Core Insights - Many U.S. homeowners lack essential insurance protections, creating opportunities for agents to educate clients on necessary coverages [1][4] - Homeowners often overestimate the protection offered by standard policies, highlighting the need for additional coverage for valuable items [2][3] Opportunities for Agents - Independent agents play a critical role in educating homeowners about evolving risks and coverage options [4] - After learning about umbrella coverage, two-thirds of unprotected homeowners expressed interest in obtaining it, with nearly 25% being "very interested" [5] - Customer service is crucial, with 81% of homeowners rating it as "absolutely essential" or "very important," compared to only 58% prioritizing the lowest price [5] Coverage Awareness - A significant gap exists in homeowners' awareness of various coverages; 87% had not been informed about cyber insurance, and 61% about umbrella coverage [6] - Despite high awareness of coverage for valuables (87%), only 26% of homeowners have additional coverage for them [7] - Cyber insurance has the lowest awareness at 46%, with only 7% of homeowners having coverage [9] Customer Preferences - Homeowners prefer having a single insurance company for all policies, which enhances customer service and helps identify coverage gaps [7][8] - Bundling policies can provide discounts and streamline the claims process, making it more convenient for homeowners [8]