Home Insurance SimpleScore Methodology

Fact-checked by HomeInsurance.com
SimpleScore

The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
For every review, our editorial team:

  • Identifies five measurable aspects to compare across each brand
  • Determines the rating criteria for each aspect score
  • Averages the five aspect scores to produce a single SimpleScore

Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

Why do some brands have different SimpleScores on different pages?

To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

Discounts

We looked at the number of discounts each company offers – more discounts mean a higher score.

Aspect Score12345
Number of discounts offered0–23-56-89-1112+

Coverage Options

We awarded higher scores to the companies that offer more coverage options.

Aspect Score12345
Beyond basic coverageBasic coverageBasic + 1 extraBasic + 2 extrasBasic + 3 extrasBasic + 4 or more extras

Support

We awarded higher scores to companies with the most channels for customer support.

Aspect Score12345
Support channelsOffice-only support1 + phone support2 + web-based support3 + mobile app support4 + tools

Customer Satisfaction

We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

Aspect Score12345
J.D Power Rating1 circle2 circles3 circles4 circles5 circles

Accessibility

We looked at the level of accessibility of each company – the more resources they have the higher their score

Aspect Score12345
Accessibility optionsWebsite with coverage options1 + custome quote online2 + online claims3 + mobile app claims4 + more resources