Insurance answers with the evidence attached. Free to read, and nothing to fill in.
46 lines of insurance indexed, 20 written up in full, 46 questions answered, 287 source records behind them. Operated by WJB Services, Inc. dba Bollinsure Insurance Services. No account, no email, and no quote is required to read any of it.
| Measure | Value | What it means |
|---|---|---|
| Source records | 287 | Each carries a publisher, dates, and the exact claims it supports. |
| Primary sources | 249 of 287 | Statutes, regulations, regulator guidance, and official records. |
| Stale sources | 0 | Past the review window. Flagged on every page that cites them. |
| Independently rechecked | 5 of 287 | Confirmed again after the day it was added. The rest carry the date they were read on, and say so. |
| Most recent review | September 6, 2026 | A named person signed off on that page before it published. |
| Pages corrected | 0 | Every material correction is logged in public. |
Current state of the published corpus, counted from the source registry.
- Sources
- 287 records, 249 primary
- Stale
- 0 past the review window
- Reviewed
- September 6, 2026
- Corrected
- 0 pages
Useful places to start
Chosen by a reviewer for how often the underlying confusion causes a real problem. These are not usage counts.
Does homeowners insurance cover earthquake damage in California?
Generally no, and California law says so in the statute itself: section 10083(a) prescribes the wording insurers must use for the mandatory earthquake offer, in at least 10-point boldface ty
What is the difference between replacement cost and market value?
Replacement cost is the cost to repair or replace damaged property using materials of a like kind and quality; market value is a different number, because it includes the price of land and d
What is a claims-made retroactive date?
On a claims-made liability policy written with a retroactive date, that date is the earliest point at which the injury, damage, or wrongful act can have happened and still fall inside what t
How do workers compensation class codes affect a quote?
Start with which system applies, because that is a question of state. NCCI states that its Experience Rating Plan does not apply in California, Delaware, Michigan, New Jersey, New York or Pe
What does a lender insurance requirement actually prove?
A lender insurance requirement proves the loan condition is satisfied. It is written around the loan and the collateral, not around whether a household could recover. For flood, 42 U.S.C. 40
What does a surety bond guarantee, and how is it different from insurance?
A surety bond guarantees that the bonded party will perform an obligation, and it is written for the party that required the bond rather than the party that pays for it. NASBP describes a su
Organized around entities, not a blog chronology
The library is arranged by what a thing is, not when it was written. Every record links to the questions that depend on it.
Coverage library
What a line is designed to protect, what it commonly covers, and the policy-form caveats.
Question library
Every question with a direct answer, its assumptions, and what would change it.
Companies and regulators
Verified identity, regulator records, and official channels. No ratings summaries.
States
Regulator, rate mechanism, residual market, and current statutory minimums.
Examples
Public records, composites, and hypotheticals, each labeled for exactly what it is.
Tools
Organize a contract requirement, a renewal, or a policy comparison. Nothing is uploaded.
Recently reviewed
Sorted by the date a person last checked the page against its sources.
Can I return a life policy or annuity after buying it, and do I get everything back?
Yes, within a window printed on the policy, and not always everything. Every individual life policy and annuity contract issued for delivery in California must carry a no
Can my business be liable if a customer harasses one of my employees?
In California, yes, in defined circumstances. An employer may be responsible for the acts of nonemployees with respect to harassment of employees, applicants, unpaid inte
Condominium unit owners insurance (California)
The policy an individual owner buys for the part of a common interest development that is theirs, written against a boundary set by statute and by the declaration rather
Did Florida repeal no-fault insurance?
No. Two attempts have failed and the Florida Motor Vehicle No-Fault Law is still in place. CS/CS/SB 54 in 2021 was titled Motor Vehicle Insurance and its description incl
Does flood insurance pay for somewhere to live while my home is repaired?
No. The Standard Flood Insurance Policy excludes any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any
Does my business auto policy cover an employee driving their own car for work?
It can cover the business, and it does not cover the employee. Symbol 9, Non-owned Autos Only, reaches autos you do not own, lease, hire, rent or borrow that are used in
What this site will and will not do
It will
- State the direct answer first, then the conditions.
- Map every material claim to a dated source you can open.
- Say when competent sources disagree, or when a rule is changing.
- Show the author, the reviewer, and the review date.
- Publish corrections with the prior wording intact.
- Say "insufficient evidence" rather than fill a gap.
It will not
- Give legal, tax, medical, lending, investment, or claims advice.
- Decide whether a specific risk is eligible, bound, or uninsurable.
- Rank insurers, or publish a "best" or "cheapest" claim.
- Require an email, a phone number, or an account to read anything.
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- Invent an example, a premium, a savings figure, or a claim outcome.