Who this is for
Real-estate agents and mortgage loan officers watching the insurance contingency become the reason deals fall through; independent insurance agents and surplus-lines brokers placing hard-to-write homes; property managers, appraisers, and home inspectors who field the questions; and small-portfolio investors sizing up whether a market is even insurable before they buy. You're not in crisis, you're working, and you need fast, accurate, citable answers. That's what this is.
What's here you can use today
- State reference
- All 51 jurisdictions: FAIR Plan / Beach Plan / Wind Pool status, dwelling-coverage cap, eligibility, how to apply, cost positioning, recent changes. Browse the directory →
- Plain-English glossary
- Dated definitions of the terms a client will ask you to explain: difference-in-conditions wrap, named-peril vs open-peril, force-placed insurance, non-renewal vs cancellation. The glossary →
- Client playbooks
- Step-by-step, send-to-your-buyer guides for the three pinch points: a non-renewal notice, escrow in a fire/flood zone, a premium that just jumped. The playbooks →
- No-PII tools
- An availability estimator and a FAIR Plan coverage-gap calculator you can run in front of a client; no quote, no email, no phone. Open the tools →
- The changelog
- A dated ledger of what changed (rate filings, carrier exits, plan-cap moves), so you can see what's new since you last looked. The changelog →
Embed a dated state briefing on your own site
A free, dated badge you paste onto your site: your state's FAIR Plan status, dwelling cap, and market-stress tier, with the date we last verified it. It keeps every client looking at the insurance contingency that quietly sinks deals, and it carries a small credit link back to us. That is the whole ask. Here is a live example:
Pick your state, choose a size, copy, and paste. There is nothing to maintain, and the badge shows its own verified date so it never claims to be fresher than it is. Build your badge →
The FAIR Plan data, machine-readable
Two snapshots of the underlying figures, refreshed on every build. Pull them into a CMA addendum, a buyer one-pager, or your own spreadsheet. Every field carries its own source and verified date, so a table you build today carries its provenance with it.
- states.json Full per-state record; every field carries source_url + verified_at + confidence.
- states-lite.json One row per state with the headline figures (max dwelling, premium baseline, plan name, verified_at). For quick lookups and tables.
- changelog.xml RSS of every dated change. Drop it in a feed reader and get pinged when a plan cap or carrier position moves.
Why you can put your name next to it
You're recommending this to a client or citing it in a filing, so the sourcing has to hold up. It does: the primary source is linked next to every figure (the state Department of Insurance bulletin, the NAIC report, the FAIR Plan page, the CFPB advisory), every fact carries a verified [ISO date] chip sourced from a real re-check date, and the full method is on the methodology page with the source register. We're an independent reference, not an insurer or a quote aggregator; we are not affiliated with any FAIR Plan or state agency.
How to cite us
Quote any figure or table in client-facing or published work with credit and a link to the specific page (not the homepage), so the date stays attached to the claim:
“[Figure], per Still Insurable's [page title] (verified [ISO date]).”
Prefer to cite the primary source directly? We link it next to every figure; either path is fine, no permission needed. If you want a clean chart PNG with the source line baked in, or a CSV pull, email editorial@stillinsurable.com.
Partner with us
This is the one place on the site that isn't anti-funnel for you, because you're not a lead, you're a potential partner. Two paths:
- Brokers and agents who place hard-to-write homes: we are building a referral panel of licensed brokers, state by state, to hand homeowners to when they ask for a person. If you specialize in FAIR Plan placements, surplus lines, or escrow-deadline binders and want to be considered, email editorial@stillinsurable.com with your states and lines. Real license, real specialty; we vet before we refer.
- Agents and LOs who want a co-branded buyer resource: if you'd like a plain one-pager for your buyers (what the lender needs, by when; where the FAIR Plan fits) with your name on it, tell us your market and we'll see what we can build for it.
We read every email by hand and reply; this is a small desk, so give us a few days. No fee to be listed; no pay-to-play. We may be paid a referral fee by a broker when a homeowner we connect ends up placing a policy; that's the business model, stated plainly on our how we make money page.
What we don't do
- No insurance advice. The site is a reference; individual decisions go to the relevant Department of Insurance or a licensed agent.
- No lead capture on this page. You're not the product. The consumer lead path is elsewhere and clearly labeled.
- No unverified AI output. Drafts run a deterministic quality gate and a human editor; numeric claims ship with a source or not at all.
- No exclusives, no embargoes. Everything's on the open web; deep-link the URL and the date stays with it.
Contact
- Data requests, chart pulls, partnership, co-branded resources: editorial@stillinsurable.com
- A correction to a dated, sourced claim (these jump the queue): corrections@stillinsurable.com