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We have no revenue yet. Here is the arrangement we are building

Written by Home Cover DeskEdited by Home Cover DeskNot reviewed by a licensed insurance producer — see belowUpdated August 28, 2026
Nobody pays us for this site. The telephone number on it reaches us, not an insurance agency, and there is no advertiser and no referral arrangement in place. We intend to earn a fixed fee in future by referring readers to a licensed insurance agency by telephone. That has not begun, no agreement exists, and this page will describe the arrangement in full before it earns us anything.

Key takeaways

  • Nothing on this site earns us money today. The telephone number reaches us and earns us nothing; no advertiser, no affiliate links, no agreement signed.
  • No insurer pays us, and we publish no ratings, rankings or reviews of insurers. That will not change when we do start earning.
  • There is no form on this site, so we take nothing from you as you read, and we never sell or share reader details. If you email us, we have the address you sent from, used to reply and nothing else.
  • We still have an incentive, and it is worth naming. We are building towards being paid per phone call, so we write about the problems that make people phone an insurer. That shapes what we cover now, before any money changes hands.
Why you can trust HomeCoverDesk. Every page is written from primary sources — statutes, regulations, state insurance department material and primary agency documents — quoted and cited inline at the claim, with the part of the document named. No licensed insurance producer has reviewed these pages. We are not licensed to sell insurance and we do not: nothing here is advice about your policy. This particular page describes us rather than the outside world, so it carries no external sources to link; the pages that make factual claims about insurance quote every one of them and list the documents at the foot. Nothing on this site earns us money today — no advertiser, no referral arrangement, and nothing for the calls we take. Read our editorial policy, methodology and how we make money.

The arrangement, in plain terms

This site is free to read, and at the moment nothing pays for it. There is no advertising arrangement, no agency partner and no revenue, and the telephone number on this site reaches us rather than an agency. Everything below describes what we intend to do, in the conditional, because none of it is happening.

The intended arrangement: a licensed insurance agency would answer calls placed from a number on this site, and if a call reached a defined minimum length we would be paid a fixed fee for it. The fee would be set in advance, the same for every qualifying call, and would not change based on anything you did afterwards.

What we would be paid for, and what we would not — nothing here is runningOur own commercial arrangement, described in full.
What we would be paid for, and what we would not — nothing here is running
Would we be paid?
You read a pageNo
You call the number and speak to our advertising partner — the number reaches us, and there is no partner todayNothing today. Under the intended model, a fixed fee
You buy a policyNo, and not under the intended model either. The fee would be identical whether you buy or not
You buy an expensive policy rather than a cheap oneNo difference
An insurer wants favorable coverageWe do not accept payment from insurers at all
We send your details to anyoneWe do not collect your details. There is no form on this site
The line that matters most: the fee is not contingent on a sale. That is not only modesty. In the states we have looked at, an unlicensed party may take a referral fee for an insurance introduction on the condition that it is flat and does not depend on whether a policy is sold; a fee that rose when you bought something would raise a producer-licensing problem. We are not naming states or citing sections here, so read that as our understanding rather than as legal advice, and note that this page carries no external sources. And flat-fee referral is not “the only structure available to us”: a publisher can lawfully take display advertising, sponsorship or subscriptions. Flat-per-call is a structure we chose, and we would rather say so than dress a preference up as a legal compulsion.
What we would be paid for, and what we would not — nothing here is runningOur own commercial arrangement, described in full.
What we would be paid for, and what we would not — nothing here is running
Would we be paid?
You read a pageNo
You call the number and speak to our advertising partner — the number reaches us, and there is no partner todayNothing today. Under the intended model, a fixed fee
You buy a policyNo, and not under the intended model either. The fee would be identical whether you buy or not
You buy an expensive policy rather than a cheap oneNo difference
An insurer wants favorable coverageWe do not accept payment from insurers at all
We send your details to anyoneWe do not collect your details. There is no form on this site

What this does to our incentives

Every publisher that takes money has incentives. We take none yet — and we still have an incentive, because we are building towards being paid per call and that already shapes which topics we write about. The table below describes the incentives the intended arrangement would create, and the one we have now.

What our model does and does not incentivize — read this skepticallyOur own assessment of our own incentives. You should weigh it against what you actually see us publish.
What our model does and does not incentivize — read this skeptically
Effect on us
Writing about topics where people callA real incentive. We write more about non-renewals and roofs than about, say, jewelry scheduling — because that is where readers pick up the phone
Recommending you buy somethingNo incentive. We are paid the same if you call and decide to do nothing
Recommending a particular insurerNo incentive, and we do not do it. We publish no ratings or rankings
Making the call seem more urgent than it isA theoretical incentive we work against. Several pages here tell you to get an inspection or gather evidence before calling anyone
Keeping you on the page longerNo incentive. We are not paid for attention

The honest summary: our incentive is that you call, not that you buy. That is a materially better alignment than a commission model, and it is still an incentive. Read us accordingly.

