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Last updated: December 2025

The Top Home Insurance Brands Winning In AI Search

We track thousands of real ChatGPT conversations daily to find the most visible brands in AI search.

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Top sources shaping AI answers

These domains shape what AI search engines recommend. Understanding citation patterns reveals how to build AI authority in your category.

#Source
Share of citations
1.insurance.com7%
2.forbes.com5%
3.lifestoryresearch.com4%
4.bankrate.com4%
5.insure.com3%
6.airbnb.com3%
7.legalclarity.org2%
8.lendingtree.com2%
9.policygenius.com2%
10.nerdwallet.com2%
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AI Search Visibility Insights

AI search visibility research by user intent

Discover what types of sources are cited most in AI Search Answers, by business model, category and search intent.

Source link type
All
Search Queries%no. of links
Awareness
Search Queries%no. of links
Consideration
Search Queries%no. of links
Decision
Search Queries%no. of links

*This study was conducted using On Target AI and is focused on the Unites States market.

Research foundation

Behind the numbers: uncovering real AI search queries.

What types of search queries did we run?

We reverse-engineered actual user queries instead of guessing what people search for.

  • Awareness search queries:

    users are problem-aware, but not solution-aware

    (e.g. "Who will cover the damage costs if there is a wildfire?")
  • Consideration search queries:

    users are weighing possible solutions

    (e.g. "Do I need extra coverage if I rent out my house on Airbnb?")
  • Decision search queries:

    users are choosing between vendors or brands

    (e.g. "What are the most trustworthy insurance companies that cover damage from hurricanes, wildfires, or tornadoes and have a good reputation for paying out claims fairly?")
Awareness stage
Consideration stage
Decision stage
Research illustration

Where did we find these queries?

We used On Target AI to identify common ways people ask questions or describe pain points, and tied them back to search intent:

Reddit & Quora mining:
We analyzed the most engaged posts and comments to extract authentic user queries.
Social Media & Review sites:
We looked at real product reviews and active social media communities to find common ways people describe their issues, or ask questions.
Audience research:
We reviewed survey responses, interview transcripts, and customer support logs from a leading Home Insurance brand to uncover additional queries buyers actually use.

The result?

A dataset grounded in real-world conversations and customer intent - not assumptions or keyword tools.

Key findings based on user intent

Our biggest takeaways from this study

What makes home insurance brands show up in early-stage ("problem-aware") queries

At the awareness stage, users are searching for things like:

  1. 1. "If a tree fells on my house during storm, who pays for the damage?"
  2. 2. "Who pays if upstairs neighbor’s pipe bursts and floods my apartment?"
  3. 3. "Who will cover the damage costs if there is a wildfire?"

Most cited category: Business

Sites like legalclarity.org, progressive.com, and bankrate.com make up 39.3% of citations for awareness stage queries.

Most cited page type: Article

Articles seem to get cited more than any other type of content here.

Most recommended brand: FEMA

FEMA appears in 75.0% of all awareness stage conversations with ChatGPT, with an average position of 1.8.

Awareness stage search results
Awareness stage

What makes home insurance brands visible in mid-funnel ("solution comparison") queries

At the consideration stage, users are asking things like:

  1. 1. "Do I need extra coverage if I rent out my house on Airbnb?"
  2. 2. "What insurance should I buy for a rental property?"
  3. 3. "What type of home insurance covers both house and personal property?"

Most cited category: Business

Sites like airbnb.com, baselane.com, and progressive.com make up 48.4% of citations for consideration stage queries.

Most cited page type: Article

Articles seem to get cited more than any other type of content here.

Most recommended brand: Airbnb

Airbnb appears in 100.0% of all consideration stage conversations with ChatGPT, with an average position of 1.0.

Consideration stage search results
Consideration stage

What makes home insurance brands surface in purchase-ready ("brand vs. brand") queries

Decision-stage prompts are the most direct, and where ChatGPT most clearly lists and ranks specific brands. Examples include:

  1. 1. "What are the most trustworthy insurance companies that cover damage from floods or earthquakes and have a good reputation for paying out claims fairly?"
  2. 2. "Looking for a home insurance company, that has been in business for a long time, have good reviews online and they are know for paying claims fairly."
  3. 3. "What are the most trustworthy insurance companies that cover both home and auto insurance?"

Most cited category: Business

Sites like insurance.com, forbes.com, and lifestoryresearch.com make up 47.7% of citations for decision stage queries.

Most cited page type: Listicle

Listicles seem to get cited more than any other type of content here.

Most recommended brand: State Farm

State Farm appears in 88.0% of all decision stage conversations with ChatGPT, with an average position of 4.0.

Decision stage search results
Decision stage

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Categories we track

Ecommerce
Air FryerAir PurifierElectric Tooth BrushErgonomic Office ChairMatcha PowderMilk FoamerOrganic Dog FoodPremium Bed LinenPremium MatressProtein PowderRunning ShoeSmart Thermostat For HomeSmartwatchStanding DeskWater Filter
B2B Tech Products
Ecommerce Low Code ToolEcommerce Payment ProcessorEmail Marketing AutomationInternational Ecommerce Shipping ServicesInvoicing SoftwarePassword ManagerPre Employment Assessment ToolProject Management SolutionSales CRMSocial Media Management ToolTax Filling SoftwareTime Tracking SolutionWebsite Error MonitoringWebsite Heatmaps SolutionWebsite Survey Solution
Consumer Services
Electricity ServicesHome InsuranceInternet ServicesLandscaping & Lawn ServicesMoving ServicesPlumbing ServicesStorage ServicesTravel AgenciesVeterinary Services

Frequently
asked questions

What is the AI Visibility Leaderboard?

The AI Visibility Leaderboard ranks Home Insurance brands based on how prominently they appear in AI-generated answers across tools like ChatGPT. It's a snapshot of which brands are most visible when users ask questions about Home Insurance at different stages of their buying journey.

How does the AI Visibility Leaderboard work?

Every day, we run prompts across three buyer-intent stages: Awareness, Consideration, and Decision. We record which brands AI mentions, how frequently they appear, and in what context. Those results are then aggregated into a visibility score and ranking that reflects how dominant each brand is across AI search experiences.

What does the AI Visibility Leaderboard measure?

It measures how frequently and favorably brands are referenced by AI models when people ask questions about Home Insurance. Higher visibility means a brand is more likely to be surfaced in AI recommendations, similar to ranking higher in search engine results.

How do you measure AI Visibility?

AI Visibility is measured by two key metrics: 1. AI visibility score: Measures how often each brand appears in AI responses as a percentage of total responses the brand was mentioned in. 2.Average position: Your average rank in AI recommendation lists.

How often is the AI Visibility Leaderboard being updated?

We update the leaderboard weekly, but our system runs all prompts daily to capture any changes in how AI engines answer over time.

Why don't I see my company in the rankings?

Our public leaderboard only displays the top 10 Home Insurance brands based on their AI Visibility Scores. If your brand doesn't appear, it likely means it didn't make the top 10 for this category during the time period of the analysis, even if it ranked close (for example, #11 or #12). Your brand may still be mentioned by ChatGPT in responses and could appear in the top 20 or top 30 when looking at the full dataset.

How accurate are these rankings?

Our rankings are based on daily, repeatable, and unbiased testing using consistent prompts and evaluation criteria. While AI variability does exist, we run ongoing daily queries to smooth out fluctuations and ensure reliable trends, reflecting authentic user experiences.

Can I request a new category?

Yes! We're continuously expanding into new verticals. If you'd like to see your industry or niche analyzed next, reach out through our contact form to submit a category request.

Is the AI Visibility Leaderboard free?

Yes, the public version of the leaderboard is free to explore. Deeper insights, including brand-level trend reports and citation source breakdowns, are available to On Target AI customers.