USA - Private Insurance Market Generative Engine Optimization (GEO) Report
Home insurance Analysis
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Prompts Analyzed
5
Sub-Segments
2
LLMs
The Home insurance segment is a cornerstone of the U.S. private insurance market, offering essential protection for residential property owners. It encompasses a broad spectrum of policies designed to mitigate financial risks associated with property damage, theft, and liability claims. This market is characterized by its complexity, driven by diverse housing types, regional peril exposures, and varying consumer needs. Insurers like State Farm, Allstate, and Liberty Mutual compete fiercely, leveraging brand recognition, agent networks, and digital platforms to attract and retain customers. Consumer behavior is increasingly influenced by online comparison tools, demand for personalized coverage, and the impact of climate change on premium rates. Regulatory frameworks also play a significant role in shaping policy offerings and pricing. Understanding the nuances of each sub-segment is crucial for effective risk management and market penetration within this vital sector.
Overall Ranking
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 Allstate | #1 | 74% | 6% | 74% |
 State Farm | #2 | 66% | 4% | 75% |
 Liberty Mutual | #3 | 55% | 5% | 75% |
 Progressive | #4 | 50% | 5% | 79% |
 USAA | #5 | 47% | 3% | 82% |
 GEICO | #6 | 45% | 6% | 77% |
 Nationwide | #7 | 35% | 3% | 77% |
 Farmers Insurance | #8 | 32% | 2% | 66% |
 Travelers | #9 | 32% | 2% | 76% |
 Lemonade | #10 | 31% | 3% | 83% |
 Kin | #11 | 31% | 3% | 83% |
 Amica | #12 | 27% | 2% | 79% |
 Chubb | #13 | 27% | 2% | 83% |
 Hippo | #14 | 26% | 3% | 78% |
 NerdWallet | #15 | 23% | 2% | 61% |
 Insurify | #16 | 23% | 2% | 80% |
 Openly | #17 | 23% | 1% | 80% |
 The Zebra | #18 | 21% | 2% | 68% |
 Gabi | #19 | 18% | 1% | 82% |
 Policygenius | #20 | 16% | 1% | 75% |
 Foremost | #21 | 15% | 2% | 77% |
 Erie Insurance | #22 | 15% | 1% | 79% |
 Mercury Insurance | #23 | 13% | 1% | 76% |
 Obie | #24 | 11% | 2% | 87% |
 The Hartford | #25 | 11% | 1% | 74% |
 ValuePenguin | #26 | 10% | 1% | 65% |
 Steadily | #27 | 10% | 1% | 87% |
 American Family | #28 | 10% | 1% | 76% |
 Insure.com | #29 | 10% | 1% | 62% |
 American Family Insurance | #30 | 10% | 1% | 78% |
 PURE Insurance | #31 | 10% | 1% | 86% |
 American International Group | #32 | 10% | 1% | 72% |
 Insurance.com | #33 | 8% | 1% | 56% |
 Bankrate | #34 | 8% | 1% | 68% |
 Assurant | #35 | 8% | 1% | 60% |
 LendingTree | #36 | 6% | 1% | 71% |
 Cincinnati Insurance | #37 | 6% | 0% | 76% |
 Safeco | #38 | 6% | 0% | 71% |
 American Strategic Insurance | #39 | 6% | 0% | 60% |
 Clovered | #40 | 5% | 1% | 82% |
 American Automobile Association | #41 | 5% | 1% | 78% |
 SelectQuote | #42 | 5% | 1% | 82% |
 American Modern Insurance Group | #43 | 5% | 1% | 80% |
 HoneyQuote | #44 | 5% | 0% | 80% |
 Blake Insurance Group | #45 | 5% | 0% | 62% |
 Hanover Insurance Group | #46 | 5% | 0% | 81% |
 American Modern | #47 | 5% | 0% | 83% |
 COUNTRY Financial | #48 | 5% | 0% | 75% |
 Coverage Cat | #49 | 5% | 0% | 57% |
 QuoteWizard | #50 | 5% | 0% | 70% |
See all segment rankings
The table below shows the domains and URLs most frequently cited by LLMs when generating responses about home insurance. These sources indicate where AI systems most often draw information.
