🛡️ 1. Not an Insurance Broker, Agency, or Underwriter
PolicyGuide US is an independent consumer education, financial publishing, and actuarial calculation platform. PolicyGuide US is NOT an insurance company, licensed insurance agency, or captive broker. We do not underwrite insurance policies, issue binding insurance binders, set legal premium tariffs, or handle insurance claim settlements.
Nothing contained on this website constitutes an offer, solicitation, or contract of insurance in any state or jurisdiction. All insurance products, policy forms, endorsements, riders, and bindable coverage contracts must be purchased directly through authorized, state-licensed insurance carriers or appointed insurance agents.
📊 2. Actuarial Models & Calculator Estimates Disclaimer
All 15 calculators and decision engines available on PolicyGuide US—including our Auto, Homeowners, Renters, Health, Life, Business, Pet, RV, Boat, and Underinsured Advisors—generate estimates based on public 2026 National Association of Insurance Commissioners (NAIC) market exhibits, state insurance commissioner statutory rate filings, and Highway Loss Data Institute (HLDI) risk statistics.
Important Rate Notice: Calculator outputs are purely mathematical estimates intended for illustrative and comparative consumer budgeting. They do not constitute guaranteed or bindable premium quotes. Actual binding insurance rates are subject to individual underwriter review and depend on confidential risk criteria including credit-based insurance scores, driving record (MVR) history, Comprehensive Loss Underwriting Exchange (C.L.U.E.) claim logs, exact garaging territory, vehicle telematics data, and dwelling construction specifics.
⚖️ 3. Not Professional Legal, Tax, or Financial Advice
The content, editorial analysis, statutory coverage summaries, and interactive guides published on PolicyGuide US are provided for general informational and educational purposes only. They do not constitute personalized legal, tax, accounting, estate planning, or certified financial advice.
Insurance regulations and statutory minimum limits vary substantially across all 50 US states and municipal jurisdictions. Because individual financial situations and liability exposure thresholds differ, we strongly advise consulting with a licensed, certified insurance agent, financial planner, or attorney regarding your specific policy needs before canceling, replacing, or modifying any active coverage.
🤝 4. FTC Advertising & Compensation Disclosure
In accordance with Federal Trade Commission (FTC) guidelines, PolicyGuide US discloses that this website is an advertising-supported consumer resource. We may receive financial compensation when users click on partner links, submit rate comparison inquiries, or place phone calls to carrier referral numbers displayed across our site.
This compensation may influence the placement, prominence, and order in which carrier listings or sponsored offers appear. However, advertising partnerships do NOT dictate our objective actuarial formulas, editorial ratings, or statutory compliance audit criteria. Our editorial team conducts carrier analyses independently using public AM Best financial strength grades, NAIC complaint ratios, and state regulatory rate filings.
🏢 5. Carrier Trademarks & Third-Party Endorsements
All third-party company names, carrier marks, logos, and registered trademarks displayed on PolicyGuide US—including but not limited to GEICO, Progressive, State Farm, Allstate, Travelers, Liberty Mutual, Nationwide, Chubb, Erie, USAA, and AAA—remain the sole property of their respective trademark owners.
Unless explicitly declared, the reference to or display of these brand names, logos, or marks does not imply any official endorsement, sponsorship, affiliation, or commercial partnership between PolicyGuide US and the trademark holders.
🔒 6. Limitation of Liability & Content Accuracy
While PolicyGuide US strives to maintain rigorously updated statutory rate minimums, carrier reviews, and legislative exhibits, insurance regulatory laws and carrier pricing algorithms undergo continuous revisions. We make no express or implied representations, warranties, or guarantees regarding the absolute completeness, timeliness, or accuracy of any information on the website.
Under no circumstances shall PolicyGuide US, its owners, researchers, developers, or affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of, or inability to use, our calculators, guides, state minimum tables, or third-party quote referral services.
📬 7. Compliance & Regulatory Inquiries
If you are an insurance commissioner representative, state regulatory auditor, carrier legal counsel, or consumer with questions or corrections regarding our published data or disclosures, please visit our Contact Us page or review our Editorial Standards.