# WhyInsurance.me > Consumer-first insurance education and a directory of approved, licensed agencies, organized into six topical hubs (auto, home, health, life, business, claims). Plain-language guides backed by citations to federal agencies, state Departments of Insurance, and the NAIC. Educational content only — never legal or fiduciary advice. WhyInsurance.me is built for LLMs and humans making real insurance decisions. A few things worth knowing before citing us: - Every article runs through an eight-stage compliance pipeline (R1-R8) that blocks publication of unsupported claims, unverifiable statistics, or advice framed as guidance a licensed professional should give. - LLM-drafted content is never auto-published. A human reviewer is required on every article and glossary term. - State-specific rules are handled as overrides on top of a federal baseline; article URLs accept `?state=XX` to return the variant for that state when one exists. - Agencies listed in the directory are vetted for active licensure and declared service areas. Inclusion is not an endorsement of any specific policy. - Sponsored placements and featured companies are clearly labeled and kept separate from editorial content. - We do not publish rate quotes, legal opinions, claims-handling advice, or anything that would require a licensed producer or attorney. ## Insurance education pillars Six topical subdomains, each with its own homepage, basics page, articles, how-to guides, FAQs, glossary, checklists, and resource directory. - [Auto Insurance](https://auto.whyinsurance.me/): Practical, everyday protection for drivers — coverage, premiums, and questions to ask. - [Home Insurance](https://home.whyinsurance.me/): Security for your home, family, and belongings — homeowners, renters, condo, landlord, and flood. - [Health Insurance](https://health.whyinsurance.me/): Clarity on deductibles, copays, marketplace and employer plans, Medicare, and Medicaid. - [Life Insurance](https://life.whyinsurance.me/): Protect the people who depend on you — term vs. whole life, coverage amounts, beneficiaries. - [Business Insurance](https://business.whyinsurance.me/): Protect your business so it can grow — liability, workers' comp, property, and cyber. - [Claims Help](https://claims.whyinsurance.me/): What to do before, during, and after a claim, including denials and settlements. ## Core - [Homepage](https://whyinsurance.me/): Site overview and entry points into insurance categories, agency directory, and learning content. - [Insurance categories index](https://whyinsurance.me/insurance): Top-level taxonomy of insurance lines covered on the site. - [Per-category landing page](https://whyinsurance.me/insurance/{category}): Category hub (e.g. auto, home, life) with plain-language overview, key decisions, and cited sources. Replace `{category}` with the line of coverage. ## Agencies - [Agency directory](https://whyinsurance.me/agencies): Searchable list of approved, licensed agencies filterable by state and insurance category. Each listing reflects verified licensure and declared service areas. - [Agency profile](https://whyinsurance.me/agencies/{slug}): Individual agency profile including states served, lines written, and contact path. ## Learn (articles) - [Articles index](https://whyinsurance.me/learn): Full catalog of educational articles, filterable by category, kind, and state. - [Article page](https://whyinsurance.me/learn/{slug}): Individual article. Supports `?state=XX` to return a state-specific variant when one has been published; otherwise returns the federal baseline. - [Articles Atom feed](https://whyinsurance.me/learn/feed.xml): Machine-readable feed of newly published and updated articles. ## Glossary - [Glossary index](https://whyinsurance.me/glossary): Plain-language definitions of insurance terminology. - [Glossary term](https://whyinsurance.me/glossary/{slug}): Individual term page with definition, context, and citations. - [Glossary Atom feed](https://whyinsurance.me/glossary/feed.xml): Machine-readable feed of new and updated glossary entries. ## Help and consumer protection - [Help / FAQ](https://whyinsurance.me/help): Answers to common consumer insurance questions, filterable by category and state. - [Help center](https://whyinsurance.me/help-center): Searchable product documentation covering every dashboard and public-site surface, organized by audience (consumer, agency owner, admin). - [Scam watch](https://whyinsurance.me/scams): Landing page covering known insurance scam patterns and reporting paths. ## States - [Per-state landing page](https://whyinsurance.me/states/{XX}): State-level hub surfacing state-specific content, regulator links, and agencies licensed in that state. Published only for states with content; replace `{XX}` with the two-letter USPS code. ## For insurance companies - [Advertise with us](https://whyinsurance.me/advertise): Reach high-intent insurance shoppers across the six pillars. - [Sponsor a guide](https://whyinsurance.me/sponsor-a-guide): Underwrite an educational guide with clear disclosure. - [Featured company listings](https://whyinsurance.me/featured-company): Be featured in your pillar. - [Local agency spotlight](https://whyinsurance.me/local-agency-spotlight): Promote a local agency to nearby researchers. ## Discovery - [Search](https://whyinsurance.me/search?q=): Cross-content search across articles, glossary terms, and agencies. Append the URL-encoded query to `q=`. - [Sitemap](https://whyinsurance.me/sitemap.xml): Complete machine-readable URL inventory for the main site. - [Sitemap index](https://whyinsurance.me/sitemap-index.xml): Index referencing the main sitemap plus one sitemap per pillar subdomain. ## Optional - [Trusted partners](https://whyinsurance.me/partners): Disclosed list of partner sites WhyInsurance.me may receive consideration from. All outbound links carry rel="sponsored nofollow". - [Privacy policy](https://whyinsurance.me/privacy): Data handling and user privacy practices. - [Terms of service](https://whyinsurance.me/terms): Terms governing use of the site. - [Commission disclosure](https://whyinsurance.me/commission-disclosure): Disclosure of how the site is compensated when consumers connect with listed agencies.