What we do not do

We do not take money from insurers. Not for placement, not for coverage, not for a mention. No insurer has any influence over anything on this site.

We do not sell, share or broker your data. This is easy for us to promise because we have made it structurally impossible: there is no form anywhere on this site, so there is nothing for us to collect as you read, and nothing to sell. The one exception, stated plainly because an absolute claim here would be false: if you email us, we have the address you emailed from. We use it to reply to you and for nothing else.

We never call you. We have no way to. Calls go one direction only — from you, when you choose.

We do not rate, rank or review insurers. A site paid to route calls — which is what we intend to be — cannot honestly present itself as an independent rater of the companies involved, and we are not going to build the habit now and break it later.

Who actually answers the phone

We answer the phone, and we are not licensed to sell you insurance. The number on this site reaches HomeCoverDesk. When an agency arrangement exists, calls will instead be answered by a licensed insurance agency named in the disclosure at the foot of every page, along with its National Producer Number so you can verify it independently. Until that agency exists and is named here, there is nothing to call.

We are not that agency. We do not sell insurance, we are not licensed to, and we cannot advise you about your policy. We publish information; they are licensed to talk to you about coverage. Our licensing page sets out exactly who is licensed for what.

Corrections to this page (3)

We publish these rather than editing quietly. Our corrections policy explains how we handle errors.

  1. — This page said we are paid, when we are not. Its title, its search-result description, its social preview, its structured data and seven statements in the body all described a live advertising arrangement with a licensed insurance agency — one of them said the site was funded by an advertising arrangement with a licensed insurance agency, another that a qualifying call earned us a set sum. There was no such arrangement and no phone number on this site at the time. The disclosure block in the footer and the summary at the top of this page were both correct at the time; the body, the title and the machine-readable description were not, which is the worst possible split on the one page whose subject is money.
  2. — An FAQ answering “Why should I believe any of this?” told readers that the agency was named, with its producer number, in the footer of every page. No agency is named there, because there is no agency. A reader who did the check we invited would have found nothing and reasonably concluded we were lying.
  3. — We wrote that a flat, non-contingent referral fee “is the only structure available to us” as a matter of law. That is not true — a publisher may lawfully take display advertising, sponsorship or subscriptions. We had presented a business preference as a legal compulsion, on the page where that is least affordable, and with no state named and no section cited.

How we researched this

This page describes our own commercial arrangement and carries no external sources. It is reviewed whenever that arrangement changes.

What we could not find

This page makes 1 claim that something does not exist. That is the one kind of claim you cannot check by following a link, because there is no document to link to — so here is the search behind each one, and what we opened. Not finding something is not a finding. If you know of a source we missed, our corrections policy says how to tell us.

  1. “no licensed insurance agency stands behind this site”

    Where we looked 30 August 2026.

    1. Checked whether any licensed insurance agency is contracted to take calls from this site, which is a different question from whether a telephone number exists on it
    2. Checked the national producer registry for any producer or agency license held by the company that publishes this site

    What we actually opened

    1. No agency agreement exists. The telephone number on this site is answered by HomeCoverDesk itself, and nobody answering it holds an insurance license, which is why the disclosure beside every appearance of that number says we cannot quote or advise, and says what the call is actually for
    2. The site's configuration records no agency, no producer number and no compensation, and in that state the template refuses to render the three call-related disclosures, all of which describe a licensed agency that does not exist

Frequently asked questions

Does it cost me anything to call?

Calling us is free and carries no obligation, but understand what you reach: the number goes to HomeCoverDesk, not to an insurance agency, and we hold no license to quote or advise on your coverage. When an agency arrangement exists, the call will still be free to you and we would be paid by the agency rather than by you.

Do you get paid more if I buy an expensive policy?

We are not paid at all today. The arrangement we intend is a fixed amount per qualifying call that does not vary with whether you buy, what you buy, or what it costs — and we would rather commit to that here, before any money exists, than after.

Will you sell my information?

We do not have your information. There is no form on this site, so we never collect a name, an email address or a phone number from readers.

Why should I believe any of this?

Check it rather than believing it. Scroll to the footer: there is no agency named and no producer number, because there is no agency — and if there were, it would be named there with its number so you could verify it independently. Look for a phone number or a form anywhere on this site; there are none. Those absences are the whole of the evidence we can offer right now, and they are the kind you can check in ten seconds without taking our word for anything.