Top Source Domains
Model:
Rank | Domain | Name | Used | Percentage | Sub Pages |
|---|---|---|---|---|---|
#1 | Wikipedia | 71 | 59.02% | 64 | |
#2 | Geico | 44 | 40.98% | 31 | |
#3 | Progressive | 36 | 36.07% | 29 | |
#4 | Libertymutual | 30 | 32.79% | 26 | |
#5 | Nerdwallet | 55 | 31.15% | 29 | |
#6 | Thezebra | 26 | 26.23% | 18 | |
#7 | Allstate | 23 | 26.23% | 21 | |
#8 | Hippo | 20 | 21.31% | 17 | |
#9 | Insure | 25 | 18.03% | 11 | |
#10 | Policygenius | 18 | 16.39% | 14 | |
#11 | Kin | 18 | 16.39% | 16 | |
#12 | Lemonade | 32 | 16.39% | 29 | |
#13 | Reddit | 12 | 13.11% | 10 | |
#14 | Valuepenguin | 20 | 13.11% | 8 | |
#15 | Forbes | 40 | 13.11% | 19 |
Access segment domain sources
Top Source URLs
Model:
Rank | URL | Title | Used | Percentage |
|---|---|---|---|---|
#1 | Wikipedia | 10 | 16.39% | |
#2 | Wikipedia | 12 | 16.39% | |
#3 | Wikipedia | 11 | 14.75% | |
#4 | Wikipedia | 10 | 14.75% | |
#5 | Hippo | 8 | 13.11% | |
#6 | Bankrate | 8 | 13.11% | |
#7 | Libertymutual | 8 | 13.11% | |
#8 | Logicallandlord | 12 | 13.11% | |
#9 | Nerdwallet | 13 | 13.11% | |
#10 | Geico | 8 | 11.48% | |
#11 | Thezebra | 7 | 9.84% | |
#12 | Lemonade | 7 | 9.84% | |
#13 | Nerdwallet | 7 | 9.84% | |
#14 | Insure | 11 | 9.84% | |
#15 | Allstate | 8 | 9.84% |
Access segment URL sources
Condo (HO-6)
The Condo (HO-6) insurance sub-segment addresses the unique needs of condominium unit owners. This policy type is crucial because the master insurance policy held by the homeowners association typically only covers the building's common areas and exterior structure. HO-6 policies fill this gap by protecting the unit's interior (e.g., walls, fixtures, improvements), personal belongings, and providing personal liability coverage. Consumer understanding of the distinction between master and individual policies is a key factor in this market. Insurers must clearly articulate coverage boundaries and often offer endorsements for specific risks or higher value interior finishes.
