Add new home insurance ad prompts and enhance image handling with R2 URL support

.gitignore

@@ -128,3 +128,7 @@ htmlcov/
 *.pem
 .cache/
 .temp/
+
+# Outputs
+output/
+scripts/

api/schemas.py

@@ -37,6 +37,7 @@ class ImageResult(BaseModel):
     filename: Optional[str] = None
     filepath: Optional[str] = None
     image_url: Optional[str] = None
+    r2_url: Optional[str] = None
     model_used: Optional[str] = None
     seed: Optional[int] = None
     error: Optional[str] = None

frontend/components/generation/AdPreview.tsx

@@ -32,14 +32,18 @@ export const AdPreview: React.FC<AdPreviewProps> = ({ ad }) => {
     // eslint-disable-next-line react-hooks/exhaustive-deps
   }, [ad.id, ad.images?.length, ad.created_at]); // Use stable dependencies: id, length, and timestamp
 
-  const handleDownloadImage = async (imageUrl: string | null | undefined, filename: string | null | undefined) => {
-    if (!imageUrl && !filename && !ad.id) {
+  const handleDownloadImage = async (
+    imageUrl: string | null | undefined,
+    filename: string | null | undefined,
+    r2Url?: string | null
+  ) => {
+    if (!imageUrl && !filename && !r2Url && !ad.id) {
       toast.error("No image URL available");
       return;
     }
     
     try {
-      const url = getImageUrl(imageUrl, filename);
+      const url = getImageUrl(imageUrl, filename, r2Url);
       // Use proxy endpoint with ad ID to avoid CORS issues
       await downloadImage(url, filename || `ad-${ad.id}.png`, ad.id);
       toast.success("Image downloaded");
@@ -57,9 +61,9 @@ export const AdPreview: React.FC<AdPreviewProps> = ({ ad }) => {
     }
   };
 
-  const handleImageError = (index: number, image: { image_url?: string | null; filename?: string | null }) => {
+  const handleImageError = (index: number, image: { image_url?: string | null; filename?: string | null; r2_url?: string | null }) => {
     if (!imageErrors[index]) {
-      const { fallback } = getImageUrlFallback(image.image_url, image.filename);
+      const { fallback } = getImageUrlFallback(image.image_url, image.filename, image.r2_url);
       if (fallback) {
         setImageErrors((prev) => ({ ...prev, [index]: true }));
       }
@@ -88,7 +92,7 @@ export const AdPreview: React.FC<AdPreviewProps> = ({ ad }) => {
             <div className="bg-white rounded-2xl shadow-lg shadow-blue-100/50 overflow-hidden ring-1 ring-blue-100">
               {(() => {
                 const image = ad.images[0];
-                const { primary, fallback } = getImageUrlFallback(image.image_url, image.filename);
+                const { primary, fallback } = getImageUrlFallback(image.image_url, image.filename, image.r2_url);
                 const imageUrl = imageErrors[0] ? fallback : (primary || fallback);
                 
                 return imageUrl ? (
@@ -109,7 +113,7 @@ export const AdPreview: React.FC<AdPreviewProps> = ({ ad }) => {
                         <Button
                           variant="primary"
                           size="sm"
-                          onClick={() => handleDownloadImage(image.image_url, image.filename)}
+                          onClick={() => handleDownloadImage(image.image_url, image.filename, image.r2_url)}
                           className="shadow-lg"
                         >
                           <Download className="h-4 w-4" />
@@ -141,7 +145,7 @@ export const AdPreview: React.FC<AdPreviewProps> = ({ ad }) => {
             // Multiple images - grid layout
             <div className="grid grid-cols-1 md:grid-cols-2 gap-4">
               {ad.images.map((image, index) => {
-                const { primary, fallback } = getImageUrlFallback(image.image_url, image.filename);
+                const { primary, fallback } = getImageUrlFallback(image.image_url, image.filename, image.r2_url);
                 const imageUrl = imageErrors[index] ? fallback : (primary || fallback);
                 
                 // Use unique key based on filename or URL to prevent duplicate rendering
@@ -166,7 +170,7 @@ export const AdPreview: React.FC<AdPreviewProps> = ({ ad }) => {
                             <Button
                               variant="primary"
                               size="sm"
-                              onClick={() => handleDownloadImage(image.image_url, image.filename)}
+                              onClick={() => handleDownloadImage(image.image_url, image.filename, image.r2_url)}
                               className="shadow-lg"
                             >
                               <Download className="h-4 w-4" />

frontend/lib/utils/formatters.ts

@@ -85,28 +85,37 @@ const getApiBase = () => process.env.NEXT_PUBLIC_API_URL || "http://localhost:80
 const isAbsoluteUrl = (url: string) =>
   typeof url === "string" && (url.startsWith("http://") || url.startsWith("https://"));
 
+/**
+ * Resolve display URL for an ad image. Prefers R2 URL when available (CDN/public),
+ * then absolute image_url, then local /images/{filename} or relative image_url.
+ */
 export const getImageUrl = (
   imageUrl: string | null | undefined,
   filename: string | null | undefined,
   r2Url?: string | null
 ): string | null => {
-  const best = r2Url ?? imageUrl;
-  if (best && isAbsoluteUrl(best)) return best;
+  if (r2Url && isAbsoluteUrl(r2Url)) return r2Url;
+  if (imageUrl && isAbsoluteUrl(imageUrl)) return imageUrl;
   if (filename) return `${getApiBase()}/images/${filename}`;
   if (imageUrl && typeof imageUrl === "string" && imageUrl.startsWith("/"))
     return `${getApiBase()}${imageUrl}`;
   return null;
 };
 
+/**
+ * Primary = R2 URL or absolute image_url (for display). Fallback = local /images/{filename} or relative URL.
+ * Use primary in <img src>, then onError switch to fallback so images show via R2 when available.
+ */
 export const getImageUrlFallback = (
   imageUrl: string | null | undefined,
   filename: string | null | undefined,
   r2Url?: string | null
 ): { primary: string | null; fallback: string | null } => {
   const apiBase = getApiBase();
-  const best = r2Url ?? imageUrl;
   const primary =
-    best && isAbsoluteUrl(best) ? best : null;
+    (r2Url && isAbsoluteUrl(r2Url)) ? r2Url
+    : (imageUrl && isAbsoluteUrl(imageUrl)) ? imageUrl
+    : null;
   const fromFilename = filename ? `${apiBase}/images/${filename}` : null;
   const fromRelative =
     imageUrl && typeof imageUrl === "string" && imageUrl.startsWith("/")

frontend/types/api.ts

@@ -6,6 +6,7 @@ export interface ImageResult {
   filename?: string | null;
   filepath?: string | null;
   image_url?: string | null;
+  r2_url?: string | null;
   model_used?: string | null;
   seed?: number | null;
   error?: string | null;

