Home to the second biggest barrier reef in the world, beaches, and sparkling turquoise sea, as well as a whole host of Mayan ruins, amazing coffee, and the second largest rainforest in the Americas, Honduras is extremely biodiverse: there are 770 bird species alone.
But Honduras is far from Eden. Violence has long ruled here. This Central American country actually has one of the highest murder rates in the world. Drug trafficking gangs, corruption, and extreme poverty keep Honduras down.
Naturally, you’re going to be wondering, “Is Honduras safe?” That is why we have created this insider’s guide looking at the safety of travelers in Honduras. We are all about smart travel and we’re here to help you travel smart too.
We are going to be covering a whole lot of topics in this epic Honduras safety guide. We’ll be answering super important questions including “How safe is Honduras right now?” and “Is it safe to live in Honduras?” We also give loads of tips for solo travelers and families.
For your trip to Honduras, our handy guide has you covered.
Table of Contents
- How Safe is Honduras? (Our take)
- Is Honduras Safe to Visit? (The facts.)
- Is it Safe to Visit Honduras Right Now?
- Honduras Travel Insurance
- 20 Top Safety Tips for Traveling to Honduras
- Keeping your money safe in Honduras
- Is Honduras safe to travel alone?
- Is Honduras safe for solo female travelers?
- Is Honduras safe to travel for families?
- Is it safe to drive in Honduras?
- Is Uber safe in Honduras?
- Are taxis safe in Honduras?
- Is public transportation in Honduras safe?
- Is the food in Honduras safe?
- Can you drink the water in Honduras?
- Is Honduras safe to live?
- How is healthcare in Honduras?
- Final thoughts on the safety of Honduras
How Safe is Honduras? (Our take)
Biodiversity is a huge part of Honduras. There’s more nature here than you can shake a stick at. Couple that with 470 miles of (mainly) Caribbean coastline, a load of beaches and tropical islands, as well as Mayan ruins and you got yourself a destination.
It might sound like paradise… But it isn’t.
Honduras isn’t exactly what we’d call safe.
This Central American country suffers from what many countries in the region have suffered from or are currently battling with – namely corruption, gangs, and drugs. With those come violence and poverty.
However, whilst it’s quite dangerous, the government is promoting tourism in Honduras. And people do go.
Is Honduras Safe to Visit? (The facts.)
Well… Honduras IS safe to visit, sort of.
More than 2 million tourists visited in 2017. A large chunk of those arrived via cruise ships, however. That’s mainly to visit islands like Roatan.
The government of Honduras is committed to attracting more tourists. By 2020 they want an additional million tourists annually.
Chances are, if you are arriving via a cruise ship, you will be safe. Traveling around the country is a more complicated matter.
Honduras is one of the murder capitals of the world. The rate of young people killing other young people is down to two main gangs: Mara Salvatrucha (MS-13) and Barrio 18. They practice “war taxing”, which is essentially just demanding money from people. This helps keep everyone in poverty.
Most people in Honduras have a family member in a gang.
So, yeah. We’re not going to lie – it’s pretty sketchy.
Is it Safe to Visit Honduras Right Now?
Honduras is not exactly safe, but it’s getting safer.
For example, the Bay Islands are safer than the mainland. Many people do travel to this particular part of Honduras, even with their families.
But as for Honduras as a whole, right now it’s as safe as it ever was: not very.
There have been protests due to contested election results in late 2017. In these demonstrations, more than 1,500 were arrested and 30 people were killed.
That said, the government claims there has been a 52% decrease in violent crime over the past five years. In fact, according to InSight Crime there has definitely been around a 26% drop in crime since 2016. This is due to negotiations between criminal groups and the government, and possibly because of economic aid from the US.
So whilst it’s getting safer, it’s a slow process. We’d say only experienced, intrepid travelers should tackle this one alone. Anyone else would do well with a trusted tour group.
Get insurance! Even if you are only going on a short trip, you should always travel with insurance. Have fun while visiting Honduras but take it from someone who has racked up thousands of bucks on an insurance claim before, you need it.
As a wise man once said, if you can’t afford travel insurance, you shouldn’t be traveling – so be sure to get your backpacker insurance sorted before you head off on an adventure! We highly recommend World Nomads.
To find out why we recommend World Nomads, check out our World Nomads Insurance review.
