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An insurance business has value if its cost of float over time is less than the cost the company would otherwise incur to obtain funds. But the business is a lemon if its cost of float is higher than market rates for money.. Buffett also touches on what makes valuing an insurance company difficult.nsurance Valuation Insight. A couple of key metrics can be used to value insurance companies, and these metrics happen to be common to financial firms in general. These are price to book (P/B) and return on equity (ROE).
When you purchase boat insurance, you will choose from three options for how the insurance company will pay you in the event of an accident claim. 1  Actual cash value will pay you the current market value for your boat or personal belongings.  Agreed value pays you an amount you agree on when you sign up for the policy.