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

North Carolina Home Insurance Reviews


I have not really had a problem with their customer service. Rarely do I ask to speak to my actual agent. I just speak with the office person and they are able to handle everything,

New York Home Insurance Reviews


It seems to be fairly reasonable. When I was purchasing the house, I did a lot of research, and finally, our realtor recommended we go through a local insurance broker. I told them how much I wanted to pay and they matched me with this.

Nevada Home Insurance Reviews


The website is for global company, not my local insurance agency so it makes it difficult to navigate to find the information I need to contact my local agency

Alabama Home Insurance Reviews


I don't use their app, I just go straight to the website online. My phone is already filled with apps and I don't have much room left in memory.

Georgia Home Insurance Reviews


My local agent spends time with me and explains any changes in detail. The office staff is always friendly and willing to go above and beyond when providing service.

Arizona Home Insurance Reviews


Customer service has always been excellent. The few times I've needed to call, they have quickly resolved any issue presented. They are always helpful and friendly.

Maryland Home Insurance Reviews


Every time I have called they have answered, they call me by my title and they are very professional. They are also very fast.

South Carolina Home Insurance Reviews


I really like the interaction between me and insurance company that we have. I pay my bill and they leave me alone I don't ever hear from them like ever which is really nice because I don't like hearing from people unless there is a problem.

Oregon Home Insurance Reviews


The interaction/communication with my insurance company has been very good so far. I have yet to file a claim but I've called my bill a few times and they were very helpful.

