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Homeowners Insurance

A few factors might affect your homeowner insurance: your credit score, age of your home and your prior loss information. Coverage A of the homeowners policy covers the value of the dwelling itself. All else being equal, the larger your coverage A purchased, the larger your homeowner insurance premium. Masonry construction is less susceptible to damage by fire than frame construction. So, if you have a masonry home, you pay less premium than if you have a frame home.

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What is Reinsurance

Reinsurance is insurance of insurance. Reinsurance is a contract that reinsurance companies indemnifies a primary insurer for losses paid under a primary insurer's policies. Reinsurers assumes risk fr

Predictive Modeling in insurance industry

Claims Forecasting - insurers can use predictive modeling to forecast the number of claims, cause of loss and severity of claims. Fraud Detection - insures can use predictive models identify patterns


ROL is a term used to express the cost of reinsurance coverage as the percentage of the limit of coverage. ROL stands for "Rate on Line". It is a way to standardize the cost of reinsurance so it can b


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