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The terms for using these insurance guides and tools
The boundaries of this educational insurance resource.
Last updated August 19, 2026At a glance
| Topic | Site practice | What it means |
|---|---|---|
| Site purpose | General education | Guides and tools help readers prepare questions and comparisons. |
| Insurance transaction | None | are.you does not quote, bind, issue, service, or adjust insurance. |
| Controlling source | Issued contract + law | A guide or estimate cannot override policy language or an authorized decision. |
Policy details
Educational use
Content and calculators are general educational tools, not insurance, legal, tax, medical, or financial advice and not an offer to sell insurance.
No insurer relationship
are.you is not an insurance carrier. Coverage is governed only by an issued policy and applicable law. Verify providers and producers with your state regulator.
Estimates
Calculator outputs depend on user inputs and simplified assumptions. They are starting points for discussion, not coverage recommendations or guarantees.
Your responsibility
Use the site as a starting point, check the date and assumptions, and verify material decisions with the current policy, regulator, public program, insurer, or appropriately licensed professional. Do not delay emergency action, required notice, premium payment, enrollment, renewal, appeal, or another deadline while relying on general website content.
Third-party resources
Links to external sites are provided to help readers reach sources or services that may be relevant. are.you does not control their availability, content, security, products, or privacy practices. A link does not mean that are.you endorses every statement, company, or service on the destination site.
Availability and changes
The site may correct, update, reorganize, or remove material and may change or discontinue a tool. We aim to keep core educational routes useful, but do not promise uninterrupted access or that every page will always reflect a newly adopted rule, form, rate, or program change immediately.
Acceptable use
Do not attempt to disrupt the site, bypass security, introduce harmful code, scrape in a way that impairs service, impersonate another person, or submit unlawful or sensitive third-party information. Use interactive features only for their intended educational or feedback purpose.
Common questions
Does are.you sell insurance?+
No. are.you is an educational website and does not quote, bind, issue, service, or adjust a policy.
Can I rely on a calculator result as a coverage recommendation?+
No. The output reflects the inputs and simplified method shown. Treat it as a planning prompt and test the assumptions against your facts.
What controls if a loss is covered?+
The issued policy, endorsements, facts, applicable law, and authorized claim review control—not a general article or example.
Questions or corrections
Questions about these terms or policies can be sent through the contact page. For help deciding whether you need an insurer, regulator, or educational guide, use the help center.