If you want to shop around a little, then read up on competing companies and what they can offer. There are lots of insurances out there, so don’t feel limited.
Gang violence is a big issue in Honduras. These drug trafficking gangs rule people’s lives. Lucky for you, you’re not a Honduras citizen. So you’ll likely escape having to pay “war tax” (or facing the consequences). The poverty resulting from all this is what you’ll have to watch out. Namely, being robbed. There are some safety points that travelers should know for anywhere they travel, but Honduras requires these special considerations.
- Don’t carry your valuables (or all your cash) around with you – why risk getting them stolen? You can keep extra bank notes and passport copies in a money belt for emergencies.
- On that note, don’t even LOOK wealthy – designer clothes, jewelry, SLR round your neck = advert for thieves.
- Protests can happen out of the blue – careful of large crowds. Don’t get involved.
- Protect yourself against mosquitoes – these nasty critters carry malaria, zika virus, and dengue fever. Cover up, use repellent, burn coils.
- Hand over the goods – if someone does try robbing you, let them. Seriously. People die resisting robbery.
- Carry a dummy wallet – a throwdown, fake wallet, whatever. It should have just a little cash in it to hand over in the event of a mugging.
- Take care of beaches after dark – especially in Tela and the North Coast. Attacks on tourists have been reported.
- Be vigilant in busy places – tourist spots, airports, bus stations, cities in general. This is pickpockets’ paradise.
- Be aware that there are high levels of HIV and AIDS in Honduras – it’s important to keep that in mind.
- Use ATMs only in shopping centers, hotels, inside banks – only these areas.
- And don’t use ATMs at night – there have been attacks on people.
- Or get too much out at once – again, why risk it? Small amounts only.
- Keep valuables locked in a safe – room robberies can happen. You don’t want to lose your passport.
- It’s best not to travel around after dark – it’s more risky.
- Be careful in border areas – El Salvador, Guatemala, and Nicaragua. The border with Nicaragua is also littered with unmarked minefields.
- DON’T DO DRUGS – they’re illegal and you could end up in a “rehabilitation center”. Plus, why contribute to the gangs? Why?
- Watch out in San Pedro Sula and Tegucigalpa – this is where the two main gangs operate. In the day, it’s generally ok, but at night you should just take a taxi.
- Nature is dangerous here, too – venomous snakes, crocodiles, poisonous spiders. Watch your step, basically.
- Hurricanes can and do occur from June to November – if caught one, you’ll want to be staying in a STABLE building.
- Make sure you’re up to date with your vaccines – check with your doctor and see what you’ll need for Honduras.
It’s not 100% safe in Honduras. Not really. But traveling there is possible, of course. And if you’re visiting as part of a tour, then you’re likely to stay safe. Independent travel is going to require A LOT of being careful. Travel smart and make sure your safety and security is your number one priority. Travelling Honduras is no picnic, that’s for sure, but it’s definitely doable. Keep our tips in mind and stay safe!
Keeping your money safe in Honduras
Everywhere in the world, your money can get stolen. Any number of ways. And in Honduras, petty crime is definitely something you’ll have to look out for. Even straight-up armed robbery can happen to tourists here.
That’s right. And there is a whole world of choice out there. All sorts of money belts, all shapes and sizes. However, we here at The Broke Backpacker highly recommend the Active Roots Security Belt.
For three reasons. It’s a sturdy bit of kit that won’t break the bank. Plus it doesn’t look suspicious: it just looks like an actual belt.
So if you’re caught in a crowd and a pickpocket tries it on, there will be nothing to steal. Unless you’ve got a dummy wallet. In which case, that’s gone. Your main stash remains unscathed. Same goes for a robbery. However scary it is, you’ll still walk away with a little bit of money to fall back on in your money belt. And since it doesn’t look obvious, it won’t be targeted. Either way, a money belt WORKS.
If you need a little more room for your passport and other travel valuables, have a look at a full-size money belt that tucks under your clothes instead.
If neither of those options appeals to your refined fashion sense, don’t compromise! Opt for an infinity scarf with a hidden zipper pocket.
Seeing the world without anyone to answer to, getting to challenge yourself and grow as a person. There are definitely a fair few pros to solo travel. At the same time, traveling alone can be stressful, boring, lonely, and dangerous in varying quantities.
