Carrier Underwriting Questions
In November 2024, Sparrowshield employees applied for homeowners insurance with nine major insurance carriers.
We answered a variety of questions from each carrier. Below, we present a few common themes across carriers.
Total Questions
74
Most Questions
51
(Liberty Mutual)
Least Questions
9
(State Farm)
Questions per Carrier
Question Categories Distribution
Most Commonly Asked Questions
| Question | Number of Carriers | Carriers |
|---|---|---|
| Stories | 9 | Allstate Farmers GEICO Hippo Lemonade Liberty Mutual Progressive State Farm Travelers |
| Street Address | 8 | Allstate Farmers GEICO Hippo Liberty Mutual Progressive State Farm Travelers |
| Unit Number | 8 | Allstate Farmers GEICO Hippo Liberty Mutual Progressive State Farm Travelers |
| First Name | 8 | Allstate Farmers GEICO Hippo Liberty Mutual Progressive State Farm Travelers |
| Last Name | 8 | Allstate Farmers GEICO Hippo Liberty Mutual Progressive State Farm Travelers |
| Date of Birth | 8 | Allstate Farmers GEICO Hippo Liberty Mutual Progressive State Farm Travelers |
| Construction Year | 8 | Allstate Farmers GEICO Lemonade Liberty Mutual Progressive State Farm Travelers |
| Current Residence | 7 | Allstate Farmers GEICO Hippo Liberty Mutual Progressive Travelers |
| Home Style | 7 | Allstate Farmers Hippo Lemonade Liberty Mutual Progressive Travelers |
| Roof Age | 7 | Allstate GEICO Hippo Lemonade Liberty Mutual Progressive Travelers |
| Roof Type | 7 | Allstate Farmers Hippo Lemonade Liberty Mutual Progressive Travelers |
| Phone Number | 6 | Allstate Farmers Hippo Liberty Mutual State Farm Travelers |
| Square Footage | 6 | Farmers GEICO Hippo Liberty Mutual Progressive Travelers |
| Roof Material | 6 | Allstate Hippo Lemonade Liberty Mutual Progressive Travelers |
| Gender | 5 | Allstate Farmers Hippo Progressive Travelers |
| Email Address | 5 | Allstate Farmers Hippo Liberty Mutual State Farm |
| Electrical Material | 5 | Farmers GEICO Liberty Mutual Progressive Travelers |
| Circuit Protection | 5 | Farmers GEICO Liberty Mutual Progressive Travelers |
| Electrical Has Been Renovated | 5 | Farmers GEICO Liberty Mutual Progressive Travelers |
| Has Dogs | 5 | Farmers Lemonade Liberty Mutual Progressive Travelers |
| Dog Breed | 5 | Farmers Lemonade Liberty Mutual Progressive Travelers |
| Has Home Business | 5 | Farmers Lemonade Liberty Mutual Progressive Travelers |
| Current Insurance | 5 | Allstate Farmers GEICO Progressive Travelers |
| Garage Present | 4 | Allstate Farmers Lemonade Liberty Mutual |
| Garage Type | 4 | Allstate Farmers Lemonade Liberty Mutual |
| Garage Capacity | 4 | Allstate Farmers Lemonade Liberty Mutual |
| Primary Residence | 4 | Farmers Lemonade Liberty Mutual Progressive |
| Swimming Pool | 4 | Farmers Hippo Liberty Mutual Progressive |
| Recent Insurance Claims | 4 | Farmers GEICO Progressive Travelers |
| Length of Residency | 4 | Farmers GEICO Progressive Travelers |
| Occupation | 3 | Allstate Farmers Travelers |
| Marital Status | 3 | Allstate Farmers Progressive |
| Primary Heat Source | 3 | Liberty Mutual Progressive Travelers |
| Foundation Type | 3 | Farmers Liberty Mutual Travelers |
| Home Purchase Date | 3 | GEICO Liberty Mutual Progressive |
| Distance to Fire Hydrant | 3 | Farmers GEICO Liberty Mutual |
| Heating Type | 3 | Farmers Liberty Mutual Travelers |
| Farm or Exotic Animals | 3 | Lemonade Liberty Mutual Progressive |
| Trampoline | 3 | Liberty Mutual Progressive Travelers |
| Under Construction | 3 | Farmers Liberty Mutual Travelers |
| Has Basement | 3 | Farmers Lemonade Liberty Mutual |
| Fire Alarm | 3 | Farmers Lemonade Progressive |
