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

Nebraska Home Insurance Reviews

A few years ago I have some damage in my backyard and the company was extremely helpful and I loved how easy it was to solve my issue.

Texas Home Insurance Reviews

Everything has been good so far. I shopped all the major insurance companies in my area and Esurance offered me the best deal.

Florida Home Insurance Reviews

There really isn't much wrong. I am not a fan of the cost and coverage that I receive but that is not much that the company can do about that.

Ohio Home Insurance Reviews

Good and very nice people. Not too expensive, the cheapest that I could get in the area. Also quick with claims and reasonable.

Indiana Home Insurance Reviews

I am very satisfied with what I pay for the coverage and peace of mind I receive. I would not care to go anywhere else anytime soon. They have always been there for me when needed.

California Home Insurance Reviews

State Farm is a very stable company. Especially for a homeowners policy I have no interest in a fly by night company or anything particularly "innovative".

Delaware Home Insurance Reviews

I like a lot of things about my insurance company such as the multi-policy discount for having an auto policy and also having a life insurance policy.

Tennessee Home Insurance Reviews

What I like the most about the company is their attentiveness to our needs. We always feel like we are treated as very important and a high priority.

Minnesota Home Insurance Reviews

So far I have been very happy with this company. Service has been outstanding and the rates seem to be pretty competitive

North Carolina Home Insurance Reviews

I like my insurance overall. I have never had to file a claim. The communication I receive is adequate for my needs.

New Jersey Home Insurance Reviews

They are attentive to my needs, offer great coverage and affordable premiums, and they just seem to really care about my needs as a homeowner.

Virginia Home Insurance Reviews

They hit the sweet spot in terms of price and performance for a company. I'd recommend them to anyone.

Wisconsin Home Insurance Reviews

The ease of fetting insured and the fact that they do not bother me with unnecessary surveys and questions.

South Carolina Home Insurance Reviews

I like how friendly and helpful all the employees are, they are good at their job and try to offer you the best rates. They let you know when and if a discount is available.

Michigan Home Insurance Reviews

I have never had a bad interaction with state farm. I have been with them my entire adult life. Everyone is friendly.

New York Home Insurance Reviews

They offer good coverage for a decent price. They have always answered any questions I have and are always nice to deal with. I wish my payment was a little bit lower but overall they offer coverage in the event something would happen to my home.

Colorado Home Insurance Reviews

Usaa is trustworthy and ethical. 2 things that aren't often found in business. I made sure when my children were born that they got usaa numbers of their own so they'd be able to use the services for life. I think that speaks volumes.

Kentucky Home Insurance Reviews

I have always been treated like a valued customer and never had any issues that were not resolved in a timely manner. They are veterans and active duty military friendly with ability to be flexible with many situations civilians are unaware of or able to handle

Maryland Home Insurance Reviews

Again the best price around for condo insurance and they understand my needs on what I need for insurance and their office is two floors above my condo in the same mixed use high rise.

Georgia Home Insurance Reviews

they work with me on payments and are so personal to me. they know me by name and welcome me to come in whenever I have a concern

Alabama Home Insurance Reviews


Washington Home Insurance Reviews

I don't know a lot about home insurance, so it's hard to know how good of a job they are doing. But they did a fair job with our claim and gave us a good deal to begin the policy, so overall I am moderately satisfied.

Missouri Home Insurance Reviews

I am pretty satisfied with my insurance company. I will say that if we got better rates somewhere else we are not married to our company. We usually look for the best rates and the best premiums and go with that. If at some point in the future we find someone who will do anything to help us out then we may stick with them despite being a tad more expensive, but at this time in our lives we are more concerned about cost.

Illinois Home Insurance Reviews

I like that I have my own agent who I truly believe has my best interest at heart. I do like the web interface as it makes life easier and it is super easy to use.

Nevada Home Insurance Reviews

I like how available and proficient USAA is. They have really kept their technology tempo up to speed. Everything is really easy.

Louisiana Home Insurance Reviews

I like most likes about the company. The insurance both home and auto have been good as far as I can tell.

Arizona Home Insurance Reviews

They have been friendly and easy to work with. They don't seem to raise my price which is a big thing for me. They always answer the phone when I call and are easy to talk with and ask questions of. I feel we are getting a good service for a good price with this company.

Oregon Home Insurance Reviews

I like everything about State Farm. They have great rates, friendly and knowledgeable agents, and are quick with claims. They have a very wide variety of insurance products and are very good at explaining them very simply.

