Real ChatGPT answer + Gemini simulation · index seedPDjDAYz0C1EcompleteAI OverviewReal estate · housing marketsinformational
Does the Realtor.com mortgage calculator include current homeowners insurance estimates for coastal areas like Miami where rates have skyrocketed recently?
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search36 queries10/30/2026
Download run
Gemini unique queries
34
2 in ≥ half the passes · stability 35%
ChatGPT real searches predicted
50%
1 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Does the Realtor.com mortgage calculator include current homeowners insurance estimates for coastal areas like Miami where rates have skyrocketed recently?
34 unique queries · 3 passes
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)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 34 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT2 real searches · gpt-650% predicted
Miami Florida homeowners insurance premiums 2026 coastal rates mortgage calculator estimate Google ↗
Realtor.com mortgage calculator homeowners insurance estimate how calculated insurance property tax Google ↗
- Florida Home Insurance Cost by County (2026): Average Rates in All 67 Counties · insurehunt.com
- GAO-26-107867, HOMEOWNERS INSURANCE: Premiums Generally Tracked Inflation but Rose More in Disaster-Prone Areas · gao.gov
- Florida Office of Insurance Regulation – CHOICES · floir.gov
- FEMA FloodSmart · floodsmart.gov
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
34 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
does realtor.com mortgage calculator include homeowners insurance REFORMULATION | Google ↗ AI Mode ↗ | Find out if the standard Realtor.com mortgage calculator features a field or estimate for homeowners insurance. | — | calculator/tool | realtor calculator insurance features | 2x of 3 | |
zillow vs realtor.com mortgage calculator insurance accuracy COMPARATIVE | Google ↗ AI Mode ↗ | Compare how Realtor.com and Zillow handle property insurance estimates in high-risk zones. | — | comparison_table | mortgage calculator platform comparison | 2x of 3 | |
does realtor com mortgage calculator include homeowners insurance miami REFORMULATION | Google ↗ AI Mode ↗ | Find out if the specific calculator on Realtor.com factors in homeowners insurance for Miami. | — | faq_page | realtor calculator insurance features | 1x of 3 | |
how accurate is realtor com mortgage calculator insurance estimate RELATED | Google ↗ AI Mode ↗ | Understand how reliable or realistic the built-in insurance estimates are on Realtor.com. | — | review_roundup | calculator estimate accuracy | 1x of 3 | |
how accurate is realtor com homeowners insurance estimate RELATED | Google ↗ AI Mode ↗ | Understand the reliability and source of the insurance estimates provided by Realtor.com. | — | web_article | calculator estimate accuracy | 1x of 3 | |
how accurate is realtor.com homeowners insurance estimate miami RELATED | Google ↗ AI Mode ↗ | Understand the reliability of Realtor.com's insurance estimates specifically for high-risk coastal property markets. | — | faq_page | calculator estimate accuracy | 1x of 3 | |
how do mortgage calculators estimate high risk coastal insurance rates IMPLICIT | Google ↗ AI Mode ↗ | Discover the underlying data sources and methods used to calculate insurance in high-risk zones. | — | web_article | coastal insurance calculation tools | 1x of 3 | |
why are miami homeowners insurance rates so high right now IMPLICIT | Google ↗ AI Mode ↗ | Learn the underlying macroeconomic and regional factors driving up insurance costs in Miami. | — | web_article | miami insurance crisis impact | 1x of 3 | |
mortgage calculators with accurate coastal homeowners insurance IMPLICIT | Google ↗ AI Mode ↗ | Discover which online mortgage calculators actually account for recent massive hikes in coastal property insurance. | — | comparison_table | coastal insurance calculation tools | 1x of 3 | |
realtor com vs Zillow mortgage calculator insurance accuracy COMPARATIVE | Google ↗ AI Mode ↗ | Compare how Realtor.com and Zillow handle property insurance estimates in their mortgage tools. | — | comparison_table | mortgage calculator platform comparison | 1x of 3 | |
florida miami homeowners insurance crisis impact on mortgage payments ENTITY EXPANSION | Google ↗ AI Mode ↗ | Examine the specific financial impact of surging insurance rates in Miami on total monthly housing costs. | — | case_study | miami insurance crisis impact | 1x of 3 | |
best mortgage calculators with real time property tax and high risk insurance ENTITY EXPANSION | Google ↗ AI Mode ↗ | Discover alternative financial tools that specialize in accurate estimates for high-risk regions. | — | calculator/tool | coastal insurance calculation tools | 1x of 3 | |
florida homeowners insurance crisis impact on mortgage payments ENTITY EXPANSION | Google ↗ AI Mode ↗ | Understand the broader financial context of how surging insurance rates in Florida affect total monthly housing costs. | — | web_article | miami insurance crisis impact | 1x of 3 | |
best mortgage calculators for high homeowners insurance areas PERSONALIZED | Google ↗ AI Mode ↗ | Identify specialized mortgage calculators that accurately reflect expensive insurance regions. | — | buyers_guide | coastal insurance calculation tools | 1x of 3 | |
