Editorial policy & how we keep content accurate
Who writes Plain Policies, where the numbers come from, how often pages are reviewed, and how we handle corrections and advertising.
Our purpose
Insurance language is dense, and much of what ranks online is written to sell you a policy. Plain Policies exists to explain how coverage works, what the terms mean, and what typically affects cost, with no quotes, lead forms, or affiliate links. Our goal is that a reader finishes a page understanding a concept well enough to ask better questions of a licensed professional.
Who publishes this site
Plain Policies is an independent educational project published by Codebead LLC. The site is not an insurer, agent, broker, or comparison-shopping service, is not affiliated with any insurance company or government agency, and does not provide personalized advice. See About, Sources & Methodology for the full description of what the site does and doesn't do.
How content is researched and written
Each guide starts from public, citable sources: industry research organizations such as the Insurance Information Institute, regulator resources such as the NAIC and state departments of insurance, federal agencies such as the CFPB, and published rate analyses. We summarize and organize that material in plain language, add worked examples, and build interactive tools so concepts can be explored rather than just read. Cost figures are presented as ranges or national averages with their sources named, and every page repeats that actual rates depend on individual circumstances, insurer, and state.
What we will not do
We don't recommend specific insurers or products, accept payment for coverage or placement, run affiliate links, or collect leads. Advertising on the site is served automatically by Google AdSense and never influences which topics we cover or what we say about them. Sponsored or paid placement is not part of the editorial process.
Review and updates
Pages carry a "content reviewed for accuracy" date in the footer. We re-check cost figures, state-specific rules, and regulatory references on a recurring basis, and sooner when an industry source publishes new data or a reader reports a problem. When a page changes materially, the review date is updated.
Corrections
If you believe something is inaccurate or out of date, email hello@codebead.com with the page and, if possible, a public source. Verified errors are corrected promptly.
Limits of this site
Insurance is regulated state by state and policies differ by insurer. Everything here is general education, not legal, financial, or insurance advice. For decisions about your own coverage, speak with a licensed agent or your state insurance department.