home_insurance_200_additional_prompts.md

@@ -0,0 +1,740 @@
+# 200 Additional Home Insurance Ad Prompts - Image Generation Details
+
+## Shock Value & Statistics (101-120)
+
+101. **Every X Seconds Stats**
+   - Image: Large ticking stopwatch with "13 SECONDS" highlighted
+   - Text: "A Home Burglary Every 13 Seconds in America" | "Theft Coverage $39/mo"
+   - Style: Bold typography, urgent countdown aesthetic
+   - Colors: Red urgency, black background, white text
+   - Size: 1080x1080px
+
+102. **Foreclosure Warning**
+   - Image: "FORECLOSURE" sign on beautiful home
+   - Text: "No Insurance = Bank Can Foreclose" | "Required by Law"
+   - Style: Stark documentary photography, shocking reality
+   - Colors: Red warning signs, serious tone
+
+103. **Bankruptcy Statistics**
+   - Image: Gavel and bankruptcy papers with home in background
+   - Text: "62% of Bankruptcies Start With Home Damage" | "Protect Yourself $54/mo"
+   - Style: Legal documentation photography, serious
+   - Mood: Financial devastation prevention
+
+104. **Neighbor's Tree Liability**
+   - Image: Tree from neighbor's yard fallen on your house
+   - Text: "Neighbor's Tree, YOUR Problem, YOUR Cost" | "Coverage Starts $48/mo"
+   - Style: Property line illustration, clear liability
+   - Colors: Property boundaries highlighted
+
+105. **Foundation Repair Costs**
+   - Image: Invoice showing $85,000 foundation repair
+   - Text: "Average Foundation Repair: $85,000" | "Standard Policies Don't Cover This"
+   - Style: Invoice/receipt photography, shocking cost
+   - Mood: Expensive reality check
+
+106. **Climate Change Impact**
+   - Image: Split showing home in normal weather vs extreme weather
+   - Text: "Extreme Weather Up 400% Since 2000" | "Your Risk Increased"
+   - Style: Climate data visualization, scientific
+   - Colors: Heat map style, data-driven
+
+107. **DIY Repair Fails**
+   - Image: Failed DIY home repair causing major damage
+   - Text: "$500 DIY Fix Caused $32,000 Damage" | "Professional Repairs Covered"
+   - Style: Before/after disaster, cautionary
+   - Mood: DIY gone wrong
+
+108. **Contractor Fraud**
+   - Image: Shady contractor with unpermitted work
+   - Text: "Unpermitted Work = Insurance Won't Pay" | "We Verify Everything"
+   - Style: Documentary expose style
+   - Colors: Warning yellows, investigative
+
+109. **Home Value Drop**
+   - Image: Home value chart dropping after unrepaired damage
+   - Text: "Unrepaired Damage = 37% Value Loss" | "Claims Preserve Value"
+   - Style: Real estate graph, declining value
+   - Mood: Investment protection
+
+110. **Squatter Scenario**
+   - Image: Squatters in vacant property
+   - Text: "Vacant Property? Squatters Have More Rights Than You Think"
+   - Style: Legal concern photography, property rights
+   - Mood: Property owner nightmare
+
+111. **Pest Damage Exclusion**
+   - Image: Termite damage with shocked homeowner
+   - Text: "Termite Damage: $12K Average | Standard Policies: $0"
+   - Style: Close-up pest damage, exclusion reveal
+   - Colors: Wood damage browns, alarming
+
+112. **Ice Dam Damage**
+   - Image: Massive icicles causing roof damage
+   - Text: "One Winter = $18K Ice Dam Damage" | "Northern States: This Is Real"
+   - Style: Winter weather photography, regional
+   - Mood: Seasonal threat awareness
+
+113. **Appliance Fire Stats**
+   - Image: Burned kitchen with appliance origin point
+   - Text: "Dryer Fires: 15,000/Year | Dishwasher Floods: 9,000/Year"
+   - Style: Fire investigation style, statistics
+   - Colors: Fire oranges, statistical overlays
+
+114. **Guest Medical Bills**
+   - Image: Guest's medical bills from property injury
+   - Text: "Guest's Medical Bills = Your Responsibility" | "Liability $300K+ Covered"
+   - Style: Medical billing photography
+   - Mood: Unexpected liability awareness
+
+115. **Pandemic Property Value**
+   - Image: Property value fluctuation during crises
+   - Text: "Home Values Dropped 23% During COVID" | "Insurance Maintained"
+   - Style: Financial crisis visualization
+   - Colors: Market crash reds, stability blues
+
+116. **Construction Defect Timeline**
+   - Image: Timeline showing when defects appear (5-10 years)
+   - Text: "Builder's Warranty Ends Year 1" | "Defects Appear Year 5-10"
+   - Style: Timeline infographic, gap visualization
+   - Mood: Long-term protection need
+
+117. **Mail Theft Leading to Identity**
+   - Image: Stolen mail leading to identity theft
+   - Text: "Mailbox Theft Led to $47K Identity Fraud" | "Covered Under Theft"
+   - Style: Crime progression visualization
+   - Colors: Theft reds, cascading problems
+
+118. **Sewer Backup Reality**
+   - Image: Sewage flooding basement
+   - Text: "Sewer Backup: Every 60 Seconds Somewhere" | "Add This: $12/mo"
+   - Style: Unpleasant reality photography, urgent
+   - Mood: Disgusting but necessary coverage
+
+119. **Falling Object Damage**
+   - Image: Satellite dish or debris fallen through roof
+   - Text: "Space Junk, Planes, Drones: All Falling" | "Falling Object Coverage Included"
+   - Style: Unusual accident photography
+   - Mood: Modern world risks
+
+120. **Power Surge Destruction**
+   - Image: Fried electronics after power surge
+   - Text: "One Lightning Strike = $8,400 in Fried Electronics"
+   - Style: Damaged technology photography
+   - Colors: Electric blues, fried circuits
+
+## Emotional & Lifestyle Triggers (121-140)
+
+121. **Family Heritage Home**
+   - Image: Multi-generational family photo in front of ancestral home
+   - Text: "Grandma's House Can't Be Replaced" | "Sentimental Value Coverage"
+   - Style: Nostalgic family photography, emotional
+   - Mood: Heritage protection, emotional value
+
+122. **New Baby Protection**
+   - Image: Nursery room, baby items, protective atmosphere
+   - Text: "New Baby = New Priorities" | "Protect What Matters Most $52/mo"
+   - Style: Soft nursery photography, protective
+   - Colors: Soft pastels, nurturing
+
+123. **Pet Safety Net**
+   - Image: Family pets in safe home environment
+   - Text: "Your Pets Depend on Your Home Too" | "Emergency Pet Boarding Covered"
+   - Style: Pet family photography, caring
+   - Mood: Pet parent responsibility
+
+124. **Home Office Investment**
+   - Image: Expensive home office setup (monitors, equipment)
+   - Text: "$15K Home Office Setup" | "Personal Property Coverage $67/mo"
+   - Style: Modern workspace photography
+   - Colors: Tech blues, professional
+
+125. **Wedding Ring Replacement**
+   - Image: Jewelry, heirlooms, irreplaceable items
+   - Text: "Grandma's Ring: Priceless | Replacement: Covered"
+   - Style: Precious items photography, intimate
+   - Mood: Sentimental value protection
+
+126. **Hobby Collection Coverage**
+   - Image: Valuable collections (guitars, art, sports memorabilia)
+   - Text: "20-Year Guitar Collection = $40K" | "Collections Need Riders"
+   - Style: Collection showcase photography
+   - Mood: Passion protection
+
+127. **Home Gym Investment**
+   - Image: Home gym equipment, expensive setup
+   - Text: "Home Gym: $8K Investment" | "Equipment Covered Against Theft"
+   - Style: Fitness lifestyle photography
