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Our Editorial Standards
Every article on this site is written by someone who knows coastal insurance, reviewed by a licensed agent, and edited before it goes live. No carrier and no partner sees it first. Here is exactly how that works, and what happens when we get something wrong.
How a HoneyQuote Article Gets Made
Your premium, deductible and coverage limits are all factors in the cost of your policy and the amount of coverage you have.
The Author writes it
Our writers are experts at taking what can seem complicated and making it simple and understandable. They have credentials as copywriters across various fields including insurance. They are responsible for the substance: learning what you want to know and building content that answers the important questions.
An Editor decides whether it publishes
The editor checks sourcing, verifying the data in each piece and page on the website. They dig into HoneyQuote's data to find insights on the insurance markets and bring those facts and statistics to you.
A licensed agent reviews it
Every article is reviewed by a licensed insurance agent before it publishes on our website. They are checking whether the insurance is right: whether a coverage description matches how the policy actually behaves, whether an exclusion is stated correctly, whether the advice would hold up in a real claim. If something is technically wrong, it goes back.
What We Fact Check
"Fact-checked" is easy to say and hard to verify, so here is what that means in practice. Before an article publishes, we verify:
- Every coverage claim against actual policy language, not against how coverage is commonly described
- Every statutory or regulatory reference against the current statute or filing, because coastal insurance rules change fast
- Every carrier detail, including availability, eligibility rules, and discounts, against current information
- Every external citation, confirming the source says what we say it says and is still live
No Carrier Reviews Our Content
No insurance carrier, no partner, and no third party sees our editorial content before it publishes. They do not review it, they do not approve it, and they do not get advance copy. They cannot request changes to a review, ask to be described differently, or have criticism removed. If a carrier is bad at something, we say so.
Our editorial team reports independently of sales. Nobody whose compensation depends on a carrier relationship has any say over what gets published about that carrier.
We are a licensed independent insurance agency, and we earn a commission from the carrier when someone buys a policy through us. Our writers, reviewers, and editors receive no compensation from carriers or partners, and no carrier can pay for a better review, a higher position, or removal from a comparison.
When We Get Something Wrong
We will get things wrong. Insurance changes constantly and coastal insurance changes faster than most. What matters is what happens next.
If you spot an error, tell us. Email editorial@honeyquote.com with the page and what looks wrong. A person reads every one of these.
What happens then
A licensed agent and an editor review the claim. If we got it wrong, we fix it. We aim to review any flagged information on our website within 30 days.
How corrections are marked
When we correct something factual, we add a dated correction note to the article saying what was wrong and what changed. Small fixes like typos and broken links are made without a note.
When a rate figure changes
Rate data is reviewed and refreshed across our content every 180 days, rather than by correction. Every rate table carries the date its data was last refreshed, which is explained on our data methodology page.
Our Policy on AI
People write our content. Not AI.
We may use AI tools for background tasks: research starting points, checking readability, summarising a long regulatory filing so a writer knows where to look.
We do not use AI to write articles or to generate insurance advice. Every article is written, reviewed, and edited by named humans, and anything an AI tool contributes to the research process is verified by a person before it goes anywhere near a draft.
Where our information comes from
Our own quote data is the source for every rate figure we publish, and that is documented in full on our data methodology page.
For everything else, we cite primary sources and name them. Our external source for Florida regulatory information, rate filings, and market data is the Florida Office of Insurance Regulation.
We link to sources so you can check them. Where we cite our own data, we say so and point to the methodology page rather than presenting it as independent.
We follow the Society of Professional Journalists Code of Ethics.
Plain language, and defined terms
Most insurance writing fails one of two ways. It either drowns you in jargon or scrubs it out entirely and leaves you with something too vague to act on. Neither one gets you closer to a decision.
The words matter here. Wind, water, and flood are three separate things in a policy, and finding that out after a storm is the expensive way to learn it. Same with a named-storm deductible versus the flat one you'd pay for a kitchen fire.
So we use the real terms, and we explain each one the first time it shows up, right there in the sentence. No glossary to go dig through. If one of our articles drops a term without explaining it, that's on us. Tell us and we'll fix it.
Originality and Conflicts of Interest
Original work only
Everything we publish is written for HoneyQuote. We do not republish, paraphrase, or lift content from other publishers or from carrier marketing material. Where we quote or reference someone else's work, we attribute and link to it.
Conflicts get disclosed
Anyone who writes or reviews for us is required to disclose relationships that could affect their objectivity, including work for carriers, agencies, or vendors we cover. Where a relevant relationship exists, either it is disclosed in the article or that person does not work on it.
Keeping content current
Out-of-date coastal insurance content is not just unhelpful, it is actively misleading. Carriers leave markets, roof rules change, and rate orders reset pricing.
Every article carries a visible last-updated date. We review content on a 180-day cycle, and sooner when something changes that affects it: a regulatory update, a carrier exiting a market, or a rate order. When we update an article substantively, the date changes and the byline reflects who reviewed it.
We don't sell your information
This is a company promise more than an editorial one, but it belongs on this page, because some of what we publish is built from real customer quotes.
We don't sell your information. Not to carriers, not to agents, not to lead buyers, not to marketers. When you request a quote, your details go to carriers for exactly one reason, which is generating your quotes. Nobody else gets them, and no one calls you because you read an article.
The rate figures we publish do come from real quotes, but they're stripped of anything identifying and aggregated before they appear anywhere on the site.
Now that you know how we work, see what we can do for your coverage.
Competitive prices on the coverage you need.
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