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<blockquote data-quote="Manbearcat" data-source="post: 6351093" data-attributes="member: 6696971">I think they're model is a very common one these days with corporate entities that have a diverse portfolio.&nbsp; The poster child is large insurance companies.&nbsp; Its a well understood fact among actuaries for large companies that the net profit for homeowner's insurance is somewhere between a (hopefully) minor loss to breaking even in most markets.&nbsp; However, major insurers aren't banking on profit (which doesn't exist) gained from HO insurance.&nbsp; They're using HO products to get a foot in the door, cast a wide net and hopefully gain your (mid-grade premium + low-risk or high premium + mid-grade risk) policies (primarily auto but possibly umbrella/life) policies that fit their model for your specific market.&nbsp; I'm pretty sure Hasbro is doing this (a) in the macro with D&amp;D on the whole and (b) in the micro with the free online PDF and the low-cost Starter set (hence my disagreement at the poor review which basically dismisses the value of a $12-20 &quot;foot in the door&quot; entry product).</blockquote>

[QUOTE="Manbearcat, post: 6351093, member: 6696971"] I think they're model is a very common one these days with corporate entities that have a diverse portfolio. The poster child is large insurance companies. Its a well understood fact among actuaries for large companies that the net profit for homeowner's insurance is somewhere between a (hopefully) minor loss to breaking even in most markets. However, major insurers aren't banking on profit (which doesn't exist) gained from HO insurance. They're using HO products to get a foot in the door, cast a wide net and hopefully gain your (mid-grade premium + low-risk or high premium + mid-grade risk) policies (primarily auto but possibly umbrella/life) policies that fit their model for your specific market. I'm pretty sure Hasbro is doing this (a) in the macro with D&D on the whole and (b) in the micro with the free online PDF and the low-cost Starter set (hence my disagreement at the poor review which basically dismisses the value of a $12-20 "foot in the door" entry product). [/QUOTE]

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