Index / Method
Method, sources and corrections
How the records are read, and how the lists are ordered
Two kinds of page sit on this site. State pages are records: nothing on them is scored. List pages order rows by one stated field, or, for companies, by a 100-point rubric printed here with its arithmetic.
State pages: how a roster is read
- The roster comes from the state's own publication only: an open dataset, a PDF, a portal table or a map layer published by the regulator. No third-party directory is used.
- Every roster is printed in full, alphabetically by the name as filed, with the state's own as-of date and the date this index pulled it. Rows are not merged, renamed or filtered, with two stated exceptions: California prints administrators and not its 14,701 seller locations, and Texas prints both subtypes with the subtype shown.
- A list the state has stopped updating is printed with its date and marked stale. Wisconsin's 2021 directory is the one case today.
- A state that publishes counts but no exportable list, Florida today, gets its counts and a link to the search, not a typed-out roster.
- A state this edition did not read says so. Its page names the state insurance department and records nothing else.
- Registration is a filing status, not a quality rating. No state page orders, scores or describes a company on the strength of a roster line, and no state is described as strict or weak.
The provider rubric, 100 points
Company lists (for example, companies registered in all four states that publish vehicle rosters) are ordered by this rubric, computed by one script over one data file. Every point traces to a page the company published or a state roster, with a pull date. A field the company does not publish scores zero.
| Bucket | Field | Points |
|---|---|---|
| A. Transparency (30) | Sample contract online with no personal data required | 15 |
| Price obtainable online with no phone call | 10 | |
| Deductible and waiting period both printed on the public site | 5 | |
| B. Consumer terms (35) | Money-back period: 30 days or more 12; under 30 days 6; none or unstated 0 | 12 |
| Waiting period: 30 days or less 8; 31 to 60 days 4; longer 0; no waiting period 8 | 8 | |
| Transferable to a new owner | 5 | |
| A $0 deductible option | 5 | |
| Pro-rata refund after coverage begins, stated | 5 | |
| C. Standing (25) | On the vehicle rosters of TX, MN, NY, NV: 4 states 12; 3 states 9; 2 states 6; 1 state 3 | 12 |
| Legal entity name printed on the public site | 5 | |
| Obligor or backing insurer named on the public site | 8 | |
| D. Public record (10) | Regulator orders, attorney general settlements, FTC or FCC actions on a .gov source in the last five years: none 10; one 5; two or more 0 | 10 |
The arithmetic, worked once
Click 4 Coverage, the advertiser, read on its own site on October 16, 2026: no sample contract online (0 of 15); online quote with no phone call (10); deductible and waiting period printed (5); so A is 15. A full refund during the 30-day waiting period (12); a 30-day waiting period (8); most contracts transferable (5); $0 deductible options (5); pro-rata refund after coverage begins (5); so B is 35. On none of the four vehicle rosters (0); no legal entity printed (0); no obligor named (0); so C is 0. No .gov action found in three searches (10), which is not proof of a clean record. Total 15 + 35 + 0 + 10 = 60, or 3.0 of 5. The advertiser is scored by exactly these rules and sits at its earned position in any table it qualifies for, tagged advertiser.
Ties and exclusions
Ties on any list are broken alphabetically by name. A list prints only the rows that pass its stated cut, and a list with too few qualifying rows (6 for a ranking, 10 for a table) is not published at all. List pages built from state data, such as miles per registered vehicle, sort by the one field named in their method box and nothing else.
What is not scored
No reviews, no cost, no customer service. Those three are left out in those words because no source for them meets the rule above. Star ratings and complaint figures from review platforms and rating bureaus are not used anywhere on this site. Prices vary by vehicle and expire, so they are not compared. No state read for this index publishes complaint counts by company.
Sources and pull dates
| Source | State's date | Pulled |
|---|---|---|
| Texas TDLR open dataset 7358-krk7 (data.texas.gov) | updated 2026-09-19 | 2026-10-16 |
| Minnesota Commerce provider and VPP warrantor PDFs | 23-Oct-25 | 2026-10-16 |
| New York DFS service contract provider table | cycle 2025-03-01 to 2027-02-28 | 2026-10-16 |
| Nevada Division of Insurance provider map layer | July 2025 | 2026-10-16 |
| Virginia VDACS registered home service contract providers | 12/30/2025 | 2026-10-16 |
| Iowa Insurance Division dataset 721 (data.iowa.gov) | updated 2026-06-04 | 2026-10-16 |
| California DCA BHGS bulk file | 2026-10-01 | 2026-10-16 |
| Florida OIR company search, three types | current as of 10/15/2026 | 2026-10-16 |
| Wisconsin OCI 2022 Insurance Report directory | data as of 2021-12-31 | 2026-10-16 |
| FHWA Highway Statistics VM-2 and MV-1 | data year 2024 | 2026-10-16 |
| Company terms (for the rubric): each company's own FAQ, terms and sample contract pages | as printed | 2026-10-16 |
Statutes cited on state pages (RSMo 385.200, C.R.S. 10-4-1603(9), K.S.A. 40-201a, 806 KAR 5:060, MCL 500.125, ORS 646A, RCW 48.110, Ohio Revised Code 3905.42x, Indiana Bulletin 210) were read on October 16, 2026.
How the site is paid
OwnersFirm publishes The State Coverage Index. Click 4 Coverage is a client of OwnersFirm and pays for placement; OwnersFirm is paid when a reader who arrives from this site buys coverage. The advertiser's card is labeled Paid placement wherever it appears and sits outside every table. It is not shown on any state page whose roster the advertiser does not appear on, which today is every roster page. No other company paid to appear. Links to the advertiser pass through this site's own redirect so no advertiser script runs on these pages.
Corrections
A record is corrected when the state's own publication shows it is wrong, or when the state publishes a newer list. A company that believes its roster line or its rubric inputs are wrong should point to the state publication or to the page on its own site that shows the fact; the record changes when that page says so, and the change is dated on the page. A correction never moves a company on a list by any route other than the rubric.