policycentral wants to help you get your finances right. To do that, we’ve assembled a best-in-class editorial team full of experts, fact-checkers, licensed insurance agents, and certified financial planners. Since we’re an insurance marketplace, we’re not beholden to any one company and will advocate for you. The same goes for our editorial content — we give you the unbiased information you need and will never recommend a product, company, or financial strategy we don’t think is right.
Core principles
Autonomy: Our writers and editors work independently from our business teams to ensure there are never conflicts of interest when it comes to our financial advice.
Expertise: We invest in internal experts and fact-checkers to ensure our content is the best in the field. We include original reporting with direct quotes from academics, professionals, and industry leaders.
Accuracy: Our educational content is based on empirical evidence and carefully sourced research. We always cite our sources and regularly update pages to reflect the latest data and insights.
Editorial process
Our educational guides are written by in-house experts — including licensed insurance agents and certified financial planners — who are dedicated to their area of focus. Prior to publishing, our research and advice is thoroughly reviewed, fact-checked, and revised to ensure accuracy and completeness. We follow the Society of Professional Journalists' code of ethics, and in some cases, our own proprietary information and data may be used to write about a company or product.
Sources and citations
policycentral cites a number of reputable data sources so that our articles are as comprehensive and informative as possible, including but not limited to:
Internal data and expertise: policycentral works with over two dozen of the top insurance companies in the U.S. We’ve helped over 30 million shoppers and placed $120 billion in coverage. This gives us industry-wide insights that help us provide examples and information that are relevant to shoppers like you. Our editorial team also works with credentialed, in-house agents to ensure the accuracy of data and advice.
Third-party expertise: When needed, our experts look to trusted, qualified, independent individuals in a field to provide additional insight and clarification on a topic.
Industry studies: To supplement our own information, we may reference studies and data from outside groups such as the National Association of Insurance Commissioners (NAIC), Insurance Information Institute (III), and Life Insurance Marketing and Research Association (LIMRA).
Government data sets: In addition to industry data, we may also use government sources and data from departments such as the National Oceanic and Atmospheric Administration (NOAA), the U.S. Census, the Bureau of Justice Statistics, and various state departments of insurance.
Where possible, we link to information sources and provide methodology on how data was calculated. Our team regularly reviews sources so that they’re using the most up-to-date information.
Fact checks and reviews
Where noted, articles are reviewed and fact-checked by members of our Financial Review Council, including certified financial planners, certified public accountants, licensed financial advisors, and licensed insurance agents. This additional level of review ensures that:
Articles use the most accurate facts and figures
Third-party sources are suitably vetted
Advice given aligns with the policycentral mission of providing appropriate financial guidance
Corrections, updates, and removals
Our writers and editors periodically review content to ensure it is up-to-date and accurate according to the latest news, reports, regulatory guidance, and industry studies. You can see the most recent publication date at the top of an article.
In cases of errors, corrections will be made to an article as soon as possible, and clearly noted in a corrections component at the bottom of the page. To see a live example of a correction, scroll to the bottom of this home insurance rate report.
Find an error? Let us know.
Occasionally, content may be removed; any links to removed content will be updated to bring readers to another relevant page or section of the site.
Editorial leadership
Jeannie Kim
VP & GM of Content
Jeannie Kim is a veteran journalist and digital media executive with more than 25 years of experience in news and publishing. Prior to joining policycentral she served as Vice President of Content at The Muse; co-founder and Chief Content Officer of Samada, a content portal aimed at helping family caregivers navigate end-of-life issues; and Executive Editor at Health magazine and Health.com (Time Inc.).
Jeannie Kim is a veteran journalist and digital media executive with more than 25 years of experience in news and publishing. Prior to joining policycentral she served as Vice President of Content at The Muse; co-founder and Chief Content Officer of Samada, a content portal aimed at helping family caregivers navigate end-of-life issues; and Executive Editor at Health magazine and Health.com (Time Inc.).
Adam Morgan
Editorial Director
Adam Morgan leads the policycentral editorial team. Previously, he led editorial teams across multiple publications at Red Ventures — including Bankrate, The Simple Dollar, NextAdvisor, Million Mile Secrets, and many others. As a journalist, his work has also appeared in Esquire, Scientific American, The Guardian, Los Angeles Times, Chicago Tribune, and elsewhere.
Adam Morgan leads the policycentral editorial team. Previously, he led editorial teams across multiple publications at Red Ventures — including Bankrate, The Simple Dollar, NextAdvisor, Million Mile Secrets, and many others. As a journalist, his work has also appeared in Esquire, Scientific American, The Guardian, Los Angeles Times, Chicago Tribune, and elsewhere.
Colin Lalley
Content Director
Colin Lalley is the content director for home and auto insurance at Policygenius, where he's been writing about insurance since 2015. Previously, he was a writer for Lulu and a digital strategist at Agile Leverage. His work has also appeared in Inc. Magazine, Betterment, Credit Sesame, and the Council for Disability Awareness.
Colin Lalley is the content director for home and auto insurance at Policygenius, where he's been writing about insurance since 2015. Previously, he was a writer for Lulu and a digital strategist at Agile Leverage. His work has also appeared in Inc. Magazine, Betterment, Credit Sesame, and the Council for Disability Awareness.
Anna Swartz
Senior Managing Editor
Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius, including coauthoring our landmark insurance and technology study. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius, including coauthoring our landmark insurance and technology study. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
Jennifer Gimbel
Senior Managing Editor
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com. As a journalist, her work has also appeared in Yahoo, Hamptons Magazine, Gotham Magazine, and the Staten Island Advance.
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com. As a journalist, her work has also appeared in Yahoo, Hamptons Magazine, Gotham Magazine, and the Staten Island Advance.
Pat Howard
Managing Editor
Pat Howard is a managing editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Pat Howard is a managing editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Transparency and privacy
How policycentral makes money
policycentral is an independent insurance broker, licensed to sell in all 50 states and Washington, D.C. While the company receives commissions from insurance companies from sales of policies, we never recommend one insurer over another due to commission. For more information on how policycentral makes money, please see our FAQ.
Affiliations
policycentral is an independent broker and is not affiliated with any company. However, some articles may make references to products or services from one or more of Policygenius' advertisers or partners. While these earn us a small fee at no additional cost to you, they do not influence editorial content and we only recommend products we love.
We also work with a network of websites and blogs to help shoppers through our partner program. Find more information about this program here.
Privacy
policycentral is a licensed insurance broker in all 50 states and Washington, D.C., and is legally certified to give financial advice and sell insurance. To learn how we use information to better serve you, please see our privacy policy.
Contact
Have questions? Contact our experts:
Email: team@policycentral .com
Call (Mon-Sun, 9am-9pm EST): 1-855-666-7799