Landlord Insurance: AI Visibility Market Discovery Index

Benchmark Summary

Questions This Section Answers

• Which landlord insurance brand leads the October 2026 benchmark, and by how much?
• Which brands moved beyond normal month-to-month variation in October 2026?

State Farm leads the Landlord Insurance benchmark in October 2026 with a valid recommendation coverage of 66.1%, up from 65.2% in July 2026. The gap to the next brands is 4.7 percentage points over Allstate and USAA, each recording 61.4% in October 2026. The largest coverage increase since baseline came from American Family Insurance, which rose to 25.4% in October 2026 from 0.0% in July 2026, an increase beyond normal variation. The largest coverage decline was recorded by American Family, which fell to 0.0% in October 2026 from 30.4% in July 2026, a move beyond normal variation reflecting a change in how that brand was tracked.

October 2026 was a mixed month. Six brands moved beyond normal month-to-month variation from September 2026: Allstate, Farmers, Nationwide, State Farm, Steadily, and USAA each rose, while no brand declined beyond normal variation from the prior month. Three brands are classified as significant risers against the July 2026 baseline on the strength of multi-month gains: American Family Insurance, Obie, and Steadily.

The benchmark began with 800 prompt-surface observations in each month and produced 189 qualified observations in October 2026 after qualification.

Current Benchmark at a Glance

Qualified surface breadth counts the number of canonical AI surface families with at least one qualified observation. The six families measured are ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode.

August 2026 and September 2026 sat between these months with 221 and 240 qualified observations respectively. The qualified observation count has fallen to its lowest level of the four months measured, from 250 in July 2026 to 189 in October 2026.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Landlord Insurance

Research Scope and Qualification

Questions This Section Answers

• How many of the 800 collected observations qualified for the public benchmark, and why is that denominator narrower?
• What stage of the collection produced the qualified landlord insurance observations?

The public benchmark is narrower than the raw collection universe by design.

Brand-level percentages use the qualified observations as the public denominator, not the raw collection. AI Visibility Market Discovery Methodology

Current Brand Standings

Questions This Section Answers

• How do the ten tracked landlord insurance brands rank on valid recommendation coverage?
• Which brand holds the strongest top-three and rank-one position in the October 2026 standings?

How to Read the Standings

• Presence rate: share of qualified observations where the brand is mentioned at all
• Valid recommendation coverage: share of qualified observations where the brand appears in a valid recommendation shortlist
• Top-three rate: share of qualified observations where the brand appears in the first three recommended positions
• Rank-one rate: share of qualified observations where the brand is the first recommendation
• Net sentiment: positive minus negative mentions divided by total mentions, on a scale from -1 to 1

For formulas and denominator rules, see AI Visibility Market Discovery Metric Definitions.

Recommendation Coverage Movement

Questions This Section Answers

• Which landlord insurance brands recorded the largest coverage gains since the July 2026 baseline?
• What caused American Family's coverage decline, and why does American Family Insurance show a separate gain?
• How concentrated is State Farm's lead in first-position recommendations compared with USAA and Allstate?

Largest Increase: Steadily

Steadily recorded the largest single-month coverage gain in October 2026, rising to 18.0% from 10.0% in September 2026, an increase beyond normal variation. Against the July 2026 baseline, Steadily rose 9.6 points, which is also beyond normal variation. Its top-three rate moved to 7.4% in October 2026 from 2.8% in July 2026, and its rank-one rate to 4.8% from 0.4% over the same period. Steadily held a net sentiment of 1.0 in October 2026. Its presence rate of 18.0% reflects the fact that it appears only in recommendation or discussion contexts, not in general mentions.

Largest Decline: American Family

American Family recorded a valid recommendation coverage of 0.0% in October 2026, down from 30.4% in July 2026. The 30.4-point drop is a tracking artifact, not a competitive loss, and coincides with American Family Insurance appearing as a distinct tracked brand starting in August 2026.

Category Leader: State Farm

State Farm maintained the category lead in October 2026 with a valid recommendation coverage of 66.1%, up from 65.2% in July 2026. State Farm also held the highest top-three rate at 51.3% and the highest rank-one rate at 33.9% in October 2026, both up meaningfully from July 2026 figures of 39.6% and 22.8%. Its presence rate moved to 92.6% in October 2026 from 98.4% in July 2026, a decline within the series. State Farm's 33.9% rank-one rate was well ahead of the second-highest rate of 9.0% held by USAA, indicating that its lead is concentrated in first-position recommendations.

Other Movement

American Family Insurance continued its upward trajectory, rising to 25.4% in October 2026 from 16.3% in August 2026 and 20.0% in September 2026, and from 0.0% in July 2026. The brand has increased its coverage in each of the three months since it first appeared as a distinct tracked entity. Its presence rate stood at 36.5% in October 2026.

