Why this exists
The project started in a familiar place: someone trying to move house in 2024 found that insurance had become the deciding factor. The market they wanted to buy in had carriers pulling out of the ZIP code; the FAIR Plan was an option, but nothing on the open internet explained, in clear English, what it covered, what it cost, or how the application worked. The state Department of Insurance had the answer buried in a sixty-page PDF. The lead-generation sites had a quote form.
The notes turned into a spreadsheet, the spreadsheet turned into a database, and somewhere around the third state it became clear this should be a public reference rather than a private file. The version you're reading is that file, dated and sourced, made for the next person at 11pm holding a non-renewal letter and wondering whether everyone else in their state has the same problem. They do.
Who makes this
A small editorial team works through the source material directly: plan rules, rate filings, statutes, and the state-DOI bulletins that move them. The job is to read what almost no homeowner has time to read, then write down what it actually says. We deliberately don't run this as a personal brand: the credibility is supposed to live in the method, not in a face. If a page makes a claim, what should reassure you is the source link next to it and the date under it, not whose name is on the masthead.
What the site is
- A state-by-state reference on FAIR Plans, Beach Plans, and the rest of the residual-market: what each plan covers, who qualifies, what it costs, how to apply, and what's changing.
- Plain-English guides for the three situations that bring most people here: a non-renewal notice, a binder problem mid-escrow, and a premium that just jumped.
- A working freshness cycle. Every fact has a re-check date; an automated sweep flags what's due; a person re-verifies it against the original source. The date on the page means something.
What this is the public-web complement to
The state Property Insurance Plans (the FAIR Plans, the Beach Plans, and the joint underwriting associations) have a national umbrella body called PIPSO, the Property Insurance Plans Service Office, formed in 1995. PIPSO publishes the industry-grade plan data: the Compendium of plan operations, the Market Penetration Reports, the loss and premium statistics. They sell these as PDFs to the industry, the state regulators, and the academic researchers who want them.
None of that data is on the open web in a form a homeowner can read. Still Insurable is the public-web complement: the same authority register, free, dated, sourced, and addressed to the person at the kitchen table holding the non-renewal letter, not the underwriter. If the question is “is this serious, do other people in my state have the same problem, what are my actual options,” that question deserves an answer that doesn’t cost $200 and isn’t buried inside a quote form.
What the site is not
- It's not a quote form wearing a publisher's clothes. Nothing here is gated behind your email or phone number, you can read every page without giving us anything. If you do choose to use the optional get-connected form, we're upfront about where your details go (to licensed broker(s) and partners, and your email may join a mailing list we may monetize) and you can opt out anytime, see the Privacy Policy.
- It's not insurance advice. It's a reference. Big regulated decisions still mean talking to a licensed agent and, when it matters, your state's Department of Insurance.
- It's not AI slop with a nice font. Content is drafted with AI assistance, then run through a deterministic quality gate and a human editor; every numeric claim has to carry its source or it doesn't ship. If you ever find a page that reads like filler, that's a bug, tell us.
Transparency
How it makes money
Two ways, both disclosed at the point they happen:
- Broker referrals. If you want help and we connect you to a licensed broker on our referral panel, we may be paid a referral fee. We say so right there, in a full sentence, next to the offer, and we put the do-it-yourself link next to it too, because for a lot of people the DIY path is the better one and hiding it would be a tell.
- Affiliate links. If we link a product or service (say, a difference-in-conditions policy or a comparison tool) and earn a commission, the link is labeled. We only link things we'd point a friend to, and the commission never changes what we say about them.
That's it. No ads that follow you around, no "unlock the full report" wall. If you use the optional get-connected form we may add your email to a mailing list and use it, or let partners use it, to send you related offers; every message has an unsubscribe link, and the full detail and opt-outs are in the Privacy Policy. The pitch is simple: be the most trustworthy page on the internet about whether you can still insure your home, and let that be the business.
Contact
- Corrections to a dated, sourced claim: corrections@stillinsurable.com (these jump the queue)
- Privacy requests and opt-outs: privacy@stillinsurable.com
- Everything else: hello@stillinsurable.com
Who's legally responsible
Still Insurable is published by Perfect Life Network LLC, registered in Delaware, USA. Subpoenas, formal correspondence, and disputes covered by our Terms go to that entity. The day-to-day editorial and corrections inbox is corrections@stillinsurable.com; we read everything and we read it quickly.