ClearValue Insurance · coverage, explained plainly
Insurance you can actually compare, honestly.
Here's the deal: most people buy insurance they don't fully understand from someone who's paid to sell it. We do the opposite. We explain auto, home, and life coverage in plain English and compare the options against a published standard — so you walk in knowing the tradeoffs. We're not a licensed agent, and we sell nothing.
How we work
Four rules. Every guide. Every page.
The same standard runs through everything we publish — so whether you land on an auto explainer or a life-insurance comparison, you're reading one honest approach, not a pile of pages that happen to share a logo.
Plain English first
We explain what a coverage actually does — deductibles, limits, exclusions — before anyone asks you to choose. No jargon you have to Google.
Show how we compare
Our comparison standard is published. Don't like how something ranks? You can see exactly what went into it — and argue with it.
Cite every number
Every figure ties back to a named, dated source like the NAIC or the III. We describe the market — we don't invent averages or promise savings.
We sell nothing
We're not a licensed agent and we don't bind policies. That means no pressure to buy — just the tradeoffs, laid out so you can decide.
What we cover
Start with your coverage.
Auto insurance
How liability, collision, and comprehensive fit together — and which coverage you actually need.
See your options HomeHome insurance
Dwelling limits, replacement cost, and the exclusions that surprise people at claim time.
See your options RentersRenters insurance
What an HO-4 policy covers, why the landlord's insurance isn't enough, and the flood/quake gaps.
See your options LifeLife insurance
Term vs. whole, how much coverage makes sense, and the questions to ask before you buy.
See your optionsWhere it comes from
Founded by Brian Kim.
ClearValue started with Brian Kim — a CPA who got tired of watching people get talked into money decisions they didn't understand, and started explaining it in plain English instead. Millions listened. ClearValue Insurance runs on the same approach: the coverage, the tradeoffs, and the fine print, said plainly — and never dressed up to sell you a policy.
More about Brian KimThe trust bar
Educational only — and written down.
We're not a licensed agent, we sell nothing, and every number we publish ties back to a named, dated public source. How we compare coverage and how we earn are both published — read them, don't take our word for it.
Frequently asked
Is ClearValue Insurance an insurance agency or broker?
No. ClearValue Insurance is an independent education and comparison publisher. We are not a licensed insurance agent, broker, producer, or carrier, we do not sell, bind, or issue policies, and nothing here is personalized insurance advice. Coverage, eligibility, and pricing are set solely by the insurer.
What does ClearValue Insurance actually do?
We explain how auto, home, and life coverage works in plain English, and we compare your options against a published standard so you can see the tradeoffs before you talk to anyone who sells a policy. Think of it as doing the homework — you still make the call.
How does ClearValue Insurance make money?
We may earn through disclosed advertising and referral arrangements, stated on the page where they apply. What we get paid never changes how we explain a coverage type or how we rank options. The full breakdown is on our how-we-make-money page.
Where do your numbers come from?
Every figure we cite comes from a named, dated public source — the NAIC, the Insurance Information Institute, a state department of insurance, the Federal Reserve, or the BLS. We describe the market, not a quote for you, and we do not promise savings.
Who is behind ClearValue Insurance?
ClearValue Insurance is part of the ClearValue family, founded by Brian Kim — a CPA who got tired of watching people get talked into money decisions they didn't understand. It's published under the ClearValue Money parent and holds to the same plain-English standard.