+   - Colors: Active, energetic
+
+128. **Work-Life Balance**
+   - Image: Person relaxing at home, stress-free
+   - Text: "Stop Worrying. Start Living." | "Full Coverage = Peace $58/mo"
+   - Style: Lifestyle photography, serene
+   - Mood: Stress relief, peace of mind
+
+129. **Dream Home Reality**
+   - Image: Beautiful dream home finally purchased
+   - Text: "Finally Bought Your Dream Home?" | "Protect the Dream $64/mo"
+   - Style: Aspirational home photography
+   - Colors: Warm, achievement gold tones
+
+130. **Single Parent Protection**
+   - Image: Single parent with kids, home responsibility
+   - Text: "You're the Only Safety Net" | "Single Parents Save 15%"
+   - Style: Real family photography, supportive
+   - Mood: Empowerment, responsibility
+
+131. **Retirement Nest Egg**
+   - Image: Retired couple in paid-off home
+   - Text: "Paid Off Your Home? It's Still at Risk" | "Retirement Protection $71/mo"
+   - Style: Retirement lifestyle photography
+   - Mood: Golden years security
+
+132. **Art & Antiques**
+   - Image: Valuable art collection in home
+   - Text: "That Painting Increased 400%" | "Artwork Appraisal Included"
+   - Style: Gallery-quality photography
+   - Mood: Collector sophistication
+
+133. **Medical Equipment Dependent**
+   - Image: Home with medical equipment, oxygen, etc.
+   - Text: "Medical Equipment at Home? Emergency Coverage Vital"
+   - Style: Healthcare reality photography, serious
+   - Mood: Life-dependent protection
+
+134. **Multigenerational Living**
+   - Image: Extended family living together
+   - Text: "3 Generations Under One Roof" | "Increased Liability Coverage Needed"
+   - Style: Modern family photography
+   - Mood: Contemporary family structures
+
+135. **Home Birth/Midwife**
+   - Image: Home birth preparation, midwife scene
+   - Text: "Planned Home Birth? Liability Coverage Essential"
+   - Style: Birth preparation photography, respectful
+   - Mood: Alternative lifestyle support
+
+136. **Special Needs Child**
+   - Image: Accessible home modifications for special needs
+   - Text: "$80K in Home Modifications" | "Protect Your Investment"
+   - Style: Accessible home photography, caring
+   - Mood: Special circumstances understanding
+
+137. **Remote Work Permanent**
+   - Image: Permanent remote work setup, professional
+   - Text: "Office Closed Forever? Your Home Is Now Your Workplace"
+   - Style: New normal photography, modern
+   - Colors: Professional, contemporary
+
+138. **Blended Family**
+   - Image: Blended family in new home together
+   - Text: "New Family, New Home, New Start" | "Fresh Coverage Needed"
+   - Style: Modern family photography
+   - Mood: New beginnings
+
+139. **Empty Nester**
+   - Image: Couple alone after kids leave
+   - Text: "Kids Gone? Time to Re-Evaluate Coverage" | "Downsize Premium"
+   - Style: Life transition photography
+   - Mood: New chapter, adjustment
+
+140. **Foster/Adoptive Parents**
+   - Image: Foster or adoptive family at home
+   - Text: "Foster Parents Need Enhanced Liability" | "We Understand Your Needs"
+   - Style: Diverse family photography, inclusive
+   - Mood: Supportive, understanding
+
+## Quiz & Interactive Triggers (141-160)
+
+141. **Coverage Quiz Interface**
+   - Image: Clean quiz design "How Much Coverage Do You Actually Need?"
+   - Text: "Take 60-Second Quiz" | "Get Personalized Quote"
+   - Style: Modern UI/UX design, interactive
+   - Colors: Engaging blues, friendly
+
+142. **Risk Assessment Visual**
+   - Image: Risk meter from low to high with your area highlighted
+   - Text: "Your Zip Code Risk Score: 7.8/10" | "See Your Rate"
+   - Style: Gauge/meter visualization
+   - Mood: Personalized risk awareness
+
+143. **What's Your Home Worth**
+   - Image: Three house silhouettes with price ranges
+   - Text: "Tap Your Home Value: $200K | $400K | $600K+"
+   - Style: Interactive selection design
+   - Colors: Clear, tap-friendly
+
+144. **Age Your Coverage**
+   - Image: Slider showing policy age vs adequate coverage
+   - Text: "When Did You Last Update Coverage?" | "Swipe: 1yr, 5yr, 10yr+"
+   - Style: Interactive timeline slider
+   - Mood: Action-oriented
+
+145. **Disaster Likelihood**
+   - Image: Map showing disaster zones
+   - Text: "Is Your Area High Risk?" | "Tap to Check Your Address"
+   - Style: Interactive map visualization
+   - Colors: Heat map, risk gradients
+
+146. **True or False Quiz**
+   - Image: Bold True/False question design
+   - Text: "TRUE or FALSE: Floods Are Covered by Standard Insurance"
+   - Style: Educational quiz format
+   - Mood: Knowledge testing, engaging
+
+147. **Premium Calculator**
+   - Image: Interactive calculator interface
+   - Text: "Build Your Rate: Move Sliders" | "Deductible, Coverage, Extras"
+   - Style: Calculator UI, transparent pricing
+   - Colors: Clean, modern interface
+
+148. **Which Policy Type**
+   - Image: Three policy cards to choose from
+   - Text: "Which Describes Your Home?" | "Condo | House | Multi-Family"
+   - Style: Card selection interface
+   - Mood: Helpful categorization
+
+149. **Coverage Gap Finder**
+   - Image: Checklist with some items unchecked
+   - Text: "Find Your Coverage Gaps - Free Check"
+   - Style: Checklist interface, audit tool
+   - Colors: Red (gaps) vs Green (covered)
+
+150. **Disaster Preparedness Score**
+   - Image: Score out of 100 with breakdown
+   - Text: "Your Preparedness Score: 43/100" | "Improve It Now"
+   - Style: Gamified scorecard
+   - Mood: Self-improvement trigger
+
+151. **Rate Comparison Tool**
+   - Image: Three quotes side by side with ours highlighted
+   - Text: "Compare Instantly: See All Rates" | "We're Usually Lowest"
+   - Style: Comparison table, competitive
+   - Colors: Winning green for best rate
+
+152. **Home Features Selector**
+   - Image: Grid of home features to toggle
+   - Text: "Select Your Features" | "Pool? Trampoline? Fireplace?"
+   - Style: Feature selection grid
+   - Mood: Customization, specific
+
+153. **Claims History Impact**
+   - Image: Clean vs claims history rate difference
+   - Text: "How Many Claims Have You Filed?" | "0, 1, 2, 3+"
+   - Style: Impact visualization
+   - Mood: Transparency, education
+
+154. **Bundling Savings Calculator**
+   - Image: Stacking products showing compound savings
+   - Text: "How Much Can You Save?" | "Add: Auto, Life, Umbrella"
+   - Style: Savings calculator, visual stacking
+   - Colors: Savings green, accumulating
+
+155. **Roof Age Assessment**
+   - Image: Roof condition selector
+   - Text: "How Old Is Your Roof?" | "<10yr, 10-20yr, 20yr+"
+   - Style: Age assessment tool
+   - Mood: Honest input, accurate pricing
+
+156. **Pet Liability Quiz**
+   - Image: Dog breeds with different risk levels
+   - Text: "Select Your Dog Breed" | "Affects Liability Coverage"
+   - Style: Breed selector, informative
+   - Mood: Pet-specific assessment
+
+157. **Claims Speed Test**
+   - Image: Two timers comparing claim speeds
+   - Text: "Guess How Fast We Pay Claims" | "1 day, 1 week, 1 month?"
+   - Style: Guessing game, reveal
+   - Mood: Engagement through curiosity
+
+158. **Renovation Value Added**
