Terms of Use

Updated January 2013

The content on ExpertInsuranceReviews.com is for informational use only. Scenarios for an individual, family, business, or other entity can vary dramatically, and the content provided here should not be considered personalized advice.

Author Opinion

Insurance reviews and articles are compiled from information found all over the internet on major sites such as the Rip Off Report, Complaints Board, Wikipedia, etc.

Author opinion may also be included as well. This information is just that, an opinion. It should not be considered absolute or definitive, but rather a personal opinion to help users who are looking for additional viewpoints on particular topics or businesses.

Guest Authors

ExpertInsuranceReviews.com, from time-to-time, may host guest authors who supply their own content. These posts are often labeled as a guest submission or provide author details, but in some cases may not.

Guest authors write material on their own and use their research and/or opinion, and does not necessarily represent the views or opinions of the editors, owners or anyone affiliated with ExpertInsuranceReviews.com. They are responsible for the facts or opinions outlined in their content.

Ratings

Insurance company reviews are typically assigned a rating based on a 5-star system. The stars represent the following:

  • 5 Star – Excellent
  • 4 Star – Above Average
  • 3 Star – Average
  • 2 Star – Below Average
  • 1 Star – Poor

The ratings are determined based on research and author opinion. The factors that may be included are, but not limited to, customer service, price, claims process, strength of business, public reputation, online complaints/praises, advertising policies, website usability, information available online, product distribution method, and service area.

Better Business Bureau

The Better Business Bureau rating for an insurance company may be included in an article, but does not necessarily have to factor into the rating issued by this site or the author of the content. Reports have shown that Better Business Bureau ratings can be bought with relative ease, but they are sometimes provided on this site because some users find the information useful.

Inaccuracies

Factual inaccuracies found on ExpertInsuranceReviews.com can be reported here. Information supporting the claim should be supplied. Additionally, information in articles can become outdated, but this does not deem them inaccurate as of the time of writing. Should a post be updated in the future, the revision will include the current data supplied in the inaccuracy report or most recent data available.

Difference of opinion is not the same as an inaccuracy.

Affiliate Partnerships / FTC Disclosure

ExpertInsuranceReviews.com partners with insurance companies through the use of affiliate links. When users visit certain 3rd party websites, ExpertInsuranceReviews.com may be paid a “commission” for sending the traffic. These partnerships in no way impact the the reviews of any companies on this site.

ExpertInsuranceReviews.com may also from time-to-time enter into agreements with other 3rd party organizations and host their content or technology. For example, a third-party company may provide their own system that allows for users to view insurance companies in their area based on zip codes. ExpertInsuranceReviews.com has no control over what information is actually displayed to the user, and in some cases may be compensated. These arrangements have no impact on any reviews written on the site.

ExpertInsuranceReviews.com makes it a priority to not let any partnership influence the ratings or reviews.