About Policyselect
Here's exactly how we work, where our information comes from, and what we do and don't claim to be.
Policyselect is not an insurer, agent or broker. We don't sell coverage, don't receive commission from insurers, and don't accept payment to feature or rank any company. Nothing on this site is a sponsored placement.
Our estimator tools and guides are built to explain how coverage and pricing generally work, so that whichever insurer or agent you eventually talk to, you're asking sharper questions.
Where this site presents a "risk tier" or an "estimate," it's built from a simplified, disclosed formula — not a proprietary black box. Three principles guide how we build every tool:
Every calculator on the Tools page lists the inputs it used and the assumptions behind the math, directly next to the result.
We flag what a tool does not account for — inflation, network differences, coinsurance — instead of letting a clean number imply more precision than it has.
We don't fabricate insurer names, ratings, certifications, statistics or approval statuses. If we don't have a sourced figure, we describe the general mechanism instead.
Guides are written from publicly available regulatory material and general industry practice. We update a guide when the underlying mechanic it describes changes.
Every estimator tool runs entirely in your browser. Numbers you enter are never transmitted, stored, or shared — closing the tab clears them.
We label every estimate as educational, never as a quote or approval. If a tool's limitations mean it isn't right for your situation, we say so.
We're glad to walk through any methodology in more detail — reach out any time.
Contact the team