The reference that should already exist
Home insurance is breaking in large parts of the country, and the existing internet about it is mostly lead-generation funnels and state-government PDFs. Neither is what someone who just opened a non-renewal letter at 11pm needs. Still Insurable is the calm middle: data first, every claim sourced and dated, and one rule above all the others — we tell you what's true before we ask you for anything.
Who makes this
A small editorial team — researchers and writers who read the rules manuals, the rate filings, and the statutes so you don't have to. We deliberately don't run this as a personal brand. There's no founder story to sell and no influencer to follow; the credibility is supposed to live in the method, not in a face. If a page makes a claim, what should reassure you is the source link next to it and the date under it, not whose name is on the masthead.
What the site is
- A state-by-state reference on FAIR Plans and residual-market insurance — what each plan covers, who qualifies, what it costs, how to apply, and what's changing.
- Plain-English guides for the three situations that bring most people here: a non-renewal notice, a binder problem mid-escrow, and a premium that just jumped.
- A freshness machine. Every fact has a re-check date; an automated sweep flags what's due; a person re-verifies it against the original source. The date on the page means something.
What the site is not
- It's not a quote form wearing a publisher's clothes. Nothing here is gated behind your email or phone number — you can read every page without giving us anything. If you do choose to use the optional get-connected form, we're upfront about where your details go (to licensed broker(s) and partners, and your email may join a mailing list we may monetise) and you can opt out anytime — see the Privacy Policy.
- It's not insurance advice. It's a reference. Big regulated decisions still mean talking to a licensed agent and, when it matters, your state's Department of Insurance.
- It's not AI slop with a nice font. Content is drafted with AI assistance, then run through a deterministic quality gate and a human editor; every numeric claim has to carry its source or it doesn't ship. If you ever find a page that reads like filler, that's a bug — tell us.
How it makes money
Two ways, both disclosed at the point they happen:
- Broker referrals. If you want help and we connect you to a licensed broker on our referral panel, we may be paid a referral fee. We say so right there, in a full sentence, next to the offer — and we put the do-it-yourself link next to it too, because for a lot of people the DIY path is the better one and hiding it would be a tell.
- Affiliate links. If we link a product or service (say, a difference-in-conditions policy or a comparison tool) and earn a commission, the link is labelled. We only link things we'd point a friend to, and the commission never changes what we say about them.
That's it. No ads that follow you around, no "unlock the full report" wall. If you use the optional get-connected form we may add your email to a mailing list and use it — or let partners use it — to send you related offers; every message has an unsubscribe link, and the full detail and opt-outs are in the Privacy Policy. The pitch is simple: be the most trustworthy page on the internet about whether you can still insure your home — and let that be the business.
Contact
- Corrections to a dated, sourced claim: corrections@stillinsurable.com (these jump the queue)
- Privacy requests and opt-outs: privacy@stillinsurable.com
- Everything else: hello@stillinsurable.com