Latest Home Insurance Reviews

I have no solid complaints regarding this company; however, i would prefer a more succinct break out describing what exactly is covered versus what is not.
American Family Insurance
My insurance company offers the best services that anyone could wish for. whenever a problem arises, the company is always ready to help. i love the company so much
I do not like the automated system i have to use to call them. if i call during peak hours i can be waiting to talk to a real person for up to twenty minutes at times.
I also like that our insurance company has amazing customer service and is very eager to help and solve any issues you may have as quickly as possible. their email and paper mailing communication cannot be beat in regards to any changes to our policies.
If you make a claim, you will pay for it in the long run, they will raise your rates.
While, i have yet to file a claim, looking at both their website and on the app it appears to be an incredibly easy process.
My home insurance costs a lot of money. it is mandatory that i have it because of the mortgage. i didn't file a claim yet. the terms and conditions of the policy are long and difficult to read.
All State
I really like that my homeowner's insurance has easy to understand deductibles.
Citizen Home Insurance
My insurance company is very large and sometimes impersonal. it takes a while for the agents to get back to you
State Farm
In the past the prices had always been fair and they never tried to up sell us or threatened to cancel us.
I like that they offered me the same amount of coverage as other companies that i got quotes from for a much lower price than the competitors.
Right after hurricane harvey, i got an email from allstate that was supposedly about telling people who might have been affected about how to file a claim, next steps, and who to contact for emergency services. about halfway through the email, it switched to being more of a sales pitch, as in "and if this doesn't concern you, now is the time to think about your level of coverage and if you would need more if flooding happened to your home"....or something to that effect. it was a shameless, poorly timed attempt to sell flood insurance rather than a true attempt to reach out to victims of the disaster. it was as distasteful as trolling funerals to try to sell life insurance to the family.
All State
One last point that i would like to make about all state is their advertising. based on what i have seen, i don't believe their advertising truly matches up with what they are like in person.
It takes forever to get a claim settled. i had a roof blow off from wind, it took over a month to get someone to come look at it. i got a new roof, but it was slow.
Farm Bureau
Another one of my favorite things is that as we worked to write a policy together for our home, i believe that she helped find the best fit for us while paying the least.
I don't know of any local offices in my area for my insurance company.
Cincinnati Insurance Co
-the have been prompt in handling a home claim i had. they paid for my entire roof replacement with little complaint or trouble.
Farm Bureau
I don't like that every few years we get a new agent. they never tell before this is to happen, it just does. the old agent should reach out and let us know he is leaving and introduce us or let us know who our new agent will be.
Geico is a very good company because they have great rates and very good customer service.
I do not like that metlife did not provide additional discounts for the features that i added to the house to make it more "secure" and "safe".
Liberty Mutual
I really enjoy the benefits they have given to us as long-time customers, they are very attentive and reactive whenever we need to contact them about questions or issues.
I guess i could say i wish their premiums were a little lower, but they are right with industry standards
Erie Insurance Group
I like how affordable they are. they have some of the best prices around and are usually very hard to beat compared to the competitors.
State Farm Insurance
Calling into normal customer service is impersonal and wait times can be long. csr's often don't know your policy or seems like they are guessing at certain things.
I also like that our insurance company has amazing customer service and is very eager to help and solve any issues you may have as quickly as possible. their email and paper mailing communication cannot be beat in regards to any changes to our policies.
Liberty Mutual
High premiums bad customer service not available nationwide
I like this company's regular updates by post regarding my policy and their continued collaboration with my (local) mortgage company.
State Farm
I am also less than satisfied about the insured value of my home. i understand that it may be comparable should a rebuild be required due to damage, but the home is not insured for the cost that i paid to purchase it.
I notice that whenever other companies advertise how their rates stack up against other companies rates, they never compare against aaa. that tells me aaa rates are quite competitive.
Tower Hill Insurance Group
I don't like that sometimes they seem to be a bit pushy with calls for an upgraded program and this is something that i just hate about any company.
State Farm
My agent along with the 24 hour line for any issues in regards to my insurance policy or emergency are always available to help and also make changes if necessary.
Farm Bureau
I like farm bureau insurance as a whole. i don't like the current agent in our area because i find him unresponsive to mid-size and small insureds. it always seems like i'm bothering him and that in the end, he doesn't handle my policy in the best manner for me.
I like that my company is willing to work with me and my lifestyle to find the plan that works best for me.
Country Financial
I don't like paying money at all to cover my car. i rarely ever use the car and they know this as i fill out a yearly questionnaire. i have a car that is 13 years old and they didn't mention to me that i should drop my higher coverage since the car was so old. i did it myself after a friend mentioned that to me.
I also like that they provide comprehensive coverage, meaning that they also provide renter's insurance for when i rented a house separate from my primary home and also car insurance. they appear to pass reduced costs to me. they also provide other services. they have a mortgage service and they also have financial services.