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

Florida Home Insurance Reviews


Since we are going through USAA due to my parents was in the Air Force we are getting greater coverage than other insurance plans. Thus, I am very satisfied with it.

Louisiana Home Insurance Reviews


I switched from another company and am saving over $400 a year for the identical coverage. I am very pleased with the savings and hope to never have to file a claim.

North Carolina Home Insurance Reviews


I have shopped around but this is the best deal when it is bundled with the car insurance. They give good discounts when you do this and it will save you money in the long run.

Tennessee Home Insurance Reviews


So far, the customer service I've experienced with them has been very positive. They're well known and can answer my questions.

New York Home Insurance Reviews


As I said before, I have had only one interaction with the company, and it seemed to go very well. The agent I spoke to was courteous, professional, and we took care of business.

Nevada Home Insurance Reviews


I like that I have access to my insurance company 24/7. It is nice being able to have them there when I need them.

Virginia Home Insurance Reviews


Here is the problem with customer service can you say outsourced? that's the biggest Issue that I have you always talk to a foreigner when you want an American

Colorado Home Insurance Reviews


The insurance rep that came to look over our property had an "I'm better than you" attitude. He wasn't very pleasant to deal with and when I called to complain about him I was informed that he has had complaints before.

Alabama Home Insurance Reviews


The website makes it very easy to view my policy details, and I can make payments right on the site. It is also very quick and easy to use.

Indiana Home Insurance Reviews


I don't have anything specific I dislike about them as I haven't had that much experience with them yet. I'm hoping there won't be much to dislike.

Ohio Home Insurance Reviews


I think that they could work on the technology piece. the website needs some updates.

Minnesota Home Insurance Reviews


THE ONLY COMMUNICATIONS ARE ON AN ANNUAL BASIS WHEN MY POLICY IS SENT TO ME. IT ALWAYS ARRIVES WITH PLENTY OF TIME TO REVIEW AND COMPARE. MY BILL IS ON AUTO PAY AND IT IS DONE AT THE SAME TIME EACH MONTH.

Kentucky Home Insurance Reviews


Like I said, the premium was the lowest we could find 2 years ago when we bought the home. We are going to shop again real soon.

Oregon Home Insurance Reviews


The service to the client is good although sometimes the people who attend are a bit odious and it's wrong just for that