Latest Home Insurance Reviews

State Farm
We are not yet all satisfy with this company looking for another best insurance company which website is good and good customer care and who gives proper help and much discounts
Erie Insurance
I like that the company communicates frequently. I like that the company handles claims quickly and fairly. I like that the agents are friendly.
Usaa
I like that they don't seem to outsource their call center employees to other countries. It makes it much easier to get someone who can help you on the first try. They really seem to care about providing great customer service!
Travelers
Overall, I am totally satisfied with the insurance company. They treat you with the utmost respect and treat you like family.
Allstate
Allstate is a solid company with a long track record. That is very reassuring. While I hope to never need the coverage, I believe that I will be treated fairly if I should have to file a claim.
State Farm
I like that the company cares about me and they do their best to make sure that I get what I need. They are very legitimate.
Progressive
This company has been very easy to work with for the past few years. Overall, we would definitely recommend this insurance company and will most likely continue to be customer’s long term.
State Farm
I like the hands-off approach and appreciate that they are not bothering me all of the time like other companies have. They are there when I need them but otherwise stay in the background
State Farm
Overall, I like how they always seem to help you get done what you want to get done. They will always answer your questions.
Usaa
I like the prices, the customer service, the reliability, the app/website, the responsiveness, and the way the price stays consistent over time.
Allstate
I LIKE CUSTOM SERVE AND OFFICE. I DON'T LIKE CLAIM PART. I GOT A HEADACHE EVERY TIME TALK TO THEM MY HURTING ABOUT THINKING ABOUT THEM.
Nationwide
I am satisfied with Nationwide as my insurance company because they offer me a policy and rates in which I am comfortable with and I plan on staying with them as long as they keep up their service
State Farm
The company is very easy to deal with. They do not make you feel bad if you need to file a claim. They are very helpful and friendly.
Farm Bureau
I like that they are based locally. I like that I always am dealing with the same agent. I feel like I'm given personal attention and that's really important to me.
Esurance
I like that I was easily able to obtain insurance online. it works a lot like progressive. you can pick and choose.
Esurance
I am glad that they actually did reimburse me for the money when I fixed my house but I am very disappointed by their customer service. I would not recommend it to anyone unless they start communicating better
Usaa
Always there when needed and the response is very quick. I also earn an annual amount of money based on the company's stocks.
Farmer's Insurance
It is familiar and the website is ok, other than that not much. Our insurance agent is decent
Allstate
What I like about the company is now interested in their customer they are. They truly care and love the amount of effort they put into that.
Travelers
I like my insurance company I have had no problems over the years. The keep us current on changes in insurance laws for the country
State Farm
I like the responsiveness of the company, I like their national reputation. I enjoy the benefits such as their mobile app which is not necessarily available with some of the smaller local companies. Their rates were initially competitive when we first established our relationship with them.
Geico
I like the company because of its great service and also because of the time they take to make a client feel special. I like the staff and customer service.
Usaa
I recommend this company to anyone who may have military family. They're so friendly and helpful, it's worth paying a little more for the better customer service.
Geico
I like the premium I can afford and they always send me good offers and deals for another type of insurance that maybe one day I will look to bundle with my current one
Allstate
I like that Allstate is easy to work with. They are all friendly and helpful. They care about us as customers. On top of that, they provide excellent coverage and reasonable rates.
American Modern Insurance
I like nothing about this company.I do not like anything about this company.I would never recommend this company to anyone looking for insurance
Progressive
I like the company's auto policy for sure. They have superior prices and many options to choose from when it comes to auto insurance.
State Farm
It is a local agent and been with the company for a long time so I like the peace of mind. He is almost a friend at this point. Familiar is a good word for the relationship.
State Farm
They are nice enough people and they are easy to deal with. They haven't done anything to wrong us yet. They seem like hard working people.
Farmer's Insurance
Because I have worked with them for many years, and have always gotten good service, whether it was questions about my policy, or claims or whatever it was I needed.
Allstate
Allstate is a great company with great employees that truly care about the well-being of their customers and making their lives as easy as they can.
State Farm
The company is very reputable and I am sure that they will go out of their way to help me when I need it the most.
Geico
They offer good coverage with a reasonable premium and I can bundle with other types of insurance that can give me a discount. The insurance company also provides better discounts based on my employer that others don't usually offer.
State Farm
I really enjoy working with State Farm. They are always willing to help and go that extra mile to show us that we are important to them. We have always felt important to them and that us were a part of their business not just another numbered customer. We will be a continued State Farm customer for life.
Liberty Mutual
I have rarely used my insurance for 20 years, so there really is not much to like. they collect my premium and that is about it.
Liberty Mutual
The speed and quality of all services I've received from my company are top notches. I've never had to wait long or worry about a claim being approved. Liberty Mutual has always done great work for me.
Liberty Mutual