Condo (HO-6) - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Allstate | #1 | 100% | 11% | 81% |
State Farm | #2 | 86% | 7% | 83% |
Progressive | #3 | 71% | 7% | 80% |
GEICO | #4 | 57% | 8% | 69% |
Lemonade | #5 | 57% | 5% | 88% |
Liberty Mutual | #6 | 43% | 5% | 75% |
Mercury Insurance | #7 | 43% | 4% | 73% |
Travelers | #8 | 43% | 3% | 80% |
USAA | #9 | 43% | 2% | 90% |
American Family | #10 | 29% | 4% | 73% |
Hippo | #11 | 29% | 3% | 68% |
Nationwide | #12 | 29% | 3% | 80% |
The Zebra | #13 | 29% | 2% | 78% |
Assurant | #14 | 29% | 2% | 50% |
Farmers Insurance | #15 | 29% | 2% | 75% |
Amica | #16 | 29% | 1% | 70% |
Kin | #17 | 14% | 3% | 85% |
American Family Insurance | #18 | 14% | 2% | 77% |
Insure.com | #19 | 14% | 2% | 70% |
Clovered | #20 | 14% | 2% | 85% |
American Modern Insurance Group | #21 | 14% | 1% | 70% |
Erie Insurance | #22 | 14% | 1% | 85% |
 Heritage Property and Casualty | #23 | 14% | 1% | 70% |
Blake Insurance Group | #24 | 14% | 1% | 85% |
 EverQuote | #25 | 14% | 1% | 70% |
 Homesite | #26 | 14% | 1% | 70% |
Gabi | #27 | 14% | 1% | 70% |
Insurify | #28 | 14% | 1% | 70% |
QuoteWizard | #29 | 14% | 1% | 70% |
American International Group | #30 | 14% | 0% | 50% |
High-value home
The High-value home insurance sub-segment targets affluent homeowners with properties exceeding a certain market value, typically requiring more extensive and specialized coverage than standard policies. These policies often feature higher dwelling and personal property limits, broader 'all-risk' coverage, and specialized endorsements for fine art, jewelry, wine collections, and other unique assets. Insurers in this niche provide white-glove service, including risk assessments, loss prevention advice, and discreet claims handling. Consumer behavior is driven by the need for comprehensive protection for significant assets and a preference for personalized, high-touch service. Competition involves specialized carriers and brokers offering bespoke solutions.
High-value home - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Nationwide | #1 | 86% | 6% | 83% |
Chubb | #2 | 86% | 6% | 92% |
PURE Insurance | #3 | 71% | 4% | 89% |
State Farm | #4 | 71% | 4% | 78% |
USAA | #5 | 57% | 4% | 83% |
Openly | #6 | 57% | 3% | 85% |
Travelers | #7 | 57% | 3% | 84% |
Allstate | #8 | 57% | 3% | 76% |
GEICO | #9 | 43% | 6% | 77% |
NerdWallet | #10 | 43% | 3% | 63% |
American International Group | #11 | 43% | 2% | 88% |
Coverage Cat | #12 | 29% | 2% | 60% |
Kin | #13 | 29% | 2% | 85% |
Amica | #14 | 29% | 1% | 88% |
Liberty Mutual | #15 | 29% | 1% | 83% |
 Oyer, Macoviak and Associates | #16 | 29% | 1% | 60% |
 Westfield | #17 | 29% | 1% | 78% |
Progressive | #18 | 29% | 1% | 68% |
Insure.com | #19 | 14% | 2% | 50% |
Insurance.com | #20 | 14% | 2% | 50% |
Hippo | #21 | 14% | 2% | 85% |
 Matic | #22 | 14% | 1% | 80% |
Hanover Insurance Group | #23 | 14% | 1% | 92% |
The Hartford | #24 | 14% | 1% | 90% |
 American Integrity | #25 | 14% | 1% | 90% |
Cincinnati Insurance | #26 | 14% | 1% | 85% |
 TrustedChoice.com | #27 | 14% | 1% | 50% |
Lemonade | #28 | 14% | 1% | 95% |
Erie Insurance | #29 | 14% | 1% | 80% |
 SageSure | #30 | 14% | 1% | 70% |
Policygenius | #31 | 14% | 1% | 70% |
The Zebra | #32 | 14% | 1% | 70% |
ValuePenguin | #33 | 14% | 1% | 70% |
American Strategic Insurance | #34 | 14% | 1% | 60% |
 AARP | #35 | 14% | 0% | 90% |
Homeowners
This sub-segment is the largest and most common form of residential property insurance, designed for individuals who own and occupy their primary residence. Policies typically cover damage to the structure, personal possessions, and provide liability protection against claims arising from injuries or property damage to others. Consumer behavior is often driven by mortgage lender requirements, but also by a desire for peace of mind against unforeseen events like fires, storms, or theft. Competition is intense, with insurers differentiating through pricing, customer service, bundling options, and digital tools for claims and policy management. The market is highly sensitive to regional weather patterns and construction costs.
