Begin with exposure
The Compass looks at broad facts such as housing, vehicles, dependents, work, assets, and life changes. It does not ask for underwriting details or sensitive identifiers.
Methodology & sources
Explain the path. Show the source. Respect the boundary.
Insurance is consequential and state-specific. This product organizes preparation using visible rules and authoritative consumer guidance. It does not hide recommendations inside a score.
Map to conversations
Each answer activates a written rule. Owning a home surfaces reconstruction, valuation, deductible, liability, and hazard-gap questions. Driving surfaces liability, first-party, vehicle, and household-driver questions.
Explain every result
The result states why it appeared and which decisions to discuss. There is no suitability score, premium estimate, coverage limit calculation, or carrier ranking.
Hand off responsibly
The user takes the plan and proposal comparison to policy documents, official state resources, and a properly licensed agent or insurer.
Decision boundaries
What the system does and does not infer.
InputWhat it may surfaceWhat it never decides
Homeowner or renterProperty, liability, valuation, deductible, and separate-hazard questionsRequired limit, eligibility, or whether a claim would be covered
Vehicle or regular drivingLiability, uninsured motorist, vehicle, driver, and deductible questionsState minimums, rate, underwriting tier, or “full coverage”
Financial dependentsIncome, caregiving, debt, time-horizon, and beneficiary questionsA benefit amount, product type, or underwriting outcome
Assets and liability exposureWhether an umbrella conversation belongs on the listThat an umbrella is necessary or sufficient
Self-employment or business at homeThe personal-versus-business policy boundaryWhich commercial policy or limit is appropriate
Source register
Primary guidance used in this version.
Mutable guidance is reviewed before public launch and on a regular operating schedule. State-specific rules remain linked to official state departments rather than copied into a static national database.
National Association of Insurance CommissionersA Shopping Tool for Homeowners InsuranceReviewed July 15, 2026 · Opens official source ↗National Association of Insurance CommissionersA Shopping Tool for Auto InsuranceReviewed July 15, 2026 · Opens official source ↗National Association of Insurance CommissionersUnderstanding Your Homeowners or Renter's PolicyReviewed July 15, 2026 · Opens official source ↗National Association of Insurance CommissionersWhat's an Umbrella Policy?Reviewed July 15, 2026 · Opens official source ↗National Association of Insurance CommissionersLife Insurance Buyer's GuideReviewed July 15, 2026 · Opens official source ↗Federal Emergency Management AgencyFlood InsuranceReviewed July 15, 2026 · Opens official source ↗Consumer Financial Protection BureauHow do home insurance companies pay out claims?Reviewed July 15, 2026 · Opens official source ↗National Association of Insurance CommissionersState insurance department directoryReviewed July 15, 2026 · Opens official source ↗National Association of Insurance CommissionersProducer Licensing Model ActCommercial-boundary reference · Reviewed July 15, 2026 · Model law, not state law ↗Federal Trade CommissionEndorsements, influencers, and reviewsCommercial-disclosure reference · Reviewed July 15, 2026 ↗
Commercial integrity
Useful before commercial.
This private review version has no paid placements, sponsored rankings, carrier relationships, lead sales, payments, or referral compensation.
The recommended primary model is a fixed software subscription paid by a licensed independent agency for a neutral preparation workspace. The consumer receives a full result before any contact request, and nothing is shared until the consumer chooses the fields and recipient.
Possible secondary models are a paid household annual-review workspace and employer or affinity access that returns no individual data to the sponsor. Referrals are not the core model. Any future referral would require state-specific legal review, explicit consumer initiation, and conspicuous compensation disclosure.
Review the commercial product architecture →