buying a home in miami high insurance cost budgeting PERSONALIZED | Google ↗ AI Mode ↗ | Get practical financial guidance on how to budget for extreme homeowners insurance when purchasing in Miami. | — | buyers_guide | miami insurance crisis impact | 1x of 3 | |
calculating total monthly housing payment with high insurance PERSONALIZED | Google ↗ AI Mode ↗ | Learn how to manually calculate or adjust a mortgage payment breakdown when insurance costs are exceptionally high. | — | how_to_steps | coastal insurance calculation tools | 1x of 3 | |
does realtor com allow manual home insurance input in mortgage calculator REFORMULATION | Google ↗ AI Mode ↗ | Determine if users can override default estimates with their own custom insurance quotes. | — | how_to_steps | realtor calculator insurance features | 1x of 3 | |
does mortgage calculator include hazard insurance by default REFORMULATION | Google ↗ AI Mode ↗ | Clarify whether standard mortgage calculators automatically incorporate hazard and homeowners insurance into monthly payments. | — | glossary/definition | realtor calculator insurance features | 1x of 3 | |
how do mortgage calculators estimate homeowners insurance REFORMULATION | Google ↗ AI Mode ↗ | Learn the underlying methodology and data sources online calculators use to generate default insurance costs. | — | glossary/definition | calculator estimate accuracy | 1x of 3 | |
average homeowners insurance cost miami coastal florida RELATED | Google ↗ AI Mode ↗ | Find current average insurance premium data for coastal Miami properties. | — | dataset | miami insurance crisis impact | 1x of 3 | |
average cost of homeowners insurance miami 2024 RELATED | Google ↗ AI Mode ↗ | Find recent data points regarding typical insurance premiums in Miami to benchmark calculator estimates. | — | dataset | miami insurance crisis impact | 1x of 3 | |
miami average homeowners insurance cost 2024 RELATED | Google ↗ AI Mode ↗ | Find current benchmark insurance premiums for homes in Miami to compare against calculator defaults. | — | dataset | miami insurance crisis impact | 1x of 3 | |
how mortgage lenders calculate monthly insurance escrow IMPLICIT | Google ↗ AI Mode ↗ | Learn the standard financial formulas used to escrow homeowners insurance into monthly mortgage payments. | — | glossary/definition | coastal insurance calculation tools | 1x of 3 | |
how do real estate websites estimate homeowners insurance IMPLICIT | Google ↗ AI Mode ↗ | Understand the algorithms and data feeds real estate portals use to generate default insurance figures. | — | pdf_whitepaper | calculator estimate accuracy | 1x of 3 | |
realtor com mortgage calculator custom insurance input IMPLICIT | Google ↗ AI Mode ↗ | Determine if users can manually override the default insurance estimate on Realtor.com's calculator. | — | faq_page | realtor calculator insurance features | 1x of 3 | |
zillow mortgage calculator vs redfin vs realtor com insurance defaults COMPARATIVE | Google ↗ AI Mode ↗ | Compare insurance default calculation methods across three major real estate portals. | — | comparison_table | mortgage calculator platform comparison | 1x of 3 | |
redfin vs realtor com calculator features COMPARATIVE | Google ↗ AI Mode ↗ | See how Redfin's mortgage estimation features stack up against Realtor.com. | — | review_roundup | mortgage calculator platform comparison | 1x of 3 | |
why are mortgage calculator insurance estimates so low in florida RELATED | Google ↗ AI Mode ↗ | Investigate why standard automated financial tools often fail to capture localized insurance spikes. | — | forum/qna | miami insurance crisis impact | 1x of 3 | |
miami property insurance rate hike impact on home buyers ENTITY EXPANSION | Google ↗ AI Mode ↗ | Understand how surging insurance premiums in Miami affect buyer purchasing power and affordability. | — | pdf_whitepaper | miami insurance crisis impact | 1x of 3 | |
florida windstorm insurance impact on mortgage monthly payment RELATED | Google ↗ AI Mode ↗ | Learn how specialized windstorm and hurricane coverage affects total monthly housing expenses in Florida. | — | web_article | miami insurance crisis impact | 1x of 3 | |
best mortgage tools for buying home in high risk flood zone ENTITY EXPANSION | Google ↗ AI Mode ↗ | Find specialized financial planning resources for purchasing properties in areas prone to climate and insurance risks. | — | buyers_guide | coastal insurance calculation tools | 1x of 3 | |
redfin vs realtor.com financial calculators property tax and insurance COMPARATIVE | Google ↗ AI Mode ↗ | Compare the granularity of escrow estimates between Redfin and Realtor.com. | — | comparison_table | mortgage calculator platform comparison | 1x of 3 | |
frequently asked questions about realtor com mortgage calculator features RELATED | Google ↗ AI Mode ↗ | Browse common questions regarding customization, taxes, and insurance settings on Realtor.com. | — | faq_page | realtor calculator insurance features | 1x of 3 | |
how to manually add high insurance estimate to online mortgage calculator ENTITY EXPANSION | Google ↗ AI Mode ↗ | Learn the steps to customize default calculator inputs to reflect true local insurance premiums. | — | how_to_steps | coastal insurance calculation tools | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 919 / 1,493 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 919 / 1,460 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 919 / 1,398 |