Rate refresh, demonstrated
Watch how a new regulatory filing changes a carrier’s price — the same mechanism the apps run across the complete provider list.
Demo coming to this site
AI-native · Built on public regulatory data · USA
Every insurance. One hub.
The honest price.
Auto · Home · Health · Life · Flood · Pet — compared from evidence, not ads.
Insurance Hub compares every kind of insurance using prices computed from what carriers legally file with state regulators. Not partner bids. Not ads. Evidence, refreshed as rates change.
- Every domain, one place
- National-level comparison
- Nothing about you is stored on this site
Prices and facts sourced from public, authoritative data
- State rate filings (SERFF)
- State Departments of Insurance
- CMS / Healthcare.gov
- OpenFEMA · NFIP
- USDA RMA
- NAIC reports
All domains
One hub for every insurance in your life
Start from the full landscape, then drill down to the coverage, state, and situation that matter to you. The same domains you see here are in the apps — with the complete provider list.
- 🚗
Auto
Liability to full coverage, every filed rate.
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Home
Homeowners forms, deductibles, wind/hail.
- 🔑
Renters
Contents and liability for a few dollars a month.
- 🩺
Health
ACA marketplace plans, county by county. Try the live demo
- 🛡️
Life
Term and permanent, priced from filed manuals.
- 🌊
Flood
NFIP and private flood, by address risk.
- 🐾
Pet
Accident and illness plans compared honestly.
- 🏍️
Motorcycle
Seasonal riders to daily commuters.
- ☂️
Umbrella
Extra liability above auto and home.
- 🌾
Crop
Federal crop program rates, fully public.
- 🧑💼
Workers’ comp
State rating bureau benchmarks.
- ✈️
Travel & more
Disability, title, business — the hub keeps growing.
How it works
From public filings to your comparison — transparently
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1
Regulators publish the rules
US carriers must file their rates, rules, and rating formulas with state regulators before charging them. Those filings are public record.
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2
AI reads every filing
Our AI pipeline extracts each carrier’s rating plan — base rates, factor tables, the exact formula — and verifies it against the carrier’s own worked examples in the filing.
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3
Prices computed for your situation
Describe your situation once; the hub computes representative prices across carriers, side by side, at national scale.
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4
Refreshed when rates change
A new filing is literally the event “this carrier’s prices changed.” We watch for them and refresh — often before the change even takes effect.
Prices are representative rates computed from public filings — carriers confirm the final quote. What you get here is the honest ranking, with the receipts.
Evidence, not ads
Why filed rates beat comparison sites
Comparison sites today
- Show only partner carriers who pay per lead
- Ranking shaped by commissions
- Your contact details become the product
- No way to see where a price came from
Insurance Hub
- Covers carriers because they filed rates — not because they paid
- Ranking driven only by your situation
- This site stores nothing about you
- Every price links to the public filing behind it
Learn & try
Understand insurance before you spend a dollar
This site is also a classroom. Interactive explainers and simulations show you how insurance pricing actually works — including a live demonstration of rate refreshing across a limited set of providers, right here in your browser.
What’s in a premium?
Base rates, territory factors, deductible credits — a guided simulation that builds a real premium in front of you.
Simulation coming to this site
Domain guides
Plain-language guides for every insurance domain: what it covers, what it costs, and the traps to avoid.
Guides coming to this site
iOS & Android
The complete hub lives in the apps
This website demonstrates the idea on a limited set of providers. The mobile apps carry the complete list — every domain, every covered carrier, national comparison, refreshed prices, all in your pocket. Browsing is free; a $4.99/month subscription unlocks full pricing across every domain.
- Complete provider coverage — the full list, not the demo subset
- Drill-down for your situation — from domain to exact coverage
- Refresh alerts — know when your carrier files a change
- Free to browse, subscribe to unlock — you are the customer, never the product