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Coverage Decision Trends

An early research product studying how readers move through educational tools when comparing deductibles, liability limits, and renters coverage—not what any single person chose, and never tied to identity.

Illustrative measurement schema (not live results)

The table below describes what we intend to publish after aggregation. It is not current data.

Measure	Definition (future reporting)	Example chart type
Tool path sequences	Anonymized counts of which calculators were opened in the same session (e.g. deductible tradeoff → should I file?) without storing names, emails, or policy numbers.	Weekly bar or line once n ≥ published threshold
Deductible scenario bands	Aggregate distribution of educational deductible inputs ($500 / $1,000 / $2,500) to see which bands get explored most often—useful for prioritizing guide updates, not for quoting anyone.	Weekly bar or line once n ≥ published threshold
Limit exploration depth	Whether sessions that open the liability waterfall also open quote-diff or umbrella readiness—again as session-level aggregates only.	Weekly bar or line once n ≥ published threshold
Coverage line focus	High-level split between auto, home/renters, and life tool usage so we know where to deepen content—not demographic profiling.	Weekly bar or line once n ≥ published threshold

Example tool journey (illustrative only)

When reporting goes live, a path might be described in words like: “Session opened deductible tradeoff, then liability waterfall”—reported as a count of sessions, never as an individual story.

[ILLUSTRATIVE SCHEMA — NOT LIVE DATA]
Session aggregate (week of YYYY-MM-DD):
  tool_sequence: ["deductible-tradeoff", "liability-waterfall"]
  session_count: (withheld until min sample)
  deductible_band_explored: "$500" | "$1000" | "$2500" | "mixed"
  coverage_line: "auto" | "home" | "life" | "mixed"

Shared research rules

This product follows the hub-wide methodology on research:

No personally identifiable information (PII) is required to use tools.
Research aggregates cannot be reversed to identify a visitor.
If we run a voluntary survey in the future, it will be opt-in with a separate privacy notice.

Coming soon

We will post the first public memo when at least one metric clears its minimum sample and has been reviewed for interpretation bias. Until then, use our tools and calculator methodology for transparent formulas—not trend claims.