Will home insurance evolve to the point that it will predict homeowner behavior and adjust accordingly to make homes and families safer and better protected? (Photo: Shutterstock)

For as long as most of us can remember, home insurance hasn't changed. The industry has been complacent at the detriment of homeowners.

Sure, there have been minor adjustments to product coverages and technology integrations to improve internal systems. But it has essentially remained the same; a static product that falls short of adequately protecting homeowners.

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