Latest Home Insurance Reviews

State Farm
I like it because it is very fast and simple. It's not too dull. It’s very colorful.
All State
The app does everything that I need it to do. I haven't needed to file a claim, but I can use the app to check my coverages.
Geico
They offer a competitive rate and have good customer service. I have not used the mobile app but the website is easy to use to check policy details and pay bills.
Geico
The last time I used the website to get contact information was more than 5 years ago when I had a hail damage claim. It was easy to find a contact phone number.
Farmer's Insurance
I enjoy that runs rather smoothly and also has a decent user interface. It is a good offering but is not fully featured. Despite this, it is surprisingly convenient for an app.
First National Insurance
They don't have much in the way of a user interface. Usually, I end up calling if I need any information.
All State
I really like my company, I feel like they are fair in their pricing and that they have always taken care of any issues we have had with no problems on my end.
Aaa
It would be helpful if the website had more capability to provide quotes or estimates of premiums if I wanted to check on how much it would change the premium by modifying coverage types or coverage maximums or by changing my deductible, enabling me to see the impact of possible changes and to implement those changes online.
State Farm
It seems like a fairly easy to use website and find for the most part what you are wanting to look for. Though at times I do get a bit lost in it.
State Farm
I guess I like our insurance company but I have actually never submitted a claim. The bill comes out of my checking account every month and I don't give it much thought.
Usaa
We are able to access our company's various products including our mortgage, home owner's insurance, and auto insurance packages, all from one single website portal.
All State
The Allstate website is extremely easy to use. I especially like that I can contact my agent directly through the website.
Geico
I would love to be able to afford a policy that had replacement coverage and not just the minimum required by my lender. I know my insurance is not the best but in my current situation, I just cannot afford a higher premium.
State Auto
It is easily accessible. I am able to view my policy, pay my bill, and view my bill all online.
Geico
The website for Geico is easy to use. I only use it to pay my premium once a year and I have no trouble figuring out how to do that and it goes through seamlessly.
State Farm
I think the State Farm site and app are both great. They are extremely easy to navigate and I can find exactly what I'm looking for with just a few clicks. They organize their information intuitively to me and it's very easy to get in contact with a real person. I really appreciate that.
Geico
It is easy for an older person to navigate and file a claim. You can also choose to live chat with an agent.
Metlife
I live in a mobile home, so coverage is not that well in my area. They will only pay certain stuff compared to the house.
State Farm
It lets me pay online and pull up my insurance cards, but it's not very intuitive and has glitches. For example, it goes down often when I'm trying to pay - it's very inconvenient.
Liberty Mutual
I like that is easy to use, and all the tabs on the site are properly named so it is easy to find what you are looking for. Also, it explains well payment method and what you're exactly purchasing.
Country Financial
Liked that we able to continue the farm coverage with the same company that had the insurance prior to us buying the farm. The agent knew the property and there were no issues with insuring a working cattle farm. Have had many issues in the past with home insurance when it was situated on a working cattle farm with horses.
Metlife
I just went to it for the first time now. Looks ok to me. Looks like it has the information I might need. I usually call my local agent.
State Farm
Slow and sometimes kicks me out of the app. Difficult to view policies sometimes.
Nationwide
I like how easy it is to navigate. It’s very user-friendly even for those who aren't good with electronics.
Allied Insurance
I have only had to use the website once, but I was able to find the information I needed. However, it was not the single easiest experience ever, so I'm right in the middle in terms of satisfaction. Simplifying the information and process via the website would move my score higher.
Metlife
I love how easy the website is to use. It is very user-friendly and easy to navigate. I like the look and the feel of the website as well.
All State
It is a bit difficult to navigate once inside the website. Also, the login requires a password change frequently.
State Farm
The app is hard to navigate and whenever I need to use it I never get my purpose solved I always have to end up calling
State Farm
The state farm website is nicely made and visually pleasing. Though, when you're trying to find information, the website is full of useless articles.
State Farm
