The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.
Homeowners Insurance Research Process
We created an objective rating system to score each home insurance company. Here’s what that review process looked like:
- We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
- We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
- We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.
Factors Evaluated to Compare Homeowners Insurance Companies
With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:
We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
State Availability (7.5)
Companies scored higher if they covered more states than their competitors.
Customer Service (15)
This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
Additional benefits (15)
Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.
About The This Old House Reviews Team
The This Old House Review Team is an independent editorial team of subject matter experts who champion the categories and home services we recommend. From the beginning stages of research to the published review articles, our team works diligently to center the reader’s interests by identifying common pain points, connecting with people with first-hand knowledge and experience, and crafting content that meets the needs of our audience. We aim to help first-time homebuyers, potential sellers, budget-conscious homeowners, and others from all walks of life streamline their decision-making process for selecting their home services.
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