Sourced data vs. representative estimates
We label every figure as one of two things. A sourced average is drawn from an authoritative dataset (NAIC, the Insurance Information Institute, a state Department of Insurance, the U.S. Census, FEMA, or the Insurance Bureau of Canada) and carries an inline citation and an "as of" year. A representative estimate is an illustrative figure for comparison only, generated from a documented model, useful for relative comparison, never a quote.
Where a true sourced figure isn't yet available for a specific line or place, we say so plainly rather than dress an estimate up as fact.
What's sourced today
These figures are real and cited inline: auto, the NAIC 2023 average expenditure, national plus all 50 states and DC; renters, the NAIC national average; pet, NAPHIA's 2024 average accident-and-illness premium; and state population from the Census 2023 estimates; and renter-occupancy rate for every U.S. state from the Census Housing Vacancies & Homeownership survey (2025). Other lines (homeowners, landlord, condo, flood, life, and the commercial lines) have no clean single national average published by a primary source, NAIC reports homeowners by coverage band, FEMA prices flood per-property, and commercial figures come only from vendor estimates, so those are shown as clearly-labeled representative estimates until a primary source is available. We never dress an estimate up as a verified figure.
How a fact gets published
Every fact-bearing page passes an automated quality gate before a human review: a compliance scan (no guaranteed-rate or unlicensed-advice language), structured-data validation, a required-disclaimer check, a minimum-sources check, and a check that each displayed figure resolves to a real source. Only then does a reviewer approve it.
How we rank carriers
We list real, established U.S. insurers and rank them by their AM Best Financial Strength Rating, the independent industry measure of an insurer's ability to pay claims. Each carrier profile shows its current AM Best rating, the year it was founded, its headquarters, and the lines it actually writes, with the rating linked to its source. Where J.D. Power has published a study result for a carrier (a customer-satisfaction rank or score), we note it and link the study. We do not publish a complaint index unless we can source it nationally from the NAIC, rather than substitute a partial state figure. Ratings change, so we record a "Last verified" date and re-check them. We never publish a fabricated score, and vendors never pay for placement.
Freshness
Each page carries a "Last verified" date. Rate data is re-checked on a rolling basis and law pages whenever a requirement changes. If a figure is older than its refresh window, it's flagged for re-verification.
Editorial review
Coverage guidance is reviewed by Daniel Osei, 12 years in personal & commercial property and casualty insurance. Reviews check that figures are sourced, requirements cite the regulator, and nothing reads as unlicensed advice.
What we will never do
- Publish a premium as a "quote" or "guarantee".
- Invent carrier ratings or reviews.
- Present unlicensed insurance, legal, or financial advice.
- Take payment for placement or ranking.