US Private Insurance Market Generative Engine Optimization (GEO) Report
Homeowners insurance Analysis
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Prompts Analyzed
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Sub-Segments
1
LLMs
Homeowners insurance forms a cornerstone of personal financial security within the US private insurance market, safeguarding residential property owners from a broad spectrum of risks. These policies typically cover damage to the dwelling and personal belongings from perils such as fire, windstorms, theft, and vandalism. Crucially, they also provide liability protection for incidents occurring on the property, covering legal expenses and damages if someone is injured. The market is highly competitive, with established insurers like State Farm, Allstate, and Nationwide offering a range of customizable policies. Regulatory frameworks at the state level heavily influence product offerings and pricing, ensuring consumer protection while allowing for market innovation. Consumer behavior is often driven by mortgage lender requirements, but also by a growing awareness of climate-related risks, leading to increased demand for specialized coverages. Understanding the nuances of different policy forms and endorsements is essential for both insurers and policyholders in this dynamic segment.
Overall Ranking
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 State Farm | #1 | 73% | 10% | 80% |
 Allstate | #2 | 67% | 8% | 76% |
 Nationwide | #3 | 57% | 7% | 78% |
 Amica | #4 | 53% | 7% | 91% |
 Progressive | #5 | 47% | 6% | 74% |
 Erie Insurance | #6 | 40% | 4% | 85% |
 Travelers | #7 | 40% | 3% | 71% |
 Lemonade | #8 | 37% | 6% | 86% |
 USAA | #9 | 37% | 4% | 90% |
 Hippo | #10 | 33% | 6% | 84% |
 Liberty Mutual | #11 | 33% | 4% | 78% |
 Chubb | #12 | 33% | 3% | 89% |
 Farmers Insurance | #13 | 33% | 2% | 71% |
 Kin | #14 | 23% | 4% | 79% |
 Auto-Owners Insurance | #15 | 23% | 2% | 80% |
 GEICO | #16 | 20% | 3% | 74% |
 Policygenius | #17 | 20% | 2% | 81% |
 American Family Insurance | #18 | 17% | 1% | 73% |
 Openly | #19 | 13% | 2% | 84% |
 LendingTree | #20 | 13% | 1% | 64% |
 Branch | #21 | 10% | 1% | 77% |
 QuoteWizard | #22 | 10% | 1% | 70% |
 COUNTRY Financial | #23 | 10% | 1% | 75% |
 Matic | #24 | 7% | 1% | 83% |
 Coverhound | #25 | 7% | 1% | 80% |
 Cincinnati Insurance | #26 | 7% | 1% | 83% |
 New Jersey Manufacturers | #27 | 7% | 0% | 90% |
 Grange Insurance | #28 | 7% | 0% | 70% |
 American Automobile Association | #29 | 3% | 1% | 70% |
 Jerry | #30 | 3% | 0% | 80% |
 Georgia Farm Bureau | #31 | 3% | 0% | 75% |
 Hanover Insurance Group | #32 | 3% | 0% | 80% |
 Insurify | #33 | 3% | 0% | 70% |
 Homesite | #34 | 3% | 0% | 70% |
 EverQuote | #35 | 3% | 0% | 70% |
 Root | #36 | 3% | 0% | 85% |
 Donegal Insurance | #37 | 3% | 0% | 60% |
 Westfield | #38 | 3% | 0% | 60% |
 Mercury Insurance | #39 | 3% | 0% | 80% |
 Gabi | #40 | 3% | 0% | 80% |
 Metromile | #41 | 3% | 0% | 60% |
 Clearcover | #42 | 3% | 0% | 60% |
 NerdWallet | #43 | 3% | 0% | 50% |
The table below shows the domains and URLs most frequently cited by LLMs when generating responses about homeowners insurance. These sources indicate where AI systems most often draw information.