And we’re not going to lie, Honduras doesn’t exactly lend itself to solo travel. This is essentially an unsafe country. You’ll need to be a confident traveler. This isn’t one for first-time backpackers. But if you’re thinking about it, here are some tips.
- Traveling alone to remote areas can be sketchy. As in, dangerous. You either take extreme care if traveling or make some travel buddies to go with.
- Make sure to stay at well-reviewed, trusted accommodation. You can see from reviews if the staff somewhere consists of dodgy people. Read reviews, find somewhere that’s right for you, and book yourself a room or a bed. You’ll get to meet fellow travelers at the best places.
- Don’t go off grid. Make sure you keep in touch with people. Post a few Facebook updates. Send some messages. Facetime your parents. Just make sure that people know where you are.
- Don’t hitchhike or take lifts from strangers – especially if you’re by yourself. People traveling alone are definitely going to be more of a target than a group of people.
- When you’re walking around, look confident. The more lost you look, the more of an easy target you’re going to be. Try to memorize a map of the area because you definitely don’t want to be getting your phone out all the time, either.
- Stay aware at all times. This isn’t the sort of country where it’s just a couple of problem areas and that’s it. A lot of Honduras is risky. Don’t let your guard down, stay vigilant, and use your common sense.
- That said, it’ll be cities where most crime occurs. Therefore these are the places that carry the most risk. Be on high alert in urban areas.
- When it comes to transport, leave plenty of time to get to your destination. Traveling after dark, either on foot, on a bus, or in a car, can be dangerous. Make sure you arrive before night falls. It sounds ominous, we know, and it really is. It’s better to be safe than sorry.
- Ask locals about what areas they think are safe. Or simply get recommendations for things to eat, drink, see or do. It’s a good way to get to chat to locals, but also just a good way to see things that maybe other tourists won’t be asking for.
- With that in mind, use those Spanish skills. Learn a few words and phrases. It will open up the country for you, both in terms of talking to people and simply getting around.
Hondurans are warm and welcoming people who have to live day in, day out with the violence in their country. Chatting to them means getting first-hand knowledge, and means your experience is going to be a lot richer. Honduras isn’t the easiest country to travel around. Traveling here is definitely adventurous, but that doesn’t mean it’s off-limits for solo travelers. People do it. You can too.
Is Honduras safe for solo female travelers?
Honduras may have one of the highest murder rates in the world, and as a solo female traveler, that doesn’t sound very inviting as a destination. We get it. We’re not going to say it’s the safest place to travel, nor is it going to be the easiest place to travel as a solo female.
But the thing is women DO travel alone to Honduras. It can be a super enriching experience. With all the threats of violence, there’s a low number of tourists, so oddly you can really have an authentic experience here while getting to know Honduran women, too.
It can be safe as a solo female traveler in Honduras. Of course, being a woman anywhere is going to come additional risk. You know this already. So keep that in mind – and have a read of our safety tips for solo female travelers thinking of taking a trip to Honduras.
- If you’re the sort of person who prefers to be around people to chat with, head to the Bay Islands. This is the safest area of Honduras and this is also the place where you are going to find a lot of other travelers. It’s perfect for sharing travel stories, trips and maybe even making a travel buddy or two.
- Other ways to meet fellow travelers – and feel safer – involve joining a tour. They can even help take you across other Central American countries on your travels, too.
- If not, plan everything in advance. Leave fewer things to chance and risk. This will definitely help not just your peace of mind but will help you FEEL and BE safer.
- Check in and let people know your plans. Whether that’s with friends and family back home, or with accommodation staff, or both. Let people know where you are. Somebody knowing where you are is much better for your safety than nobody knowing where you are.
- Honduras has a macho society. Be aware of how women are perceived, and their role in the male-dominated world of this country. This doesn’t necessarily mean that women are more threatened, just that you might have to be a bit more aware and assertive.
- It’s not a good idea to go out to bars and clubs by yourself. You’ll get the wrong attention. Go with a male friend or go out with a group of people.
- Dress modestly and cover up to avoid unwanted attention. Anything that shows too much is going to attract too much attention probably. It’s best to be as incognito as possible. Blend in.
- Catcalling definitely happens in Honduras. Don’t make a big deal about it. It will probably cause more stress than you’ll want. The best course of action is just to ignore it and walk on, but involve someone else if the harassment continues.
- Be aware that Honduran women are oppressed by the government. Abortion is completely illegal (having been recently re-criminalized). There’s very little in terms of gender equality. The opposite in fact. So there are locally run, female-led organizations where you can get in touch with ladies to learn more or get involved. They’re basically leading the conversation when it comes to things like femicide. There are three groups: Las Hormigas, CODEMUH, and Visitación Padilla. Do some research and get in contact if you feel inclined.
Honduras may sound scary, but if you take into account the advice of locals, plan ahead, and use your common sense, Honduras will open up to you as a solo female traveler. Honduran women face daily struggles. Sexual violence and oppression are frequent tragedies here.
But if you meet the local ladies and learn about their lives you’re going to have a VERY enriching experience on your hands. There’s a lot to learn about Honduras that goes beyond gangs and beaches. It’s a country with a big heart. And Honduras can be a safe place for solo female travelers, but we’d only recommend it after some solo travel experience.
Is Honduras safe to travel for families?
In certain areas, yes – Honduras is safe to travel for families.
Take the Bay Islands, for example. You’ll be able to travel around here with relative ease. Especially through a tour company.
And this area is great for children. Your little ones get to see the Mesoamerican Reef, the second largest barrier reef in the world. And that is pretty cool.
La Ceiba on the northern coast, with mountains, jungles, and beaches, is a chilled and adventurous area to explore. Plus there’s Copan: the ancient Mayan archaeological site, complete with amazing sculptures. This is a pretty safe area to visit.
Honduras, in general, is open and welcoming to children.
But as we’ve already spoken about, a lot of Honduras isn’t 100% safe. And don’t expect any luxuries outside of resorts.
We don’t want to recommend traveling to the rest of Honduras with your family. Of course, you can book a local tour that can look after your safety during your trip, but make sure your research leaves you feeling absolutely confident in the reliability of the tour you choose.
However in the barrier islands – with children in tow – you’ll be more worried about natural nuisances. Sandflies and mosquitos and the general dangers of swimming around coral. Coral is sharp, some is poisonous, and it makes for great hidey holes for dangerous marine creatures.
You’ll also have to take care that your children don’t stay in the sun for too long. It can get SUPER hot in Honduras. That means suncream, sun-hats, and limiting time in the sun.
Most crime in Honduras is actually gang-related. So, especially as a family, you most likely won’t be targeted. We’d rather you go to the resorts and sights on the islands though.
Is it safe to drive in Honduras?
Nope. Not really. It’s not very safe to drive in Honduras.
Locals drive at crazy speeds on the highways, there are random toll roads that make the cost high (but if you don’t take them, alternative routes are often not paved), and there are animals on the road. We’d classify it as generally hazardous.
If you’re not on a highway you’ll probably need a 4×4. It’s pretty extreme. And watch out for bad road conditions after heavy rain.
You should ask locals on the best routes to take to any given place. Sat Navs might not always tell you the best route.
And there are roads that have higher levels of attacks, including carjacking. From Limones to La Union, from Gualaco to San Esteban, and from La Esperanza to Gracias… These routes can be dangerous. All of these are in Santa Barbara Department, which also sees hijackings around Tela, La Ceiba, and El Progreso as well as Trujillo.
Don’t drive after dark. Please.
Make sure your doors stay locked and your windows closed.
Between big tourist destinations you’ll be much safer driving around.
And if you happen to be driving a scooter around the Bay Islands, just be aware that you’ll be less safe down side roads.
Basically, the general rule of thumb here is to exercise caution and be prepared for a pretty bumpy ride.
Honestly? It’s just better to have a local driver drive you around. Don’t put yourself through that stress.
Is Uber safe in Honduras?
There is NO Uber in Honduras.
But Uber hasn’t ruled out entering the country.
So maybe, in the future. We’ll see.
For now, there are 15,000 taxis who want your attention. So…
Are taxis safe in Honduras?
Taxis are all over the place in Honduras.
And they’re… generally safe.
Radio taxis are always a better option than hailing one off the street. Get your accommodation to either recommend a good company or just book one for you.
If you do get one in the street, ensure that you tell the taxi driver that you don’t want to share the taxi. This is when things can get sketchy. Just in case, that’s “No quiero compartir el taxi.”
You will have to agree on a price before you get in.
And taxi drivers probably won’t have enough change to cover a big bill, so carry small denominations.
At nighttime, you should really get a taxi. There are taxi ranks in a lot of locations.
And there are even tuk-tuks in smaller towns and villages. These are about as safe as tuk-tuks usually are. They’re cheaper than taxis but obviously you’re open to the elements.
In conclusion, taxis are safe in Honduras. Safe-ish, anyway.
Is public transportation in Honduras safe?
Well… Public transportation can be a little tricky in Honduras, and it’s not always safe.
You should definitely be aware of the risks of using certain bus companies. Doing your research is SERIOUSLY going to pay off.
The public buses consist of the good old chicken bus. They’re old U.S. school buses that are poorly maintained, and overcrowded. Certain routes that these take have been the target of armed attacks.
On top of that, they’re often driven badly and there have been reports of muggings and sexual assaults on these buses.
But travelers DO take these buses. They’re fairly easy to use, but be aware of the risks.
City buses travel around the cities and towns themselves. They are “taxed” by gangs. Sometimes the drivers are assaulted.
There are private coach services that connect cities and towns that are usually more maintained and more comfortable than the chicken buses.
These are pretty safe. They’re run by private companies, obviously, and are more expensive than public buses. You basically pay for safety, but better safe than sorry we’d say.
There are also passenger ferries if you want to go to the Bay Islands. You can catch a ferry from the mainland at La Ceiba to either Utila or Roatan. A ferry also runs between Trujillo and Guanaja.
Basically, public transportation in Honduras is sometimes safe. But sometimes it’s not safe. Be careful and do your research.
Is the food in Honduras safe?
The food in Honduras is super tasty. On the Caribbean coast, there are plenty of delicious dishes to sample, with tortillas and things like refried beans served up with every meal. One example: tajadas (fried plantains, topped with cabbage and served with ground beef).
It’s a mix of European, indigenous and Caribbean influence, and you’ll love it. Unfortunately, locals often think all gringos want to eat burgers and chips, but that’s not Honduras at all. So here’s how to not get ill whilst trying local delights.
- Using some Spanish will get you pretty far. Just order something at any restaurant using the words plato típico – this just means refried beans, rice, a bit of cheese, plantains and some tortillas. Simple and tasty.
- Ask locals where’s good to eat. Where you can go to get some REAL local food. Someone is bound to know somewhere that’s amazing.
- If you’ve got no locals to ask, just use your eyes. Look and see where locals are eating. If a restaurant or eatery of any sort looks busy, that’s probably because it’s good, both in terms of taste and not making you ill. Unpopular places tend to be unpopular for a reason.
- Don’t eat at tourist traps. You’ll most likely get watered down versions of Honduran food and Western stuff. Chances are it wasn’t cooked with too much care. Most tourist-oriented places are usually only after money. Hygiene won’t be high on the list so if you DO really want a burger, just make sure where you’re eating looks decent enough.
- There’s a lot of fresh fish in places like Tela and Roatan, and you should definitely try it. Ask what’s been caught that morning. Basically, you’ll want fresh fish. There are things like ceviche, which is raw fish, so you just need to make sure that this really IS fresh and that where you’re eating it can be trusted in terms of hygiene.
- Steer clear of anything that you can’t peel yourself. You don’t know how clean the person’s hands are who’s been peeling and chopping the fruit. So do it yourself. You can get LOADS of fresh fruit at the markets – just make sure you WASH it before you eat it.
- Don’t go TOO in on the food when you first arrive, especially if you get ill from food quite easily. The flavors, spices and portion sizes here might slap you down on the toilet for the first few days of your trip. So… Take it easy! At least at first.
- And last – but definitely not least – is the old classic: WASH YOUR HANDS. It’s simple. You don’t know how grubby your hands are getting before you eat your lunch or dinner so just wash them. Save yourself from yourself.
- Traveling with an allergy? Research ahead of time how to explain your allergy. Keep in mind that store owners and restaurant staff might not know all the foods that contain allergens, so it’s helpful to know the names of some of these too. If you’re gluten-free, pick up a handy Gluten-Free Translation Card with descriptions of Celiac disease, cross-contamination risk, and local Honduran ingredients in Latin American Spanish.
Honduran cuisine has a lot to offer the hungry traveler. That’s for sure. Even the desayuno típico (regular breakfast) is quite literally a feast.
