100% IndependentExpert fact-checkedUpdated daily

Independent insurance data & claims research

Insurhi is an independent insurance data and claims research organization. We publish the Insurhi Rating Framework (IRF), structured coverage research, claim documentation playbooks, and anonymized case studies—not quotes, sales, or claim filing services. We help readers understand coverage, prepare complete claim files, and evaluate carriers using published methodology—not marketing copy or paid placement.

Playbooks: 6 Claim Playbooks
Checklists: 36 Checklist Items
Categories: 6 Coverage Lines
Coverage briefs: 8 Coverage Briefs

Editorial disclosure

Our goal is to help you make informed insurance decisions with research-backed guides and comparisons. While we may receive compensation from some partners, this does not influence our editors' evaluations. We maintain a strict separation between editorial review and business relationships so guidance stays objective and data-driven.

Product and provider scores use the Insurhi Rating Framework (IRF). Content is not legal, financial, or insurance advice. Errors? Email editorial@insurhi.com for a 48-hour review. See methodology

Reviewed by named insurance researchers

4 published experts with a combined 35+ years of insurance research experience—each guide, product review, and claims walkthrough is category-reviewed.

Meet our experts About Insurhi IRF scoring methodology Claims media brief

David Okonkwo· 11+ years in insurance research

Elena Rodriguez· 7+ years in insurance research

Marcus Chen· 9+ years in insurance research

Sarah Mitchell· 8+ years in insurance research

Insurhi Rating Framework (IRF-1.0)

Product and provider reviews are scored on five dimensions—coverage, pricing, claims, service, and transparency—with published weights. Overall IRF score = (Coverage × 30%) + (Pricing × 25%) + (Claims × 25%) + (Service × 15%) + (Transparency × 5%).

See how we score Claims checklist

Coverage · 30%Pricing · 25%Claims · 25%Service · 15%Transparency · 5%

Research by coverage line

Each hub leads with claim playbooks and documentation research — then IRF-rated products and coverage briefs.

Auto Insurance

Accident evidence checklists, total-loss workflows, and denial patterns after a crash.

Open hub

Life Insurance

Beneficiary claim documents, contestability windows, and delay prevention playbooks.

Open hub

Home Insurance

Hail, fire, and water-damage proof-of-loss guides — file before denials stack up.

Open hub

Pet Insurance

Vet invoice prep, pre-existing dispute patterns, and chronic-condition claim workflows.

Open hub

Medicare

Billing-error appeals, prior-auth documentation, and out-of-network claim coordination.

Open hub

Renters Insurance

Theft evidence, water-damage inventory, and sub-limit claim documentation.

Open hub

Research hub

IRF data, case studies, and methodology.

Claims playbooks

Buying guides

Market data

Frequently asked questions

Our experts answer common questions about our research and methodology.

How does Insurhi stay independent?

Insurhi is editorially independent. Our IRF ratings and claims research are based on documented methodology, cited sources, and category editor review — not paid placement. Affiliate relationships, when present, are disclosed and do not change editorial rankings.

Is this financial advice?

No. Insurhi content is informational and educational only. It is not legal, financial, or insurance advice. Always read full policy wording and confirm coverage, exclusions, and pricing with a licensed insurer or agent before purchase.

How often is provider data updated?

Flagship product and provider pages are reviewed on a rolling editorial schedule. Pricing snapshots and coverage summaries are refreshed when carriers publish material changes; claims playbooks are updated when workflows or regulations shift.

Can you help me file a claim?

We do not file claims on your behalf. Our claims playbooks provide step-by-step FNOL workflows, document checklists, denial patterns, and case references so you can prepare before contacting your carrier.

Continue exploring

Start with claims research, browse IRF data, or read coverage briefs by line.

Research hubIRF ratings, case studies, and published methodology.Open Claims libraryPlaybooks, document checklists, denial patterns, and cases.Open Data & IRFInsurhi Rating Framework scores and scoring rubric.Open Coverage briefsStructured research on policy mechanics and exclusions.Open