I like that the company is friendly, not too much in your face with advertisements but gives you access when you need them. They are available and affordable for me and my family.
Allstate
I have been with them for about 20 years and I have not had any major problems or complaints with this company.
Usaa
They aren't a bad company to deal with. They take care of what I need to be taken care of when I need it so I guess I can't complain
Aaa
All things considered, I think they're relatively good. The customer service is responsive and they did pay out my claim quickly after the inspections were completed.
Amica Mutual Insurance
The company has always treated me good and hasn't made me doubt that they would be helpful during a claim.
Metlife
cost-effective friendly relaxing protected explanatory thorough covered communication easy reputable nearby personal available fast reliable service full coverage discounts
Travelers
Just the ease of use in all aspects of dealing with them. From customer service to all parts of the claims process.
Amica Mutual Insurance
I'd say the one thing I really like about Amica is their customer service. It's rare to find any company that has top notch service like this and it doesn't degrade over time. While I have been with the company a short while, I would say I've been with them long enough to notice if there was a decline in their services.
Allstate
This is a customer-driven, time-responsive company who seem to feel that it is their responsibility to guide and help us navigate a situation which can be scary.
Geico
good pricing, website easy to use
Allstate
I am fairly satisfied with my insurance company. My agent seems to care about myself and my policy and calls me when the policy is renewing to touch base with me on anything that is new or changes that have been made.
Aaa
I like that I am able to bundle my home and car insurance and that the company has always been more than happy to assist me with any questions.
Esurance
The company is set up to be simple for the users. The website is user-friendly. You call and don't wait on hold.
State Farm
Easy to work with and a great company for house insurance and insurance in general. I do not plan on switching anytime soon, as they meet all my current insurance needs.
Usaa
I like the helpfulness and friendliness of agent and customer service representatives. I like the many products USAA offers and I also greatly appreciate the money-saving suggestion the customer service agents suggest. I like that I can reach someone 24/7.
Allstate
They are a well-known company with competitive rates. They have a lot of staff.
Liberty Mutual
I am quite happy with the level of coverage offered by the company, and also the level of communication, which is businesslike and professional, not overly intrusive. I'm not bombarded by emails, I'm allowed to go about my daily life without frequent interruption.
State Farm
We are able to get in contact with our local agent whenever necessary. We can stop by the office with questions or drop off payments whenever necessary. The personal service is great.
Farm Bureau
The mobile app needs some work, but at this point, I haven't had to use it much. If I had to file a claim I might be worried about doing it through the app.
State Farm
In general, we don't communicate with the company but when we had to file a claim to replace our roof it was a simple process and we did not encounter any major problems and got reimbursed for paying the contractor
Aaa
I like the company because I personally know how good my agent is and the customer service is on point. I also love the discount that I receive. It would take a lot for me to switch to another company.
Liberty Mutual
I really like their customer service and how fast they are able to help me.
State Farm
Overall, the company does a fine job. I do like how they communicate regularly via email to the user with updates and when I had a question they did make sure that they got back to me with the correct answer
Mapfre Insurance
I like the ability to bundle car and home policies and receive a discount. The policies are prepared on time and payments can be made via the website or electronically through my bank. Their local representative is also very good.
State Farm
They meet my needs, are friendly and reliable, and they offer great value. There are agents everywhere, so when I move I'll have no trouble transferring my coverage.
Usaa
My favorite thing about my insurance company is their customer service. I have never had a bad interaction when dealing with my insurance company. They really go above and beyond in customer service.
Allstate
Allstate has provided what I've needed. It's been fairly smooth since we began insurance with them 9 years ago.
Geico
I do appreciate their customer service and the level of service I received after an accident. The representatives were pleasant and handled my claim nicely.
State Farm
The coverage is great and comprehensive. I am satisfied with the customer service and reputation of the company, but I may shop around in the future.
State Farm
I dislike the premiums but that's not just because of my insurance company. Most premium with most companies is going to be the same. It still stands that I dislike that premium though.
Usaa
The company doesn't go the extra mile to make sure all points of the insurance process are as good as they could be. It just does the job.
Travelers
I like that they are upfront, professional, able to answer all of my questions, and most of all, helpful
Progressive
I don't like the lack of communication. They need to send something more than once per year. In addition, the website needs to be tweaked so that everything is easily accessible all in one page.
Liberty Mutual
The arguing about price with the contractors was a real pain in the ass. That cost us some time.
Safeco Insurance
Overall, Safeco is a good, solid A rated company that leaves me alone unless I contact them. That's the way I like it. Their prices are more than fair and my broker/agent is easy to deal with.
Allstate
Right now, we have been impressed with a service we are required by our lender to pay for, but hopefully will never use. I suppose a lower rate would always be better. In addition to this, more personalized communication from the corporate/main offices would be a nice touch. Rather than generic mailers or emails trying to get me to add new stuff to my package, something like "we see you're doing this, maybe XYZ makes sense for you" would be appreciated, but I'm sure time to consume for them.
