General education only
The Coverage Clarity Tool and Your Insurance Cousin provide general insurance education. They do not sell or quote insurance and do not act as an insurance agent, attorney, claims representative, underwriter, lender, or emergency service.
Your policy and circumstances control
The tool does not determine coverage, eligibility, claim outcomes, fault, policy interpretation, or pricing. Insurance terms and decisions vary by policy, company, property, vehicle, state, facts, and individual circumstances.
The complete policy, declarations page, forms, endorsements, company decisions, and applicable law control. Review your specific situation with an appropriately licensed professional.
No guarantees
A tool result or guide does not promise that a policy will be available, that a claim will be paid, that a rate will change, or that a particular company or policy will fit your needs.
Emergencies and urgent situations
If there is immediate danger, an injury, fire, leaking fuel, blocked traffic, or another emergency, contact 911 or the appropriate local emergency service. Do not wait for an online tool response.
Digital guides
Paid guides are optional educational resources. Product details, price, delivery, refunds, and payment processing are presented on the linked checkout pages.
Your responsibility
Use your own judgment, verify important information, review the full policy, and ask an appropriately licensed professional to clarify your specific situation in writing.