Source hierarchy
- The reader's actual declarations page, endorsements, and policy form.
- State insurance departments and federal agencies.
- NAIC consumer resources and insurer regulatory filings.
- Established industry education sources for general explanations.
When sources conflict, the applicable policy and regulator take priority over a general article.
Writing standards
- State the boundary between general education and a binding coverage decision.
- Avoid invented premiums, ratings, reviews, customer counts, and professional credentials.
- Label averages with their assumptions and source when data is available.
- Use “what to verify” when carrier or state rules can differ.
Updates
Pages are updated when a source changes, a material error is reported, or the comparison framework needs clarification. A modification date means the page content changed; it is not a claim of attorney, agent, or expert review.
Independence
Editorial conclusions are not sold to insurers. The site's current advertising status is described on the Advertising Disclosure page.