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Insurance Coverage Hub

Affiliate Disclosure

FTC disclosure:Bedrocka Tools participates in affiliate and referral programs. When you click a link or sign up through a partner we mention, we may earn a commission at no additional cost to you. We only partner with products we've independently evaluated and would recommend to a friend. Affiliate revenue does not influence calculator logic or editorial content.

How we pick partners

Every partner we list has been through an internal evaluation: founder-team review of the actual product (most partners we or someone in the Bedrocka portfolio has used in a live policy or coverage decision), a read of their public terms, and a sanity check of their pricing against competitors. We decline partnerships from products we wouldn't use ourselves or wouldn't recommend to a household or business owner we know — commission rate is never the tiebreaker.

Our affiliate cards are labeled “Editorial pick · Affiliate partner” and always carry the short-form disclosure inline with the card so you never have to infer that a recommendation is monetized.

Editorial independence

Calculator logic — the formulas, the coverage benchmarks, the classifications, the thresholds — is the same regardless of whether a partner would prefer a different output. If a partner ever asks us to tune a calculator to favor their product, we end the partnership, publicly. Editorial recommendations in our FAQs and articles are based on our own judgment and the underlying primary sources (ISO policy forms, NAIC data, LIMRA research), not on what generates the highest commission.

Current partner list

The following partners currently pay us a commission or referral fee. Each partner's payout structure and FTC-compliant disclosure is listed on the page where the affiliate link appears.

  • Fundera by NerdWallet — Apply once, get matched to SBA, term, and line-of-credit offers from 30+ lenders. (Category: business-loan; payout: $400–$2,000 CPA)
  • Lendio — Fast small-business loan marketplace — decisions in minutes, funding in days. (Category: business-loan; payout: $100–$500 CPL)
  • Bluevine — High-yield business checking with no monthly fees and unlimited transactions. (Category: business-checking; payout: $100–$250 CPA)
  • Mercury — Banking built for tech-forward startups and solo founders — API, cards, Treasury. (Category: business-checking; payout: $250+ CPA)
  • Relay — Cash-flow-focused business banking with Profit First-style sub-accounts. (Category: business-checking; payout: $200+ CPA)
  • Ramp — Corporate cards + spend management that automate expense savings for scaling teams. (Category: business-cards; payout: $500+ CPA)
  • QuickBooks Online — The industry-standard small-business accounting platform — what most bookkeepers use. (Category: accounting; payout: 10–30% recurring)
  • Found — Banking + bookkeeping + taxes in one app — purpose-built for self-employed operators. (Category: freelancer-banking; payout: $150+ CPA)
  • Novo — Simple, free business checking with modern integrations for small operators. (Category: business-checking; payout: $100+ CPA)
  • Wave — Free accounting and invoicing for solopreneurs who aren't ready for QuickBooks yet. (Category: accounting; payout: free product, referral only)
  • Bonsai — All-in-one ops suite for freelancers — contracts, proposals, invoices, and time tracking. (Category: freelancer-ops; payout: 20% recurring)
  • Northwest Registered Agent — Privacy-forward LLC formation + registered agent service — keeps your home address off public filings. (Category: legal-formation; payout: $30+ per signup)
  • EnergySage — Get 3–5 competing solar quotes in minutes — transparent pricing, no sales pressure. (Category: solar-marketplace; payout: $40–$80 CPL)
  • Palmetto — Managed solar installation with a 25-year performance guarantee and real-time monitoring. (Category: solar-installation; payout: $50–$100 CPL)
  • Sunrun — America's largest residential solar company — lease, PPA, and purchase options. (Category: solar-installation; payout: $50–$120 CPL)
  • GoodLeap — Solar loans from 2.99% APR — purpose-built financing that keeps the tax credit with the homeowner. (Category: solar-financing; payout: $30–$80 CPA)
  • Lemonade Pet Insurance — AI-powered pet insurance — instant quotes, same-day claims, starting under $25/mo. (Category: pet-insurance; payout: $20–$40 CPL)
  • Embrace Pet Insurance — Comprehensive pet insurance with diminishing deductible — the deductible drops $50/year you don't claim. (Category: pet-insurance; payout: $25–$50 CPL)
  • Healthy Paws Pet Insurance — Simple, no-frills pet insurance — one plan, unlimited lifetime benefits, fastest claims. (Category: pet-insurance; payout: $25–$50 CPL)
  • Chewy — America's #1 pet supplies retailer — Autoship saves 35% and ships free on $49+. (Category: pet-supplies; payout: 4–8% commission)
  • Earnest — Student loan refinancing from 4.96% APR — flexible payments, no hidden fees. (Category: student-loan-refinance; payout: $100–$200 CPA)
  • Credible (Student Loans) — Compare student loan refinance rates from 10+ lenders in 3 minutes — no credit impact. (Category: student-loan; payout: $50–$100 CPL)
  • College Ave Student Loans — Private student loans with flexible repayment — in-school, interest-only, or deferred. (Category: student-loan; payout: $80–$150 CPA)
  • Sallie Mae — The largest private student loan lender — covers up to 100% of school-certified costs. (Category: student-loan; payout: $100–$200 CPA)
  • Kiavi — DSCR rental-property loans for investors — qualify on the property's cash flow, not your W-2. (Category: dscr-loan; payout: $700 / funded DSCR loan)
  • DSCR Lender Marketplace — Compare DSCR loan offers from multiple investment-property lenders in one place. (Category: dscr-loan; payout: up to $300 CPL)
  • LendingTree — Investment-property loan marketplace — get matched with lenders and compare rates. (Category: dscr-loan; payout: $15–$70 / qualified lead)
  • Jasper — AI writing platform for marketing teams — on-brand long-form, ads, and campaign copy. (Category: ai-tools; payout: 30% recurring (12+ mo))
  • Writesonic — AI content + SEO writing tool — articles, landing pages, and product copy at volume. (Category: ai-tools; payout: 30% recurring)
  • Vercel — Build, preview, and ship AI apps — v0 generation plus the platform that hosts them. (Category: ai-tools; payout: 30% / 6 mo + $5 per lead)
  • Notion — Workspace with built-in AI — docs, notes, and Q&A over your own knowledge base. (Category: ai-tools; payout: 50% / 12 mo (180-day cookie))
  • beehiiv — Newsletter platform with growth + monetization built in — the owned-audience play. (Category: ai-tools; payout: up to 60% / 12 mo)
  • The Zebra — Compare auto insurance quotes from 200+ companies in 2 minutes — no spam calls. (Category: auto-insurance; payout: $15–$30 CPL)
  • EverQuote — Get matched with top-rated auto insurers — one form, real quotes. (Category: auto-insurance; payout: $15–$25 CPL)
  • Jerry — Jerry re-shops your car insurance every 6 months automatically. (Category: auto-insurance; payout: $20–$40 CPL)
  • TrueCar — See what others paid — buy or sell your car without negotiation games. (Category: auto-purchase; payout: $50–$150 CPA)
  • CarMax — Haggle-free car buying and selling — no-hassle 30-day money-back guarantee. (Category: auto-purchase; payout: $50–$100 CPA)
  • LightStream — Low-rate home improvement loans from 7.49% APR — funds in 24 hours, no appraisal. (Category: home-improvement-loan; payout: $200–$400 CPA)
  • RenoFi — Borrow against your home's after-renovation value — not current value. (Category: home-improvement-loan; payout: $100–$300 CPA)
  • Angi — Get matched with vetted local contractors — free quotes, no pressure. (Category: contractor-marketplace; payout: $5–$20 CPL)
  • The Home Depot — Everything you need for your renovation — online ordering, in-store pickup, contractor delivery. (Category: home-improvement-retail; payout: 1–8% commission)
  • Houzz Pro — Find design-focused contractors with portfolio verification — 3M+ project photos. (Category: contractor-marketplace; payout: $25–$75 CPA)
  • SelectQuote Life — Find the lowest life insurance rate — SelectQuote shops 20+ carriers in minutes. (Category: life-insurance; payout: $200–$500 CPA)
  • Policygenius Life Insurance — Compare life insurance quotes from top insurers — no-spam, unbiased advice. (Category: life-insurance; payout: $50–$400 CPA)
  • Haven Life — Instant-decision term life up to $3M — MassMutual backed, fully online. (Category: life-insurance; payout: $100–$300 CPA)
  • Trust & Will — Create a legally valid will, trust, or estate plan online — attorney-designed, $199. (Category: estate-planning-software; payout: $50–$100 CPA)
  • LegalZoom Estate Planning — Online wills, trusts, and estate documents — 4M+ customers since 2001. (Category: legal-docs; payout: $50–$150 CPA)
  • Nav — Find the best business financing for your credit profile — Nav matches you for free. (Category: alternative-lending; payout: $50–$200 CPA)
  • OnDeck — Fast small business loans — decisions in minutes, funding in as fast as 24 hours. (Category: alternative-lending; payout: $100–$250 CPA)
  • SBA.gov Grant Resources — Official SBA grant programs — SBIR, STTR, SBDC, and state-specific opportunities. (Category: grant-resources; payout: N/A — trust-building resource)
  • DigitalOcean — Simple cloud infrastructure for AI apps — GPU Droplets, managed databases, $200 credit. (Category: ai-compute; payout: $200 credit CPA)
  • Together AI — Run open-source LLMs cheaper than GPT-4 — Llama 3, Mixtral, DBRX from $0.0002/1K tokens. (Category: ai-compute; payout: $25–$50 CPA + usage)
  • Replicate — Run AI models with one line of code — pay only for what you use. (Category: ai-developer-tools; payout: Revenue share)
  • AWS Bedrock — Access Claude, Llama, Titan, and more on AWS infrastructure — SOC 2, HIPAA ready. (Category: ai-compute; payout: AWS credits program)
  • JetBrains — The best IDEs for every language — IntelliJ IDEA, WebStorm, PyCharm, DataGrip. (Category: developer-ide; payout: 25–30% recurring commission)
  • Cloudflare — Make websites faster and safer — CDN, DDoS protection, Workers, and Pages. (Category: cloud-hosting; payout: Variable CPA)
  • Sentry — Error monitoring that finds bugs before your users do — free for small projects. (Category: developer-ide; payout: $50–$100 CPA)
  • Datadog — Full-stack observability — logs, metrics, traces, and APM in one platform. (Category: cloud-hosting; payout: $100–$200 CPA)
  • LendingTree Mortgage — Compare mortgage rates from 300+ lenders in minutes — free with no obligation. (Category: real-estate-loan; payout: $50–$200 CPL)
  • Rocket Mortgage — #1 mortgage lender in the US — get pre-approved in 8 minutes. (Category: real-estate-loan; payout: $100–$300 CPA)
  • Roofstock — Buy cash-flowing rental properties online — vetted, certified, with tenant in place. (Category: real-estate-marketplace; payout: $100–$500 CPA)
  • Fundrise — Invest in real estate for $10 — diversified eREIT portfolios without being a landlord. (Category: real-estate-marketplace; payout: $50–$150 CPA)
  • Policygenius Home Insurance — Compare homeowners insurance rates from 12+ insurers — free quotes in minutes. (Category: insurance-home; payout: $30–$150 CPA)
  • Policygenius Auto Insurance — Compare auto insurance from top carriers in one place. (Category: insurance-auto; payout: $20–$80 CPA)
  • Oscar Health — Health insurance with $0 virtual care and concierge teams — no hold music. (Category: insurance-health; payout: $100–$300 CPA)
  • LegalZoom LLC Formation — Form your LLC or corporation in minutes — 4M+ businesses formed since 2001. (Category: legal-formation; payout: $50–$150 CPA)
  • Rocket Lawyer — Legal documents, attorney advice, and business filings — 40M+ users. (Category: legal-marketplace; payout: $25–$75 CPA)
  • Upwork Legal — Find a freelance attorney for contract review, IP, or business matters. (Category: legal-marketplace; payout: 5-10% of contract value)

Revenue transparency

The two revenue streams for this site are display advertising (Google AdSense, Mediavine when eligible) and the affiliate partnerships listed above. Together they fund the development of new calculators, the quarterly source reviews, and the ongoing maintenance of the site. We do not accept sponsored posts, sponsored calculator placements, or paid-for editorial content. If that ever changes, we will add a visible disclosure on the specific page and update this policy.

Questions

Questions about a specific partnership or our editorial process: info@bedrockatools.com.