Obie rose to 15.9% in October 2026 from 13.8% in September 2026 and 6.4% in July 2026, an increase beyond normal variation against the baseline. Its presence rate moved to 15.9% from 6.8% over the same period, and its net sentiment stood at 1.0.

Allstate rose to 61.4% in October 2026 from 45.4% in September 2026, a move beyond normal variation from the prior month, while its 7.0-point gain against the July 2026 baseline remains within normal variation. Allstate's top-three rate moved to 20.1% in October 2026 from 14.0% in July 2026.

USAA rose to 61.4% in October 2026 from 49.6% in September 2026, a move beyond normal variation from the prior month, while its 2.2-point decline against the July 2026 baseline remains within normal variation. USAA's top-three rate fell to 22.8% in October 2026 from 27.6% in July 2026, and its presence rate to 86.8% from 93.6% over the same period.

Farmers rose to 47.6% in October 2026 from 35.4% in September 2026, a move beyond normal variation from the prior month, while its 6.0-point gain against the July 2026 baseline remains within normal variation. Its top-three rate moved to 7.4% from 3.6% over the same period.

Nationwide rose to 36.5% in October 2026 from 27.1% in September 2026, a move beyond normal variation from the prior month, but finished effectively flat against the July 2026 baseline. Nationwide's rank-one rate stood at 0.0% in October 2026, down from 1.2% in July 2026.

Travelers rose to 60.3% in October 2026 from 51.7% in September 2026, and from 55.6% in July 2026. Both moves fall within normal variation. Travelers' rank-one rate fell to 3.7% from 10.4% in July 2026 even as its coverage held near the top of the category.

Liberty Mutual rose to 41.3% in October 2026 from 32.5% in September 2026, and from 38.0% in July 2026. Both moves fall within normal variation. Its presence rate moved to 71.4% in October 2026 from 70.0% in July 2026.

Recommendation Placement Snapshot

Questions This Section Answers

• Why can two landlord insurance brands with similar coverage have very different rank-one rates?
• How large is State Farm's first-position advantage over Allstate and USAA in October 2026?

Coverage alone does not show how prominently a brand is recommended. Among the leading brands, State Farm held the largest first-position advantage in October 2026.

Close coverage can still hide very different first-position rates. State Farm's rank-one rate of 33.9% was substantially higher than USAA's 9.0% and Allstate's 2.6%, even though all three brands held coverage above 60%.

Buyer-Intent Distribution

Questions This Section Answers

• Which buyer-intent classes appear in the current landlord insurance benchmark, and which are absent?
• What does the single-class distribution mean for how the benchmark should be interpreted?

All qualified observations in both months fell into the Brand Recommendation class.

The current public series measures only the Brand Recommendation class of discovery, and contains no qualified observations in Pricing & Value or Multi-Brand Comparison. Pricing, value, and head-to-head comparison questions have no public signal in this data.

Historical Measurement Record

Evidence and Source Layer

Questions This Section Answers

• What information does each prompt-level observation retain, and does source presence prove causation?
• Which domains dominate landlord insurance citations across AI surfaces, and how concentrated are they?

The benchmark is built from prompt-level observations that retain the query, AI/search surface, answer, brand outcome, recommendation placement, sentiment, and, where exposed, citations or attributable evidence sources. Source presence is evidence about the information environment, not automatically proof that the source caused the recommendation.

Scope Boundaries

This public benchmark does not measure:

• Market share or attributable sales
• Every possible AI response a brand may appear in
• Organic-search ranking performance
• Social media mention volume
• Private or sponsored channels
• Causality from a metric movement alone

No metric movement in this benchmark should be read as causal on its own.

Top 10 Cited Domains

Across all AI platform responses in this measurement period, 7,022 citations were observed across 825 unique domains.

Citations are concentrated in a small set of comparison and review domains: the top three account for roughly 16.9% of all citations and the top ten for 38.2%. Liberty Mutual is the only tracked brand whose own domain appears in the top ten, at rank nine with 160 citations and a 2.3% share. Third-party insurance comparison and review sites occupy six of the top ten positions, with news and financial outlets and a general search domain accounting for the rest.

About This Benchmark

The LLM Authority Index AI Visibility Market Discovery Index tracks how AI and search surfaces present brands during discovery and consideration, using a consistent methodology across measurement periods.

• AI Visibility Market Discovery Methodology
• AI Visibility Market Discovery Metric Definitions
• AI Visibility Market Discovery Research Standards
• Modeled AI Visibility Authority Value

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