I have only used the company's website to start the policy so far. I recently bought this house and I chose state farm because it was the first insurance company that recognized my zip code. Said zip code split off from another about 2 years ago. I figured any company that had a website that couldn't keep up with zip code changes doesn't deserve my business. I haven't done anything since then since it's all set up through escrow. I keep meaning to set up an online profile, but at the moment have no need to so have bothered.
State Farm
The website is fairly easy to navigate, however, I attempted to contact my agent via the website and my email was never answered. I sent an email to my agent via the website after business hours hoping for a response in the following day or two and never heard anything back. I ended up having to call the agent.
State Farm
I think that it is easily navigated. It is easy to find my link to pay my bills online. Though it is hard to look at my policies easily to make sure that we are currently where we would like to stand with our coverage.
Usaa
I like the usability of the mobile app. It makes it simple to contact the company and see your policy information.
State Farm
How you can get a quote, file a claim. make a payment or contact your agent right on the front page
State Farm
I like the looks, the ability to navigate the website easily, and the convenience of making payments online. I enjoy being able to find local agents and to contact the company easily.
Usaa
It's easy to use and very simple to find the information I am looking for. I am able to keep track of my banking and insurance information in one place.
Utica First Insurance Comany
It has been over 25 years and we have not really visited the company's website/mobile app. We just pay the bills since we never had any problems.
State Farm
State Farm's website gives me access to my policy information, as well as my premium information. I can contact my agent using the website, and I can find other services offered through his agency.
Nationwide
I really like how easy nationwide is to use. I can do everything online. I don't need to call and be on hold. I can just log on and see everything.
Aig
They don't offer any services on their website. At least, none have been offered to me. That's why I'm not satisfied with their website.
Farmer's Insurance
I like that they are affordable and offer many discounts for other services. However, customer support is ridiculous. They are not very respondent to customers with general questions. However, in the past 5 months, I changed Insurance reps, which has helped. He is nice and knows his way around the company very well.
All State
Allstate's phone app is a quick resource for all of my insurance needs. I can take and send photos for quick and easy claims, and I don't even need to login to access my auto insurance card. It's a sweet app
Farm Bureau
I do not know if they have one. I have never used it if they do have an app or website they don't make it mandatory to use.
Kentucky Farm Bureau
I HAVE NO COMPLAINTS IN GENERAL ABOUT INSURANCE COMPANY, HOWEVER, I WOULD HAVE LIKED TO HAVE BEEN INFORMED WHY THE RATE INCREASE OCCURRED.
State Farm
The app is easy to navigate. While doing this survey, I accessed the app to see what my coverage was. I was able to log on and easily find my home insurance information. It gives me the option to swipe to some items on the first screen or click some on the bottom. At the top, it has a place where I can access my id cards and request roadside assistance. this is probably one of most easy to navigate apps that I have
Liberty Mutual
I like having all my insurance information all in one place. I enjoy being able to easily look up my coverage and payment costs. It's convenient to have this information on my phone, always easily accessible.
Metlife
That's a difficult question to answer since I've never had the need to use their website or mobile app. It's a small company, so I don't expect many frills from their app or website. It would be difficult to underwhelm me with those expectations going in.
Farm Bureau
My biggest issue with IFB's online portal is the way to pay. For instance, today I needed to pay my yearly dues. So I logged into their system, and I could clearly see the invoice, but it would not give me the option to pay online. I had to call and pay with the automated payment system. This is not the first time this has happened either!
Safeco Insurance
I do not use the website very often. We did find them online and made the buying decision after seeking recommendations and reviewing the site
Aaa
I like the mobile app because I can get a copy of my insurance card. I also like that there is a link to start a new claim. I dislike it because I rather talk to a live person instead of filling out a form.
Progressive
One thing I like about my insurance company website/mobile app is the fact that it is easily accessible. One thing that I don't like about my insurance company website/mobile app is that it can be confusing sometimes when I want to make a payment
Liberty Mutual
The website is nice once you submit a claim. They will send you the login information so that you can get in and look at your claim. It tells you each step of the way of the claim what is happening.
All State
I do not feel that the web/mobile app is completely user-friendly. When I got married and we combined accounts it was difficult to get all vehicles and houses under a single account
State Farm
