Overview Leaderboard Methodology
Industry Report

Homeowners Insurance Carriers

Insurance companies that provide policies covering dwelling structures, personal property, liability, and additional living expenses for homeowners.

Brands tracked: 31
Brands analyzed: 31
Last updated: 2026-04-23
Model: OpenAI GPT-5
Prompts: 251
Total responses: 1,260
Top Brand Overall?
State Farm
84/100

Highest overall AI Visibility Score in this industry.

LBA Leader?
State Farm
91

Highest score on the LBA metric in this industry.

Authority Leader?
State Farm
64

Highest score on the Authority metric in this industry.

TOM Leader?
State Farm
100

Highest score on the TOM metric in this industry.

State Farm leads the Homeowners Insurance Carriers category in AI responses

State Farm is the most consistently-surfaced brand when users ask AI assistants about Homeowners Insurance Carriers, but not to the point of monopolising the conversation. Amica and a handful of others appear regularly, giving users a reasonable set of alternatives to compare. The top of this leaderboard is where most of the AI-driven traffic will go.

Brand Leaderboard All 31 Homeowners Insurance Carriers brands ranked

Ranked by overall AI Visibility Score (smoothed geometric mean of LBA, Authority, and TOM with an LBA-based floor on Authority and TOM, see methodology). Click any brand for the full report.

# Brand LBA Authority TOM Overall
1
State Farm
statefarm.com
 91
64
100
84
2
Amica
amica.com
 66
43
87
63
3
USAA
usaa.com
 70
41
88
63
4
Chubb
chubb.com
 88
28
75
57
5
Allstate
allstate.com
 77
29
75
55
6
Nationwide
nationwide.com
 80
22
78
52
7
Travelers
travelers.com
 78
16
67
45
8
Progressive
progressiveintl.com
 85
24
28
39
9
Erie Insurance
erieinsurance.com
 69
9
57
35
10
Farmers
farmers.com
 77
8
55
35
11
Liberty Mutual
libertymutual.com
 69
7
45
31
12
American Family
amfam.com
 64
6
13
19
13
PURE Insurance
pureinsurance.com
 73
7
7
18
14
The Hartford
thehartford.com
 68
7
7
17
15
AAA
aaa.com
 67
7
7
16
16
Auto-Owners Insurance
auto-owners.com
 61
6
8
16
17
Cincinnati Insurance
cinfin.com
 65
6
6
16
18
Lemonade
lemonade.com
 67
7
7
16
19
Hippo
hippo.com
 59
6
6
15
20
AIG
aig.com
 57
6
6
14
21
Kin
kin.com
 57
6
6
14
22
COUNTRY Financial
countryfinancial.com
 50
5
5
13
23
CSAA Insurance Group
csaa-insurance.aaa.com
 51
5
5
13
24
Openly
openly.com
 50
5
5
13
25
Shelter Insurance
shelterinsurance.com
 52
5
5
13
26
The Hanover
hanover.com
 51
5
5
13
27
Mercury Insurance
mercuryinsurance.com
 46
5
5
12
28
Florida Peninsula Insurance
floridapeninsula.com
 33
3
3
9
29
T
Tower Hill Insurance
towerhill.com
 32
3
3
9
30
Universal Property & Casualty Insurance
universalproperty.com
 34
3
3
9
31
UPC Insurance
upcinsurance.com
 25
3
3
7

How is this calculated? Methodology

Every brand in this leaderboard is scored against the same set of 251 shared Homeowners Insurance Carriers prompts. The same prompts, same model, same iterations. So differences in scores reflect actual differences in AI visibility, not differences in measurement.

Overall AI Visibility Score
Smoothed geometric mean of LBA, Authority and TOM. Authority and TOM are floored at LBA × 0.1 before the geometric mean (the same floor used in the per-metric cards above, so brand cards and the composite tell the same story). Formula: composite = ((LBA + 5)(Authority + 5)(TOM + 5))^(1/3) - 5. The floor keeps brands the model clearly recognises but doesn't yet recommend from collapsing to zero, while a single genuinely weak metric still pulls the composite down. Full methodology.
Shared industry prompts
For Authority and TOM, all brands in the industry are scored against the same 251 category prompts (e.g. "best SEO tools for agencies"). This makes brand-to-brand comparisons valid - everyone faces identical inputs. LBA prompts are per-brand because they ask brand-specific questions.
Latent Brand Association (LBA)
5 brand probes + 1 control prompt, each run 5 times in recall mode (no web search). LBA = quality × meta × stability × share × recognition × 100. Read the full LBA methodology →
LLM Authority
50 organic category prompts (discovery, comparison, problem and transactional intents), each run once in recall mode and once in retrieval mode. Score = frequency × log-decayed prominence × intent weight, then 50/50 averaged across the two modes. Read the full Authority methodology →
Top of Mind (TOM)
15 high-volume discovery prompts (sourced from Keywords Everywhere search-volume data), each run 5 times in pure recall mode (no web). Score = frequency × (0.5 + 0.5 × log-prominence), volume-weighted. Read the full TOM methodology →