the coverage. I also like that it is a locally owned business and located in my town. It is easy to get in contact with someone whether by phone or going to the office.

Illinois Home Insurance Reviews


I like that they were able to give me the coverage I was needing at a price that beat everyone else. I want to have what I need, but at the lowest price, so this makes me happy.

Michigan Home Insurance Reviews


I think they are a good competitive company that would only get better if they improved their technology on their website.

Georgia Home Insurance Reviews


I am very thankful for the opportunity to save money on my premium without sacrificing any of my coverage. The agent and the employee that handle my policy are professional, kind, courteous and knowledgeable. It genuinely feels like they have my best interest in mind.

Arizona Home Insurance Reviews


What I do not like about the company is that it raises prices very fast and delays

Minnesota Home Insurance Reviews


The company is great. I haven't experienced anything bad about this company. I am very happy with everything that I have dealt with.

Kentucky Home Insurance Reviews


I like it because it is very open and offers good quality benefits and it is not very expensive.

Oregon Home Insurance Reviews


The only thing I may dislike about either company is the premium and coverage. There could be better, more intensive coverage with a cheaper premium but I won't that until I get quotes.

Latest Home Insurance Reviews

State Farm
State Farm can help you protect the people and things you value most. The Company, State Farm is one of the most reliable insurance companies in the whole country
State Farm
State Farm is a very good insurance company both for home insurance,renters insurance and of course your car insurance. They do any claims fast. and then you can get back to your life.
Allstate
I like how it is a cost-effective solution and customer service representatives always seem to have an appropriate answer for me
Erie Insurance
Erie has been reasonable on rates and accurate on amount of coverage for the twenty years we have used them.
Progressive
My agent was available when I need him. He was willing to advise me and honest about each options.
Travelers
Travelers has amazing claim service, fair payments and quick response time. During Hurricane Sandy they were inundated and still got to me and paid my claim within 3 days.
California Casualty
this insurance company had by far the lowest homeowners insurance rate on the market when I was looking. Additionally they provide coverage that no other insurance company would provide at this price point.
State Farm
State Farm is super friendly, they always answer and I get to directly talk to someone local. I always love the price.
Progressive
They are easy to work with and their website is easy to navigate. We also get a discount on car insurance by bundling.
American Family
It pay for damage also including piping,electricians and other damages
California Casualty
As a company, I have never had any issues with claims and communication when I need something taken care of. Additionally, they have affordable prices that cater to first responders.
Mapfre Insurance
Price is good. Coverage prices are amazing. We are fine with the price and quality of it. Never had to file a claim but things are great right now.
Allstate
It pay for damage also including pieing,electrical burst and other damages.
Nationwide
The company provided better coverage in an affordable price. The policy is easy to understand and the agents are very helpful to answer any queries.
Allstate
My insurance agent takes the time to help me understand my policy and periodically contacts me to review it. I feel like she really cares about me and my family.
Travelers
I would give them a 3. Our agent is nice and professional. He tries to take care of us, but lots of things are out of his hand
Universal Property & Casualty Insurance Company
I like that they have a local office 7 miles away and not the other side of the country. If I have a problem, I can go over there and speak with the agent.
State Farm
I like the fact that my insurance company is well known, great benefits, affordable rates and provides other types of insurances that I can bundle together.
American Family
Best place to have insurance, period. All of their forms are simple to read, the agents are knowledgeable and understanding too! The fact that they can delay a portion of your down payment is also helpful. Wouldn't go anywhere else! Thanks Americus, for being awesome.
Farm Bureau
The people are very nice and do a good job explaining what my options are. When I have an issue and need to get in touch with them, they are always quick to respond