I don't interact with the company’s website or mobile app so I don't really have any input on if I like or dislike it.
All State
The app is very clunky and not easy to navigate. It does not always run smoothly on my phone either.
Geico
My company is there when I need them and answers all of my questions.
Liberty Mutual
The website is overall easy to navigate but it spends too much space offering new clients it services. I would like to have a dedicated site for existing clientele.
Travelers
the company's website is easy to use and gives me a chance to get all the information I need on the policies I have
Nationwide
I like how accessible it is and it is easy to use. Having it on my phone makes it easy to use. Customer service is readily available for me on the site.
Metlife
The website is good. It is easy to navigate it. Easy to find the information online.
Farm Bureau
It is extremely easy to use the website and to navigate. Making payments online is extremely easy. Also viewing passed bills and other policies online is easy.
State Farm
The website is useful, and provides the information on what I need but it was sort of hard to log into. The setup process was lengthier than I would've liked.
Travelers
I have not had to use the website for anything other than to view a copy of my policy. I have not had to file a claim yet.
American Family
I love everything about my insurance company's mobile app, from its quick and easy ability to pay my monthly bill to the sled and nice user interface it has. It really is one of the best mobile apps around right now.
State Farm
It's user-friendly. It offers many services, such as paying my premium, filing a claim, and finding information about all the services that they offer.
Liberty Mutual
I like that I can access my policies and claims 24 hours a day and 7 days a week and pay online if needed.
State Farm
State farm has a very good website. easy to use it has all my information detailed separately I am completely satisfied with it
Usaa
The USAA website is extremely easy to navigate. If I have a problem and want to talk to a person, I am given a choice to chat online, call the toll free number or leave a message and someone will call me back - usually within 5 minutes.
Farmer's Insurance
The websites mobile app can get you the basic information that you need but if you need anything that might seem complicated, you will have to go into the agent's office or call over the phone. This makes the app useless since the app seems to make everything a complicated issue.
Progressive
I imagine I pay a lot less than the average person since I live in a condo and not a house. I know that my relatives who own free-standing houses pay a lot more than me. But that's because there's a lot more that can go wrong in a house than a condo, I think.
Progressive
I really do not know. It has been a long time since I shopped around for home insurance.
All State
Seems higher than others and has only gone up over the years despite the fact that we have made very few claims.
State Farm
I have only looked at a few other quotes, such as Progressive and Allstate before choosing State Farm. I liked State Farm's options and their reliability, but compared to other insurance companies they are not the least expensive company out there. What they do offer is fantastic customer service. Sometimes, in my opinion, that is what will make you choose to pay a little more.
State Farm
Premiums are competitive in my state, but my state has the highest premiums in the country. A few years ago all insurance companies were allowed to eliminate their low deductible policies and the standard policy carries a deductible equivalent to a percentage of the home value. This makes it useless for small claims such as a damaged floor or a broken window.
All State
I have compared pricing and my current insurer is within the same range as all other carriers. If I found someone at a lower rate, I would switch.
Erie Insurance
The premium is very high. Other companies offer insurance for a lower premium. I am not sure about switching to another company.
Agi Insurance Group
COMPARE WITH OTHER INSURANCE COMPANY BETTER FOR PREMIUM MATURITY AND CREDIT THE BONUS POINT TO AVAIL FOR OTHER COMPANY. FLEXIBLE THAT THE CUSTOMER SIDE.
Usaa
The premium that I pay for insuring my home is likely about the same as I would pay another company. The largest portion is for wind damage due to hurricanes, a sad fact of life here in Florida.
Usaa
We shopped but we really knew that we wanted to use USAA as we have always been happy with it. USAA is competitive and the premium is totally reasonable.
Travelers
The premium I have now with Travelers Insurance is much better than the one I had with Allstate Insurance. It is less expensive with the same or better policy.
Progressive
At the time I was looking for coverage this company gave me the best deal, with the most coverage for the lowest price, when also bundled with my car insurance. Therefore, this was the company that made the most sense to go with.
Nationwide
I guess the premium is fair. I haven't really compared it to other insurance companies, so I don't really know what is out there.
Knights Of Columbus
I NEVER COMPARED THE COMPANIES I JUST GRABBED THE FIRST ONE I COULD FIND
Cincinnati Insurance
