Reflecting the most recent U.S. Census Bureau release (October 2025) Published January 2026 The U.S. housing market operated under competing constraints in October 2025. Buyer demand remained rate-sensitive and affordability-limited, while resale supply continued to be constrained by homeowner lock-in. Builders, however, adapted more quickly—using pricing flexibility and incentives to sustain transaction flow. October 2025 […]
VSC and Home Warranty marketing doesn’t fail because teams don’t work hard. It fails because operational blind spots compound quietly—until margins disappear or diligence starts asking uncomfortable questions. The strongest VSC and Home Warranty marketing operations are not just optimizing performance. They are engineered for transparency, control, and repeatability. Below are the specific operational practices […]
Turning Claim Trends into Predictive Financial Confidence As warranty administrators plan for 2026, the stakes have never been higher. Costs are rising, competition is fiercer, and margin pressure is intensifying across product lines. Traditional methods — like static averages or lagging year-over-year summaries — leave too much uncertainty around when claims will occur and how […]
Loss ratios sit at the center of every smart underwriting, pricing, and reinsurance decision. Yet most warranty administrators still calculate them with outdated tools, stale data, or earnings curves that haven’t been questioned in a decade. That combination is dangerous—because when your earnings curve is wrong, everything downstream is wrong too. And the truth is […]
If you’ve visited Dark Sky Data lately, you may have noticed a small glowing circle in the bottom-right corner of your screen.Click it — and meet Orion, your new data analyst. Orion isn’t here to sell you software or send you to a support queue. He’s here to get you answers. Whether you’re looking at […]
Selling more contracts isn’t the goal. Making more money is. Too many marketers chase top-line volume and ignore the hidden costs eating their margin—cancellations, poor targeting, slow mail, and comp plans that reward the wrong behavior. If you want exponential growth that actually sticks to the bottom line, start here. 1. Study Your Cancellation Curve […]
The Great Standoff: September Housing Data Shows a Market Waiting for a Spark Summary: The fall chill isn’t just in the air—it’s settling into the housing market. September’s data reveals a slow-motion stalemate between buyers and sellers, with builders once again driving what little momentum exists. For home warranty providers, this split market demands precision: […]
Even with tariff headlines and affordability concerns, F&I performance stayed solid in Q2 2025. Dealers continued to capture profit per vehicle, consumers leaned harder into protection products, and the underlying vehicle mix shifted in ways that will shape the next 12 months of opportunity. Sales Momentum Holds Despite Tariff Headwinds U.S. new-light-vehicle sales averaged 16.1 […]
The Great Decoupling: New Homes Surge While Resales Stand Still Summary: The U.S. housing market has split in two. New construction is booming on builder incentives, while resale remains stuck under the weight of the lock‑in effect. For home warranty providers, growth in late 2025 will come from reallocating effort toward where transactions are actually […]
When it’s time to sell your company, everything gets scrutinized. Especially the numbers. For F&I administrators, few metrics carry more weight with buyers than the loss ratio—and yet that number is only as accurate as the earnings curve behind it. If your curve is wrong, your loss ratios are wrong. And if your loss ratios […]