What counts as a source
In rough order of how much weight we give it:
- The FAIR Plan or residual-market mechanism itself, its policy pages, rules manuals, rate filings, and published statistics. This is ground truth for what a plan covers, who's eligible, and how to apply.
- The state Department of Insurance, bulletins, press releases, statutes, approved rate changes, market-conduct data. Ground truth for the regulatory frame.
- NAIC and the Insurance Information Institute, for the cross-state picture: which states have a plan, residual-market share, industry-wide figures.
- Reputable industry and consumer-advocacy reporting, for context, recent events, and figures the official sources haven't published yet (e.g. a just-filed rate request). We name the outlet and we mark the confidence lower.
We do not treat insurance-company marketing pages, lead-generation sites, or AI-generated content as sources. If a fact only exists on one of those, it isn't on this site.
Industry references we lean on
Beyond each state's own plan and DOI, a small set of industry bodies publish the cross-state and historical data we cross-check against. We name them so you can verify what we say independently:
- PIPSO, the Property Insurance Plans Service Office. The not-for-profit national umbrella body for the state FAIR Plans and Beach Plans, formed in 1995. Their members directory is the canonical list of every plan in the country; their annual publications (the Compendium, the Market Penetration Report, the PIPSO Reports) are the reference dataset for plan operations and are sold to the industry.
- NAIC, the National Association of Insurance Commissioners, for the regulatory frame and cross-state filings.
- Insurance Information Institute (III), for the published cross-state policy counts and exposure figures.
- Institute for Business and Home Safety (IBHS), for the underlying loss-mitigation research that backs the wind-mitigation, FORTIFIED, and defensible-space programs we describe.
- United Policyholders, the consumer-side non-profit, for plain-English explainers and the policyholder perspective on rule changes.
Which states we cover, and which we don't yet
We prioritize the states where the question "is my home still insurable?" is being actively asked, the ones with carrier pull-backs, FAIR-Plan growth, accelerating non-renewals, or coastal residual markets under strain. That work is well underway. Several lower-strain inland states are not on the site yet because the underlying data is thinner and the urgency is lower; we are not pretending the dataset is complete. As we deepen coverage we add states; the date on each state page tells you when we last verified it. A state without a dedicated page means we have not finished the work to publish one to our standard, not that there is no story there.
How often we re-check
Every fact has a re-check date. Most are on a roughly 90-day cycle; fast-moving items, rate filings, policies-in-force counts, anything tied to an active legislative session, get checked more often. An automated sweep flags facts that have come due, and a person re-verifies them against the original source before the date on the page changes. When a value actually changes, we keep the previous value and the date it changed, so the history is visible rather than silently overwritten (the running record is on the site changelog).
The first pass on each re-check is automated: a data-verifier re-fetches each fact's source URL and flags any that no longer support the stated value, so the human re-check focuses on the items that have actually moved rather than re-reading every page line by line.
What the confidence labels mean
- High, stated plainly by a primary source (the FAIR Plan or the DOI). We present it as fact.
- Medium, well-supported by reputable secondary reporting, or a primary source that's slightly ambiguous on the exact wording. We present it without hedging but cite it clearly.
- Low, reported but not yet confirmed by a primary source, or sources don't fully agree. We hedge the language ("reportedly", "appears to be") and still cite it. We'd rather show you a low-confidence fact with the caveat than leave a gap.
What we will not claim
- We don't quote you a premium. Premiums depend on your specific home, and anyone who gives you a number without seeing it is guessing. We describe how a plan is positioned on price, typically more expensive with narrower coverage, and link the official rate filings.
- We don't tell you whether you will be accepted. Eligibility is a rule a plan applies to your situation; we publish the rule, not a verdict.
- We don't predict. We report what's filed, passed, or published. Where something is pending, we say "pending" and link the bill or the filing.
- We don't fill gaps with plausible-sounding text. If we don't have a sourced answer, the page says so.
When we get it wrong
We will. Rules change between our re-check dates; a source we trusted turns out to be stale; we read a statute too narrowly. When you spot it, tell us, corrections@stillinsurable.com, and we'll fix the page and update the date. Corrections to dated, sourced claims get priority over everything else we do.
How this site makes money
Two ways, both disclosed on the page where they happen.
- Broker referrals. If you use the optional get-connected form, we may pass your details to a licensed broker who pays us a referral fee. The do-it-yourself path sits next to every broker CTA, because for a lot of people the DIY path is the right one.
- Affiliate commissions. If we link to a product or service and earn a commission, the link says so.
Reading the site requires no email and no phone number. If you do choose to use the get-connected form, the details you submit may be shared with licensed broker(s) and partners, and your email may be added to a mailing list we may monetize, that's stated on the form, and you can opt out anytime. The full detail and opt-outs are in the Privacy Policy; more on the business model is on the about page.