Honduras isn’t different from lots of other great backpacking countries in that you’re never absolutely safe from food-borne illness. Use these tips to reduce the risk, but we also recommend that you pack some medication fit for a bad stomach.
Can you drink the water in Honduras?
It is honestly NOT safe to drink the water in Honduras.
Lots of travelers stick to bottled water, but please don’t. There’s a huge problem with single-use plastics in the Earth’s water and you don’t have any assurance whatsoever that your bottles will be properly disposed of, even if you’re careful to sort them in the proper bin.
We travel with a filter bottle, the GRAYL GEOPRESS or we just boil the water for a few minutes and store in a refillable water bottle. It’s better for the environment and ends up being more economical in the long run.
So no. Don’t drink the water without treating, and steer clear of ice cubes, too.
Is Honduras safe to live?
Honduras has been through a lot in recent years.
The 1998 Hurricane Mitch was said by a former president of Honduras to have reversed about 50 years of progress. That just shows you how badly the weather can affect life in this country.
In addition to that, the 2009 coup upset the former relatively stable democratic republic and led to political chaos. Now there are many issues that Honduras faces in terms of both safety and security, making it basically not very safe for many people who live there.
Many Hondurans don’t have access to clean water and medical care. Over 60% of the population live below the poverty line.
Gangs play a big part of life here. There are an estimated 115,000 gang members. Everyone from children to adults are recruited.
Not only that, but the corruption in everything the low to the high levels of the politics here is standard. Politicians are manipulated by criminals or other politicians. It’s a massive issue.
All that in mind, there are places that expats do live in Honduras.
There is an expat community in Trujillo. This coastal city is more welcoming to gringos than other places and features beaches fringed by coral reefs and there’s a lot of new development happening here.
There’s also La Ceiba. This has a pretty good expat community too. It’s also a nice place since the ferry to Utila runs from here, making it easy to escape to the tropical paradise of the Bay Islands whenever you feel like it.
People live here with children, by themselves, as couples, some retire here, and some people have even started up their own hostels or other businesses.
Whilst many people DO live here, it doesn’t mean Honduras is safe to live. Living in Honduras means you’ll have to adjust your life to the way of life here. That means getting used to gangs, violence, and corruption.
It’s been up and down, but it IS getting better. Honduras is on its way.
How is healthcare in Honduras?
Healthcare in Honduras is not the best.
We’re going to be honest, the government-funded hospitals are just… Not good.
They’re poorly funded, ill-equipped, understaffed, and not the best in terms of hygiene either.
People in rural areas usually have to travel to Tegucigalpa in order to get treatment.
There are however private healthcare clinics and not-for-profits who operate outside of the public facilities. And if you really need treatment for something, definitely go private. These are far better equipped. They also often have staff who have trained in the U.S.
And if you find yourself injured or ill in the Bay Islands, there’s no real adequate medical facilities in the region. It’s much more of a mission to get medical treatment.
Pharmacies in the big cities are stocked with basic medication like painkillers and are cheap.
But like we said, if you’re somewhere rural, access to healthcare is extremely limited.
And we’ll say it again: The healthcare in Honduras isn’t great.
Final thoughts on the safety of Honduras
It may not exactly be classed as safe, but Honduras shouldn’t be ignored. People here live in pretty supreme poverty – 60% of the population living in poverty really is a lot of people.
It pays to travel smart in Honduras – like ANYWHERE in the world. And when it comes to the extreme violence of Honduras, those very high figures come from gang violence. Gangs attacking other gangs. Or gangs attacking Honduran citizens for not paying “war tax”. The likelihood of you getting caught up in all that relies very much on you being somehow related to one of the gangs.
But you won’t be (in a Honduran gang, that is). There’s no reason to get mixed up with a gang in Honduras. Simple as that. Keeping yourself away from any situation to do with them will be a good way to keep yourself pretty much safe. So when it comes to safety in Honduras, we think you’ll generally be fine, especially in the Bay Islands. Honduran people are friendly and welcoming.
Travel with our tips in mind and travel insurance to cover anything that might go wrong during your trip.
Disclaimer: Safety conditions change all over the world on a daily basis. We do our best to advise but this info may already be out of date. Do your own research. Enjoy your travels! Some of the links in this post are affiliate links which means we earn a small commission if you purchase your insurance through this page. This costs you nothing extra and helps us keep the site going.
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