My home insurance rate just doubled after I filed a single water damage claim last winter so can you list the best insurance companies for people with recent claims history who are actively shopping around for a cheaper rate
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My home insurance rate just doubled after I filed a single water damage claim last winter so can you list the best insurance companies for people with recent claims history who are actively shopping around for a cheaper rate
2 real searches · 1 real-search pass
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.
Searches and sources
ChatGPT2 real searches · gpt-6
best homeowners insurance companies recent water damage claim history one claim underwriting rates 2026 US Google ↗
homeowners insurance companies accept prior water damage claims claim forgiveness underwriting 2026 United States Google ↗
- Get a State Farm quote · statefarm.com
- Get a Nationwide quote · nationwide.com
- Get a USAA quote · usaa.com
- Get a Liberty Mutual quote · libertymutual.com
- Get a Travelers quote · travelers.com
- Get an Erie quote · erieinsurance.com
- Get an Amica quote · amica.com
- Does Homeowners Insurance Cover Water Damage? · thezebra.com
- The Cheapest Homeowners Insurance in 2026 · nerdwallet.com
- LexisNexis Consumer Disclosure · consumer.risk.lexisnexis.com
- Should You Switch Homeowners Insurers? · consumerreports.org
- How long do homeowners insurance claims stay on your record? · insurance.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
best homeowners insurance companies recent water damage claim history one claim underwriting rates 2026 US OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
homeowners insurance companies accept prior water damage claims claim forgiveness underwriting 2026 United States OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |