Bob Phillips
Bob Phillips is a retired insurance agent, agent trainer, and agency manager turned personal finance writer, with 15 years in the industry and nearly two decades of writing experience. He translates a career spent advising clients on auto, home, life, health, and disability coverage into clear, practical guidance that helps readers make confident insurance decisions.
The person behind the advice.
Justin Zemaitis is the Chief Insurance Officer at HoneyQuote and a Florida-licensed insurance professional with 10 years of industry experience. He holds a Florida 2-20 General Lines Insurance License issued by the Florida Department of Financial Services (License #W420576).
As a licensed editor, Justin reviews drafts for accuracy and compliance, correcting coverage details before content moves to expert review. His areas of focus include homeowners, condo, renters, landlord (dwelling fire), flood, and mobile home insurance.
Drawing on a decade of hands-on experience in the Florida market, Justin certifies that the guidance readers see reflects how policies actually work and what current regulations require.
What Author sign-off covers.
Coverage descriptions are reviewed against Florida policy language by a licensed editor.
Coverage descriptions are reviewed against Florida policy language by a licensed editor.
Coverage descriptions are reviewed against Florida policy language by a licensed editor.
Coverage descriptions are reviewed against Florida policy language by a licensed editor.
How our content is made.
Written by
A specialist writer drafts the content.
Edited by
A licensed editor checks accuracy and may rewrite sections.
Reviewed by
An expert gives the final fact check and sign-off.
Articles by Bob Phillips
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