Homeowners - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Allstate | #1 | 82% | 5% | 70% |
State Farm | #2 | 71% | 5% | 70% |
Liberty Mutual | #3 | 54% | 4% | 73% |
USAA | #4 | 54% | 3% | 82% |
Progressive | #5 | 50% | 5% | 79% |
Kin | #6 | 46% | 3% | 83% |
Nationwide | #7 | 46% | 3% | 75% |
Lemonade | #8 | 43% | 4% | 80% |
Hippo | #9 | 43% | 4% | 79% |
Amica | #10 | 43% | 3% | 81% |
The Zebra | #11 | 36% | 3% | 66% |
Openly | #12 | 36% | 2% | 78% |
Chubb | #13 | 36% | 2% | 80% |
Farmers Insurance | #14 | 36% | 2% | 61% |
NerdWallet | #15 | 32% | 3% | 59% |
Insurify | #16 | 32% | 3% | 81% |
Travelers | #17 | 32% | 2% | 71% |
Gabi | #18 | 25% | 2% | 84% |
GEICO | #19 | 25% | 2% | 76% |
Erie Insurance | #20 | 25% | 2% | 78% |
Policygenius | #21 | 21% | 2% | 73% |
American Family Insurance | #22 | 14% | 1% | 76% |
Insurance.com | #23 | 11% | 1% | 57% |
The Hartford | #24 | 11% | 1% | 78% |
COUNTRY Financial | #25 | 11% | 1% | 75% |
Cincinnati Insurance | #26 | 11% | 1% | 73% |
American Strategic Insurance | #27 | 11% | 1% | 60% |
 MoneyGeek | #28 | 11% | 1% | 57% |
 Texas Windstorm Insurance Association | #29 | 7% | 1% | 73% |
American Automobile Association | #30 | 7% | 1% | 80% |
 Better | #31 | 7% | 1% | 83% |
Blake Insurance Group | #32 | 7% | 1% | 50% |
ValuePenguin | #33 | 7% | 0% | 60% |
 Goosehead | #34 | 7% | 0% | 70% |
Mercury Insurance | #35 | 7% | 0% | 75% |
 Auto-Owners Insurance | #36 | 7% | 0% | 83% |
Safeco | #37 | 7% | 0% | 75% |
Insure.com | #38 | 7% | 0% | 60% |
Hanover Insurance Group | #39 | 7% | 0% | 75% |
 Security First Insurance | #40 | 7% | 0% | 78% |
American International Group | #41 | 7% | 0% | 58% |
LendingTree | #42 | 7% | 0% | 68% |
 Louisiana Citizens Property Insurance | #43 | 7% | 0% | 53% |
 Citizens Property Insurance | #44 | 7% | 0% | 73% |
AARP | #45 | 7% | 0% | 65% |
EverQuote | #46 | 7% | 0% | 50% |
Bankrate | #47 | 4% | 0% | 80% |
American Family | #48 | 4% | 0% | 75% |
Clovered | #49 | 4% | 0% | 80% |
TrustedChoice.com | #50 | 4% | 0% | 50% |
Landlord
This sub-segment caters specifically to individuals or entities who own residential properties that are rented out to tenants. Unlike standard homeowners policies, landlord insurance focuses on risks associated with rental operations, including damage to the property structure, loss of rental income due to covered perils, and liability for incidents occurring on the premises. It does not cover the tenant's personal belongings, which require separate renters insurance. Market demand is driven by the growing rental housing market and the need for landlords to protect their significant investments. Insurers offer tailored policies that account for tenant-related risks and property management responsibilities.