| Prior Insurance Cancellation | 3 | Farmers Progressive Travelers |
| Employment Industry | 2 | Allstate Farmers |
| Has Secondary Homeowner | 2 | GEICO Liberty Mutual |
| Exterior Walls | 2 | Farmers Liberty Mutual |
| Exterior Wall Material | 2 | Farmers Liberty Mutual |
| Distance to Fire Station | 2 | Farmers Liberty Mutual |
| Previous Address | 2 | Liberty Mutual Progressive |
| Has Secondary Heat Source | 2 | Liberty Mutual Progressive |
| Underground Fuel Tank | 2 | Lemonade Liberty Mutual |
| Is Mobile Home | 2 | Lemonade Liberty Mutual |
| Purchase Date | 2 | Allstate Farmers |
| Has Finished Basement | 2 | Farmers Lemonade |
| Security System | 2 | Farmers Progressive |
| Full-Time Employees Onsite | 2 | Farmers Progressive |
| Number of Occupants | 2 | Allstate GEICO |
| Kitchen Countertop Material | 2 | Lemonade Progressive |
| Deck Present | 2 | Allstate Progressive |
| Number of Kitchens | 1 | Liberty Mutual |
| Is Elevated Structure | 1 | Liberty Mutual |
| Roof Condition | 1 | Liberty Mutual |
| Roof Year | 1 | Liberty Mutual |
| Plumbing Has Been Updated | 1 | Progressive |
| Property Usage | 1 | Liberty Mutual |
| Diving Board | 1 | Liberty Mutual |
| Has Tenants | 1 | Liberty Mutual |
| Are Major Repairs Needed | 1 | Liberty Mutual |
| Purchase Amount | 1 | Farmers |
| Within City Limits | 1 | Farmers |
| Smoke Detector | 1 | Farmers |
| Air Conditioning | 1 | Farmers |
| Interior Material | 1 | Lemonade |
| Has Crown Molding | 1 | GEICO |
Complete Questions Matrix
| Category | Question Field | Carrier Count | Allstate | Farmers | GEICO | Hippo | Lemonade | Liberty Mutual | Progressive | State Farm | Travelers |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Attractive Nuisance | Diving Board | 1 | ✓ | ||||||||
| Attractive Nuisance | Swimming Pool | 4 | ✓ | ✓ | ✓ | ✓ | |||||
| Attractive Nuisance | Trampoline | 3 | ✓ | ✓ | ✓ | ||||||
| Building Characteristics | Construction Year | 8 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Building Characteristics | Foundation Type | 3 | ✓ | ✓ | ✓ | ||||||
| Building Characteristics | Has Basement | 3 | ✓ | ✓ | ✓ | ||||||
| Building Characteristics | Has Finished Basement | 2 | ✓ | ✓ | |||||||
| Building Characteristics | Home Style | 7 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Building Characteristics | Is Mobile Home | 2 | ✓ | ✓ | |||||||
| Building Characteristics | Number of Kitchens | 1 | ✓ | ||||||||
| Building Characteristics | Square Footage | 6 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||
| Building Characteristics | Stories | 9 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Building Systems & Materials | Air Conditioning | 1 | ✓ | ||||||||
| Building Systems & Materials | Circuit Protection | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Building Systems & Materials | Electrical Has Been Renovated | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Building Systems & Materials | Electrical Material | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Building Systems & Materials | Has Crown Molding | 1 | ✓ | ||||||||
| Building Systems & Materials | Has Secondary Heat Source | 2 | ✓ | ✓ | |||||||
| Building Systems & Materials | Heating Type | 3 | ✓ | ✓ | ✓ | ||||||
| Building Systems & Materials | Interior Material | 1 | ✓ | ||||||||
| Building Systems & Materials | Is Elevated Structure | 1 | ✓ | ||||||||
| Building Systems & Materials | Kitchen Countertop Material | 2 | ✓ | ✓ | |||||||
| Building Systems & Materials | Plumbing Has Been Updated | 1 | ✓ | ||||||||
| Building Systems & Materials | Primary Heat Source | 3 | ✓ | ✓ | ✓ | ||||||
| Building Systems & Materials | Underground Fuel Tank | 2 | ✓ | ✓ | |||||||
