These terms of use (“terms”) apply to your use of insurancecompareddaily.com (the “site”), run by Insurance Compared Daily (“we,” “us” or “our”). Please read them carefully. By using the site, you agree to these terms. If you do not agree, please do not use the site.

What the site is

Insurance Compared Daily is an independent, educational publication. We explain US auto, home, renters and life insurance in plain language, in English, Spanish, Simplified Chinese, Vietnamese and Korean.

We are not a licensed insurance agent, broker or insurer. We do not sell insurance, give quotes, bind coverage, handle claims or sell leads.

Educational content only, not advice

Everything on the site is for general educational purposes. It is not insurance, financial, tax or legal advice, and it is not a recommendation to buy, change or cancel any policy.

Insurance rules differ by state and change over time. Your coverage depends on the exact wording of your own policy. Before you make a decision, confirm coverage details with your insurer, agent or state insurance department. See our disclaimer for more.

Using the site does not create any professional, agent, advisory or fiduciary relationship between you and us.

Accuracy and dates

We work to keep our content accurate. We cite official sources with “as of” dates, and we review every article at least every 12 months, and sooner when a state changes a law or a minimum. Even so, laws, limits and program rules can change after we publish. Always check the date on an article and the official source it cites.

If you find an error, please tell us. Our corrections policy explains how.

Illustrative examples

Some articles include examples with dollar amounts. These are clearly labelled illustrative examples. They use round, hypothetical numbers. They are not quotes, averages or predictions of what you will pay.

Using the site

You may use the site for your own personal, non-commercial use. When you use the site, you agree not to:

  • Break any law or regulation
  • Try to gain unauthorized access to the site, its servers or its systems
  • Interfere with the site’s security or performance, including through attacks, spam or harmful code
  • Use automated tools to copy large parts of the site in a way that harms its operation
  • Pretend to be Insurance Compared Daily or suggest we endorse you, your company or your product
  • Send us content that is unlawful, harassing or infringes someone else’s rights

We may limit or block access to the site for anyone who breaks these terms.

Our content and your use of it

The articles, text, graphics, design and other content on the site belong to Insurance Compared Daily or are used with permission. They are protected by copyright and other laws.

You may:

  • Read, print and save pages for your own personal use
  • Share links to our pages
  • Quote short passages, with credit to Insurance Compared Daily and a link to the original page

You may not copy, republish, sell or adapt whole articles, or large parts of the site, without our written permission. To ask, email .

Messages and feedback you send us

When you contact us, please do not send sensitive details such as policy numbers, Social Security numbers or payment information. If you send us feedback or ideas, we may use them to improve the site without owing you anything. Our privacy policy explains how we handle personal information.

Newsletter

If you subscribe to our newsletter, we will send you no more than a few emails a month. You can unsubscribe any time using the link in every email. See our newsletter page.

We link to government agencies, regulators and other official sources so you can check facts yourself. We do not control those websites and are not responsible for their content, accuracy, availability or privacy practices. A link does not mean we endorse anything beyond the information we cite.

Today, the site has no ads and no active affiliate links, and we take no payments from insurers. If that changes, any paid or affiliate link will be labelled where it appears and explained on our advertising disclosure page.

No warranty

The site and its content are provided “as is” and “as available.” To the fullest extent the law allows, we make no warranties of any kind, express or implied. This includes any warranty that the content is accurate, complete, current or fit for a particular purpose, or that the site will be available without interruption or errors.

Limitation of liability

To the fullest extent the law allows, Insurance Compared Daily will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of money, coverage, data or opportunity, that comes from your use of the site or your reliance on its content. This includes decisions you make about buying, changing or cancelling insurance.

Some states do not allow certain limits on liability. In those states, our liability is limited to the fullest extent the law permits.

Indemnity

If you break these terms or the law while using the site, you agree to be responsible for claims, losses and costs that result, including reasonable legal fees, to the extent the law allows.

Governing law

These terms are governed by the laws of the United States and the laws of the state that apply under US law, without regard to conflict-of-law rules. If any part of these terms is found to be unenforceable, the rest stays in effect.

Language versions

We publish these terms in more than one language. If there is any conflict between a translated version and this English version, the English version controls.

Changes to these terms

We may update these terms from time to time. When we do, we will change the “updated” date at the top of this page. If you keep using the site after a change, you accept the updated terms.

Contact us

Questions about these terms? Email . We are an online-only publication and do not have a phone line or street address.