+   - Image: Before/after home value with reno costs
+   - Text: "Added $50K in Renovations?" | "Updated Your Coverage?"
+   - Style: Value tracker, reminder
+   - Mood: Improvement awareness
+
+159. **Security Features Discount**
+   - Image: Checkboxes for security features
+   - Text: "Check All That Apply" | "Alarm, Cameras, Deadbolts"
+   - Style: Feature checklist for discounts
+   - Colors: Discount green accents
+
+160. **Occupancy Status**
+   - Image: Different occupancy types shown
+   - Text: "How Do You Use This Property?" | "Primary, Rental, Vacation"
+   - Style: Category selector
+   - Mood: Specific use case pricing
+
+## Seasonal & Timely Triggers (161-180)
+
+161. **Hurricane Season Countdown**
+   - Image: Calendar showing hurricane season dates approaching
+   - Text: "Hurricane Season Starts June 1" | "21 Days to Prepare"
+   - Style: Countdown calendar, urgent
+   - Colors: Storm warning colors
+
+162. **Winter Weather Prep**
+   - Image: Home winterization checklist
+   - Text: "First Freeze in 2 Weeks" | "Pipe Burst Coverage $44/mo"
+   - Style: Seasonal preparation
+   - Mood: Proactive protection
+
+163. **Spring Storm Season**
+   - Image: Tornado season map lighting up
+   - Text: "Tornado Season Peak: March-May" | "Are You Protected?"
+   - Style: Seasonal risk map
+   - Colors: Storm tracking colors
+
+164. **Wildfire Season Alert**
+   - Image: Wildfire risk zones, smoke in air
+   - Text: "Fire Season Extended 3 Months" | "Western States: Act Now"
+   - Style: Emergency alert aesthetic
+   - Mood: Regional urgency
+
+165. **Holiday Coverage Reminder**
+   - Image: Holiday decorations, expensive gifts
+   - Text: "$3K in Holiday Gifts Under Your Tree" | "Covered?"
+   - Style: Holiday season photography
+   - Colors: Festive but secure
+
+166. **Tax Season Home Deduction**
+   - Image: Tax form with home insurance deduction
+   - Text: "Filing Taxes? Insurance May Be Deductible"
+   - Style: Tax document photography
+   - Mood: Financial benefit awareness
+
+167. **Spring Cleaning Discoveries**
+   - Image: Finding damage during spring cleaning
+   - Text: "Spring Cleaning Reveals Hidden Damage" | "File Claims Within 48hrs"
+   - Style: Discovery photography
+   - Mood: Timely action reminder
+
+168. **Back to School Safety**
+   - Image: Kids home alone after school
+   - Text: "Latchkey Kids? Increased Liability Risk" | "Review Coverage"
+   - Style: School season family photography
+   - Mood: Parental responsibility
+
+169. **Summer Vacation Vacant Home**
+   - Image: Empty home during vacation
+   - Text: "Gone 3+ Weeks? Notify Insurer or Risk Denial"
+   - Style: Vacant property warning
+   - Colors: Warning yellows
+
+170. **New Year New Coverage**
+   - Image: New year, new protection mindset
+   - Text: "New Year's Resolution: Adequate Insurance" | "Review Now"
+   - Style: Fresh start aesthetic
+   - Mood: Renewal, improvement
+
+171. **Fall Gutter Cleaning**
+   - Image: Clogged gutters causing damage
+   - Text: "Leaves Fall, Gutters Clog, Water Damages" | "Maintenance Matters"
+   - Style: Seasonal maintenance
+   - Mood: Prevention reminder
+
+172. **Daylight Saving Time Check**
+   - Image: Clock change + safety check reminder
+   - Text: "Change Clocks, Check Smoke Detectors" | "Lower Premiums"
+   - Style: Seasonal ritual reminder
+   - Colors: Time change blues
+
+173. **Graduation Moving Season**
+   - Image: College grad moving into first home
+   - Text: "First Home After Graduation?" | "Young Professional Rates $38/mo"
+   - Style: Milestone photography
+   - Mood: Life transition support
+
+174. **April Showers Flooding**
+   - Image: Spring rain causing water issues
+   - Text: "April Showers = May Flowers + Basement Floods"
+   - Style: Seasonal weather pattern
+   - Mood: Predictable risk awareness
+
+175. **Summer BBQ Liability**
+   - Image: Backyard BBQ party scene
+   - Text: "Summer Parties = Liability Exposure" | "Guest Injury Coverage"
+   - Style: Social gathering photography
+   - Mood: Entertaining season prep
+
+176. **Black Friday Home Security**
+   - Image: Shopping bags at front door, security concern
+   - Text: "Thieves Know You're Shopping" | "Theft Claims Spike in December"
+   - Style: Holiday crime awareness
+   - Colors: Shopping season reds
+
+177. **Valentine's Day Fire Risk**
+   - Image: Candles causing fire hazard
+   - Text: "Candle Fires Peak on Valentine's Day" | "Fire Coverage $51/mo"
+   - Style: Romantic but risky
+   - Mood: Holiday-specific risk
+
+178. **Earth Day Eco Coverage**
+   - Image: Green, sustainable home features
+   - Text: "Earth Day: Insure Your Green Home" | "Solar Panel Coverage"
+   - Style: Environmental consciousness
+   - Colors: Earth greens, sustainable
+
+179. **Labor Day End of Summer**
+   - Image: Closing summer home for season
+   - Text: "Closing Your Summer Home?" | "Seasonal Policy Adjustments"
+   - Style: Seasonal transition
+   - Mood: End of season planning
+
+180. **Memorial Day Kick-Off**
+   - Image: Pool opening, summer activity start
+   - Text: "Pool Opening Weekend" | "Update Liability Coverage Now"
+   - Style: Summer recreation start
+   - Colors: Pool blues, summer vibes
+
+## Technology & Modern Living (181-200)
+
+181. **Smart Home Integration**
+   - Image: Smart home hub controlling everything
+   - Text: "Smart Home = Smart Discounts" | "20% Off with Monitoring"
+   - Style: Tech showcase, modern
+   - Colors: Tech blues, futuristic
+
+182. **Ring Doorbell Evidence**
+   - Image: Doorbell camera footage helping claim
+   - Text: "Your Doorbell Cam Just Saved Your Claim" | "Tech Discounts Available"
+   - Style: Security footage aesthetic
+   - Mood: Technology helping claims
+
+183. **AI Claims Processing**
+   - Image: AI analyzing damage photos instantly
+   - Text: "Upload Photo, AI Quotes Damage, Paid Same Day"
+   - Style: Futuristic AI interface
+   - Colors: AI purples, cutting edge
+
+184. **Drone Damage Assessment**
+   - Image: Drone inspecting roof damage
+   - Text: "Drone Inspection = Faster Claims" | "No Waiting for Adjusters"
+   - Style: Aerial technology
+   - Mood: Modern efficiency
+
+185. **EV Charging Station**
+   - Image: Home EV charger installation
+   - Text: "EV Charger = Fire Risk" | "Specialized Coverage Needed $8/mo Extra"
+   - Style: Electric vehicle lifestyle
+   - Colors: Electric greens, modern
+
+186. **Solar Panel Protection**
+   - Image: Solar panels on roof
+   - Text: "$25K Solar System Not Covered by Standard Policy"
+   - Style: Renewable energy photography
+   - Mood: Green investment protection
+
+187. **Home Battery Backup**
+   - Image: Tesla Powerwall or home battery
+   - Text: "Home Battery System = $15K" | "Cover Your Energy Independence"
+   - Style: Energy tech photography
+   - Colors: Tech silvers, modern
+
+188. **Cryptocurrency Home Office**
+   - Image: Crypto mining rig at home
+   - Text: "Mining Crypto at Home? Fire Risk Increased 300%"
+   - Style: Digital currency lifestyle
+   - Mood: Modern risk awareness
+
+189. **Home Automation Fire Risk**
+   - Image: Smart plugs, automation causing potential fire
