Seems to have impacthome·property-type naming·captured 2026-04-24
Property-type naming — luxury home
Chubb wins luxury-home queries on both LLMs at the maximum stability we measured. Cross-LLM agreement at 5/5 + 5/5; under the null this is ~1 in 39 billion.
Query
What's the best housing insurance for a luxury home in Seattle?
Prediction: Chubb — high-net-worth specialist with saturated editorial coverage
Per-LLM run arrays
| LLM | Run 1 | Run 2 | Run 3 | Run 4 | Run 5 | Modal |
|---|---|---|---|---|---|---|
| perplexity | Chubb | Chubb | Chubb | Chubb | Chubb | Chubb:5/5 |
| gemini | Chubb | Chubb | Chubb | Chubb | Chubb | Chubb:5/5 |
Carriers winning this query
- Chubb
Reference pages LLMs cite
Raw data
data/probe-validation-v2-2026-04-24.json#queryId=h2-luxury in the Phidea repository. Available as JSON at /api/observations.json.
Other observations
- 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)
- Specialty-peril coverage — high-value jewelry(home · Small / conditional impact)