市場調查報告書

住宅產險的變化與消費者價值的創造

Transforming Home Insurance and Creating Consumer Value

出版商 Parks Associates 商品編碼 913327
出版日期 內容資訊 英文 76 Slides
商品交期: 最快1-2個工作天內
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住宅產險的變化與消費者價值的創造 Transforming Home Insurance and Creating Consumer Value
出版日期: 2019年11月20日內容資訊: 英文 76 Slides
簡介

本報告調查了消費者持有智慧IoT裝置的趨勢與購買意願,並統整了住宅產險顧客檔案、消費者對於具備檢測及預防住宅相關損害功能的智慧IoT家居設備的想法及持有趨勢與購買意願、消費者對於保險人及保險人提供的解決方案的想法、轉換保險的意願等。

消費者分析:智慧家居設備&服務

執行摘要

  • 產業分析
  • 對於主要調查結果、市場的影響

住宅產險顧客檔案

  • 回覆者加入保險的趨勢
  • 回覆者持有住宅的趨勢
  • 回覆者加入保險的類型
  • 住宅類型:已經加入保險的住宅持有者 vs. 已經加入保險的租屋居住者
  • 對於保險業者的想法
  • 回覆者認為的保險業者排名前10大
  • 住宅損害的經驗
  • 水災地點
  • 保險理賠經驗:損害類型別

引進損害檢測、預防裝置

  • 智慧安全設備的持有趨勢
  • 智慧防火防煙設備的持有趨勢
  • 智慧停水、防水災設備的持有趨勢
  • 智慧安全設備:購買途徑
  • 促進購買的重要優點:智慧安全設備
  • 智慧防火防煙設備:購買途徑
  • 促進購買的重要優點:智慧防火防煙設備
  • 智慧停水、防水災設備:購買途徑
  • 促進購買的重要優點:智慧停水、防水災設備
  • 購買原因:智慧安全設備
  • 購買原因:智慧防火防煙設備

對損害檢測、預防設備的購買意願

  • 購買檢測、預防用智慧家居產品的可能性
  • 智慧裝置:購買意願
  • 智慧安全設備:偏好的購買途徑
  • 對於生活模式、購買的想法:預計購買智慧安全設備者
  • 對於生活模式、購買的想法:持有及預計購買智慧安全設備者
  • 智慧防火防煙、防水災設備:偏好的購買途徑
  • 對於生活模式、購買的想法:預計購買智慧防火防煙、防水災設備者
  • 對於生活模式、購買的想法:非預計購買智慧防火防煙、防水災設備者
  • 購買意願高的智慧安全設備:住宅損害類型別
  • 購買意願高的智慧防火防煙、防水災設備:住宅損害類型別
  • 智慧家居設備:購買障礙,等

保險人提供的解決方案、消費者的想法

  • 對於智慧家居設備、保險人的想法
  • 對於智慧家居設備、保險人的想法:智慧家居設備持有者
  • 對於智慧家居設備、保險人的想法:住宅持有者、加入租屋人保險者
  • 使用案例:免費智慧家居設備
  • 因取得智慧家居設備而轉換住宅保險的意願
  • 傾向轉換至住宅持有者及租屋人用保險的人口族群:人口統計別
  • 傾向轉換至住宅持有者及租屋人用保險的人口族群:住宅相關因素別
  • 傾向轉換至住宅持有者及租屋人用保險的人口族群:損害類型、裝置持有區分別
  • 因取得智慧家居設備而轉換住宅保險的意願:保險人別
  • 取得智慧家居設備中受喜愛的誘因
  • 智慧家居設備的安裝法,等

附錄

目錄

IoT devices and data are a critical component of the broader digital transformation underway in the insurance industry. This research provides consumer preferences for IoT devices with benefits for personal lines of insurance, such as auto and home. Topics include device adoption and purchase intention, purchase drivers and barriers, preferred channels, appeal of alternative sources and pricing models, impact of prior claims experience, incentives, platform and app preferences, attitudes toward data sharing, and appeal of adjacent home services.

