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 ...

Continue reading

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.

Continue reading

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

Continue reading

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.

Continue reading

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 ...

Continue reading

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 ...

Continue reading

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 ...

Continue reading

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 ...

Continue reading

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 ...

Continue reading

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 ...

Continue reading

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 ...

Continue reading

Latest State Home Insurance Reviews

Virginia Home Insurance Reviews

I have never had problem with them. They always have a quick turn around.

Missouri Home Insurance Reviews

I liked being able to bundle my car and home insurance and getting my car insurance discounted.

Virginia Home Insurance Reviews

Previous positive history. Combines with other products for discounts. Known for their service.

Wisconsin Home Insurance Reviews

They have always come through when we needed a repair of any kind to the house, which I am very very pleased with and would recommend to others looking for a policy.

Alaska Home Insurance Reviews

Above the insurance company was the one of the most excellent insurance company in the america. Good cutomer service, speed process, easy to access, etc., is the benefits of the above insurance company.

Michigan Home Insurance Reviews

I think the rates are a little high. I have checked other companies though, for the same coverage that I have now, all other companies rates were higher than what I pay now.

Oklahoma Home Insurance Reviews

We referred at least 5 or 6 people to The Grange and all got a policy with our agent. He didn't acknowledge the referrals.

South Carolina Home Insurance Reviews

i like the amica home insurance company.i like the company gives a lot of useful things to built a home.

North Carolina Home Insurance Reviews

I love that they are so proactive and they will message me about whether or not I will need assistant. They also verify who I am and they will greet saying hello Miss how can we help you, let's get someone out there to survey any and all damage. Do you have pictures of the items that were damaged. They are so good about everything and I am grateful for them.

Texas Home Insurance Reviews

Theh website is very modern and easy to navigate. You can print any insurance cards you need off the site.

Latest Home Insurance Reviews

American Family Insurance
I'd put at a one. I have no dislikes from this company. One time my renters insurance lapsed and I didn't have it unknowingly for a month. That was a bit upsetting.
Safeco Insurance
I don't like that they raise the premiums without much warning. It only goes up by a few dollars at a time, but I still know that it all adds up in the ed and i don't know why my premium has gone up when I haven't made a claim.
Liberty Mutual
If there was one thing I'd say, I would be unsatisfied with the premium I had to pay for establishing service with Liberty Mutual.
We had a problem with our Auto insurance one time, regarding a payment after removing a vehicle from the policy, and no one in customer service seemed to care to help, at all. We had to complain to higher people to get anything accomplished.
State Farm
I do not have much to dislike about them. I mean I wish their prices could be lower but they were the lowest I found in general. They just still seem to be high.
AAA for me is a good insurance company but my biggest issue with this company is that they will bombard you with a lot of mail.
I dislike how much mail they send me. I wish I could recieve E documents instead of paper ones.
Auto Owners Insurance
Our initial agent for Auto Owners lost their qualifications to write business with the company. The new agent had to rewrite our policy instead of taking over the existing policy.
I dislike the car insurance bundle they try to force on you. It feels a bit overpriced to me.
Farmer's Insurance
The company inspected our house prior to enforcing our policy without our notice. They later determined we needed to do a repair that cost us several thousand dollars before our policy could be in force.
State Farm
Sometimes they try to talk me into buying car insurance also, but the car insurance is over priced.
The pricing for plans is a little high. and the on line chat support could respond faster than they have. call support is slow too. sometimes they dont get the issue fixed.
I did do my homework about the company and I have been seeing a lot of complaints and that makes me kinda worried. I hope those issues got resolved. I don't look forward to going through the back and fourth
I currently do not dislike any aspects of the company and have no complaints in my three years with them.
The Hartford
They charge a fee for making payments on your policy unless you pay the total in full. They dont seem to offer any type of discount if you go without a claim.
Auto Owners Insurance
I am not aware of any good website features or an application on my phone that I could use to make my time as customer easier.
National General
They didn't respond quickly to my emails asking for some clarification and confirmation, which makes me a bit uneasy. I hope I never have to file a claim but if I do I am not completely sure of how responsive they would be.
Farmer's Insurance
I can't think of anything wrong with my insurance company. They are the best! So far there have been no issues at all!
The rating I would give is a for our insurer. We were well pleased because did not need to come out of our pocket for our roof.
There is not agent currently assigned to my account. The office I signed up in has had 3 people in the past 3 years and is once again sitting vacant. If I need help there is not a local person to help me make a claim I have to call a 1-800 number.
State Farm
They tend to send too much junk mail from our agents office, as well as offers from other Statefarm agents.
Farmer's Insurance
Price is a bit steep, and the coverage does not cover certain common damages that is present in most homes. Slow communication.
I disliked that my neighbors that had roofs that were damaged in the same storm got the run around after the roof was inspected by a different person than the one that saw ours.
I disliked the fact that they do not offer plumbing back-up coverage yet. It will be available in January, 2019.
State Farm
In this company there is some technical issues were found sometimes. Otherwise there is no dislike in this company.
There is noting bad to say about our home insurance company they have so far been absolutely wonderful
I liked the price but the sent someone to inspect my house. We just got done rebuilding the roof so there was debris which I understand is a hazard but the also listed peeling paint as a hazard.
I dislike going through a progressive because they make me mad on the car insurance side of things. It makes we want to switch companies just for that reason. They always change my rate and it's frustrating.
Farmer's Insurance
They tried to sell me life insurance and really did not sell me on the idea, seemed more like a money making adventure on the life insurance bundle
I am satisfied. Haven't had to file any claims yet but I got them to lower my monthly payment
Only thing I did not like was that I thought the adjuster did not look the house over in detail because there was a lot of damage from hail and we thought we would get more back.
These are pieces of human filth incarnate who will expressly waste your time, lie to you, and generally treat you like you're not worth their time. This company doesn't fight for you. They just want your money
Farmer's Insurance
They were slow to grant me online access. Also, they changed the amount of the insurance the day before closing.
State Farm
Their website is hard to navigate. It's also difficult to find details of our home insurance policy, like what is covered and what isnt.