I wouldn't mind shopping around for an alternative. Might get a better deal. I see ads all the time for other companies and I wonder.
All State
I am very satisfied with my insurance company premium. I have no complaints. It is very fair. I have compared it to others with happiness.
Mapfre Insurance
The other quotes that I received were double to triple. Additionally, the insurance the bank threatened to procure because the bank lost my insurance information was much higher.
Geico
I feel it is fairly high for the cost of my house. However, when I received quotes from other companies they were higher.
State Farm
I believe I pay a fair price for the value of my home and the value of the homes around my home. I think the premium I pay is comparable to other companies and I am happy with the protection I receive.
Farmer's Insurance
Farmers housing insurance rates are very competitive. I compared rates of several insurance companies before choosing Farmers. I am very happy with Farmers rate.
State Farm
Texas tends to be higher than other states, and so given other companies and areas of the country, I really am pretty ambivalent about the current premium.
State Farm
Seems about average from what I know. We have never really shopped around however and have always had good service from them.
Liberty Mutual
My premium is very reasonable, though I would get a similar premium through other companies offering the same services. However, I do pay slightly higher premiums for the good customer service of Liberty Mutual.
State Farm
I haven't compared much but I hate paying $2400 annually
All State
This is a whole lot cheaper than what I paid at the last place I was with my almost 600 dollars so I really cannot complain
Prudential
I think that this insurance company does very well with its new customers as it offers the best tools for new homeowners.
All State
I do not know what other insurance companies charge but I do feel it is a bit high if I am having to pay them every month I think it should be lower
Meemic Insurance
I have not looked at other companies to compare prices so I am not able to speak accurately to that but I think that the price I am paying is fair and competitive.
Liberty Mutual
I think the premium is higher than what I expect to pay, and maybe slightly than other companies.
All State
Allstate has decent rates and does give discounts when you bundle car and home insurance. Whenever I have filed a claim, the process is fairly easy and straightforward.
Geico
Our premium seems a little high, but the coverage amount we are receiving it is reasonable. Since we have been Geico customers for many years we did not attempt to search elsewhere. We have received a lot of discounts and have had great customer service.
Geico
I shopped around for coverage and premium rates Geico by far blows away all the competition. I compared Geico against several others that gave me quotes and it wasn't even close.
State Farm
Well after having this same insurance for almost 15 years the premium we pay compared to others is big. Other insurance companies wanted to charge me almost double for what I pay now.
All State
It all sucks. The whole state sucks. In the DFW area rates suck. No competition between companies it all sucks. I think we have the highest in the country I swear it sucks Geez the rates suck.
State Farm
The premium I am paying seems to be lower than other insurance companies I have tried. I have called for other prices and always get higher.
Geico
Not the best that is available to people but it is fair for what you pay. Additionally, it gets the job done when you need to file a claim.
All State
When I got quotes from other companies, most of them were almost double. I might pay slightly more for my car insurance, but that is more than made up for with the bundle discount and the extremely low home policy price.
Progressive
The amount of my premium seems fitting for the size, age and condition of my home and also covers items inside my home. Additionally, they also have coverage for my exterior buildings (shed, garage)
State Farm
I feel like I get a good rate and I'm not too worried about it. It seemed like the most cost-effective rate compared to other places I was researching at the time.
All State
The premium we pay is about thirty percent less than what we previously paid with our former insurance company. The coverages are a bit better as well.
State Farm
I have not shopped around for other insurance options. I have been satisfied with my policy and service to this date and do not foresee changing in the future
All State
I think it is pretty ok for now, although of course if there's something better that comes along the way, I'd readily take it. Just like with everything else in life, I really hope things wouldn't cost so much. But what can I do, I live in California, everything's expensive here.
State Farm
Other insurance companies are comparable. We have high insurance because of Katrina and every company reflects that reality. I can live with it and I have an excellent agent.
American Strategic Insurance
I can't really complain about the premium since this is my rental house. I really only went with ASI because I was able to bundle my cars and get a deeper discount.
State Farm
I am incredibly satisfied with my premium in comparison to the other companies that gave me quotes. This premium is much lower.
