Real ChatGPT answer + Gemini simulation · index seedtEgjpg21pW4completeAI OverviewReal estate · housing marketscomparison
What are current homeowner insurance costs like in Miami versus Tampa for a family house with a pool and a roof over fifteen years old
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search38 queries10/30/2026
Download run
Gemini unique queries
36
0 in ≥ half the passes · stability 33%
ChatGPT real searches predicted
100%
2 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
What are current homeowner insurance costs like in Miami versus Tampa for a family house with a pool and a roof over fifteen years old
36 unique queries · 3 passes
roof age and pool underwriting rules
20 queries · 20 hits
home insurance rates miami family home pool old roof1xGoogle ↗
REFORMULATION
roof age insurance requirements florida 15 years old1xGoogle ↗
IMPLICIT
how does an old roof affect homeowners insurance florida1xGoogle ↗
IMPLICIT
how does a swimming pool affect homeowners insurance florida1xGoogle ↗
RELATED
swimming pool liability insurance requirements florida1xGoogle ↗
RELATED
florida home insurance 15 year old roof policy rules1xGoogle ↗
RELATED
florida home insurance companies writing policies for old roofs1xGoogle ↗
RELATED
florida citizens property insurance rates and eligibility1xGoogle ↗
ENTITY EXPANSION
florida roof age limit home insurance 20241xGoogle ↗
IMPLICIT
ways to lower home insurance premium florida high risk features1xGoogle ↗
RELATED
ways to lower home insurance florida roof pool1xGoogle ↗
PERSONALIZED
high risk property insurance florida pool and old roof1xGoogle ↗
ENTITY EXPANSION
florida roof age rule home insurance 15 years1xGoogle ↗
RELATED
pool safety liability insurance requirements florida houses1xGoogle ↗
ENTITY EXPANSION
florida homeowners insurance discounts for new roof or pool fence1xGoogle ↗
RELATED
florida roof replacement insurance discounts rules1xGoogle ↗
IMPLICIT
home insurance calculator florida pool roof1xGoogle ↗
IMPLICIT
does homeowners insurance cover roof replacement over 15 years old florida1xGoogle ↗
RELATED
florida roof replacement requirement for home insurance1xGoogle ↗
IMPLICIT
citizens property insurance florida eligibility old roof pool1xGoogle ↗
ENTITY EXPANSION
miami versus tampa premium comparisons
16 queries · 16 hits
miami vs tampa homeowners insurance rates 20241xGoogle ↗
COMPARATIVE
miami vs tampa homeowners insurance average cost 20241xGoogle ↗
COMPARATIVE
average home insurance cost miami vs tampa1xGoogle ↗
COMPARATIVE
average home insurance cost miami florida family house1xGoogle ↗
REFORMULATION
how much is home insurance in miami for house with pool1xGoogle ↗
ENTITY EXPANSION
home insurance tampa fl single family home rates1xGoogle ↗
REFORMULATION
average home insurance cost florida single family home1xGoogle ↗
REFORMULATION
home insurance premium calculator florida1xGoogle ↗
PERSONALIZED
citizens property insurance florida rates miami tampa1xGoogle ↗
ENTITY EXPANSION
why is miami home insurance more expensive than tampa1xGoogle ↗
COMPARATIVE
tampa homeowners insurance cost trends 20261xGoogle ↗
REFORMULATION
calculate home insurance quote florida interactive tool1xGoogle ↗
PERSONALIZED
miami property insurance crisis market update1xGoogle ↗
RELATED
why is property insurance so high in miami compared to tampa1xGoogle ↗
COMPARATIVE
tampa homeowners insurance trends and rate hikes1xGoogle ↗
REFORMULATION
best home insurance companies miami florida1xGoogle ↗
ENTITY EXPANSION
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. 36 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-6100% predicted
2026 Florida homeowners insurance average premiums Miami-Dade Tampa Hillsborough county roof age 15 years pool insurance rates Google ↗
Florida homeowners insurance Miami vs Tampa 2026 average premium roof age underwriting pool liability Google ↗
- Florida Homeowners Insurance Rates 2026, by County · maruinsurance.com
- Florida Homeowners Insurance Rates by County in 2026 · insightsoninsurance.com
- Flood Insurance in Florida: 2026 Cost and Coverage Guide · nerdwallet.com
- The Best Homeowners Insurance in Florida in 2026 · nerdwallet.com
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
36 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
miami vs tampa homeowners insurance rates 2024 COMPARATIVE | Google ↗ AI Mode ↗ | Compare average annual home insurance premiums between Miami and Tampa to see which city is more expensive. | — | comparison_table | miami versus tampa premium comparisons | 1x of 3 | |
