Every page here names the person responsible for it. Todd Whittington edits the site. Horizon Two Labs, a Columbus, Ohio company, publishes it. For pages about coverage rules or state law, we're recruiting a currently licensed property & casualty agent to review them. Until one is retained, no page claims a licensed review.
Last reviewed
Todd Whittington, Editor. Responsible for what the calculators conclude and why: the verdict rules, the cost pages, the state-law breakdowns and the guides.
We're recruiting a currently-licensed property & casualty producer to review every page that discusses coverage, deductibles, claims practice, or state statutes. The reviewer's name, National Producer Number, and state of licensure will appear in the byline of every content page once retained.
If you're a licensed P&C agent interested in the role, see the position details.
Every content page carries a visible "Last reviewed" date. When a state amends its glass statute, when a carrier changes a published rating rule, or when we complete a scheduled quarterly re-verification, we update the page and its date. State statute pages cite the primary source and are re-verified against it, not against an aggregator's summary of it. Live pricing on the calculator and cost pages is pulled on the visitor's request, not cached from a survey.
Corrections are welcome. If you find a fact we got wrong, tell us and we will fix it, credit you, and note the change in the page's revision history.
We are not your insurance agent, your lawyer, or a substitute for either. We publish accurate information and math so you can make your own decision. When a question is genuinely close, the calculator says so instead of guessing, and that is your prompt to check with a licensed agent.
A note on bylines. Until October 2026, pages here were credited to "Kent Lansing," a pen name. We've retired it. Pages are now credited to the person who edits them.