State Farm
its insurance, it’s always going to be a vague sink until we need it, like a lawyer or something
American Family
The company is too big to where you seem to get lost in the cracks but your agent is there to make sure that does not happen. I got bounced around between agents and found that concerning but am with a good one now.
Usaa
There isn't really anything I don't like, I suppose it would be nice if they had a local office that I could visit.
Farm Bureau
One thing that bothers me is that when I leave NC for work they are harder to reach. Others have not heard of them as well, and bigger insurance companies often call me to try to sway me to get insurance from them.
Allstate
Their overall customer service is poor and I don't feel they are fair with their rates compared to other. I just have not taken the time to shop around for rates, I prefer to not changes things all the time
Allstate
I am not impressed with the actual Allstate agent that we have. They seem to never be there and when they do call me back, they refer me to the 800 Allstate for any answers.
Liberty Mutual
My biggest complaint would be pricing. They seem to increase their rates quite a bit. I've called them on that and they tell me it's because of where I live. It's still not ridiculously expensive, but I think I can do better. I'm not sure I want to give up good customer service at a cheaper rate.
Country Financial
My only dislike of Country is not with homeowners insurance, but with their business side. Country Financial subs out their workman comp insurance, and the company is poor to work with (SFM). I have had many issues and dislike that aspect of dealing with Country. Fortunately, my local rep is very good at fixing all of the issues with them.
State Farm
Not much. It is hard to follow the costs of my car insurance and it seems like every time it is renewed they slip in small charges that I have to call and cancel every time! An example is rental car coverage or roadside service. As far as my home coverage I think everything is good.
Liberty Mutual
They are a bit difficult when it comes to claims. They want you to go to certain shops that are not in good areas of town. When you don't go there, you find they don't pay enough to fix the car as well as you'd like.
Aaa
There really isn't anything to complain about or dislike. I could say the price, but they are very fair compared to what we've seen. I guess it could always be lower.
Allstate
So far there is nothing that I do not like.
State Farm
I do not have much negative input on State Farm other than the occasional rate increases we've experienced. As well as all the paper mail they send out. Additional discounts would be nice too.
Farm Bureau
I have not found anything that I dislike about the company. They have always been courteous in any interactions.
American National Property And Casualty Company
Their rates are just too high and we're going to change companies this fall, after 25 years with them
Esurance
I dislike that my premiums have kept increasing over the past few years. However, the increase is still very small compared to what I would be paying any other company from whom I have received quotes.
Geico
Geico Insurance Company started at a low rate; then the next time they upped our rate and we had never used it. I kind of felt like this was a gimmick to get new customers.
State Farm
I really have no dislikes. They have been great and I've used them not just for home but also for auto for many years.
Farmer's Insurance
It is pretty hard to come up with stuff that I don't like about the company since they are exceptional at what they do. Sometimes, once in a while I would get representatives who get irritated during phone calls but other than that I don't see any negativity of the company as a whole. Individual performance does not dictate negativeness from an entire corporation.
State Farm
ONE THING I DO NOT LIKE IS THE WAY RATES HAVE GONE UP 10 TO 20% IN THE LAST YEAR. ITS LIKE THEY CAN JUST DO IT WILLY NILLY WITH NO REGARD FOR THE HUMAN FACTOR.
Nationwide
I don't really have anything that I don't like about them. They seem to be very good and caring. I hope I never had to File a claim with them.
Farm Bureau
I dislike the amount of the premiums and the fact that they increase my policy amount periodically, although I have not requested the increase. Raising my policy amount increases my premiums without my approval.
State Farm
So far there's not really anything that I do not like about the company.
Geico
Not dislike at this time. I will be redoing the wiring on the home in the future and when I do the premium will go down.
Auto Owners Insurance
I was dismayed when the adjuster wouldn't let us claim the most recent water damage, but perhaps it was because this wasn't the first time we've had problems since living here. I would think they would want to help us out anyway, but I'm not certain about the fine details of such things so I have to assume they had their reasoning for doing so. I suppose prices could come down a bit as well. They're always going up. We've paid far more into it than we've ever gotten out of it.
Progressive
While I do like them, they are still an insurance company. Insurance companies overall are not out to help you, they are out to make money. I understand their need, just don't agree with their tactics.
State Farm
I have never had a bad expr with the company so I have nothing bad to say.
Amica Mutual Insurance
I do wish that the premiums were not so high, however, it is a case of you get what you pay for and the claims' service and customer service are great.
Geico
There is a lot I dislike about the home insurance company. The premiums are higher and the service, although alright, is also limited.
Liberty Mutual
There is absolutely nothing I dislike about them. I only gave them a 4 instead of a 5 because we never had to file a claim yet.
State Farm
I don't really have any dislikes about the company, other than what I mentioned above about their upselling efforts. They have always been professional and polite by phone and email when I've needed to speak with them. I just wish they would call less often.
Allstate
At this time I had not had an experience that would cause me to dislike any service. I am confident in their service at this time.