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  2. Mortgage calculator - Wikipedia

    en.wikipedia.org/wiki/Mortgage_calculator

    Mortgage calculators can be used to answer such questions as: If one borrows $250,000 at a 7% annual interest rate and pays the loan back over thirty years, with $3,000 annual property tax payment, $1,500 annual property insurance cost and 0.5% annual private mortgage insurance payment, what will the monthly payment be? The answer is $2,142.42.

  3. Rate making - Wikipedia

    en.wikipedia.org/wiki/Rate_making

    In property and casualty insurance, there are three basic rate-making methods: Judgment Rating is used when the factors that determine potential losses are varied and cannot easily be quantified. [2] There are no statistics regarding quantity of future losses and probability. This means an underwriter rates each exposure individually.

  4. Condition of average - Wikipedia

    en.wikipedia.org/wiki/Condition_of_average

    Illustration of the partial payout of Sum Insured against probability of occurrence. Condition of average (also called underinsurance [1] in the U.S., or principle of average, [2] subject to average, [3] or pro rata condition of average [4] in Commonwealth countries) is the insurance term used when calculating a payout against a claim where the policy undervalues the sum insured.

  5. Guide to homeowners insurance - AOL

    www.aol.com/finance/guide-homeowners-insurance...

    According to rates gathered from Quadrant Information Services, the average annual cost of homeowners insurance in the U.S. is $1,428 based on a home with a dwelling coverage limit of $250,000 ...

  6. California homeowners could face property insurance hikes ...

    www.aol.com/california-homeowners-could-face...

    (The Center Square) - California homeowners may face noticeable insurance rate hikes under new rules finalized by state regulators that allow property insurers to use complex climate algorithms ...

  7. Will property insurance rates go down? Answering questions ...

    www.aol.com/property-insurance-rates-down...

    During a hasty special session this week, Florida lawmakers passed sweeping changes to address the state’s ailing property insurance market.

  8. Loss ratio - Wikipedia

    en.wikipedia.org/wiki/Loss_ratio

    For insurance, the loss ratio is the ratio of total losses incurred (paid and reserved) in claims plus adjustment expenses divided by the total premiums earned. [1] For example, if an insurance company pays $60 in claims for every $100 in collected premiums, then its loss ratio is 60% with a profit ratio/gross margin of 40% or $40.

  9. Loan-to-value ratio - Wikipedia

    en.wikipedia.org/wiki/Loan-to-value_ratio

    A similar property with a value of $100,000 with a first mortgage of $50,000 and a second mortgage of $25,000 has an aggregate mortgage balance of $75,000. The CLTV is 75%. Combined loan to value is an amount in addition to the Loan to Value, which simply represents the first position mortgage or loan as a percentage of the property's value.

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