This is exactly the reason. Big-name insurers trade in volume business. The more they standardize the product, the cheaper they can sell it - not a whole lot different to any other industry. That&#x27;s not to say they don&#x27;t attempt to have sophisticated pricing models that ingest all kinds of underwriting data points, but there are costs to that complexity too.<p>There is a broad market in specialist insurance which caters to the non-volume cases. It just costs more because you have to expend more effort-per-sale (and of course because non-volume also tends to mean that the risks genuinely <i>are</i> higher - e.g. homeowners with prior subsidence claims).