Top Source Domains
Rank | Domain | Name | Used | Percentage | Sub Pages |
|---|---|---|---|---|---|
#1 | Nerdwallet | 22 | 26.67% | 12 | |
#2 | Insurance | 25 | 26.67% | 9 | |
#3 | Forbes | 26 | 23.33% | 8 | |
#4 | Lendingtree | 14 | 23.33% | 7 | |
#5 | Wikipedia | 10 | 23.33% | 10 | |
#6 | Hippo | 8 | 20% | 7 | |
#7 | Insure | 13 | 20% | 6 | |
#8 | Progressive | 7 | 20% | 7 | |
#9 | Bankrate | 10 | 16.67% | 5 | |
#10 | Policygenius | 5 | 16.67% | 5 | |
#11 | Libertymutual | 4 | 13.33% | 4 | |
#12 | Lemonade | 11 | 13.33% | 11 | |
#13 | Time | 4 | 13.33% | 4 | |
#14 | Money | 4 | 13.33% | 4 | |
#15 | Nationwide | 4 | 13.33% | 4 |
Access segment domain sources
Top Source URLs
Rank | URL | Title | Used | Percentage |
|---|---|---|---|---|
#1 | Insurance | 14 | 30% | |
#2 | Nerdwallet | 9 | 23.33% | |
#3 | Bankrate | 9 | 23.33% | |
#4 | Lendingtree | 8 | 23.33% | |
#5 | Hippo | 8 | 23.33% | |
#6 | Claimsmate | 8 | 23.33% | |
#7 | Insure | 6 | 20% | |
#8 | Forbes | 14 | 16.67% | |
#9 | Insure | 6 | 16.67% | |
#10 | Money | 5 | 16.67% | |
#11 | Nerdwallet | 5 | 16.67% | |
#12 | Insurance | 7 | 13.33% | |
#13 | Time | 4 | 13.33% | |
#14 | Lifestoryresearch | 4 | 13.33% | |
#15 | Lemonade | 4 | 13.33% |
Access segment URL sources
Homeowners insurance
Standard Homeowners Policies, primarily HO-3 and HO-5 forms, represent the bedrock of residential property insurance for single-family homes. The HO-3 policy, the most prevalent, offers 'open perils' coverage for the dwelling, meaning it covers all risks unless specifically excluded, while personal property is covered on a 'named perils' basis. The HO-5 form provides broader protection, extending 'open perils' coverage to personal property as well, offering a higher level of security. These policies typically include coverage for the dwelling, other structures, personal property, loss of use, personal liability, and medical payments to others. Market dynamics for these policies are influenced by property values, construction costs, regional peril exposures, and consumer demand for comprehensive protection. Insurers continuously refine their offerings to balance competitive pricing with adequate risk management.
Homeowners insurance - Overall Rankings
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
State Farm | #1 | 73% | 10% | 80% |
Allstate | #2 | 67% | 8% | 76% |
Nationwide | #3 | 57% | 7% | 78% |
Amica | #4 | 53% | 7% | 91% |
Progressive | #5 | 47% | 6% | 74% |
Erie Insurance | #6 | 40% | 4% | 85% |
Travelers | #7 | 40% | 3% | 71% |
Lemonade | #8 | 37% | 6% | 86% |
USAA | #9 | 37% | 4% | 90% |
Hippo | #10 | 33% | 6% | 84% |
Liberty Mutual | #11 | 33% | 4% | 78% |
Chubb | #12 | 33% | 3% | 89% |
Farmers Insurance | #13 | 33% | 2% | 71% |
Kin | #14 | 23% | 4% | 79% |
Auto-Owners Insurance | #15 | 23% | 2% | 80% |
GEICO | #16 | 20% | 3% | 74% |
Policygenius | #17 | 20% | 2% | 81% |
American Family Insurance | #18 | 17% | 1% | 73% |
Openly | #19 | 13% | 2% | 84% |
LendingTree | #20 | 13% | 1% | 64% |
Branch | #21 | 10% | 1% | 77% |
QuoteWizard | #22 | 10% | 1% | 70% |
COUNTRY Financial | #23 | 10% | 1% | 75% |
Matic | #24 | 7% | 1% | 83% |
Coverhound | #25 | 7% | 1% | 80% |
Cincinnati Insurance | #26 | 7% | 1% | 83% |
New Jersey Manufacturers | #27 | 7% | 0% | 90% |
Grange Insurance | #28 | 7% | 0% | 70% |
American Automobile Association | #29 | 3% | 1% | 70% |
Jerry | #30 | 3% | 0% | 80% |
Georgia Farm Bureau | #31 | 3% | 0% | 75% |
Hanover Insurance Group | #32 | 3% | 0% | 80% |
Insurify | #33 | 3% | 0% | 70% |
Homesite | #34 | 3% | 0% | 70% |
EverQuote | #35 | 3% | 0% | 70% |
Root | #36 | 3% | 0% | 85% |
Donegal Insurance | #37 | 3% | 0% | 60% |
Westfield | #38 | 3% | 0% | 60% |
Mercury Insurance | #39 | 3% | 0% | 80% |
Gabi | #40 | 3% | 0% | 80% |
Metromile | #41 | 3% | 0% | 60% |
Clearcover | #42 | 3% | 0% | 60% |
NerdWallet | #43 | 3% | 0% | 50% |