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Auto and home insurers might have a tough road ahead of them when it comes to expanding market share organically, but there are growth strategies they could pursue to capitalize on the evolving needs of today’s increasingly tech-savvy personal-lines consumers.

The challenges facing carriers and how to overcome them have been discussed here in a series of blogs over the past few months, based on the results of a pair of Deloitte Research surveys of 1,080 auto consumers and a separate group of 1,080 homeowners’ policyholders, summarized in a report on “The Voice of the Personal Lines Insurance Consumer: Buyers in the Driver’s Seat.”

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