About us
Independent answers, in plain English.
Hearthwise exists to make homeowners insurance easier to understand and easier to choose. We publish jargon-free guides and score every option on the same transparent rubric — so you can make a confident decision without a sales pitch.
How we review
Every product is measured against the same 100-point rubric, weighted toward what actually changes the reader's experience: value for money, quality and coverage, service and support, and transparency. We don't grade on a curve, and we don't round up. The score you see on a review is the number our scoring produced.
How we stay independent
Our work is reader-funded. Some links on this site are affiliate links — if you act on a recommendation, we may earn a commission at no extra cost to you. That funding keeps our guides free, but it never decides our rankings. No brand previews a review before it publishes, and no one can pay for a higher position.
How we keep it current
homeowners insurance change. Prices move, terms shift, and new options appear. We re-test and re-score on a fixed schedule, and every page shows the date it was last verified, so you're never reading a recommendation that quietly went stale.
A note on what we are not
We are a publisher, not a seller. We don't broker, enroll, or sign anyone up for anything. When a decision deserves official guidance or a licensed professional, we say so and point you to the authoritative source.
Independent
No paid placements, ever.
Transparent
One rubric, shown openly.
Current
Re-tested on a schedule.