+   - Text: "Smart Devices Failed = House Fire" | "Tech Malfunction Covered"
+   - Style: Technology gone wrong
+   - Colors: Warning oranges
+
+190. **3D Printer Fire**
+   - Image: 3D printer in home workshop
+   - Text: "3D Printer Fire Risk Real" | "Maker Space Coverage Available"
+   - Style: Hobby tech photography
+   - Mood: Modern hobby protection
+
+191. **Home Server Room**
+   - Image: Personal server setup, tech closet
+   - Text: "$10K Home Server Setup" | "Business Use = Different Coverage"
+   - Style: Tech enthusiast photography
+   - Colors: Server blues, technical
+
+192. **Security Camera Subscription**
+   - Image: Multiple camera feeds on phone
+   - Text: "Security Cams Reduce Rates 15%" | "Monitored Protection Pays"
+   - Style: Multi-camera interface
+   - Mood: Active protection discount
+
+193. **Smart Leak Detector**
+   - Image: Water leak sensor alerting phone
+   - Text: "Leak Detector Saved This Home $42K" | "Smart Tech Discounts"
+   - Style: IoT device showcase
+   - Colors: Alert reds, saved blues
+
+194. **Video Claim Submission**
+   - Image: Person filming damage on smartphone
+   - Text: "File Claims with Video" | "Faster Approval, Better Documentation"
+   - Style: Mobile-first interface
+   - Mood: Modern claim simplicity
+
+195. **Virtual Home Tour**
+   - Image: VR headset showing home inspection
+   - Text: "Virtual Home Inspection = Instant Quote" | "No Home Visit Needed"
+   - Style: VR technology showcase
+   - Colors: Virtual reality purples
+
+196. **Blockchain Policy**
+   - Image: Blockchain ledger representation
+   - Text: "Blockchain Smart Contracts = Instant Payout" | "Automatic Claims"
+   - Style: Futuristic finance tech
+   - Mood: Next-generation insurance
+
+197. **Alexa/Google Home Integration**
+   - Image: Voice assistant device in home
+   - Text: "Ask Alexa for Your Policy Details" | "Voice-Activated Insurance"
+   - Style: Voice tech lifestyle
+   - Colors: Smart speaker aesthetics
+
+198. **Augmented Reality Damage**
+   - Image: AR overlay showing repair visualization
+   - Text: "Point Phone at Damage, See Instant Repair Cost"
+   - Style: AR technology interface
+   - Colors: Augmented overlay effects
+
+199. **App-Only Discount**
+   - Image: Clean insurance app interface
+   - Text: "Manage Everything in App" | "App-Only Users Save 10%"
+   - Style: Mobile app showcase
+   - Colors: App store blue/green
+
+200. **Predictive AI Warning**
+   - Image: AI predicting maintenance needs
+   - Text: "AI Predicts Your Roof Needs Repair" | "Fix Before Damage"
+   - Style: Predictive technology
+   - Mood: Proactive AI protection
+
+---
+
+## BONUS CONCEPTS (201-220)
+
+201. **Influencer Partnership**
+   - Image: Home improvement influencer testimonial
+   - Text: "Sarah's Home Reno Channel Trusts Us" | "1M Followers Protected"
+   - Style: Influencer marketing aesthetic
+   - Mood: Social media trust
+
+202. **Podcast Ad Style**
+   - Image: Podcast host with home in background
+   - Text: "Sponsored by HomeShield" | "Use Code PODCAST for $50 Off"
+   - Style: Podcast sponsorship visual
+   - Colors: Audio waveform design
+
+203. **Meme Format**
+   - Image: Popular meme template about insurance
+   - Text: "Me: Finally Saves Money | Also Me: House Floods" | "Get Protected $52/mo"
+   - Style: Social media meme aesthetic
+   - Mood: Humorous relatability
+
+204. **TikTok Style**
+   - Image: Short-form video still, text overlay
+   - Text: "POV: You Didn't Get Home Insurance" | "Watch What Happens"
+   - Style: TikTok content format
+   - Colors: Gen Z aesthetics
+
+205. **Nostalgia Comparison**
+   - Image: Split 1990s home vs 2025 home costs
+   - Text: "1995: $800 Insurance | 2025: $2,400" | "Our Price: $980"
+   - Style: Nostalgic comparison
+   - Mood: Price shock, value positioning
+
+206. **Celebrity Home Fire**
+   - Image: News headline style (not naming real person)
+   - Text: "Celeb Home Fire: $4M Damage" | "Yours Covered for $67/mo"
+   - Style: Celebrity news aesthetic
+   - Mood: Aspirational protection
+
+207. **True Crime Angle**
+   - Image: Crime documentary style
+   - Text: "The Home That Wasn't Insured: A True Story"
+   - Style: True crime documentary aesthetic
+   - Mood: Storytelling, cautionary
+
+208. **Survival Prepper**
+   - Image: Well-stocked prepper home setup
+   - Text: "Prepped for Disaster?" | "Don't Forget Financial Protection"
+   - Style: Prepper lifestyle photography
+   - Mood: Preparedness community
+
+209. **Minimalist Design**
+   - Image: Clean, minimal home with single text line
+   - Text: "Protect More. Worry Less. $52." | "That's It."
+   - Style: Apple-style minimalism
+   - Colors: White space, clean lines
+
+210. **Maximalist Chaos**
+   - Image: Busy, cluttered home showing all possessions
+   - Text: "Your Stuff Adds Up" | "How Much Is It All Worth?"
+   - Style: Overwhelming visual, busy
+   - Mood: Inventory awareness
+
+211. **Horror Movie Poster**
+   - Image: Horror movie style poster
+   - Text: "Coming This Season: The Uninsured" | "Don't Star In This Story"
+   - Style: Movie poster parody
+   - Colors: Horror reds, dramatic
+
+212. **Video Game Achievement**
+   - Image: Achievement unlocked graphic
+   - Text: "Achievement Unlocked: Homeowner Status" | "Next Quest: Insurance"
+   - Style: Gaming UI aesthetic
+   - Mood: Gamified life milestone
+
+213. **Dating App Profile**
+   - Image: Dating profile style
+   - Text: "Looking for: Someone Who Has Home Insurance" | "Swipe Right"
+   - Style: Dating app parody
+   - Mood: Humorous, relatable
+
+214. **LinkedIn Professional**
+   - Image: LinkedIn post style
+   - Text: "Excited to Share: I Finally Got Adequate Home Coverage!"
+   - Style: Professional network post
+   - Mood: Professional milestone
+
+215. **Reddit Thread Style**
+   - Image: Reddit post and comments
+   - Text: "TIFU by Not Having Home Insurance" | "Don't Make This Mistake"
+   - Style: Reddit interface aesthetic
+   - Mood: Community wisdom
+
+216. **Yelp Review Format**
+   - Image: 5-star Yelp style review
+   - Text: "Claim Approved in 18 Hours - ⭐⭐⭐⭐⭐" | "See All Reviews"
+   - Style: Review platform design
+   - Mood: Social proof, ratings
+
+217. **Food Delivery App Style**
+   - Image: Insurance like food delivery interface
+   - Text: "Insurance Delivered in 60 Seconds" | "Add to Cart: Full Coverage"
+   - Style: Delivery app UI parody
+   - Mood: Instant gratification
+
+218. **Spotify Wrapped Style**
+   - Image: Year-end wrapped aesthetic
+   - Text: "Your 2024: 0 Claims Filed, 100% Protected" | "That's a Win"
+   - Style: Annual review design
+   - Colors: Spotify gradient colors
+
+219. **Weather App Warning**
+   - Image: Weather app severe alert
+   - Text: "⚠️ SEVERE WEATHER ALERT" | "Is Your Coverage Alert-Ready?"
+   - Style: Weather app interface
+   - Mood: Emergency notification
+
+220. **Stock Market Ticker**
+   - Image: Stock ticker showing home value
+   - Text: "HOME VALUE: ↑ 18% This Year" | "Coverage: Still at 2020 Levels ↓"
+   - Style: Financial ticker aesthetic
+   - Mood: Investment tracking
+
+---
+
+**Total: 220 Unique Ad Concepts with Detailed Image Generation Prompts**

