Key takeaways
- A named licensed producer will review every page before it publishes — the role is not filled yet and the byline says so. Not a generic “reviewed by our experts” line.
- Sources are cited at the claim — in the table caption or the sentence itself, with the year. Each page also carries a methodology block at the foot explaining what was used and what its limits are; that is context, not where the citation lives.
- We publish what we do not know. Where a fifty-state answer would require inference, we give the states we verified and say the rest is unverified.
- We publish no reviews, ratings, testimonials or star scores of any insurer, and we never will.
The review process
Nothing publishes on one person's say-so.
| Role | What they are responsible for | Named on the page? |
|---|---|---|
| Writer | Research, structure, and drafting from primary sources | Yes |
| Editor | Accuracy of every claim against its cited source; clarity; house standards | Yes |
| Licensed reviewer | A licensed property & casualty producer reads the page before it publishes and again on the review schedule, and signs off that the insurance content is correct | Yes — with license number and NPN |
| Data reviewer (data pages only) | Independent re-derivation of every published figure from the source files | Not yet in place. We have no data pages published, and the byline carries three roles rather than four. This row describes what we will do before publishing one, not what we do today |
The reviewer is our own contracted licensed producer, engaged by us to check accuracy. They are not the agency that answers the phone, and their name stays on the page regardless of who we route calls to. That is deliberate: the accuracy of what you read should not depend on a commercial relationship.
Because we compensate the reviewer for their time, we say so on every page carrying their name. They are paid for reviewing, not for outcomes, and receive nothing tied to whether you call or buy.
How we handle sources
Insurance writing has a bad habit: a figure appears in one article, gets quoted by a second, and by the fifth nobody can say where it came from. We try not to add to that.
| Source type | How we use it |
|---|---|
| Statutes and regulations | Cited to the section. Quoted where the wording matters |
| State insurance department material | Cited to the issuing department, with the date |
| Federal data — FEMA, Census, NOAA, Treasury | Used directly. Public domain, and we state the vintage |
| NAIC publications | Cited in prose only. NAIC's tables are copyright and we do not republish them |
| Industry research from a named firm | Cited with the firm, the publication date, and what the sample actually was |
| Another content site | Never as a source of fact. If a claim can only be traced to another publisher's article, we do not publish it |
| Anything we cannot verify | Not published — or published with the uncertainty stated plainly. See the rule below |
The rule we are most serious about: saying when we do not know
A great deal of what people want to know about home insurance varies by state, and a great deal of it is not published anywhere authoritative.
The tempting response is to assemble a confident-looking fifty-state table out of inference. We do not do that. Where we have verified some states and not others, we publish the ones we verified, say plainly that the rest are unverified, and point you at your own department of insurance.
What we will not publish, ever
These are standing rules, not editorial preferences.
No reviews, ratings, star scores or testimonials of any insurer. We take compensation for connecting readers to a licensed agency. A site that does that cannot honestly present itself as an independent rater, and we do not try to.
No claim that we compare every carrier or find the cheapest policy. We do not compare carriers at all, and no one who takes payment for referrals can credibly claim to survey the whole market.
No invented people. Every human name on this site belongs to a real, verifiable person. No stock personas, no invented experts, no fabricated quotes.
No personalized quotes or premium predictions. We publish sourced, dated aggregate figures with their assumptions stated. We do not tell you what you will pay, because we cannot know it.
No date changed to look fresh. An updated date on this site means something on the page actually changed.
How often pages are reviewed
Different facts go stale at different speeds, so the schedule varies by page type. Cost and market pages are reviewed most often; policy-mechanics explainers least often. Any page is reviewed immediately when a statute or regulation it describes changes.
The date shown on a page is the date of its last substantive review. If nothing changed, the date does not move.
Methodology and sources
This page describes our own process and carries no external sources. It is reviewed whenever the process changes.
Frequently asked questions
Who writes this site?
Named writers and editors, with every substantive page additionally reviewed by a licensed property and casualty producer. All are named on the page itself, and the reviewer's license number and NPN are published so you can verify them.
Do insurers pay you to be featured?
No. We do not accept payment from insurers, we do not rank or rate insurers, and no insurer has any influence over what we publish. We are paid a fixed fee when a reader calls our advertising partner — the same amount whether or not you buy anything. Our how we make money page sets this out in full.
Do you use AI to write this content?
Yes, alongside other tools. We are not going to be coy about it, because the honest answer matters more here than a reassuring one. What we do about it: every factual claim is tied to a named primary source with the part of the document identified, and pages are audited adversarially against those sources — a process that has repeatedly found real errors, including quotations that did not exist in the documents they were attributed to and corrections that were themselves wrong. Those are recorded on the pages where they happened. Two human roles are part of the intended process and neither is filled yet: a named editor and a licensed producer who signs each page. Nothing has published. When it does, no page will publish without a named human having read it and put their name to it — and if you are reading a page whose byline still says pending, that has not happened for that page.
Why do some pages say you do not know something?
Because we do not, and the alternative is inventing it. Many state-level insurance rules are not published in any authoritative, comparable form. Where that is true we say so and point you at your own department of insurance.