How this site works

Editorial standards

What we publish, how we source it, and the limits of what this site can tell you.

Who has checked this

Everything here is researched from primary sources and cited to them. No named human editor has reviewed it, and no licensed insurance professional has reviewed it. We say this plainly rather than implying oversight that does not exist.

What we publish

General, factual information about insurance products and insurance companies in the United States: how coverage works, what policies typically include and exclude, what affects cost, and what individual companies disclose about their own products.

What we do not publish

Insurance quotes, prices, or premium estimates.

Claims that a company is the best, cheapest, top-rated or most trusted.

Savings claims, whether specific or implied.

Star ratings or scores of our own invention.

Reviews, testimonials or customer counts that we did not receive from real people.

Personalized insurance, legal, tax or financial advice.

How a fact gets onto a page

Every company fact on this site is stored as a discrete record with the source it came from, a verbatim excerpt from that source, and the date it was retrieved. Page templates cannot display a company fact that has no such record. When a fact has not been verified, the page shows Not verified rather than an estimate.

Source hierarchy

We prefer sources in this order, and we record which tier each fact came from.

Tier 1Government and regulatorsState departments of insurance, other federal and state government sources, the NAIC, insurer regulatory filings, and statutes or regulations.

Tier 2The company itselfOfficial insurer websites, official product documentation and disclosures, and official financial reports.

Tier 3Credible independent sourcesUsed only where no primary source is available.

Affiliate comparison sites, content aggregators and generative answer engines are not accepted as evidence for a factual claim. Our data layer rejects them at the point of entry rather than relying on discipline.

Conflicting sources

Where two sources disagree, the higher tier wins and the conflict is recorded. Where the conflict is material and cannot be resolved, the fact is withheld and the item is routed to a review queue instead of being published.

Authorship

Content is attributed to Insurouter as an organization. We do not publish author or reviewer names, because no individual has reviewed this content. We will not create author profiles for people who did not do the work.

Corrections

If something here is wrong or out of date, tell us and we will check it against the source. There is a form for it on the contact page, and the same form on every company profile, already attached to that company. It asks what the page says, what it should say, and where the correct version can be seen. It does not ask who you are.

A correction is stored and queued. We do not promise a response time, and nobody is working that queue on a schedule, so what we can honestly say is that corrections are recorded, readable by whoever next opens the queue, and checked against the source before anything changes. Where a correction is accepted, it updates the underlying record, every page that displays it, and the change history, with a new verification date.