Geico
Seems like I could get more coverage for the money through another insurance company, haven't spent too much time shopping around.
Aaa
I'm satisfied with it. I see all the other companies advertised on T.V, comparing rates with each other, but no one seems to want to compare with AAA. That tells me that AAA rated are quite competitive.
Nationwide
I am paying the same as what I would with another company. I have shopped around with other companies and the prices are all within $2-3 of what I pay now for the same coverage.
State Farm
I do not have a huge preference for my home insurance. I mostly went with them for the bundle discount on my auto insurance. I think I would be just as happy with someone else.
State Farm
I think I can do better with another home insurance. The amount is not too bad but I think that there are better options available. My premium, by the way, is done through my mortgage company.
Usaa
I have no idea what other companies offer. I have been a USAA customer since I was 16 years old. I would never consider using another company. I find most USAA customers to feel the same way. My children now have USAA member numbers and I feel that is a great benefit to them. It would not matter if I could find a cheaper premium with another company, no one can match the customer service and response that USAA provides its members.
Foremost Insurance
I believe the premium that I pay is low compared to most insurance companies. My premium has remained the same for the last 10 years
State Farm
Our premium works well for us. Had a sinkhole repair done to the house and they took care of everything without question. They even made sure the extras were done at no cost. We were surprised to find out that we didn't even have to pay a deductible.
All State
I am really not sure. I haven't changed insurance companies in years. I know you should shop around, however, the last time I did that the new company was cheaper for 1 year and then went up to more than I was paying at my old company, and I lost my discount for years of being a customer with the first company.
State Farm
I am aware that other premiums for the same amount of coverage are lower with companies like Geico but the company I use is very common in my area and has more offices than other large and well-known insurance companies
Nationwide
When we shopped for premiums a few years ago they had the best actual premium for what we wanted. we have a number of homes cars and a boat so it was the total premium that mattered, not just once the house
Usaa
I cannot really comment on my current premium relative to other insurance companies for the same coverage. I had not done comparisons in years and so I have no idea what competitors are offering or how my company stacks up against them.
Progressive
I have never had another home insurance so I don't know if my premium is high or low.
All State
I don't know what other companies charge for similar coverage but I would always like to pay less
Nationwide
I've been with Nationwide for a number of years and so really haven't investigated other insurance companies to compare costs for the same coverage.
Progressive
Comparing it to my auto insurance, I would say it's very similar though I've never had to file a claim and my auto insurance was great.
American Integrity Insurance
The premium I currently pay is very low compared to about 2 other agencies I received quotes from. 1 other agency quoted me within 20 dollars of what I pay. There are only a handful of companies who insure in FL anymore.
Farmer's Insurance
This premium is the best I could find and the others ones were not as beneficial to me. This one was definitely worth it.
Progressive
The premium is ok. Some other companies offer more and some other offers less. My insurance company has been loyal to me and therefore I like staying with the company because I want to be loyal to them as well.
All State
I have not researched other premiums but went with Allstate because I could get discounted coverage for combining it with my auto coverage.
State Farm
I like the premium for the insurance. When looking and comparing prices they were the cheapest and best price for the coverage received so I went with them.
Prudential
I feel I am getting a fair deal due to all of the bundling cost breaks I get.
State Farm
I think that I am getting a decent premium for the coverage I have, but again I am not an insurance expert at all so I am not completely sure
State Farm
I think it is the best premium so far compared to what other insurance companies are offering and to the insurance policy that I had before.
Progressive
I am decently happy with my premium it is a lot lower than I was quoted at several companies but I'm sure over time it will go down and become much better just like my auto coverage premium
All State
I used to be with State Farm and the premiums got out of control, I did a price comparison and it wasn't close considering the bundles that I had
State Farm
I am neutral about my premium because it is something I have to pay and see it as a necessity more than a want. Therefore I believe I have a fair price and appreciate the work my broker has put into finding me a policy where the premium is reasonable.
Liberty Mutual
