Insurance, explained plainly
What each coverage pays for, what the numbers on a policy mean, and what happens to your phone number when you ask for quotes. Every figure links to its source.
- Free to readNo account, no sign-up
- Nobody calls youWe never ask for your number
- Regulators and insurersEvery figure links to its source
- Dated factsEach one shows the day we read it
The policies most households carry
Find your starting point
The questions people bring to a policy, and where the plain answer lives.
| If you are asking | Start with | Link |
|---|---|---|
| Not sure what 100/300/50 means? | Injury per person, per accident, then property, in $1,000s | Read limits |
| Renting out a home you own? | You likely need a landlord policy, not homeowners | Landlord cover |
| Hurricane season coming? | Buy early: cover often starts after 30 days | Hurricane cover |
| New puppy or kitten? | Enroll before anything is noted on a vet record | Pet insurance |
| Rather not get sales calls? | Get quotes on insurers' own sites instead | Quote sites |
Numbers worth knowing before you buy
- 100/300/50 is a typical liability level in EverQuote's examples: $100,000 per person, $300,000 per accident, $50,000 property2.
- Dogs averaged $62.44 a month to insure in 2025 and cats $32.21, in AAHA figures cited by Embrace5.
- Under the NAIC model law, an illness waiting period can run no more than 30 days, and accidents get no wait at all3.
- A renters policy with $100,000 of property cover might still cap jewelry at $1,5006.
Before you ask for quotes
Step 4
Read before you sign
The policy and its declarations page are the final word. Pet policies give you a 15-day free look.
Plain answers, straight from the source
We read what regulators, industry bodies and insurers publish, then explain it in everyday words: what a coverage pays, what the numbers mean, where the exclusions hide. Every figure links to the page it came from and the day we read it.
Nobody pays to be listed, and we never ask for your details. Each button opens the company's own site, where its terms apply and the insurer decides every application.
Built from regulators' and insurers' own pages
- Company pages read and linked
- 16
- Sources cited across the site
- 18
- Kinds of insurance covered
- 3
- Last checked
- Oct 27, 2026
Read these before you sign
Questions people ask first
Does CoverPlainly charge anything?
No. You deal with each company directly, under its own terms. Our links are plain links to its site.
Will an agent call me because I used this site?
Not because of us: we never collect your details. A marketplace's own form explains who contacts you4.
Do you cover Medicare or health insurance?
No. CoverPlainly covers auto, home, renters and pet insurance only.
Why are some big insurers missing?
We list a company only when we could read its own pages on the date shown. Sites that blocked us are left out rather than described from memory.
Storm season coming?
Hurricane cover often starts 30 days after you buy, and some states stop sales once a watch is issued. Check your policy now.
About this page
CoverPlainly is also not an insurance agent, does not sell insurance or collect your details, and does not cover Medicare. Nothing here is insurance advice.
Prices, coverage and terms belong to each company and can change. The company's own page and your policy are the final word; the insurer decides every application.