How do umbrella policy matching underlying limits rules apply when my primary homeowners policy has a lower deductible than what the excess liability carrier mandates for secondary claims?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do umbrella policy matching underlying limits rules apply when my primary homeowners policy has a lower deductible than what the excess liability carrier mandates for secondary claims?
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
personal umbrella excess liability underlying insurance requirements self insured retention deductible homeowners policy liability claims Google ↗
umbrella insurance underlying policy deductible property deductible liability coverage attachment point policy wording Google ↗
- Personal Umbrella and Excess Liability Insurance · mass.gov
- What’s an Umbrella Policy? · content.naic.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
personal umbrella excess liability underlying insurance requirements self insured retention deductible homeowners policy liability claims OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
umbrella insurance underlying policy deductible property deductible liability coverage attachment point policy wording OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |