Real ChatGPT answer · index seedAoexJTx902UcompleteInsurance · home insuranceinformational

What happens to my homeowners insurance rates if my teenager backs our car into the garage door, causing significant structural damage to the house?

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What happens to my homeowners insurance rates if my teenager backs our car into the garage door, causing significant structural damage to the house?
2 real searches · 1 real-search pass
New York homeowners insurance premium increase after claim accidental vehicle damage own house garage insurer claim surchargeGoogle ↗
OBSERVEDConsequence
New York homeowners insurance policy vehicle collision damage to insured's own dwelling garage homeowners coverageGoogle ↗
OBSERVEDComparison

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparison50%Consequence50%ReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
New York homeowners insurance premium increase after claim accidental vehicle damage own house garage insurer claim surcharge Google ↗
New York homeowners insurance policy vehicle collision damage to insured's own dwelling garage homeowners coverage Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
New York homeowners insurance premium increase after claim accidental vehicle damage own house garage insurer claim surcharge
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
New York homeowners insurance policy vehicle collision damage to insured's own dwelling garage homeowners coverage
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1