Insurance Compared Daily publishes educational guides about US insurance. Please read this disclaimer before you rely on anything on the site. In short: our content helps you understand insurance, but it is not advice, we are not your agent, and you should always confirm details with your insurer, agent or state insurance department.

Educational purposes only

Everything on insurancecompareddaily.com is for general information and education. We explain how auto, home, renters and life insurance usually work, what states require and how to compare policies.

Our content does not consider your personal situation, such as your state, driving record, home, health, family or finances. It cannot tell you what coverage is right for you.

Nothing on the site is insurance, financial, tax or legal advice. Nothing on the site is a recommendation to buy, change, keep or cancel a policy.

For advice about your situation, talk to a qualified professional, such as:

  • A licensed insurance agent or broker for coverage choices
  • A financial professional for questions about life insurance as part of your finances
  • A tax professional for tax questions
  • An attorney for legal questions, such as liability after an accident or a claim dispute

Reading our site does not create any professional, agent, advisory or fiduciary relationship with us.

We are not an agent, broker or insurer

Insurance Compared Daily is an independent publication. We are not a licensed insurance agent, broker or insurer. We do not:

  • Sell insurance or bind coverage
  • Give quotes or prices
  • Handle, approve or deny claims
  • Sell your information or leads to anyone
  • Name, rank or recommend specific insurance companies

Your policy is what counts

Insurance policies differ. Two policies with the same name can have different coverage, limits, exclusions and conditions. The exact words in your own policy, and the law in your state, decide what is covered. Our general explanations cannot override them.

State rules change

Insurance is regulated mostly by the states, and rules change. Minimum limits go up, programs change and new laws take effect. We cite official sources with “as of” dates and review every article at least every 12 months, sooner when a state changes a law or a minimum. Even so, there can be a gap between a change and our update.

Always check the “last updated” and “last reviewed” dates on an article. Then confirm current rules with your state insurance department. You can find yours through the NAIC directory of state insurance departments.

Illustrative examples are not quotes

Some articles include examples with dollar amounts to explain an idea. These are clearly labelled illustrative examples. They use round, obviously hypothetical numbers. They are not quotes, averages or predictions of what you will pay. Your price depends on your insurer, your state and your personal details.

Verify before you decide

Before you buy, change or cancel a policy, or make a claim:

  1. Read your policy documents, including the declarations page and exclusions.
  2. Ask your insurer or agent to explain anything you are unsure about.
  3. Check current rules with your state insurance department.
  4. Compare more than one quote, with the same coverage limits and deductibles.

Our life insurance guides explain general ideas, such as the difference between term and whole life, and ways to estimate how much coverage a family might need. They do not consider your health, age, income, debts or goals. Any estimate method we describe is a starting point for a conversation with a licensed professional, not a number to rely on.

Government programs

We sometimes name public programs, such as the National Flood Insurance Program (NFIP), state FAIR plans, the California Low Cost Auto Insurance Program and state assigned-risk plans. We name them because they are public programs, not because we have any relationship with them. Eligibility, coverage and costs are set by each program and can change. Always confirm details with the program itself.

Deadlines and claims

Insurance policies and state laws often set deadlines, such as how soon you must report an accident or file a claim. Do not wait to read an article before acting. If you have an accident, a loss or a dispute, contact your insurer as soon as you can and follow the steps in your policy. If you cannot resolve a problem with your insurer, contact your state insurance department.

Other languages

We publish guides in English, Spanish, Simplified Chinese, Vietnamese and Korean. Our non-English guides are written natively, not machine-translated, and follow the same rules. Insurance terms can be hard to translate exactly, so we often include the English term. If a word in your policy is unclear, ask your insurer or agent to explain it. Policies and official documents may be available only in English, and the official wording is what counts.

We link to government agencies, regulators and other official sources so you can check facts yourself. We do not control those websites and are not responsible for their content or for changes to them.

No warranty

We work hard to be accurate, but we cannot guarantee that every piece of content is complete, current or error-free. The site is provided “as is.” See our terms of use for full details. If you find an error, please tell us through our corrections policy.

Questions

Email hello@insurancecompareddaily.com with any questions about this disclaimer.