Homeowners Insurance Policy Scoring — Weighting Factors

As explained in the Frequently Asked Questions, the homeowners insurance policy scoring — RU InsureScore — uses three guiding principles to identify the most important terms of the policies for consumers and to weight them. The three principles are:

How frequently does a loss covered by a particular term arise, and how large are the average losses?
How much do the terms vary among policies?
What kinds of coverage do policyholders reasonably expect?

The following tables show the relative weights of the kinds of policy terms evaluated, first as to the general types of coverage (Property coverage and Liability coverage), and then as to the elements of property coverage (Things the insurance covers, Risks the insurance covers, and What the insurance pays, with subcategories).


Types of coverage	Is it important for the number of claims and the size of claims?	Do policies vary significantly?	Weight
Property coverage	Yes	Yes	More important
Liability coverage	No	No	Less important
Other issues	No	Yes	Less important


Property coverage		Is it important for the number of claims and the size of claims?	Do policies vary significantly?	Weight

Things the insurance covers	Buildings	Yes	No	More important
	Personal property	Yes	No	Less important
	Additional coverages	No	Yes	Important

Risks the insurance covers	Buildings	Yes	No	Important
	Personal property	Yes	No	Important
	Water risk	Yes	Yes	More important
	Mold risk	Yes	No	Important
	Other risks	Yes	No	Important

What the insurance pays	Buildings	Yes	No	Important
	Personal property	Yes	No	Important
	Law and ordinance coverage	Yes	Yes	Important
	Roof coverage	Yes	No	More important
	Additional living expense	No	No	Important
	Other payment issues	Yes	Yes	Important