Small / conditional impacthome·specialty-peril coverage (saturated category)·captured 2026-04-24
Specialty-peril coverage — high-value jewelry
Chubb wins jewelry-coverage queries 5/5 on both LLMs. Specialty-peril surfacing replicates cleanly when the category itself has saturated editorial coverage (high-net-worth = Chubb's editorial home turf).
Query
What's the best insurance in Seattle for high-value jewelry coverage?
Prediction: Chubb — high-net-worth editorial saturation
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
Note
Wildfire and flood specialty perils do NOT replicate at this level — generalists win those by default. Specialty wins are conditional on editorial saturation.
Raw data
data/probe-validation-v2-2026-04-24.json#queryId=h3-jewelry in the Phidea repository. Available as JSON at /api/observations.json.
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