miami vs tampa homeowners insurance average cost 2024 COMPARATIVE | Google ↗ AI Mode ↗ | Compare the average annual homeowners insurance premiums between Miami and Tampa. | — | comparison_table | miami versus tampa premium comparisons | 1x of 3 | |
average home insurance cost miami vs tampa COMPARATIVE | Google ↗ AI Mode ↗ | Compare typical annual homeowners insurance premiums between Miami and Tampa. | — | comparison_table | miami versus tampa premium comparisons | 1x of 3 | |
average home insurance cost miami florida family house REFORMULATION | Google ↗ AI Mode ↗ | Find specific average home insurance costs for a standard family home in Miami. | — | web_article | miami versus tampa premium comparisons | 1x of 3 | |
how much is home insurance in miami for house with pool ENTITY EXPANSION | Google ↗ AI Mode ↗ | Find specific insurance cost impacts for owning a residential swimming pool in Miami. | — | web_article | miami versus tampa premium comparisons | 1x of 3 | |
home insurance rates miami family home pool old roof REFORMULATION | Google ↗ AI Mode ↗ | Find specific insurance cost estimates for a home with high-risk features in Miami. | — | web_article | roof age and pool underwriting rules | 1x of 3 | |
home insurance tampa fl single family home rates REFORMULATION | Google ↗ AI Mode ↗ | Discover typical home insurance rates for single-family houses in Tampa. | — | web_article | miami versus tampa premium comparisons | 1x of 3 | |
roof age insurance requirements florida 15 years old IMPLICIT | Google ↗ AI Mode ↗ | Understand how a roof over 15 years old affects insurance eligibility and pricing in Florida. | — | faq_page | roof age and pool underwriting rules | 1x of 3 | |
how does an old roof affect homeowners insurance florida IMPLICIT | Google ↗ AI Mode ↗ | Understand the insurance implications and underwriting rules for roofs over 15 years old in Florida. | — | faq_page | roof age and pool underwriting rules | 1x of 3 | |
how does a swimming pool affect homeowners insurance florida RELATED | Google ↗ AI Mode ↗ | Understand how liability coverage and insurance costs change when a property has a swimming pool in Florida. | — | faq_page | roof age and pool underwriting rules | 1x of 3 | |
average home insurance cost florida single family home REFORMULATION | Google ↗ AI Mode ↗ | Get a baseline understanding of single-family home insurance costs across Florida. | — | dataset | miami versus tampa premium comparisons | 1x of 3 | |
swimming pool liability insurance requirements florida RELATED | Google ↗ AI Mode ↗ | Learn about liability coverage minimums and cost impacts for residential swimming pools in Florida. | — | buyers_guide | roof age and pool underwriting rules | 1x of 3 | |
florida home insurance 15 year old roof policy rules RELATED | Google ↗ AI Mode ↗ | Learn insurance company rules, requirements, and surcharges for roofs that are over 15 years old in Florida. | — | buyers_guide | roof age and pool underwriting rules | 1x of 3 | |
florida home insurance companies writing policies for old roofs RELATED | Google ↗ AI Mode ↗ | Identify which insurance providers in Florida still accept homes with roofs over 15 years old. | — | buyers_guide | roof age and pool underwriting rules | 1x of 3 | |
florida citizens property insurance rates and eligibility ENTITY EXPANSION | Google ↗ AI Mode ↗ | Explore state-backed insurance options for homes that struggle to find private coverage due to age or location. | — | web_article | roof age and pool underwriting rules | 1x of 3 | |
florida roof age limit home insurance 2024 IMPLICIT | Google ↗ AI Mode ↗ | Find out if insurers will deny coverage or require replacement for a roof older than 15 years. | — | faq_page | roof age and pool underwriting rules | 1x of 3 | |
ways to lower home insurance premium florida high risk features RELATED | Google ↗ AI Mode ↗ | Discover mitigation strategies to reduce high insurance costs caused by pools and old roofs. | — | how_to_steps | roof age and pool underwriting rules | 1x of 3 | |
ways to lower home insurance florida roof pool PERSONALIZED | Google ↗ AI Mode ↗ | Find actionable discounts or mitigation strategies to reduce high insurance premiums for homes with pools and old roofs. | — | checklist | roof age and pool underwriting rules | 1x of 3 | |
high risk property insurance florida pool and old roof ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify specialty or high-risk insurance options for Florida homes with multiple risk factors like pools and aged roofs. | — | web_article | roof age and pool underwriting rules | 1x of 3 | |
