Editorial Policy

Policy & Property covers topics that can affect your money and your home. We take that responsibility seriously. This page explains how we research, verify, stay independent and fix mistakes.

Our standard

Every factual claim we publish should be accurate, current as of the publication date, traceable to a named source, and presented with enough context that a reader can understand what it does and does not mean for them.

Research and sourcing

We prefer primary sources, in roughly this order:

• Government and regulatory sources, such as state insurance departments, the National Association of Insurance Commissioners (NAIC), the Federal Reserve, the Bureau of Labor Statistics, the Census Bureau, the Federal Housing Finance Agency, the Consumer Financial Protection Bureau and the Federal Trade Commission.
• Official documents, such as court filings and orders, rate filings, attorney general press releases and company earnings releases.
• Established industry data, such as Freddie Mac's Primary Mortgage Market Survey, the Mortgage Bankers Association's weekly survey, the National Association of Realtors, Redfin, the Insurance Information Institute and major insurance-pricing studies.
• Reputable news reporting, used to describe events, quotes and documents we cannot access directly, always credited by name.

Every article ends with a full list of sources, with links, and every video description lists them too. When we rely on a news outlet's description of a document, such as a court exhibit, we say so.

Verification on publish day

Insurance and housing figures move weekly. Before anything is published, each number, date, quote and name in the script or article is checked against its cited source on the day of publication. Each article shows a "Published" and "Last updated" date. If a fact has changed since the date shown, the date tells you when our information was current.

Calculations and examples

When we calculate a payment, a savings figure or a percentage change, we show the inputs and assumptions, for example loan amount, rate, term and what is excluded such as taxes and insurance. Fictional households used in examples are labeled as illustrations. Where we compute a figure ourselves rather than quoting it, we say it is our math.

How we cover lawsuits and allegations

We describe claims in lawsuits and regulatory actions as allegations unless a court or regulator has made a finding. We include the company's response when it is available, and we note what is still pending, such as hearing and trial dates. A settlement is reported as a settlement, not as proof of wrongdoing, unless the settlement itself includes an admission.

How we choose which companies to name

We name a company when it is central to a verifiable news event: a regulator approved its rate change, it is a party to a lawsuit or settlement, its own documents or results are public, or it is the source of data we cite. We do not single out a company because of any business relationship, and we do not leave a company out of a story to protect one. When we name a company in a lawsuit or complaint, we try to give equal prominence to its side.

Independence from advertisers and partners

Our editorial decisions are made independently of any commercial relationship. In the future, we may earn referral fees through clearly labeled paid links (see our Affiliate Disclosure). If we do:

• No company can pay to be covered, to be covered favorably, or to review a story before it is published.
• A company's partner status does not change what we report about it, including negative news.
• We will only list a comparison service or product that we would be comfortable recommending to a family member, and we will remove it if that changes.
• Paid links will be labeled "paid link" next to the link itself.

Use of AI

We use AI tools to assist with research, drafting, graphics and editing, and our video narration is an AI-generated voice. We disclose AI narration in every video. The sourcing and verification rules on this page apply to everything we publish regardless of how it was drafted, and Santosh Singh is responsible for all published content.

Corrections

We correct errors quickly and transparently.

• To report an error, email sksinghmbu2@gmail.com with the page or video link and what you believe is wrong. Include a source if you have one.
• We aim to review correction requests within two business days.
• If we confirm an error in an article, we fix it and add a dated correction note at the end of the article that explains what changed. Minor typos that do not change meaning may be fixed without a note.
• If an error appears in a video, we add a correction in the video description and pinned comment, and correct the matching article on this site.
• If new information makes a story out of date rather than wrong, we update it and change the "Last updated" date.

Not advice

Our content is general education. It is not individualized insurance, financial, tax or legal advice. Policy & Property is not a licensed insurance agent, broker, adjuster, mortgage lender or financial advisor. Always read your own policy or loan documents and consult a licensed professional before making decisions.