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

New Jersey Home Insurance Reviews


Their customer service is lacking. When I called to ask questions about additional insurance I was transferred and disconnected. I never hear from my agent.

Arkansas Home Insurance Reviews


I liked how quickly State Farm paid a hail damage claim. I've had no other claims so I can't speak about how well I would like them otherwise. I liked State Farm customer service in my hometown but like customer service in my current location just ok.

Texas Home Insurance Reviews


Allstate company was good approch about by some peoples.this company can work with the customer on userfriendly

Pennsylvania Home Insurance Reviews


They are always available by phone. If they don't have the answer immediately they call me right back.

Minnesota Home Insurance Reviews


NATIONWIDE DOESN'T OR DID NOT OFFER ME BUNDLE PRICE. NATIONWIDE WAS UNABLE TO MATCH OR COMPETE QUOTES FROM OTHER INSURANCE COMPANIES.

Michigan Home Insurance Reviews


They had really good customer service. When one of my on my property trees fell on my neighbors house they did a great job of helping me get through the process. They were quick, efficient, and very friendly to talk to.

Pennsylvania Home Insurance Reviews


Anytime I had a claim they have been very timely in addressing and payment. Also, the costs are very reasonable.

Georgia Home Insurance Reviews


the thing that i dont like of them is that they take to long to help me in my house problems.

Latest Home Insurance Reviews

Travelers
We are very satisfied with our home insurance. It covers everything we want it to cover to feel secure but also doesn't cost too much.
Auto Owners Insurance
Company is responsive to answer my concerns. Company addresses explaining rate increases and coverage details. Company is responsive to premium due notices and monthly payment notifications.
The Hartford
Honestly, I was recommended of the company by a relative. What I likes about it was, how easy it was to setup all the documentation and the gratitude of the representative while doing it.
State Farm
My State Farm Agent is always more than happy to help me I have never had an issue when I have had a claim. My rates rate don't go up.
State Farm
My agent is a friend of mine who has gotten me very good discounts and rates and is always available for any of my questions.
New Jersey Manufacturers Insurance Company
They were completely straight forward with me when I called about getting a quote and switching to them. They went over all my options, and even told me why going with a higher level program was not necessary for my situation. I was also able to receive a discount from them since I had my car insurance with them.
Allstate
Very intuitive quote which took me thru everything from house building materials from ground up thorough investigation of option for a fair amount of insurance
Liberty Mutual
I like Liberty Mutual mostly because of the relationship we have with our agent. Also, the insurance is tied in with our mortgage payment, so I don't need to think about payments.
State Farm
I like Statefarm because they are easy to communicate with. The customer service is quick and helpful. I would rate their services a 2.
Farmer's Insurance
This company provided the lowest rate of several different competitors. They also offer excellent service.
Farm Bureau
They are very easy to contact; I never have to wait. They have always come through for me.
Usaa
I like usaa because they are always there for me. I give them a 5 star rating.
State Farm
State Farms takes into consideration the wants and needs of their clients and helps develop the best terms of insurance.
Kentucky Farm Bureau
The best think about my current company is that they are easy to deal with, I have not had any negative dealings with them so far, they are also very fair on their rates and assessment of the property value.
State Farm
They are freindly and allowed us to take the pictures of our home instead of sending out a third party to photograph our home.
Geico
Geico gave me enough options to choose from for my rental insurance. Given prices were reasonable. I also was able to get it even though I am a foreign national.
Usaa
They are good to veterans and offer very good rates. they are also easy to deal with on the phone.
Farmer's Insurance
EXCELLENT COMPANY GOOD SERVICE TRUTHFULNESS AND A LOT OF RESPECT FOR ITS CUSTOMERS MEET EVERYTHING I OFFER
State Farm
I would rate State Farm a 2. I love the customer service interactions, and the different options the company offers for everything!
State Farm
RECENTLY HAD THE ROOF REPAIRED DUE TO HAIL DAMAGE, ESTIMATE AGENT CAME OUT THE NEXT DAY TO CHECK THE CONDITION AND WHAT HAD TO BE DONE
Allstate
They connect to me regularly and is always helpful. All State also provide variety of insurance products that meets my needs.
Geico
I really like that Geico has affordable and reasonable rates and excellent customer service. They are always friendly and helpful.
Amica Mutual Insurance
I like the customer service I receive. They have also been great with handling past claims. I like the loyalty to great service.
Selective Insurance
My homeowner's insurance company, Selective Insurance, covered the installation of a brand new roof after a bad storm.
State Farm
I love everything about this company. Their rate are affordable, their staff is wonderful. The take the time to learn their customer and the needs of the said customer.
Farmer's Insurance
i have recently moved my home insurance to farmers and have not had any interactions or claims with them. they had offered better rates so i moved to them.
State Farm
It is a well known and reputable business. They are very responsive to questions/needs as they arise.
State Farm
I think my premium is a great deal, especially when I compared it with other companies I have looked into.
American National Property And Casualty Company
I really like the attention it gives me, it's very fast. they treat you very friendly
Mapfre Insurance
home insurance company is for me the most suitable for my home and thanks to it I feel comfortable and safe
Progressive
I like that Progressive integrates all my products well with their software and mobile application. Also the customer service reps are very helpful whenever I call in. Lastly, Progressive gives me discounts when I bundle certain products together, such as home and auto
State Farm
They are ok. Paid a claim out few years back. But sort of short changed me. Had to pay a lot more than I had anticipated for a new roof.
Citizens Property Insurance
On a scale im at 1, The company i am with is very good, They always look out for us, when we need them.
State Farm
I love that they have many different payment plans you can choose between. it makes it very flexible. you can pay yearly, twice a year, quarterly or monthly
State Farm
They are prompt, courteous and easily accessible. I like the automatic payments and the option to combine other insurances with them.