Q2 Home & Auto Insurance Report

Q2 Home & Auto Insurance Report

Q2 Home & Auto Insurance Report

Q2 Home & Auto Insurance Report

Six carriers. Five promises. Proof nobody is selling.

Six carriers. Five promises. Proof nobody is selling.

Six carriers. Five promises. Proof nobody is selling.

The category markets the quote. Your customers remember the claim.

The category markets the quote.
Your customers remember the claim.

The category markets the quote.
Your customers remember the claim.

$1.1B in measured non-search media, 88% of it behind the cohort’s two least differentiated propositions. The Q2 report shows where each carrier can find separation and what it should do next.

$1.1B in measured non-search media, 88% of
it behind the cohort’s two least differentiated propositions. The Q2 report shows where each carrier can find separation and what it should
do next.

$1.1B in measured non-search media, 88% of it behind the cohort’s two least differentiated propositions. The Q2 report shows where each carrier can find separation and what it should do next.

Six carriers spent $1.1B in three months
to make the same four claims. Two of them already own something better and don't say it.

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What the report reveals

What the report
reveals

No open territory.

Savings, bundling, digital convenience, claims ease and human help run across all six carriers. Of 30 message cells, 19 are lead messages and the other 11 appear anyway. No carrier has left a message to anyone else.

Savings, bundling, digital convenience, claims ease and human help run across all six carriers. Of
30 message cells, 19 are lead messages and the other 11 appear anyway. No carrier has left a message to anyone else.

The money went to reach, not position.

The money went to reach,
not position.

88% of measured non-search media sat behind the cohort’s two least differentiated propositions. Progressive and GEICO rank fifth and sixth on Distinctiveness.

Two assets hiding in plain sight.

Two assets hiding in
plain sight.

Progressive has a claims product that acts at the moment of an accident. The Travelers Institute publishes expertise customers could use. Both are public today. Neither is central to how the brand is sold.

One move for every carrier.

One move for
every carrier.

The report turns the evidence into a single practical move per brand, each with a 90-day test, named dependencies, and what to measure next quarter.

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The full scorecard, measured media by carrier, public review and measured news sentiment, and one recommended move for each of the six.

The full scorecard, measured media by carrier, public review and measured news sentiment, and
one recommended move for each
of the six.

The market does not stop at your brand. Your measurement does.

The market does not stop at your brand. Your measurement does.

A brand tracker measures your brand. Your first-party data measures your customers. Neither knows your brand, your competitors and your market at once. BlueOcean does.

A brand tracker measures your brand. Your first-party data measures
your customers. Neither knows your brand, your competitors and your
market at once. BlueOcean does.

Five years of proprietary data, 3,000+ sources and 150+ brand signals, read as one picture. That is what makes a report like this possible: all six carriers scored on one framework, across brand position, public sentiment, measured media, public messaging and market context.

Movement across
the quarter

Movement across the quarter

State Farm’s public review sentiment fell 8 points. GEICO’s measured news sentiment fell 21. The report reads those shifts alongside brand position rather than treating any single signal as the answer.

State Farm’s public review sentiment fell 8 points. GEICO’s measured news sentiment fell 21. The report reads those shifts alongside brand position rather than treating any single signal as the answer.

One framework
across all six

One framework across all six

Progressive leads Awareness
by 22 points. Travelers leads Distinctiveness by 13. Because
every carrier is scored on the
same framework, those gaps
are comparable facts rather
than impressions.

Progressive leads Awareness by 22 points. Travelers leads Distinctiveness by 13. Because every carrier is scored on the same framework, those gaps
are comparable facts rather
than impressions.

Progressive leads Awareness by 22 points. Travelers leads Distinctiveness by 13. Because every carrier is scored on the same framework, those gaps are comparable facts rather
than impressions.

Your brand
in context

Your brand in context

Your first-party data is a memory of how your company has operated. It is not a window onto the market you are operating in. The competitive view shows what every other carrier is claiming, where they are moving, and which positions are still open.

Your first-party data is a memory of how your company has operated.
It is not a window onto the market you are operating in. The competitive view shows what every other carrier is claiming, where they are moving, and which positions are still open.

Separation is more likely to be found than bought.

That is the difference between reasoning
about a market and seeing one.

Separation is more likely to be found than bought.

If two of six are visible from outside in a single quarter,
how well does any marketing team know what its own company holds?

If two of six are visible from outside in
a single quarter, how well does any marketing team know what its own company holds?

Same prompt. Two answers.

We took exactly the same prompt to ChatGPT 5.5 Thinking and to BlueOcean Spark, for each of the below marketing personas. The difference real brand and market context makes speaks for itself.

Marketing leader

Generic AI

Scroll to read full response

Spark™ · on the context layer

Scroll to read full response

Want to see this run on your own category?
Your brand, your competitors and your market on one framework.

Want to see this run on your own category?
Your brand, your competitors and your market on one framework.

Want to see this run on your own category?
Your brand, your competitors and your market on one framework.

Want to see this run on your own category?
Your brand, your competitors and your market on one framework.

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2026 BlueOcean – All Rights Reserved

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Media

press@blueocean.ai

2026 BlueOcean – All Rights Reserved