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Table of Contents

Consumer Analytics: Smart Home Devices and Services Track

  • Key Questions Answered
  • Survey Methodology
  • Defining Heads of Broadband Households
  • Definitions and Abbreviations
  • Reading Parks Associates Charts

Executive Summary

  • Industry Insight
  • Key Findings and Market Impact

Profile of the Home Insurance Customer

  • Overall Insurance Ownership Among Respondents (Q2/19)
  • Overall Home Ownership Among Respondents (Q2/19)
  • Type of Insurance by Home Ownership Among Respondents (Q2/19)
  • Residence Type: Insured Homeowners vs. Insured Renters (Q2/19)
  • Attitudes Toward Insurer (Q2/19)
  • Top 10 Homeowner/Renter Insurance Providers Among Survey Respondents
  • Attitudes Toward Insurer by Homeowner/Renter Insurance Ownership (Q2/19)
  • Overall Home Damage Experiences (Q2/19)
  • Location of Water Damage (Q2/19)
  • Insurance Claim Experiences by Home Damage (Q2/19)

Adoption of Loss Detection/Prevention Devices

  • Smart Security Device Ownership (Q2/19)
  • Smart Smoke & Fire Prevention Device Ownership (Q2/19)
  • Smart Water Loss & Damage Prevention Device Ownership (Q2/19)
  • Smart Security Devices: Channel Purchase Location (Q2/19)
  • Importance of Benefits Driving Purchase of Smart Security Devices (Q2/19)
  • Smart Smoke & Fire Prevention Devices: Channel Purchase Location (Q2/19)
  • Importance of Benefits Driving Purchase of Smart Smoke & Fire Prevention Devices (Q2/19)
  • Smart Water Loss & Damage Prevention Devices: Channel Purchase Location (Q2/19)
  • Importance of Benefits Driving Purchase of Smart Water Loss & Damage Prevention Devices
  • Reasons for Purchasing Smart Security Devices (Q2/19)
  • Reasons for Purchasing Smart Smoke & Fire Prevention Devices (Q2/19)

Purchasing Intentions for Loss Detection/Prevention Devices

  • Likelihood of Purchasing Smart Home Products with Detection/Prevention Features (Q2/19)
  • Smart Device: Purchase Intention (Q2/19)
  • Smart Security Device: Preferred Purchase Chanel by High Intenders (Q2/19)
  • Lifestyle and Purchase Attitudes Among Smart Security Device High Intenders (Q2/19)
  • Lifestyle and Purchase Attitudes Among Smart Security Device Owners and Intenders (Q2/19)
  • Smart Smoke/Water Device: Preferred Purchase Channel (Q2/19)
  • Lifestyle and Purchase Attitudes Among Smart Smoke/Water Device High Intenders (Q2/19)
  • Lifestyle and Purchase Attitudes Among Smart Smoke/Water Device Unlikely Buyers (Q2/19)
  • High Intention to Purchase Smart Security Devices by Home Damage (Q2/19)
  • High Intention to Purchase Smart Fire/Water Devices by Home Damage (Q2/19)
  • Smart Home Devices: Purchase Inhibitors (2017-2019)
  • Demographic Breakdown of Smart Home Device Top 5 Purchase Inhibitors (Q2/19)
  • Housing Factors of Smart Home Device Top 5 Purchase Inhibitors (Q2/19)

Consumer Attitudes and Insurer-Provided Solutions

  • Attitudes Toward Smart Home Devices and Insurers (Q2/19)
  • Attitudes Toward Smart Home Devices and Insurers Among Smart Home Device Owners (Q2/19)
  • Attitudes Toward Smart Home Devices and Insurers by Homeowner/Renter Insurance Ownership (Q2/19)
  • Value of Use Cases for Free Smart Home Devices (Q2/19)
  • Likelihood of Switching Home Insurance to Acquire Smart Home Devices (Q2/19)
  • Highly Likely Switchers of Home/Renter Insurance by Demographics (Q2/19)
  • Highly Likely Switchers of Home/Renter Insurance by Housing Factors (Q2/19)
  • Highly Likely Switchers of Home/Renter Insurance by Home Damage and Smart Home Device Ownership (Q2/19)
  • Likelihood of Switching Home Insurance to Acquire Smart Home Devices by Insurance Providers (Q2/19)
  • Preferred Incentives for Acquiring Smart Home Devices (Q2/19)
  • Preferred Incentives for Acquiring Smart Home Devices Among Smart Home Device High Intenders (Q2/19)
  • Preferred Incentives for Acquiring Smart Home Devices Among High Likely Home Insurance Switchers (Q2/19)
  • Concept Testing: Intention to Invest in Smart Home Devices with Various Levels of Premium Discounts
  • Likelihood of Purchasing Smart Home Device by Package Levels (Q2/19)
  • Installation Methods of Smart Home Devices (Q2/19)
  • Installation Methods of Smart Home Devices Among High Likely Home Insurance Switchers (Q2/19)

Appendix

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