No observed impacthome·HQ-city presence·captured 2026-04-24
Being HQ'd in the query city
Tested across 5 HQ cities. Only 1 of 10 observations matched the predicted HQ-city carrier. Bloomington IL → State Farm only on Gemini (Perplexity returned Allstate). Columbus OH (Nationwide HQ) → Cincinnati and Erie. Boston MA (Liberty Mutual HQ) → MAPFRE on both LLMs. HQ address has no observed lift.
Per-LLM run arrays
| LLM | Run 1 | Run 2 | Run 3 | Run 4 | Run 5 | Modal |
|---|---|---|---|---|---|---|
| perplexity | State Farm | Allstate | USAA | USAA | Allstate | Allstate:2/5 |
Raw data
data/probe-validation-v2-2026-04-24.json#queryId=h1-bloomington in the Phidea repository. Available as JSON at /api/observations.json.
Other observations
- Property-type naming — luxury home(home · Seems to have impact)
- Property-type naming — historic home(home · Seems to have impact)
- Property-type naming — condo(home · Seems to have impact)
- Emerging-category presence — EV insurance(auto · Seems to have impact)
- Specialty use-case ownership — inverted (rideshare)(auto · Seems to have impact)
- Specialty use-case ownership — inverted (SR-22)(auto · Seems to have impact)
- Regional monopoly — NJM owns NJ auto(auto · Seems to have impact)
- Regional monopoly — MAPFRE owns MA home(home · Seems to have impact)