Harbor Insurance · Product Brief
BIG
SHOPPING.
small switching.
57% shopped last year. Far fewer switched. Four people explain the gap.
Scene 1 · The macro problem
$ $ $ $ $ $ $ $ $ $ $ ~$2,000 / YEAR

Big premium.

Small wallet.

One of the biggest recurring bills a household pays — and it keeps climbing.

Scene 2 · The action shift
GET QUOTE 57% SHOPPED LAST YEAR

Big motivation.

Small effort.

Looking is easy. A record share went shopping last year.

Scene 3 · The room disagrees
? "PRICE TOO HIGH" "FINE PRINT FEAR" "NO TRUST" "TOO MUCH WORK"

Big question.

Small consensus.

Four leaders, four theories, zero evidence. So I went and asked.

Scene 4 · Four conversations, recorded
REC 01 02 03 04 "So… why didn't you switch?"

Big listening.

Small sample.

Four recorded interviews, four life stages. One hypothesis walked in — a different one walked out.

Scene 5 · Interview 01 — Nathan, the expert
HARBOR −$400 TRUST REQUIRED

Big gate.

Small key.

"If you don't have that foundation, I'm not going to look at you." Trust is the ticket, not the tiebreaker.

Scene 6 · Interview 02 — Dayton, the grinder
QUOTE A QUOTE B QUOTE C BUNDLE? QUOTE D by hand. on paper.

Big homework.

Small patience.

"You just gotta read through all the BS." His rule: show your best number before you see mine.

Scene 7 · Interview 03 — Abe, the delegator
$ HIS AGENT ALREADY SHOPPED ✓

Big renewal.

Small lift.

A free agent shops every renewal for him. Our competitor isn't Progressive — it's his agent.

Scene 8 · Interview 04 — Kayla, the event shopper
THE REFERRAL "covers dental!" CURRENT STAYED "covers teeth cleaning"  vs  "$150 cap"

Big referral.

Small print.

A friend's referral, undone by the fine print — and a 12-year-old dog that makes leaving harder every year.

Scene 9 · The finding
Nathan TRUST GATE Dayton UNPAID LABOR Abe ALREADY SOLVED Kayla FINE PRINT · LOCK-IN There is no one why. Nobody is confused into staying. Everyone built a system.

Big market.

Small systems.

Beat the system, not the incumbent — and show up when life reprices people.

Scene 10 · The intervention — quote blind, then compare
YOUR POLICY TODAY HARBOR — LINE BY LINE Other Than Collision · $500 ded. Comprehensive · $500 ded. BI Liability · 100/300 Bodily Injury · 100/300 UM/UIM · 100/300 Uninsured Motorist · 100/300 Rental Reimb. · $30/day Rental Coverage · $30/day Collision · $1,000 ded. Collision · $1,500 ded. — flagged ! $178 / mo · quoted first $212 / mo PRICED BLIND · NOTHING HIDDEN

Big mirror.

Small mystery.

Every difference flagged — even where we're worse. Priced before we peek: Dayton's rule.

Scene 11 · The strategic trade-off
TRUST scope

Big trust.

Small scope.

Skip the decade of brand-building — buy trust with the blind mirror. Abe was never the target.

Harbor Insurance · Discussion
Big gap.
Small fix.
Let's talk about what we're still unsure of.
Which why is biggest? Does verifiable blindness move quote-to-bind? Which repricing moments can Harbor reach first?
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