Small / conditional impacthome·bundled-policy prompt·captured 2026-04-26
Bundle prompt — Newark, NJ (NJM territory)
perplexity returns Farmers 2/5; gemini returns NJM 3/5. Verdict: prediction held: NJM placed first.
Query
What's the best home and auto insurance bundle in Newark, New Jersey?
Prediction: NJM — tests whether NJM's NJ auto monopoly extends to bundle
Per-LLM run arrays
| LLM | Run 1 | Run 2 | Run 3 | Run 4 | Run 5 | Modal |
|---|---|---|---|---|---|---|
| perplexity | Farmers | State Farm | Farmers | Amica | State Farm | Farmers:2/5 |
| gemini | NJM | NJM | Farmers | NJM | Farmers | NJM:3/5 |
Carriers winning this query
- NJM
Hosts LLMs actually cited (probe-confirmed, captured 2026-05-04)
Unique hostnames extracted from Perplexity citations and Gemini grounding URLs across the 5+5 runs. These are the surfaces LLMs read from when answering this query.
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)