I really enjoy the premium. It isn't too much but it's enough that I know I'll be covered in the event of a loss.
Progressive
I can't be sure. I only know Progressive was the cheapest option we looked at because I already have auto/renter's through them for years.
State Farm
The premium is okay, but the coverages seem to change on me without notice. I thought I had a flat deductible on my homeowner's policy but when I made a claim a few years ago, it had changed to a percentage of the value of the loss and I would never have kept that option if I had known it had changed.
State Farm
I think that for new customers it’s a lot higher but we have been with State Farm for a long time so the rates are reasonable, they are not the cheapest but it’s the company we like working with.
American Family
I wish that our premium didn't go up so much every year, but it could be worse. It could always be higher.
American Family
We were paying several hundred dollars more for worse coverage with American Family. Plus, we now have a much better agent with Allstate.
All State
My premium compared to other companies is a tad high, but it seems like the coverage is solid and I haven't had any problems with the company yet.
State Farm
We have been with State Farm for over 20 years and at every six-month renewal, our premium goes up, even though there has been no claim. The reason we stay with them is that we are guaranteed not to be canceled unless we do not make a payment.
State Farm
My premium is rather low considering the area I live and the prices of the homes in the area. Very good prices.
State Farm
The premium is very good compared to others. They don't secretly increase it without telling you which I like.
Usaa
USAA offered us a lower premium than quotes we got from Geico and state farm. That was our primary reason for selecting them for coverage.
Citizens Property Insurance
My agent works with multiple insurance companies and always finds me the company with the lowest premiums - some companies tend to have lower rental premiums and another offer lower auto premiums
All State
I had Allstate before and it cost less, but I was very unsatisfied with the claims process and their attitude. Farm Bureau costs more, but so far I am happy with the service and willing to pay more for it.
American Home Insurance
Though our premium is a bit higher, the coverage and options more than make up for it.
All State
We shopped around for a very long time and our insurance company seemed like the best fit for our family.
State Farm
My premium is pretty much similar to other people's premiums for houses in the similar price and age range. Overall, the premium falls in line with what is expected.
State Farm
I have had this insurer for the duration of time I have owned the home, so I don't have a basis for comparing it to that which would be provided by other insurance companies. However, I feel the premiums have been rising out of pace with inflation and I might be served by looking at other insurance providers.
State Farm
The premium seems fair compared to what I have paid for other homes, but I hate to see that money leave my account and go to the insurance company every year. I wish the company offered a discount or a rebate for claim-free years.
All State
I have no comment on the premium. I would rather they lower it for the sake of the current state of the economy, but it is what it is.
State Farm
I feel that my current premium is a little high. I've been with the company for over 10 years and it has gone up around $1000. However, I have never filed a claim; having handled major home repairs out of pocket. This is mainly because I do not want my premium to go up even more.
Liberty Mutual
I got several quotes before I purAll Stated my home. Liberty Mutual was the cheapest by far. They are always very helpful and friendly, that's really what sets them apart from the rest.
State Farm
I have been with them a long time, so it is hard to switch since others may not offer that same level of coverage or the same extras that I am getting now.
State Farm
State Farm's rates are competitive. Because I have my car insurance with them too, the bundle makes the price very good. I do not feel that I could get a better deal elsewhere for the same coverage and benefits as I have with state farm.
State Farm
I am very satisfied with my premium. I did a lot of research before choosing this company. The price I pay is extremely compared to other companies out there. It is a fair price and I am very happy with it.
State Farm
I have not had homeowners insurance with any other companies, so I don't have a comparison readily available but the premium seems comparable to other rates I've seen advertised. I feel like homeowners should have lowered premiums for going without claims similar to auto insurance rewards.
Aaa
I have not checked the premium with other companies. I have had AAA since I first signed up with insurance. My whole family has them so I just stuck with them. I have not compared.
State Farm
For the price of our home and what they are covering we are very satisfied with the premium.
Aaa
I believe my premium is comparable to other companies. I choose not to go with the cheapest companies because of reputation and claim reviews.
State Farm
