Compare coverage
Compare the coverage, not just the price.
Here's the deal: most "compare insurance" tools race you to the cheapest number and quietly leave out what that number stops covering. We don't. We help you find your coverage match — get the coverage right first, then compare options that actually line up, against a standard we publish. We're not a licensed agent and we sell nothing, so there's no policy we're nudging you toward.
Start with your lane
Comparison starts with knowing what you're comparing. Pick the coverage you're weighing and we'll walk you through what to hold constant and what to watch.
Liability, collision, comprehensive — matched limits and deductibles before you look at price.
See your options HomeDwelling limits at true replacement cost, exclusions read, and the deductibles that hide in the fine print.
See your options RentersPersonal property and liability limits matched, replacement cost vs. actual cash value checked before price.
See your options LifeSame death benefit, same term, same policy type — compared like with like, with the insurer's strength checked.
See your optionsBefore you look at price
What to hold constant, by lane.
Two options can look close in price and cover very different things. Here's what to match before the number means anything.
Hold constant: Liability limits, deductible, and whether collision/comprehensive are included
Watch for: A lower premium that quietly drops collision or comprehensive isn't a cheaper version of the same policy — it's less coverage.
Hold constant: Dwelling coverage at replacement cost (not market value), plus the deductible type
Watch for: Percentage deductibles for wind/hail can run far higher in dollars than a flat deductible looks like it would.
Hold constant: Personal property limit and replacement cost vs. actual cash value
Watch for: Actual cash value settles for what your used stuff is worth today, not what it costs to replace.
Hold constant: Death benefit, term length, and policy type (term vs. whole)
Watch for: Term against whole life isn't a real comparison — match the policy type first, then compare price.
How the comparison works
Four rules, every comparison.
Coverage first, price second
We start by getting the coverage right for your situation, then compare price across options that actually match. A cheaper policy that covers less isn't a better deal — it's a different product.
One published standard
The same standard is applied the same way to every option. It's written down on our methodology page, so if you disagree with how something lands, you can see exactly what went into it.
Every figure sourced
Any number we put next to a comparison ties back to a named, dated public source — the NAIC, the III, a state department of insurance, the Fed, or the BLS. We describe the market, not a quote for you.
Disclosure on the page
Where we earn from a referral or ad, we say so right where it applies. What we're paid never changes how we explain a coverage or where an option lands.
The disclaimer, stated plainly
ClearValue Insurance is not a licensed insurance agent, broker, producer, or carrier. This page is educational only — nothing here is personalized insurance advice, and it is not an offer to sell or a recommendation of any specific policy. Coverage, eligibility, and pricing are set solely by the insurer.
Frequently asked
Can I buy a policy or see prices here?
No. ClearValue Insurance is not a licensed agent, broker, or carrier — we don't quote, sell, or bind coverage. What we do is help you find your coverage match: understand which coverages fit your situation and compare the options against a published standard, so the buying conversation with a licensed agent or carrier is a short one.
How is your comparison different from a rate-quote site?
A rate-quote site starts with price and often earns more when you buy a particular policy. We start with coverage. We hold the coverage constant, compare against a published standard applied the same way to every option, and disclose how we earn on the page where it applies. Price matters — but only once you're comparing the same thing.
Do you rank specific insurers with star ratings?
We don't invent ratings or star scores. Where we reference an insurer's financial strength or complaint record, it comes from a named third party — an independent rating agency or your state department of insurance — not from us. Our comparison is about coverage and fit, applied by a standard you can read.