home_insurance_ad_prompts.md

@@ -0,0 +1,614 @@
+# 100 Home Insurance Ad Prompts - Image Generation Details
+
+## Fear & Protection Triggers (1-15)
+
+1. **Split House Visual**
+   - Image: Split-screen showing pristine home on left, burned/flooded home on right
+   - Text overlay: "One Storm Away From Everything" | "Home Insurance from $47/mo"
+   - Style: Dramatic lighting, high contrast, professional photography
+   - Size: 1080x1080px square format
+
+2. **Cracked Foundation Warning**
+   - Image: Close-up of massive wall crack with worried homeowner's hand touching it
+   - Text: "This Crack Cost $127,000" | "Protected homes pay $0"
+   - Style: Macro photography, dramatic shadows, tension-building
+   - Colors: Dark grays, red accent for text
+
+3. **Flooded Living Room**
+   - Image: Beautiful living room submerged in water, furniture floating
+   - Text: "It Only Took 3 Hours" | "Claims approved in 24hrs - Coverage from $52/mo"
+   - Style: Cinematic wide shot, realistic water simulation
+   - Mood: Shocking, urgent
+
+4. **Fire Through Window**
+   - Image: Exterior shot of home with orange flames visible through windows at night
+   - Text: "Kitchen Fire = $89,000 Average" | "Full replacement coverage $58/mo"
+   - Style: Dramatic night photography, orange glow, documentary feel
+
+5. **Tree Fallen on Roof**
+   - Image: Large tree crashed through roof, massive damage visible
+   - Text: "Storm Season Started Yesterday" | "Are You Actually Covered?"
+   - Style: Drone shot, dramatic angle, overcast sky
+   - Colors: Dark, ominous, urgent red text
+
+6. **Empty House After Loss**
+   - Image: Family standing in front of damaged home with suitcases
+   - Text: "82% of Homes Are Underinsured" | "Free Coverage Calculator"
+   - Style: Documentary photography, emotional, realistic
+   - Mood: Empathetic, protective
+
+7. **Burst Pipe Waterfall**
+   - Image: Water gushing from ceiling pipe in modern kitchen
+   - Text: "Pipe Burst? Your Insurer Might Say NO" | "We Cover Everything $61/mo"
+   - Style: High-speed photography, dramatic water streams
+   - Colors: Blues, whites, urgent text overlay
+
+8. **Hail Damage Roof**
+   - Image: Aerial view of roof covered in hail damage, shingles destroyed
+   - Text: "Hail Damage Hidden? Your Rates Just Doubled" | "Lock In $49/mo Today"
+   - Style: Drone photography, tight crop showing damage detail
+   - Lighting: Overcast, documentary feel
+
+9. **Mold Discovery**
+   - Image: Person pulling back wallpaper revealing black mold
+   - Text: "Found Mold? This Costs $42,000+" | "Full coverage starts $54/mo"
+   - Style: Close-up photography, shocking reveal moment
+   - Colors: Dark, moldy greens, alarming
+
+10. **Lightning Strike**
+    - Image: Lightning bolt hitting home during storm
+    - Text: "Lightning Strikes Every 20 Seconds" | "Your TV, Appliances Protected $47/mo"
+    - Style: Long exposure photography, dramatic weather
+    - Mood: Powerful, urgent
+
+11. **Break-in Aftermath**
+    - Image: Kicked-in door, broken glass, disaster inside
+    - Text: "Robbery Every 26 Seconds" | "Theft + Vandalism Covered $59/mo"
+    - Style: Crime scene documentation style
+    - Mood: Unsettling, protective instinct trigger
+
+12. **Sinkhole Forming**
+    - Image: Ground cracking, beginning of sinkhole near home foundation
+    - Text: "Your Neighbor's Sinkhole Is Your Problem Too"
+    - Style: Ominous, documentary photography
+    - Mood: Geological threat awareness
+
+13. **Hurricane Boarding**
+    - Image: Family frantically boarding windows as dark clouds approach
+    - Text: "Hurricane Season = Price Increases" | "Lock Rate Now $73/mo"
+    - Style: Photojournalistic, urgent action
+    - Colors: Dark skies, sense of urgency
+
+14. **Tornado Approaching**
+    - Image: Dark funnel cloud approaching suburban neighborhood
+    - Text: "Tornado Alley Expanded 300 Miles" | "Are You In It Now?"
+    - Style: Ominous landscape, dramatic weather photography
+    - Mood: Immediate danger
+
+15. **Earthquake Crack**
+    - Image: Ground split open running toward house foundation
+    - Text: "Earthquake Insurance = $34/mo Extra" | "Is It Worth It? (YES)"
+    - Style: Dramatic ground-level shot
+    - Colors: Earth tones, cracking texture
+
+## Comparison & Value Triggers (16-30)
+
+16. **VS Competitor Split**
+    - Image: Two houses side by side, one protected (bright), one denied claim (dark)
+    - Text: "Big Companies Deny 40% of Claims" | "We Approve 94% - $52/mo"
+    - Style: Split-screen comparison, clean graphics
+    - Colors: Blue (protected) vs red (denied)
+
+17. **Receipt Comparison**
+    - Image: Two receipts side by side - one showing $15,000 loss, other $47/mo insurance
+    - Text: "Pay Now or Pay $15K Later?" | "Stop Gambling With Your Home"
+    - Style: Receipt mockup, clean photography
+    - Layout: Side-by-side comparison
+
+18. **Deductible Trap**
+    - Image: Fine print magnified showing "$10,000 deductible" highlighted
+    - Text: "Your Deductible Is HOW MUCH?" | "$500 Deductibles Available"
+    - Style: Magnifying glass effect, documentary
+    - Mood: Revealing hidden information
+
+19. **Coverage Gap Visual**
+    - Image: Puzzle with missing pieces over house photo
+    - Text: "Missing Coverage = 100% Your Problem" | "Full Protection $67/mo"
+    - Style: Conceptual photography, clean design
+    - Colors: White space, blue accents
+
+20. **Price Inflation Timeline**
+    - Image: Calendar with prices increasing month by month
+    - Text: "Rates Up 23% This Year" | "Lock In Today's Price Forever"
+    - Style: Infographic style, clean timeline
+    - Colors: Red trending up, green lock-in
+
+21. **Bank Statement Reality**
+    - Image: Bank statement showing one $52 charge vs one $87,000 charge
+    - Text: "$52/Month or $87,000 All At Once" | "You Choose"
+    - Style: Realistic banking app screenshot style
+    - Mood: Practical, clear choice
+
+22. **Multiple Choice Question**
+    - Image: Clean design with 3 boxes to tap
+    - Text: "What's Your Home Worth?" | "Tap: $200K | $400K | $600K+"
+    - Style: Interactive poll style, modern UI design
+    - Colors: Brand colors, clear CTA
+
+23. **Hidden Exclusions**
+    - Image: Insurance document with red strikethroughs on common items
+    - Text: "They Don't Cover: Mold, Floods, Earthquakes" | "We Do - $79/mo"
+    - Style: Document photography, highlighted exclusions
+    - Mood: Revealing, trustworthy
+
+24. **Claim Denied Stamp**
+    - Image: Claim form with big red "DENIED" stamp
+    - Text: "Denied Because of 'Pre-Existing Condition'" | "No Gotchas Here"
+    - Style: Bureaucratic document, stark
+    - Colors: Red stamp, official-looking
+
+25. **Premium vs Replacement Cost**
+    - Image: $50 bill floating vs $400,000 house
+    - Text: "$50 Protects $400K" | "The Math Makes Sense"
+    - Style: Clean product photography, scale comparison
+    - Mood: Value-focused, logical
+
+26. **Speed Comparison**
+    - Image: Stopwatch showing 24 hours vs snail showing 6+ months
+    - Text: "Claims: Us 24hrs vs Them 6+ Months"
+    - Style: Conceptual photography, time-based
+    - Colors: Fast (green) vs slow (red)
+
+27. **Coverage Layers**
+    - Image: Transparent shield layers stacking over house illustration
+    - Text: "Basic + Weather + Theft + Liability" | "All Included $64/mo"
+    - Style: 3D illustration, layered effect
+    - Colors: Transparent blues, protective feel
+
+28. **Star Rating Reality**
+    - Image: 5-star rating with fine print "for paying customers only"
+    - Text: "5 Stars... Until You File a Claim" | "We're Rated By Claims Paid"
+    - Style: Review interface mockup, revealing
+    - Mood: Trust-building through honesty
+
+29. **Processing Time Visual**
+    - Image: Two loading bars - one full (us), one barely started (them)
+    - Text: "While They 'Process'... We Pay" | "24hr Claims $58/mo"
+    - Style: Clean UI design, progress bars
+    - Colors: Green (complete) vs gray (waiting)
+
+30. **Bundling Savings**
+    - Image: Home + Auto + Life icons with percentage savings
+    - Text: "Save 43% Bundling Home + Auto" | "Both Protected $127/mo"
+    - Style: Icon-based infographic, clean
+    - Colors: Savings green, modern design
+
+## Urgency & Scarcity Triggers (31-45)
+
+31. **Rate Increase Warning**
