Editorial policy

Last updated 2025-08-29

We publish practical, plain‑English explanations of homeowners insurance. Our goal is to help readers estimate costs and ask better questions when shopping coverage.

What we write

Explainers on coverage forms, deductibles, roof/claims factors, and catastrophe risk.
State‑level context for common pricing drivers.
Clear methodology notes when we update assumptions or data.

How we fact‑check

We cite public, reviewable sources (regulatory filings, industry summaries) where available.
We avoid unverifiable anecdotes; when we infer, we say so explicitly.
Technical pages undergo a second review by an editor prior to publication.

Updates & cadence

Methodology and data pages are reviewed at least quarterly.
Blog posts get incremental updates when regulations, market conditions, or common questions change.
Change notes appear on the Methodology page.

Corrections

If you spot an error, email everydayroyalties@gmail.com. We’ll verify and correct promptly, noting material changes.

Limitations of Our Editorial Process

Even with a careful review process, we cannot capture every nuance of every carrier's form or each state's regulations. Our goal is to highlight the patterns that matter most for typical homeowners: how coverage levels, deductibles, and roof age interact with risk. When a topic is especially complex, we aim to flag that complexity so you know where to dig deeper with a professional.

How Reader Feedback Shapes Future Guides

When multiple readers point out the same confusing phrase or request more depth on a topic, we treat that as a signal to improve the content. Over time, this feedback loop helps us refine explanations about endorsements, deductibles, and regional risks so that they stay practical rather than abstract.

How We Decide Which Topics to Cover First

We prioritize guides that answer questions many homeowners share: why renewals jumped, how deductibles really work, and what to expect when you file a claim. Over time, we expand into more specialized topics. If a concept is not covered yet, it may already be on our roadmap based on reader interest and changes in the industry.

How Often We Review and Refresh Content

We periodically review popular guides to ensure that they still reflect current market conditions and regulatory trends. When major changes occur—such as new state laws or shifts in catastrophe modeling—we may update examples or add sections that highlight the impact on typical homeowners. This ongoing review helps the site remain a useful complement to advice from licensed professionals.

Why an Independent Perspective Matters

Because this site is not tied to a single carrier, we are able to describe patterns that appear across many insurers instead of focusing on one company's marketing message. That independence helps us highlight both the strengths and tradeoffs of common coverage choices in a way that supports your decision-making rather than steering you toward a specific product.

How We Handle Complex or Evolving Topics

Some subjects—like catastrophe modeling or reinsurance—are highly technical and change quickly. When we cover these areas, we focus on what the average homeowner needs to know: how they might influence premiums, availability of coverage, or typical deductibles. Whenever details become too speculative or company-specific, we flag those limits so you can seek up-to-date, local guidance.

How User Behavior Influences Future Guides

Patterns in how visitors navigate the site—such as which articles they read together or where they tend to exit— help us identify gaps in the educational journey. If many people leave after a particular topic, that may signal that we need to add more context, examples, or links to related sections to smooth out the learning curve.

How Reader Questions Shape Future Topics

When we notice multiple readers asking similar questions—about roof exclusions, wildfire surcharges, or claim timelines, for example—we often turn those themes into new or expanded guides. Your questions help highlight which parts of the home insurance experience still feel confusing and where clearer explanations can make the biggest difference.

How We Think About Conflicts of Interest

If we ever reference products, services, or potential partners, we aim to do so in a way that prioritizes clarity for readers. Any material relationships that could influence how a topic is presented would be described in plain language so that you can weigh that context while evaluating the information.