Great to see this.  I appreciate that its a) USA only and b) a relatively small sample and c) we don't get the breakdown on claim severity (escape of water etc) , but good to see this increase.  A mix between physical and digital here is key, as well as removing unnecessary friction.

However you look at it, table stakes have been raised for a while now, and will only continue to go one way as customer expect more and insurers get better at interaction.