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

Delaware Home Insurance Reviews

So far I have not had any issues with the company. They have been efficient in helping me purchase the home insurance, and all correspondence that I have had with them has been kind in nature, and has left me feeling that I am in capable hands. I do hope that when it comes time to file a claim that I will feel the same way.

Wisconsin Home Insurance Reviews

I like that the company has a very friendly staff. I also like the coverage they offer me I'm very impressed by what they cover for $300.

Arkansas Home Insurance Reviews

There is nothing that I don't like about Allstate. They have made home ownership a breeze. I have nothing bad to say.

Texas Home Insurance Reviews

I hate that pretty much everything thjey promised me did not pan out the way they made it seem responses took forever and never cared.

North Carolina Home Insurance Reviews

Dislike that they raise my premium every renewal, even though I've never used them. I've had one encounter with them, and they didn't pay well and I felt cheated. Didn't like the person they sent out to evaluate either. Young, uncaring, unknowledgeable.

Nebraska Home Insurance Reviews

the over all review is this company is extremely good for the home insurance process

Tennessee Home Insurance Reviews

I like the feel of the company and how welcoming they are. They're also really relaxed and they don't pressure you into getting covered you truly don't want.

Colorado Home Insurance Reviews

the decline in customer relations. If I came onto the company now I probably wouldn't notice but I have been a customer for 15 years so I have experienced the decline it is frustrating.

Indiana Home Insurance Reviews

I think its more about the service that I receive from my agent as opposed to just saying I like the company. The service has made the difference in tailoring a policy to my need. Finding out what is the best way to maximize coverage and not spending too much money either.

Arizona Home Insurance Reviews

Sometimes they treat the wealthier clients with more respect if there is a problem with the account. Other than that they are a good overall company.

Maryland Home Insurance Reviews

The first thing I liked about State Farm was their professionalism. I think the world of our agent and his team. I also find that the customer service representatives are extremely helpful, but don't over-step. If they cannot answer a question, they direct you to your agent. I think the prices are very fair, not nickeling and diming us to death. I wouldn't change insurance companies for either our cars or our home.

Ohio Home Insurance Reviews

Overall I love my insurance company and would recommend it to everyone looking for insurance.

Missouri Home Insurance Reviews

The process is extremely seamless and the pay is affordable. There are multiple pay options as well just in case someone does not have the means to purchase the whole policy out bright in the beginning.

South Carolina Home Insurance Reviews

What I like about the company is everything that covers me and its quick response at the time of an adventure

Latest Home Insurance Reviews

I love Allstate Insurance for all my needs especially homeowners. I feel safe knowing i am in "good hands" with them.
State Farm
I would say because they do have some good deals and if they can save me money that's a good thing. plus I have been with them for 10 years now
Liberty Mutual
I have had no issues with the company. I have file one insurance claim and I felt they responded in a timely manner and payment was made onsite.
State Farm
I like the lady who services my policies, some of which are very complex.
I love AAA. They are great to deal with and have always been a great help when we need them . I have been with them for 15 years and don't plan on switching any time soon.
I liked that I do not owe very much because they do not charge extra fees. I like how I am familiar with this company and i trust them.
Liberty Mutual
The application process was quite straightforward. After I had been given a policy, a person called to answer any questions I had. That was really nice. The policy was also quite competitive, financially speaking.
Erie Insurance
Erie has went above and beyond to help us with our home insurance. If we need anything they are only a phone call away.
Tower Hill Insurance
I like this company because that she and all her team have been very receptive and exhaustive with the monitoring of my safety. They have had a very competitive policy throughout the process. On
State Farm
I like the company because the people in the office are responsive and are willing to go over my rates to be sure I am paying what I need to.
They are the best place for military servicemembers and veterans to get insurance. I use them for my car insurance and home insurance and have great rates with excellent coverage. I was able to get much lower deductibles at an affordable rate with USAA over any other insurance company, and they have so many discounts because of my prior service and length of accounts. The customer service is amazing and I would recommend them to anyone who is eligible to join.
I used to work at the company so they gave me a good discount. Also they have cheap rates for my area, so it made sense.
I love that a representative is there when you need them for a claim. They come out right away.
I love allstate is always on my side. Even when something does happen or I have to put in a claim they have not raised my rates! This is awesome because most companies do.
Grange Insurance
I think Grange is a great insurance company to work with. They have exceptional customer service and they are very quick to process claims. They are always communicating with their customers. I would highly recommend Grange Insurance.
When I bundled my vehicle insurance and home owner insurance it became cheaper. I have asked for quotes from other companies and they can't give me a cheaper price. This is why I like my insurance company.
State Farm
I am so satisfied with this company. I have always been given an answer right away and I am always pleased with how well they handle my questions.
Assurant Specialty Property
I like Assurant because of the user friendly website, lowest rates, and excellent customer service.
Absolutely, no complaints here. Very competitive in prices for what they offer.
State Farm
I really like my agent who seems to really care about protecting our home. I could pay less elsewhere, but I feel that State Farm is reasonable and will try to work with us if we had a valid claim instead of automatically denying our claims.