Amid story after story on direct channel auto coverage, and debate over whether the insurance line is worth fighting to sell, Travelers says it has listened to its independent agent partners to develop a competitive product.

Allstate's Esurance is now offering direct-to-consumer online HO policy sales in Wisconsin.

Allstate's Esurance is now offering direct-to-consumer online HO policy sales in Wisconsin.

The Risk Management and Own Risk Solvency Assessment Model Act requires insurers to manage a comprehensive enterprise risk management framework that is embedded within company operations by January 2015.