Landlord - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Liberty Mutual | #1 | 83% | 9% | 82% |
Allstate | #2 | 75% | 8% | 79% |
Obie | #3 | 58% | 9% | 87% |
GEICO | #4 | 58% | 9% | 80% |
State Farm | #5 | 58% | 5% | 81% |
Steadily | #6 | 50% | 6% | 87% |
Farmers Insurance | #7 | 33% | 2% | 76% |
Travelers | #8 | 33% | 2% | 74% |
Progressive | #9 | 25% | 3% | 82% |
Mercury Insurance | #10 | 25% | 3% | 80% |
Policygenius | #11 | 25% | 2% | 82% |
American Family | #12 | 25% | 1% | 78% |
ValuePenguin | #13 | 17% | 4% | 65% |
SelectQuote | #14 | 17% | 2% | 83% |
Kin | #15 | 17% | 2% | 83% |
Lemonade | #16 | 17% | 2% | 88% |
Bankrate | #17 | 17% | 2% | 70% |
The Hartford | #18 | 17% | 2% | 70% |
 Hiscox | #19 | 17% | 2% | 75% |
Insurify | #20 | 17% | 1% | 80% |
USAA | #21 | 17% | 1% | 90% |
Gabi | #22 | 17% | 1% | 80% |
Clovered | #23 | 8% | 2% | 80% |
 Insurish | #24 | 8% | 1% | 70% |
Hippo | #25 | 8% | 1% | 80% |
 Coverhound | #26 | 8% | 1% | 90% |
American Automobile Association | #27 | 8% | 1% | 75% |
 Viu by Hub | #28 | 8% | 1% | 80% |
Amica | #29 | 8% | 1% | 60% |
Chubb | #30 | 8% | 1% | 60% |
Nationwide | #31 | 8% | 1% | 60% |
American Family Insurance | #32 | 8% | 0% | 85% |
 Berkshire Hathaway | #33 | 8% | 0% | 50% |
Safeco | #34 | 8% | 0% | 85% |
American Modern | #35 | 8% | 0% | 80% |
Foremost | #36 | 8% | 0% | 80% |
QuoteWizard | #37 | 8% | 0% | 70% |
Coverage Cat | #38 | 8% | 0% | 50% |
Mobile home
This sub-segment focuses on providing insurance solutions for manufactured or mobile homes, which have distinct construction and risk profiles compared to traditional stick-built houses. Policies are tailored to cover the dwelling, personal property, and liability, but also account for specific perils like wind damage due to their lighter construction, or even transit coverage if the home is moved. The market serves a specific demographic, often in mobile home parks, and requires insurers to have specialized underwriting expertise. Competitive offerings often include options for additional structures, debris removal, and protection against perils common to these types of residences. Consumer education on these specialized coverages is vital.
Mobile home - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
GEICO | #1 | 88% | 13% | 81% |
Foremost | #2 | 88% | 11% | 79% |
Progressive | #3 | 88% | 11% | 81% |
USAA | #4 | 63% | 6% | 72% |
Liberty Mutual | #5 | 50% | 5% | 66% |
Farmers Insurance | #6 | 50% | 4% | 63% |
Assurant | #7 | 38% | 3% | 67% |
Allstate | #8 | 38% | 3% | 67% |
State Farm | #9 | 38% | 2% | 73% |
NerdWallet | #10 | 25% | 4% | 65% |
American Modern Insurance Group | #11 | 25% | 3% | 85% |
 South Cumberland Insurance | #12 | 25% | 3% | 68% |
LendingTree | #13 | 25% | 3% | 75% |
HoneyQuote | #14 | 25% | 3% | 80% |
 HomeFirst Agency | #15 | 25% | 3% | 70% |
Insurify | #16 | 25% | 2% | 83% |
American Modern | #17 | 25% | 2% | 85% |
Insure.com | #18 | 25% | 1% | 65% |
Bankrate | #19 | 25% | 1% | 60% |
 Shelter Insurance | #20 | 13% | 1% | 80% |
Insurance.com | #21 | 13% | 1% | 60% |
Kin | #22 | 13% | 1% | 85% |
Gabi | #23 | 13% | 1% | 85% |
ValuePenguin | #24 | 13% | 1% | 70% |
 SmartFinancial | #25 | 13% | 1% | 50% |
Safeco | #26 | 13% | 1% | 50% |
The Hartford | #27 | 13% | 1% | 50% |
 Tower Hill | #28 | 13% | 0% | 70% |