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Who Is Licensed, and Who Is Not

Written by Home Cover DeskEdited by Home Cover DeskNot reviewed by a licensed insurance producer — see belowUpdated August 28, 2026
This website is not a licensed insurance producer and does not sell, solicit or negotiate insurance. Two other parties would be licensed in the site we are building — a producer to review our content, and an agency to answer calls. Neither role is filled. No producer has reviewed anything here, and the number on this site reaches us, not an agency. The distinction below is why we do not do most of it.

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, every byline says in terms that no licensed insurance producer has reviewed the page. We do not print a placeholder in a credential slot.
  • The agency that answers the phone will be separately licensed, named with its NPN at the foot of every page. Not yet contracted — so that disclosure is absent from the footer entirely rather than shown as pending, and the number on this site reaches us rather than an agency.
  • 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.
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.

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.

Who is licensed for whatThe distinction below is a legal one, not a formality. It determines what each party may and may not do.
Who is licensed for what
Licensed?May they advise you about insurance?
This websiteNo — and deliberately soNo. We publish educational information. We do not sell, solicit or negotiate insurance, and we cannot advise you on your policy
Our content reviewerNobody holds this role yetWhen the role is filled it will be a licensed property & casualty producer who reviews our content for accuracy. They would not advise readers. Today no producer has reviewed anything here
The agency that answers the phoneThere is none. The number on this site reaches usWhen one exists, calls will be answered by a separate licensed insurance agency, which would be licensed to discuss coverage with you. No such arrangement exists today
Why we are not licensed, and why that is deliberate. A publisher that begins advising individual readers about their own policies is moving toward the line that producer licensing draws. Where exactly that line sits is narrower than it is often stated: the NAIC Producer Licensing Model Act defines “negotiate” as advising a purchaser about the terms of a contract provided that the person doing so either sells insurance or obtains it for purchasers. We do neither, so we are probably outside it. We have nonetheless built this site to stay well clear of the line rather than close to it, on the publishing side of that line: general information, no personalized advice, no quotes, no recommendations about which insurer to buy from. When you need someone who can discuss your own coverage you need a licensed agent — and the number on this site does not reach one. Your own agent, the number on your policy documents, or your state insurance department are the places to go today.

Our content reviewer

We do not have one. No licensed property and casualty producer has reviewed any page on this site. Every byline says so in those words, and this page is not going to say it more gently than the bylines do.

The intended arrangement: a licensed producer reviews every substantive page before publication and again on the review schedule, with their name, license number and National Producer Number on each page they reviewed. They would be engaged and paid by us for reviewing content, would receive nothing tied to whether you call or buy, and we would disclose that on every page carrying their name.

Until the role is filled, treat this site as what it is: primary-source research, cited at the claim, written and checked by people who are not licensed to advise you on your own policy.

The agency that answers the phone

Calls placed through this site reach HomeCoverDesk, not an agency. When an agency arrangement exists, calls will be answered by a licensed insurance agency that is a separate business — not owned by us, not owning us, and not one we act as agent for.

That agency's legal name and National Producer Number will 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 the number on this site reaches us, and we cannot discuss your coverage with you.

What none of us can do

We cannot tell you what to buy, read your policy for you, or predict what you will be charged. No reviewer stands behind these pages and no agency answers a phone here, so there is nobody on this site who can discuss your actual coverage with you. A licensed agent — your own, or one you choose — can; 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.

Corrections to this page (3)

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

  1. — This page's description and answer block said our content reviewer is licensed and that a licensed agency answers the phone. Neither role was filled: no producer has reviewed anything here, and at that time there was no phone number on the site.
  2. — Two takeaways described what the byline and the footer show — a role marked “pending” in each. Neither shows that. The byline states plainly that no licensed producer has reviewed the page, and the agency disclosure is absent from the footer entirely rather than shown as pending.
  3. — Several passages sent readers to a licensed agency reachable by telephone from this site, for help with their own coverage. There was no such agency, and there still is not. Those now point at a licensed agent of the reader's own choosing, or their state department of insurance.

How we researched this

This page describes our own arrangements and carries no external sources. It is updated whenever those arrangements change.

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

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?

There is no reviewer. No licensed insurance producer has reviewed this site, which is stated on every page. For help with your own coverage, 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.