Bankrate Scores are calculated on a five-point scale and mainly reflect a weighted range of industry-standard grades for financial solidity and customer experience, in addition to the analysis of the annual premiums quoted by Quadrant Information Services, which covers the 50 states and Washington, D.C. It is important that housing owners trust that their financial protection covers the most likely risks, has a competitive price, and is provided by a financially solid company with a positive customer service history.