I used to have State Farm and paid much more for the same coverage. USAA doesn't send me letters telling me to clean up my yard or paint an out-building like State Farm did with the "Good Neighbor" policy. USAA leaves me alone and lets me have peace of mind that I am covered.
State Farm
I don't use this with them. They want to charge you more and a lot more for it
Farmer's Insurance
The premiums are competitive with other companies. My agent sells too many companies. I don't like how much the annual increases have been, considering we've never turned in a claim.
All State
It is better then what we had and did save us a lot of money each month
State Farm
The premium is very good. It was cheaper than most places that I looked at.
Usaa
I believe that the premium is significantly high, but USAA was one of the few companies that were willing to insure a house the age of mine.
Alfa Insurance
In comparing rates from other companies, Alfa was the best. Very few insurance companies cover mobile homes and Alfa has a very good policy for a good price.
Amica Mutual Insurance
When I did a comparison years ago before switching to Amica, they were the lowest and got me the best coverage. I think that is still the case, it has been a while since I did a comparison but I think Amica will be again very competitive.
Farm Bureau
I have looked into other coverage on a regular basis and this policy is always the best price.
State Farm
Not really sure. I haven't shopped around because I find the amount that I pay to be reasonable. I would guess I am paying a little more than I have to, but it isn't worth my time to search.
Usaa
I have compared my premium to other companies and it is competitive. Over time the cost creeps up and I have to call a representative and adjust coverage or add discounts.
All State
I feel that my premium is about average for the price of my home. Plus, I get discounts for bundling my auto insurance as well which makes my auto insurance cheaper than other companies.
Safeco Insurance
Premium is neither good nor bad. It is pretty average and comparable to other insurance companies. Would still like to pay lower though.
Horace Mann Educators Corporation
Simply put, we were able to get great coverage for far less premium than with any other company. Specifically, with the house, two cars, life and accident coverages, our premium is $140 less per year than when we rented.
Auto Owners
The premium is satisfactory and compares competitively with other quotes. I have a local agent who supports policy clarification and cost accuracy.
Travelers
I am very satisfied with the premium because when compared to other companies for the same coverage it was way more for six months than I am paying for a year.
State Farm
The premium rate is pretty good... not bad. I've tried other quotes and they are near the same. The good thing about State Farm is they are a pretty large company so you'll be pretty sure they'll respond.
Geico
When I bought my house I did a lot of research with a lot of different companies that offered insurance and some of the quotes that I got were outrageously expensive. Some were triple what I'm paying now. So compared to other companies, Geico is much more affordable.
American Strategic Insurance
While I can find lower premiums, none offer a flat deductible. Most change the deductible to a percentage of the insured value when a named storm comes through.
All State
I am currently unaware of what the premium is for our policy. We recently moved and I have not gotten a look at the policy that my husband chose for our home. I am sure that is comparable if not better or he would not have chosen it.
Encompass Insurance
The premium is a great rate compared to other insurance companies we've had for the home. Other coverage we've had in the past doesn't even apply to our home, so we were being overcharged.
State Farm
I never had any other companies so I'm not sure how good or well of others are but it seems mine isn't that bad.
State Farm
There were lower quotes but none of them from companies that I trusted. I know State Farm is a huge name so I don't think I will have any problems with them.
Usaa
I did not check with other insurance companies because I have a certain amount of loyalty to USSA and I know they are very competitive.
All State
My premium is basically the same with other companies. It is coverage for a mobile home, so it is not very good no matter what company it is.
Liberty Mutual
This is generally the best coverage available in my area, and with the auto discount probably the lowest premium I can get right now.
Liberty Mutual
I have no comparison with policies for other homes in the area. We selected the first policy we looked at. The rate seems fare based on what we pay for our Florida home.
Geico
Compared to what I was paying before, they were able to beat the price I was paying by a little bit, so overall I am happy about that compared to before.
All State
I compared this company's premium to the premium offered by my auto insurance company and it was less. I have also used this company for my homeowner's insurance for years, so decided to stick with it.
Stillwater Insurance Group
I switched companies a couple of years ago to reduce my premium for same coverage.
State Farm
I have never really shopped around with other insurance companies, so I have no idea what their premiums might be.