Define intent
We identify the reader’s decision and separate general education from state- or contract-specific advice.
About are.you
Clarity is the product.
are.you is an independent educational resource built to make insurance decisions more legible—not more urgent.
Our editorial promise
We organize information around decisions: what a coverage is for, where it stops, how to compare it, and which questions expose hidden differences.
We distinguish education from recommendations, avoid invented ratings and savings claims, and send readers to regulators or public program sources where rules matter.
No article can decide whether a specific loss is covered. The issued policy, facts, applicable law, and claim review control that answer.
01
Purpose before product
Define the loss or obligation before discussing a coverage solution.
02
Terms before price
Normalize proposals before ranking premiums or discounts.
03
Primary sources
Prefer regulators, public programs, contract language, and official data.
04
Visible boundaries
Label estimates, limitations, uncertainty, and commercial relationships.
Editorial workflow
How a guide moves from question to publication.
Every useful page should help a reader do something: understand a term, map a risk, compare evidence, prepare a question, or find an accountable source.
Build the evidence
We look for primary sources, controlling definitions, meaningful exceptions, and facts that change the answer.
Make it usable
We translate the research into examples, checklists, tables, tools, and questions a reader can apply.
Review and update
We check links, labels, dates, boundaries, and whether a material change requires revision.
Evidence standard
Different claims need different sources.
A source can be reputable yet wrong for the question. We match the evidence to the claim and explain uncertainty when no source settles it.
| Question type | Preferred evidence | How we use it |
|---|---|---|
| Licensing or consumer help | State insurance department | Direct readers to the regulator with authority in that jurisdiction |
| Public-program rules | Official government or program source | State the rule’s scope, date, and important limits |
| Policy coverage | Issued policy, endorsements, and applicable law | Explain concepts without claiming a universal coverage result |
| Company research | Regulatory records, official filings, rating context | Identify the legal entity and avoid unsupported “best” rankings |
| Planning estimate | Visible user inputs and formulas | Show assumptions and treat the output as a starting point |
Trust and corrections
What readers should expect from us.
Corrections
If a factual error is identified, we review it against the most authoritative available evidence and correct the page. Send the page URL, the disputed statement, and a source through our editorial contact form; never send policy or claim data.
Updates
Insurance rules, limits, products, and public programs can change. Pages display an update date where it helps readers judge freshness. A date is not a substitute for checking the current regulator, program, or policy source.
Funding and advertising
Advertising supports the free site but does not select topics, write guides, or determine conclusions. Read the advertising disclosure and privacy policy for the operational details.
Scope
are.you does not bind insurance, service policies, handle claims, or provide personalized legal, tax, medical, financial, or insurance advice. The help center shows which source can act on each kind of question.