home insurance premium calculator florida PERSONALIZED | Google ↗ AI Mode ↗ | Estimate personalized home insurance costs based on specific property characteristics in Florida. | — | calculator/tool | miami versus tampa premium comparisons | 1x of 3 | |
florida roof age rule home insurance 15 years RELATED | Google ↗ AI Mode ↗ | Check whether insurance companies will drop or deny coverage for a roof that is 15 years old or older. | — | glossary/definition | roof age and pool underwriting rules | 1x of 3 | |
citizens property insurance florida rates miami tampa ENTITY EXPANSION | Google ↗ AI Mode ↗ | Check rates for Florida's state-backed insurer of last resort in Miami and Tampa. | — | pricing_page | miami versus tampa premium comparisons | 1x of 3 | |
why is miami home insurance more expensive than tampa COMPARATIVE | Google ↗ AI Mode ↗ | Understand the regional and environmental factors causing cost discrepancies between Miami and Tampa. | — | web_article | miami versus tampa premium comparisons | 1x of 3 | |
tampa homeowners insurance cost trends 2026 REFORMULATION | Google ↗ AI Mode ↗ | Get the most up-to-date pricing data for property insurance in the Tampa metropolitan area. | — | pricing_page | miami versus tampa premium comparisons | 1x of 3 | |
calculate home insurance quote florida interactive tool PERSONALIZED | Google ↗ AI Mode ↗ | Use an online tool to estimate custom insurance costs based on specific home features like roof age and pool. | — | calculator/tool | miami versus tampa premium comparisons | 1x of 3 | |
pool safety liability insurance requirements florida houses ENTITY EXPANSION | Google ↗ AI Mode ↗ | Learn about liability coverage minimums and safety fencing rules for pools in Florida. | — | checklist | roof age and pool underwriting rules | 1x of 3 | |
miami property insurance crisis market update RELATED | Google ↗ AI Mode ↗ | Understand why Miami insurance rates are exceptionally high compared to the rest of the country. | — | pdf_whitepaper | miami versus tampa premium comparisons | 1x of 3 | |
florida homeowners insurance discounts for new roof or pool fence RELATED | Google ↗ AI Mode ↗ | Find ways to lower insurance premiums when having an older roof or a backyard pool in Florida. | — | checklist | roof age and pool underwriting rules | 1x of 3 | |
florida roof replacement insurance discounts rules IMPLICIT | Google ↗ AI Mode ↗ | Find out if replacing an old roof leads to significant insurance savings in Florida. | — | faq_page | roof age and pool underwriting rules | 1x of 3 | |
home insurance calculator florida pool roof IMPLICIT | Google ↗ AI Mode ↗ | Estimate specific premium costs based on individual house characteristics like a pool and old roof. | — | calculator/tool | roof age and pool underwriting rules | 1x of 3 | |
why is property insurance so high in miami compared to tampa COMPARATIVE | Google ↗ AI Mode ↗ | Understand the regional risk differences, hurricane exposure, and litigation factors causing cost gaps between Miami and Tampa. | — | web_article | miami versus tampa premium comparisons | 1x of 3 | |
tampa homeowners insurance trends and rate hikes REFORMULATION | Google ↗ AI Mode ↗ | Examine recent insurance market trends and rate increases specific to Tampa. | — | pdf_whitepaper | miami versus tampa premium comparisons | 1x of 3 | |
best home insurance companies miami florida ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify top-rated insurance carriers currently writing policies in the Miami market. | — | review_roundup | miami versus tampa premium comparisons | 1x of 3 | |
does homeowners insurance cover roof replacement over 15 years old florida RELATED | Google ↗ AI Mode ↗ | Determine claim payouts and replacement cost versus actual cash value rules for older roofs in Florida. | — | forum/qna | roof age and pool underwriting rules | 1x of 3 | |
florida roof replacement requirement for home insurance IMPLICIT | Google ↗ AI Mode ↗ | Determine when an insurance company will force a roof replacement due to age before renewing a policy. | — | how_to_steps | roof age and pool underwriting rules | 1x of 3 | |
citizens property insurance florida eligibility old roof pool ENTITY EXPANSION | Google ↗ AI Mode ↗ | Check if high-risk homes with old roofs and pools qualify for coverage through Florida's insurer of last resort. | — | forum/qna | roof age and pool underwriting rules | 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 | — | 925 / 1,519 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 925 / 1,495 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 925 / 1,446 |