{
  "name": "Home Insurance Services",
  "edition_label": "October 2026",
  "edition_updated_at": "2026-10-11",
  "slug": "home-insurance-services",
  "kind": "subcategory",
  "parent_slug": "insurance-services",
  "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services",
  "scope": "Category research. Parent-industry AOV benchmark shown as a separate reference.",
  "directory_status": "deferred",
  "page_readiness": "published",
  "directory_notice": null,
  "benchmark": {
    "status": "unavailable_insufficient_cohort",
    "slug": "home-insurance-services",
    "parent_slug": "insurance-services",
    "cohort_scope": "exact_child",
    "median_aov_usd": null,
    "p25_aov_usd": null,
    "p75_aov_usd": null,
    "metric_window": null,
    "scope_label": "The exact category cohort does not support a publishable AOV aggregate.",
    "methodology": "No publishable AOV benchmark is available for this category. Parent and sibling benchmarks are not substituted.",
    "read_at": "2026-10-11T14:09:37.376120+00:00",
    "period_label": "No publishable aggregate",
    "citation": "Madgicx Research & Labs. Home Insurance Services: no publishable AOV benchmark. The exact category cohort does not support a publishable AOV aggregate. Status reviewed 2026-10-11T14:09:37.376120+00:00. https://madgicx.com/labs/industries/insurance-services/home-insurance-services#benchmark",
    "source": {
      "name": "Madgicx Research & Labs",
      "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#benchmark"
    }
  },
  "metric_definitions": [],
  "metric_definitions_scope": "Definitions only; no ACV, MRR or ARPU benchmark or measured correlation is supplied.",
  "brands": null,
  "answers": [
    {
      "group": "In this category",
      "id": "answer-leadservices1-home-insurance-services-1",
      "question": "What must match before a home insurance ad calls one quote cheaper?",
      "text": "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.",
      "context": "",
      "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-leadservices1-home-insurance-services-1",
      "citation": "Madgicx Research & Labs. Home Insurance Services. What must match before a home insurance ad calls one quote cheaper? 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.  Source: https://content.naic.org/consumer/homeowners-insurance.htm Answer: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-leadservices1-home-insurance-services-1",
      "source_url": "https://content.naic.org/consumer/homeowners-insurance.htm"
    },
    {
      "group": "In this category",
      "id": "answer-leadservices1-home-insurance-services-2",
      "question": "Why distinguish replacement cost from actual cash value in home insurance copy?",
      "text": "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.",
      "context": "",
      "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-leadservices1-home-insurance-services-2",
      "citation": "Madgicx Research & Labs. Home Insurance Services. Why distinguish replacement cost from actual cash value in home insurance copy? 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.  Source: https://content.naic.org/consumer/homeowners-insurance.htm Answer: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-leadservices1-home-insurance-services-2",
      "source_url": "https://content.naic.org/consumer/homeowners-insurance.htm"
    },
    {
      "group": "In this category",
      "id": "answer-leadservices1-home-insurance-services-3",
      "question": "Can a standard home insurance ad imply that flood damage is included?",
      "text": "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.",
      "context": "",
      "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-leadservices1-home-insurance-services-3",
      "citation": "Madgicx Research & Labs. Home Insurance Services. Can a standard home insurance ad imply that flood damage is included? 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.  Source: https://content.naic.org/consumer/homeowners-insurance.htm Answer: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-leadservices1-home-insurance-services-3",
      "source_url": "https://content.naic.org/consumer/homeowners-insurance.htm"
    },
    {
      "group": "In this category",
      "id": "answer-leadservices1-home-insurance-services-4",
      "question": "How should renovation-related policy reviews appear in acquisition reporting?",
      "text": "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.",
      "context": "",
      "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-leadservices1-home-insurance-services-4",
      "citation": "Madgicx Research & Labs. Home Insurance Services. How should renovation-related policy reviews appear in acquisition reporting? 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.  Source: https://content.naic.org/consumer/homeowners-insurance.htm Answer: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-leadservices1-home-insurance-services-4",
      "source_url": "https://content.naic.org/consumer/homeowners-insurance.htm"
    },
    {
      "group": "Category research",
      "id": "answer-benchmark-status",
      "question": "Which AOV benchmark is shown?",
      "text": "The reference benchmark is for Insurance Services.",
      "context": "Parent industry benchmark. Snapshot read 11 October 2026.",
      "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-benchmark-status",
      "citation": "Madgicx Research & Labs. Home Insurance Services. Which AOV benchmark is shown? The reference benchmark is for Insurance Services. Parent industry benchmark. Snapshot read 11 October 2026. Source: https://madgicx.com/labs/industries/insurance-services#benchmark Answer: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-benchmark-status",
      "source_url": "https://madgicx.com/labs/industries/insurance-services#benchmark"
    },
    {
      "group": "Use this research",
      "id": "answer-download-research",
      "question": "Can I download this industry research?",
      "text": "The exports section provides this edition in Markdown and JSON, along with a research index. Credit Madgicx Research & Labs and link to the exact source. Keep its snapshot date and scope.",
      "context": "",
      "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-download-research",
      "citation": "Madgicx Research & Labs. Home Insurance Services. Can I download this industry research? The exports section provides this edition in Markdown and JSON, along with a research index. Credit Madgicx Research & Labs and link to the exact source. Keep its snapshot date and scope.  Source: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#reuse Answer: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-download-research",
      "source_url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#reuse"
    },
    {
      "group": "Use this research",
      "id": "answer-cite-research",
      "question": "How should I cite a finding from this page?",
      "text": "Credit Madgicx Research & Labs and link to the exact source. Keep its snapshot date and scope.",
      "context": "",
      "url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-cite-research",
      "citation": "Madgicx Research & Labs. Home Insurance Services. How should I cite a finding from this page? Credit Madgicx Research & Labs and link to the exact source. Keep its snapshot date and scope.  Source: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#reuse Answer: https://madgicx.com/labs/industries/insurance-services/home-insurance-services#answer-cite-research",
      "source_url": "https://madgicx.com/labs/industries/insurance-services/home-insurance-services#reuse"
    }
  ],
  "parent_benchmark_reference": {
    "scope": "parent_industry",
    "parent_slug": "insurance-services",
    "parent_name": "Insurance Services",
    "source_url": "https://madgicx.com/labs/industries/insurance-services#benchmark",
    "benchmark": {
      "status": "verified_aggregate",
      "slug": "insurance-services",
      "parent_slug": null,
      "cohort_scope": "root_and_children",
      "median_aov_usd": 74.84,
      "p25_aov_usd": 28.03,
      "p75_aov_usd": 166.01,
      "metric_window": null,
      "scope_label": "Equal-weight AOV benchmark",
      "methodology": "Median and middle 50% of observed account-level average order values in USD, with each account weighted equally. Use this range as a comparison, not a profitability measure.",
      "read_at": "2026-10-11T14:09:37.376120+00:00",
      "period_label": "Dated snapshot",
      "citation": "Madgicx Research & Labs. Insurance Services account AOV: median $74.84; middle 50% $28.03 to $166.01. Snapshot read 11 October 2026. https://madgicx.com/labs/industries/insurance-services#benchmark",
      "source": {
        "name": "Madgicx Research & Labs",
        "url": "https://madgicx.com/labs/industries/insurance-services#benchmark"
      }
    },
    "citation": "Madgicx Research & Labs. Insurance Services account AOV: median $74.84; middle 50% $28.03 to $166.01. Snapshot read 11 October 2026. https://madgicx.com/labs/industries/insurance-services#benchmark"
  }
}