Editorial standards
Our job is to explain insurance clearly and accurately so you can make your own decision. These are the standards every guide is held to.
We start from primary sources
Factual claims about coverage, rules and requirements come from regulators and neutral bodies wherever possible: state insurance departments, the National Association of Insurance Commissioners (NAIC), FEMA and the National Flood Insurance Program, the Insurance Information Institute, and insurers' own published policy documents. Each guide lists the sources it relied on so you can check them.
We explain, we don't advise
Our guides describe how coverage works and what to think about. They are not personal financial, legal or insurance advice, and the right policy for you depends on your state, your situation and the insurer's terms. When a rule varies by state, we say so.
Money stays out of the writing
Some of our revenue comes from partner links (see how we make money). Partners don't write, review or approve our guides, and no one can pay to change what a guide says. Where we mention a specific company, we stick to facts that can be checked.
How guides are written and reviewed
Guides are written by the Fast Insurance Group editorial team and published by Marcus L. Barber, a former licensed Maryland property and casualty producer (2010–2012). We use software tools, including AI writing tools, to help research and draft. Every guide is checked against its listed sources, and Marcus reads and reviews each full page before it's published. Each guide says how it was made and shows the date it was reviewed and last updated.
Updates and corrections
Insurance rules change, so we review guides regularly and when laws or programs change. If you spot an error, email hello@fastinsurancegroup.com. We'll check it and, if we got something wrong, fix it and update the page date.