+    - Image: Calendar with red X's counting down to price increase
+    - Text: "Rates Increase February 28th" | "Lock Today's Rate $52/mo"
+    - Style: Calendar graphic, countdown urgency
+    - Colors: Red alert, ticking clock
+
+32. **Limited Availability**
+    - Image: Map showing coverage areas with "FULL" stamps on regions
+    - Text: "New Policies Paused in 3 States" | "Is Yours Next?"
+    - Style: Map graphic, regional visualization
+    - Mood: Scarcity, geographic urgency
+
+33. **Weather Alert Style**
+    - Image: Emergency alert banner overlaying home
+    - Text: "SEVERE WEATHER ALERT: Applications Close at 6PM"
+    - Style: Emergency broadcast design
+    - Colors: Red/yellow alert, official
+
+34. **Application Window**
+    - Image: Window/door closing with light fading
+    - Text: "Insurers Closing Applications After Hurricane" | "Apply Now"
+    - Style: Metaphorical imagery, door closing
+    - Mood: Last chance urgency
+
+35. **Before Storm Deadline**
+    - Image: Storm clouds approaching with clock countdown
+    - Text: "Can't Buy Coverage During Active Storms" | "Buy Before It Hits"
+    - Style: Weather photography, time pressure
+    - Colors: Dark, ominous, urgent
+
+36. **Age-Based Pricing**
+    - Image: Birthday cake with candle, price increasing with each year
+    - Text: "Every Year Older = Higher Rates" | "Lock Your Age In Today"
+    - Style: Age progression visual
+    - Mood: Time-sensitive, aging concern
+
+37. **Seasonal Rush**
+    - Image: Many people crowding to get through door
+    - Text: "Hurricane Season = 6 Week Wait Times" | "Beat the Rush"
+    - Style: Crowd photography, busy scene
+    - Colors: Chaotic, urgent
+
+38. **Claim Window Closing**
+    - Image: Hourglass running out with house in background
+    - Text: "Report Damage Within 48hrs or Lose Coverage"
+    - Style: Time-based metaphor, sand timer
+    - Mood: Deadline pressure
+
+39. **New Home Urgency**
+    - Image: House keys with 30-day countdown timer
+    - Text: "Bought a Home? You Have 30 Days to Insure" | "Day 31 = Unprotected"
+    - Style: Key photography, calendar countdown
+    - Colors: New home gold, urgency red
+
+40. **Grandfathered Rates**
+    - Image: Old policy document vs new policy, price difference highlighted
+    - Text: "Old Customers Pay $47, New Pay $89" | "Grandfather In Now"
+    - Style: Document comparison, pricing contrast
+    - Mood: Fear of missing out
+
+41. **Inspection Deadline**
+    - Image: Inspector with clipboard, "FAILED" stamp
+    - Text: "Failed Inspection = No Coverage" | "Get Pre-Approved First"
+    - Style: Official documentation style
+    - Colors: Red fail, green approved path
+
+42. **Waiting Period Warning**
+    - Image: Calendar with 30 day wait time highlighted
+    - Text: "30-Day Waiting Period for Coverage" | "Start Now or Wait Unprotected"
+    - Style: Timeline graphic, waiting visualization
+    - Mood: Gap in coverage concern
+
+43. **Flash Sale Timer**
+    - Image: Digital countdown timer over home image
+    - Text: "48-Hour Rate Lock: $47/mo" | "Expires Sunday Midnight"
+    - Style: Digital timer, promotional urgency
+    - Colors: Red countdown, flash sale energy
+
+44. **Early Bird Discount**
+    - Image: Sunrise over home with early bird
+    - Text: "Applied Before Noon? Extra 15% Off" | "Morning Special $44/mo"
+    - Style: Sunrise photography, peaceful urgency
+    - Colors: Golden hour, inviting
+
+45. **Last Chance Notification**
+    - Image: Notification phone screen showing "Last Day"
+    - Text: "LAST DAY: 2024 Rates End Tonight" | "Tomorrow = 18% Increase"
+    - Style: Phone notification mockup
+    - Mood: Mobile urgency, immediate action
+
+## Social Proof & Trust Triggers (46-60)
+
+46. **Claim Payment Screenshot**
+    - Image: Phone showing "$43,789 Deposited" bank notification
+    - Text: "Fire Claim Paid in 18 Hours" | "Real Customer, Real Check"
+    - Style: Phone screenshot, bank app interface
+    - Mood: Trustworthy, proof-based
+
+47. **Customer Testimonial Split**
+    - Image: Before/after of home with customer photo and quote
+    - Text: "They Rebuilt Our Home in 8 Weeks - Sarah T."
+    - Style: Documentary photography, real people
+    - Mood: Authentic, trustworthy
+
+48. **Claims Approved Stats**
+    - Image: Large percentage "94%" with checkmarks background
+    - Text: "94% Claims Approved First Time" | "Industry Average: 54%"
+    - Style: Stat-heavy infographic, clean
+    - Colors: Green checks, professional
+
+49. **Licensing Badges**
+    - Image: All 50 state license badges displayed
+    - Text: "Licensed in All 50 States" | "A+ BBB Rated Since 2008"
+    - Style: Badge collection, official seals
+    - Mood: Credible, established
+
+50. **Review Compilation**
+    - Image: Collage of 5-star reviews from multiple platforms
+    - Text: "4.9/5 Stars Across 47,000 Reviews"
+    - Style: Review aggregation graphic
+    - Colors: Gold stars, trustworthy
+
+51. **Payout Speed Record**
+    - Image: Stopwatch showing record time with trophy
+    - Text: "Fastest Claim in Company History: 4 Hours"
+    - Style: Achievement display, record-breaking
+    - Mood: Performance excellence
+
+52. **Local Agent Photo**
+    - Image: Friendly local agent in front of your town landmark
+    - Text: "Your Local Agent: John Davis - 23 Years in Leesburg"
+    - Style: Professional headshot, community-focused
+    - Mood: Local, personal, trustworthy
+
+53. **Claims Team Photo**
+    - Image: Team of actual claims adjusters, diverse, friendly
+    - Text: "Meet Your Claims Team" | "Real People, Not Bots"
+    - Style: Corporate team photography, human
+    - Colors: Warm, approachable
+
+54. **Award Wall**
+    - Image: Wall displaying industry awards and recognitions
+    - Text: "Best Claims Service 2023, 2024, 2025"
+    - Style: Award display photography
+    - Mood: Accomplished, credible
+
+55. **Volume Social Proof**
+    - Image: Counter ticking up showing number of protected homes
+    - Text: "487,293 Homes Protected Today" | "Join Them"
+    - Style: Digital counter, large numbers
+    - Mood: Popular, massive scale
+
+56. **Neighbor Testimonial**
+    - Image: Neighborhood street with pins on multiple houses
+    - Text: "12 Families On Your Street Chose Us"
+    - Style: Map visualization, local proof
+    - Mood: Community trust
+
+57. **Expert Endorsement**
+    - Image: Industry expert or financial advisor with quote
+    - Text: "Top Financial Advisors Recommend Full Coverage"
+    - Style: Professional portrait, quote overlay
+    - Mood: Expert validation
+
+58. **Transparency Report**
+    - Image: Open book or clear glass showing internal data
+    - Text: "We Publish Every Denial Reason" | "100% Transparent"
+    - Style: Clean, transparent design metaphor
+    - Mood: Honest, nothing to hide
+
+59. **Response Time Promise**
+    - Image: Phone with immediate callback notification
+    - Text: "Call Returned in 8 Minutes (Average)" | "We Measured It"
+    - Style: Phone interface, time tracking
+    - Colors: Fast response green
+
+60. **Generational Trust**
+    - Image: Three generations of family in front of same home
+    - Text: "Protecting 3 Generations of the Miller Family"
+    - Style: Family photography, nostalgic
+    - Mood: Longevity, multi-generational trust
+
+## Pain Point & Problem Awareness (61-75)
+
+61. **Replacement Cost Shock**
+    - Image: House with "$750K to rebuild" vs "$400K insured for"
+    - Text: "Your $400K Home Costs $750K to Rebuild" | "Replacement Cost Gap"
+    - Style: Comparison overlay, shocking numbers
+    - Mood: Eye-opening, alarming
+
+62. **Hidden Water Damage**
+    - Image: Infrared camera view showing water behind walls
+    - Text: "Water Damage Hiding in Your Walls Right Now?"
+    - Style: Thermal imaging photography
+    - Colors: Heat map, scientific
+
+63. **Mortgage Requirement**
+    - Image: Mortgage document with insurance requirement highlighted
+    - Text: "Mortgage Requires Insurance... But Not Enough" | "Gap Coverage"
+    - Style: Document photography, highlighting
+    - Mood: Revelation, informative
+
+64. **Depreciation Warning**
+    - Image: Old vs new roof comparison showing value loss
+    - Text: "They'll Only Pay for Your 15-Year-Old Roof's Value: $3,200"
+    - Style: Side-by-side comparison, age deterioration
