Home Insurance Services

NAIC identifies coverage limits and deductibles as factors in home insurance pricing. Compare those terms alongside the quote rather than treating price alone as evidence of better value; the campaign’s lead count cannot establish equivalence between two policies.

NAIC's US consumer guide defines replacement cost as the amount needed to repair or rebuild using similar materials, without deducting depreciation; actual cash value deducts depreciation. Actual policy terms govern coverage. Make the advertised valuation basis clear before comparing offers; those coverage definitions are not measured savings or advertising purchase values.

NAIC's US consumer guide says standard homeowners policies generally do not cover flood damage. Verify the actual product before presenting flood protection, and distinguish a separate flood-cover inquiry from the home-policy funnel. A house image or broad protection headline does not establish that coverage.

NAIC advises reviewing coverage when additions or remodeling change a home’s needs. Treat an existing customer’s coverage-review request as a different intent from a new policy purchase, so a review campaign does not inflate reported customer acquisition.

The reference benchmark is for Insurance Services.

Parent industry benchmark. Snapshot read 11 October 2026.

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Credit Madgicx Research & Labs and link to the exact source. Keep its snapshot date and scope.