| Exterior Features | Deck Present | 2 | ✓ | ✓ | |||||||
| Exterior Features | Exterior Wall Material | 2 | ✓ | ✓ | |||||||
| Exterior Features | Exterior Walls | 2 | ✓ | ✓ | |||||||
| Exterior Features | Garage Capacity | 4 | ✓ | ✓ | ✓ | ✓ | |||||
| Exterior Features | Garage Present | 4 | ✓ | ✓ | ✓ | ✓ | |||||
| Exterior Features | Garage Type | 4 | ✓ | ✓ | ✓ | ✓ | |||||
| Insurance History | Current Insurance | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Insurance History | Prior Insurance Cancellation | 3 | ✓ | ✓ | ✓ | ||||||
| Insurance History | Recent Insurance Claims | 4 | ✓ | ✓ | ✓ | ✓ | |||||
| Personal Information | Date of Birth | 8 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Personal Information | Email Address | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Personal Information | Employment Industry | 2 | ✓ | ✓ | |||||||
| Personal Information | First Name | 8 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Personal Information | Gender | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Personal Information | Last Name | 8 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Personal Information | Marital Status | 3 | ✓ | ✓ | ✓ | ||||||
| Personal Information | Occupation | 3 | ✓ | ✓ | ✓ | ||||||
| Personal Information | Phone Number | 6 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||
| Pets & Animals | Dog Breed | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Pets & Animals | Farm or Exotic Animals | 3 | ✓ | ✓ | ✓ | ||||||
| Pets & Animals | Has Dogs | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Property Location & Status | Are Major Repairs Needed | 1 | ✓ | ||||||||
| Property Location & Status | Current Residence | 7 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Property Location & Status | Has Secondary Homeowner | 2 | ✓ | ✓ | |||||||
| Property Location & Status | Length of Residency | 4 | ✓ | ✓ | ✓ | ✓ | |||||
| Property Location & Status | Previous Address | 2 | ✓ | ✓ | |||||||
| Property Location & Status | Primary Residence | 4 | ✓ | ✓ | ✓ | ✓ | |||||
| Property Location & Status | Street Address | 8 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Property Location & Status | Under Construction | 3 | ✓ | ✓ | ✓ | ||||||
| Property Location & Status | Unit Number | 8 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Property Location & Status | Within City Limits | 1 | ✓ | ||||||||
| Property Usage & Occupancy | Full-Time Employees Onsite | 2 | ✓ | ✓ | |||||||
| Property Usage & Occupancy | Has Home Business | 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Property Usage & Occupancy | Has Tenants | 1 | ✓ | ||||||||
| Property Usage & Occupancy | Number of Occupants | 2 | ✓ | ✓ | |||||||
| Property Usage & Occupancy | Property Usage | 1 | ✓ | ||||||||
| Purchase Details | Home Purchase Date | 3 | ✓ | ✓ | ✓ | ||||||
| Purchase Details | Purchase Amount | 1 | ✓ | ||||||||
| Purchase Details | Purchase Date | 2 | ✓ | ✓ | |||||||
| Roof Features | Roof Age | 7 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Roof Features | Roof Condition | 1 | ✓ | ||||||||
| Roof Features | Roof Material | 6 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||
| Roof Features | Roof Type | 7 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Roof Features | Roof Year | 1 | ✓ | ||||||||
| Safety & Security | Distance to Fire Hydrant | 3 | ✓ | ✓ | ✓ | ||||||
| Safety & Security | Distance to Fire Station | 2 | ✓ | ✓ | |||||||
| Safety & Security | Fire Alarm | 3 | ✓ | ✓ | ✓ | ||||||
| Safety & Security | Security System | 2 | ✓ | ✓ | |||||||
| Safety & Security | Smoke Detector | 1 | ✓ |