Fire Insurance Coverage Experience & Renewal Survey

Thanks for taking a few minutes to share your experience with fire insurance! Your answers help improve coverage, pricing, and claims handling. Your responses are completely confidential and anonymized. This should take about 5-6 minutes.

Which best describes your relationship to fire insurance today?

• Current fire insurance policyholder
• Previously had fire insurance, did not renew
• Currently shopping for fire insurance
• Never purchased fire insurance

Overall, how protected does your fire insurance coverage make you feel against fire-related loss?

In the past 12 months, have you filed a fire-related insurance claim?

• Yes, and it was resolved
• Yes, and it's still open
• No, but I considered filing one
• No

How clear is your policy about what fire damage is and isn't covered?

How much do you agree with each statement about your fire insurance provider?

Thinking about how you chose (or would choose) a fire insurance provider, allocate 100 points across these factors based on how much each influenced your decision.

• Premium cost
• Breadth of fire damage coverage
• Insurer's reputation and trust
• Agent or broker recommendation
• Speed and ease of the claims process
• Discounts for fire-safety measures

When choosing a fire insurance policy, which of these matters most and least to you?

• Low deductible
• High rebuild/replacement cost coverage
• Add-on coverage for wildfire or natural disaster risk
• Fast claims processing
• 24/7 customer support
• Discounts for smoke detectors or sprinklers
• Transparent, easy-to-understand policy language

How likely are you to renew your fire insurance policy with your current provider?

Explore the reasoning behind the respondent's renewal likelihood score. If they filed a fire-related claim, reconstruct what happened end-to-end: how they reported it, how long payout took, and whether the payout matched expectations. If they haven't filed a claim, probe what would make them trust their insurer to pay out fairly. For low renewal scores, dig into whether the driver is price, a coverage gap, or a bad claims experience, and ask what would change their mind.

Now a few questions about what you'd expect to pay annually for solid fire insurance coverage on your home.

• At what annual premium would fire insurance coverage feel so cheap that you'd question whether it actually provides adequate protection?
• At what annual premium would you consider fire insurance coverage a bargain — a great deal for the protection provided?
• At what annual premium would you begin to feel fire insurance coverage is expensive, though you might still consider buying it?
• At what annual premium would you consider fire insurance coverage too expensive to purchase, regardless of the protection offered?

Which best describes the property you insure (or would insure)?

• Single-family home
• Condo or apartment
• Multi-family rental property
• Commercial property
• Prefer not to say

Which age range do you fall into?

• Under 25
• 25-34
• 35-44
• 45-54
• 55-64
• 65 or older
• Prefer not to say

That's everything — thank you! Your responses will be combined with others to help improve fire insurance coverage, pricing, and claims support.