Editorial guidelines

Who we are?

countrypilot.net is a US-only insurance comparison and information site. We cover auto, home, health, life, pet, and travel insurance, plus small business insurance and a nursing-home directory. We are not an insurance agency, we do not sell insurance, and we hold no insurance licence. Our publisher is Nadeem. Our editors are Enu Zehra and Ms. Kakka. We publish names and roles only. We do not publish biographies, and we do not claim credentials we do not hold.

Contact is by email only: hello@countrypilot.net. We have no postal address and no phone number. Our stated response time is 1 hour.

What we publish, and what we do not?

We publish explanations of how insurance works, comparisons of what carriers publish about their own cover, published averages from named official sources, and tools that help readers compare cover for their own answers. We publish nothing else as fact.

We do not publish:

• Per-carrier prices we have not collected. No free source publishes per-carrier premiums, so every per-carrier premium on this site is Quote-only: no price figure appears, and the entry links to the carrier's own quote route.
• Ratings, scores, or "best" verdicts without a published method. No carrier rating appears without its source, scale, and date stated on the same card. No "best company" list appears unless the ranking method is printed on the same page.
• Savings claims without a stated basis. No savings figure appears unless the basis (who saved, versus what, over what period, from what data, dated) is stated beside it in the same view. If the basis cannot be stated, the figure does not appear.
• Financial, medical, veterinary, or legal advice. Our pages explain how insurance works and what to compare. They do not tell a reader how much cover to buy, which policy suits their health or finances, or what care they need. Those are questions for a licensed adviser, a doctor, or a veterinarian.
• Paid placement. No carrier, plan, or advertiser pays to appear, to rank higher, or to be shown first. Sort order on results is by lowest price among published averages. How we make money is explained on our how-we-make-money page, and we currently earn nothing from insurers.

What are the sources and figures?

Every figure on this site is traced to a named public source with its date. The rules are:

1. Official sources first. Prices come from the National Association of Insurance Commissioners (NAIC), KFF State Health Facts, the Centers for Medicare & Medicaid Services (CMS), and the state departments of insurance. Rules come from state statutes and departments of insurance. Carrier facts come from the carrier's own published policy information. Secondary sources (articles, roundups, aggregators) are never the source of a figure.
2. Copy exactly. Figures are copied exactly as the source prints them. No rounding, no estimating, no "correcting" a source's own rounding. If two tables in the same source disagree by a cent because of rounding, we print the figure from the table we cite and say so.
3. Name the statistic, the profile, the place, and the date. A figure is meaningless without those four facts. Every published average travels with a line naming the statistic, the source, the date, and the profile, and a "Current as of" date directly with the figure.
4. Keep different series apart. Figures from different sources, different years, or different policy forms are never averaged together and never presented side by side as if they were the same series. Where a source does not state its data year, we say so, and we keep the figure apart from dated series.
5. Say what does not exist. Where a figure does not exist in any usable source (per-carrier premiums, life, pet, and travel averages) we say so on the page, instead of borrowing a figure from a roundup. An honest gap is better than a borrowed number.
6. Never mix sources into a new figure. We do not average county figures into a statewide number, combine series from different years, or compute a figure a source does not publish. If a computation is needed, the method is printed beside the result, with every input named.

How do we fact-check?

Every page is reviewed by an editor before publication. The editor checks every figure against its named source, checks that the source link works, and checks that the profile, place, and date are stated. A page is not published until the figures check out.

Pages are re-verified on a fixed schedule: published averages are reviewed at least every six months, and marketplace figures are re-checked at each open enrollment. Every page carries a "Last reviewed" date and a next review date. A figure past its review date is flagged, not silently left as if it were current.

Independence

Our editors decide what to publish. No carrier, partner, or advertiser reviews our content before publication, and none can change it. We accept no payment for coverage, placement, ranking, or inclusion. If a partner integration is ever added, the partner will be named on the page, the integration will be labelled exactly as designed on our methodology page, and partner results will never be the default sort. Our how-we-make-money page states our current position: we earn nothing from insurers.

We do not publish carrier logos, "Buy now" buttons, or lead-generation funnels. We ask readers for a ZIP code and basic facts only. We never ask for contact details, and nothing a reader enters travels to a carrier.

How we use AI tools?

AI tools may assist with drafting, but they do not decide facts. Every figure in every draft is checked by a human editor against the named public source before publication, and no AI-generated figure is ever published unchecked. If an AI tool produces a figure that cannot be traced to a named source, the figure is removed. The editor, not the tool, is responsible for what is published.

What readers should expect from our pages?

• One H1, one subject, one clear structure per page.
• Every figure with its source, date, and profile stated beside it.
• A "Current as of" date on every average and a "Last reviewed" date on every page.
• A limitations section that says what the page does not cover and where its figures stop being useful.
• A sources list with links, so any reader can check our work.
• No pop-ups asking for contact details, no "Buy now" buttons, and no content that exists only to sell a product.

Corrections

We correct mistakes openly. Our corrections policy explains how to report an error, how quickly we respond, and how corrections are marked on the page. In short: errors of fact are corrected, the correction is noted on the page with its date, and the original error is not silently rewritten as if it never happened.

What are the changes to these guidelines?

These guidelines are reviewed at least every six months, with the next review due May 2027. When they change, the "Last reviewed" date above changes, and material changes are noted on this page.

Questions about these guidelines: hello@countrypilot.net (email only). Content reviewed by editors Enu Zehra and Ms. Kakka.

Methodology by line: Auto insurance methodology · Home insurance methodology · Life insurance methodology · Pet insurance methodology · Health insurance methodology · Travel insurance methodology

See also: How we calculate averages · Editorial policy