How we compile and verify this

What counts as a source

In rough order of how much weight we give it:

1. 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.
2. The state Department of Insurance — bulletins, press releases, statutes, approved rate changes, market-conduct data. Ground truth for the regulatory frame.
3. NAIC and the Insurance Information Institute — for the cross-state picture: which states have a plan, residual-market share, industry-wide figures.
4. 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.

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.

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, narrower coverage) and we 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 — [email protected] — 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. If we connect you to a licensed broker, we may be paid a referral fee — and we always show the do-it-yourself path right next to that offer, because for a lot of people the DIY path is the right one. If we link a product or service and earn a commission, the link says so. We never require your email or phone number to read anything here. If you do choose to use the optional get-connected form, the details you submit may be shared with licensed broker(s) and partners, and we may add your email to a mailing list we may monetise — 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.