+    - Mood: Depreciation awareness
+
+65. **Personal Property Loss**
+    - Image: Empty room with outlines of missing furniture/items
+    - Text: "Your Stuff = $89,000 Worth" | "Only $10K Covered Standard"
+    - Style: Crime scene style outline, items absent
+    - Mood: Loss awareness
+
+66. **Liability Scenario**
+    - Image: Someone injured on property (slipped on ice)
+    - Text: "Guest Injured on Your Property? $240K Lawsuit"
+    - Style: Scenario photography, reenactment
+    - Mood: Liability fear
+
+67. **Code Upgrade Costs**
+    - Image: Building permit with massive upgrade costs
+    - Text: "Building Codes Changed = $47K Extra to Rebuild" | "Not Covered Standard"
+    - Style: Permit document photography
+    - Mood: Hidden cost awareness
+
+68. **Rental Loss Income**
+    - Image: Calendar with X's on rental income months during repairs
+    - Text: "Home Uninhabitable = $0 Rental Income for 6 Months"
+    - Style: Calendar visualization, lost income
+    - Mood: Investor/landlord concern
+
+69. **Vacant Home Risk**
+    - Image: Empty home with "VACANT" sign
+    - Text: "Vacant 30+ Days? Your Policy Just VOIDED"
+    - Style: Abandoned property photography
+    - Mood: Vacancy risk awareness
+
+70. **Pet Liability**
+    - Image: Dog with lawsuit papers
+    - Text: "Your Dog Bit Someone? You're Liable for $98K+"
+    - Style: Cute but serious, pet + papers
+    - Mood: Pet owner liability
+
+71. **Home Business Exclusion**
+    - Image: Home office with red "NOT COVERED" overlay
+    - Text: "Work From Home? Your $15K Equipment Isn't Covered"
+    - Style: Home office photography, overlay
+    - Mood: Modern work reality
+
+72. **Credit Score Impact**
+    - Image: Credit score dropping due to insurance lapse
+    - Text: "No Insurance = 60 Points Off Credit Score"
+    - Style: Credit score gauge, dropping needle
+    - Mood: Credit consequence awareness
+
+73. **Mortgage Forced Insurance**
+    - Image: Expensive "Lender Forced Insurance" bill
+    - Text: "Lapsed? Bank Buys Insurance FOR YOU at 3x Price"
+    - Style: Bill photography, shocking cost
+    - Mood: Forced placement fear
+
+74. **Airbnb Coverage Gap**
+    - Image: Airbnb listing with damage photos
+    - Text: "Airbnb Guest Damage NOT COVERED by Regular Policy"
+    - Style: Listing screenshot, damage reveal
+    - Mood: Short-term rental reality
+
+75. **Aging Infrastructure**
+    - Image: Old pipes, wiring, foundation
+    - Text: "Home Built Before 1990? 87% Chance of Major Issue"
+    - Style: Infrastructure close-ups, aging
+    - Mood: Older home concern
+
+## Benefit & Outcome Focus (76-90)
+
+76. **Peace of Mind Visual**
+    - Image: Family sleeping peacefully with protective shield over home
+    - Text: "Sleep Better Knowing Everything's Protected"
+    - Style: Peaceful night photography, serene
+    - Colors: Blues, calming, protective
+
+77. **Vacation Worry-Free**
+    - Image: Family on beach, home monitored in thought bubble
+    - Text: "Vacation Without Worrying About Your Home"
+    - Style: Vacation photography, carefree
+    - Mood: Freedom, relaxation
+
+78. **Quick Recovery**
+    - Image: Family back in restored home, happy
+    - Text: "From Fire to Fully Rebuilt in 89 Days"
+    - Style: After recovery photography, hopeful
+    - Mood: Resolution, happy ending
+
+79. **Financial Security**
+    - Image: Piggy bank or safe with home in background
+    - Text: "Protect Your Life's Biggest Investment"
+    - Style: Security metaphor, financial
+    - Colors: Secure greens, protective
+
+80. **Instant Quote**
+    - Image: Phone showing quote in 60 seconds
+    - Text: "Know Your Price in 60 Seconds - No Sales Calls"
+    - Style: Phone interface, timer
+    - Mood: Quick, easy, no pressure
+
+81. **Coverage Clarity**
+    - Image: Complex policy turning into simple checkmarks
+    - Text: "Plain English Policies - No Confusing Legal Speak"
+    - Style: Transformation visual, simplification
+    - Mood: Clarity, transparency
+
+82. **Claim Process Simple**
+    - Image: 3-step process: Photo -> Submit -> Get Paid
+    - Text: "File Claims From Your Phone in 3 Taps"
+    - Style: Process flow, mobile interface
+    - Mood: Simplicity, modern
+
+83. **No Increase After Claim**
+    - Image: Price staying flat after claim filed
+    - Text: "First Claim? Rate Stays the Same"
+    - Style: Flat line graph, stability
+    - Mood: Fair treatment, security
+
+84. **Emergency Services**
+    - Image: 24/7 hotline, emergency crew arriving
+    - Text: "2AM Pipe Burst? We Answer + Dispatch Help"
+    - Style: Emergency response, night
+    - Mood: Always there, reliability
+
+85. **Temporary Housing**
+    - Image: Nice hotel or rental with family
+    - Text: "Hotel Stays Covered During Repairs - No Limit"
+    - Style: Comfortable temporary housing
+    - Mood: Taken care of, comfortable
+
+86. **Customizable Coverage**
+    - Image: Slider controls for different coverage levels
+    - Text: "Build Your Perfect Plan - Only Pay for What You Need"
+    - Style: UI controls, customization
+    - Mood: Personal choice, control
+
+87. **Green Rebuild**
+    - Image: Home rebuilt with solar panels, modern efficiency
+    - Text: "Rebuild Better - Green Upgrades Covered"
+    - Style: Modern eco-home photography
+    - Mood: Future-forward, sustainable
+
+88. **Digital Everything**
+    - Image: All documents and cards on phone
+    - Text: "100% Digital - Policy, Cards, Claims All in App"
+    - Style: Phone app interface showcase
+    - Mood: Modern, convenient
+
+89. **Price Lock Guarantee**
+    - Image: Padlock icon with price locked inside
+    - Text: "Lock Your Rate for 3 Years - No Surprise Increases"
+    - Style: Lock metaphor, security
+    - Mood: Stability, predictability
+
+90. **Referral Rewards**
+    - Image: Two happy homeowners shaking hands
+    - Text: "Refer a Friend = $100 Off Your Premium"
+    - Style: Friendly interaction, reward
+    - Mood: Community, mutual benefit
+
+## Demographic Specific (91-100)
+
+91. **First-Time Homeowner**
+    - Image: Young couple with house keys, excited but nervous
+    - Text: "First Home? First Insurance? We'll Walk You Through It"
+    - Style: New homeowner photography, milestone
+    - Mood: Educational, supportive
+
+92. **Millennials Home Buying**
+    - Image: Young professional on laptop getting instant quote
+    - Text: "Born 1989-1995? Save $240/Year with Our Rates"
+    - Style: Modern, digital-native aesthetic
+    - Mood: Generation-specific, tech-savvy
+
+93. **Senior Discount**
+    - Image: Retired couple in well-maintained home
+    - Text: "65+? You Qualify for $340/Year Discount"
+    - Style: Mature adult photography, dignified
+    - Mood: Respect, age-appropriate savings
+
+94. **Military & Veterans**
+    - Image: Military family with flag, home
+    - Text: "Veterans Save 25% - Thank You for Your Service"
+    - Style: Patriotic, respectful military photography
+    - Mood: Honor, gratitude
+
+95. **Luxury Home Protection**
+    - Image: Upscale estate with premium features
+    - Text: "$1M+ Home? You Need Specialized High-Value Coverage"
+    - Style: Luxury real estate photography
+    - Mood: Exclusive, premium
+
+96. **Condo Owner**
+    - Image: Modern condo building
+    - Text: "Condo Insurance from $19/mo - HO6 Specialists"
+    - Style: Urban condo photography
+    - Mood: Affordable, specific solution
+
+97. **Landlord Multi-Property**
+    - Image: Multiple rental properties in portfolio view
+    - Text: "Own 2+ Rentals? Bundle and Save 40%"
+    - Style: Portfolio grid, multiple properties
+    - Mood: Investor-focused, scaling
+
+98. **Rural/Farm Property**
+    - Image: Farm house with land, barn
+    - Text: "5+ Acres? Standard Policies Don't Cover Your Property"
+    - Style: Rural landscape photography
+    - Mood: Specialized, understanding unique needs
+
+99. **Historic Home**
+    - Image: Beautiful historic Victorian home
+    - Text: "Historic Home? Requires Specialized Replacement Coverage"
+    - Style: Architecture photography, heritage
+    - Mood: Preservation, special care
+
+100. **Smart Home Discount**
+     - Image: Modern home with smart devices visible
+     - Text: "Smart Home Tech? Save 20% with Monitoring Devices"
+     - Style: Tech-forward home photography
+     - Mood: Innovation reward, modern