Key takeaways
- We are not licensed and do not want to be positioned as though we were. We publish information; we do not advise on coverage.
- Our content reviewer will hold a P&C producer license, published with the number and NPN so you can verify it. Not yet appointed — until they are, the byline shows the role as pending rather than naming anyone.
- The agency that answers the phone will be separately licensed, named with its NPN at the foot of every page. Not yet contracted, which is why the footer shows it as pending and no number is live.
- An NPN is independently checkable through the national producer registry. We publish the reviewer's and the agency's, once those parties are engaged, so you do not have to take our word for it. We have no NPN of our own — we are not a licensed producer.
Three parties, three different positions
People reasonably assume a site about insurance is run by insurance people. Here that is only partly true, and the distinction matters legally.
| Licensed? | May they advise you about insurance? | |
|---|---|---|
| This website | No — and deliberately so | No. We publish educational information. We do not sell, solicit or negotiate insurance, and we cannot advise you on your policy |
| Our content reviewer | Yes — a licensed property & casualty producer | They review our content for accuracy. They do not advise readers and are not available for consultations |
| The agency that answers the phone | Yes — a licensed insurance agency | Yes. They are licensed to discuss coverage with you. They are a separate business from us |
Our content reviewer
Every substantive page is reviewed by a licensed property and casualty producer before publication and again on the review schedule. Their name, license number and National Producer Number appear on each page they have reviewed.
They are engaged and paid by us for reviewing content. They receive nothing tied to whether you call or buy, and we disclose the arrangement on every page carrying their name.
Pending publication. Full credential details are published here once our reviewer engagement is finalized.
The agency that answers the phone
Calls placed through this site are answered by a licensed insurance agency. It is a separate business. We are not owned by it, we do not own it, and we are not its agent.
The agency's legal name and National Producer Number appear in the disclosure at the foot of every page. An NPN can be checked independently through the national producer registry, which is the point of publishing it — a license claim you cannot verify is not a credential.
Pending publication. The agency's full name, NPN and state license list are published here once the arrangement is finalized. Until then this site is not accepting calls.
What none of us can do
Neither we nor our reviewer can tell you what to buy, read your policy for you, or predict what you will be charged. The licensed agency can discuss coverage with you; even they cannot promise an outcome before an insurer has assessed your property.
If you want a view that is not connected to any commercial arrangement at all, your state department of insurance runs a free consumer helpline. Most publish complaint data, and the NAIC's Consumer Information Source aggregates complaint records nationally. We recommend them without reservation and without being paid to.
Methodology and sources
This page describes our own arrangements and carries no external sources. It is updated whenever those arrangements change.
Frequently asked questions
Are you an insurance agency?
No. We are a publisher. We do not sell insurance, we are not licensed to, and we do not receive commission on any policy.
What is an NPN?
A National Producer Number — a unique identifier for a licensed insurance producer or agency, checkable through the national producer registry. It is more useful than a license number because it is national and independently verifiable.
Can your reviewer help me with my policy?
No. They review our published content for accuracy and do not take reader inquiries. For help with your own coverage, the licensed agency on the phone, an independent agent of your own choosing, or your state department of insurance are the appropriate routes.
How do I check a license myself?
The route that actually works for a consumer is your state insurance department's license lookup, which is free and shows current status. The national producer registry's free public search resolves a name to a National Producer Number; the fuller producer report, which is what shows license status, appointments and any regulatory actions, is restricted to entities with a permissible purpose and is not free to the public. We previously said both routes were free, which was half wrong.