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  <!-- Main Navigation Pages -->
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  <!-- Category Pages -->
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    <loc>https://trustinsura.lovable.app/category/life-insurance</loc>
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  <!-- Life Insurance Articles -->
  <url>
    <loc>https://trustinsura.lovable.app/article/term-vs-whole-life-insurance</loc>
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  <url>
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  <url>
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  <!-- Health Insurance Articles -->
  <url>
    <loc>https://trustinsura.lovable.app/article/understanding-health-insurance-beginners-guide</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://trustinsura.lovable.app/article/hmo-vs-ppo-vs-epo</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://trustinsura.lovable.app/article/health-insurance-costs-by-state-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/open-enrollment-health-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/short-term-health-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Auto Insurance Articles -->
  <url>
    <loc>https://trustinsura.lovable.app/article/car-insurance-101-coverage-types</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/how-driving-record-affects-insurance-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/teen-driver-insurance</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://trustinsura.lovable.app/article/comprehensive-vs-collision</loc>
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  <!-- Home Insurance Articles -->
  <url>
    <loc>https://trustinsura.lovable.app/article/homeowners-insurance-explained</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://trustinsura.lovable.app/article/how-to-file-home-insurance-claim</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/flood-insurance-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Business Insurance Articles -->
  <url>
    <loc>https://trustinsura.lovable.app/article/small-business-insurance-essential-policies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/general-vs-professional-liability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/workers-compensation-insurance</loc>
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  <url>
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    <priority>0.7</priority>
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  <!-- Legal Protection & Claims Articles -->
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    <loc>https://trustinsura.lovable.app/article/legal-protection-insurance</loc>
    <changefreq>monthly</changefreq>
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    <loc>https://trustinsura.lovable.app/article/dispute-insurance-claim-denial</loc>
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    <priority>0.7</priority>
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  <!-- Insurance Basics Articles -->
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    <loc>https://trustinsura.lovable.app/article/understanding-policy-terms</loc>
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  <!-- Trust & Legal Pages -->
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    <loc>https://trustinsura.lovable.app/about</loc>
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  <!-- Author Pages -->
  <url>
    <loc>https://trustinsura.lovable.app/author/sarah-mitchell</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
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    <loc>https://trustinsura.lovable.app/author/amanda-torres</loc>
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  <!-- New Articles – Batch 7 (February 2025) -->
  <url>
    <loc>https://trustinsura.lovable.app/article/how-to-negotiate-insurance-settlement</loc>
    <lastmod>2025-02-17</lastmod>
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  <url>
    <loc>https://trustinsura.lovable.app/article/employment-disputes-legal-insurance</loc>
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  <url>
    <loc>https://trustinsura.lovable.app/article/insurance-deductibles-explained</loc>
    <lastmod>2025-02-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- New Articles – Batch 8 (February 2025) -->
  <url>
    <loc>https://trustinsura.lovable.app/article/insurance-claim-fraud-investigation</loc>
    <lastmod>2025-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://trustinsura.lovable.app/article/tenant-rights-legal-insurance</loc>
    <lastmod>2025-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://trustinsura.lovable.app/article/insurance-coverage-gaps</loc>
    <lastmod>2025-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- New Articles – Batch 9 (February 2025) -->
  <url>
    <loc>https://trustinsura.lovable.app/article/storm-wind-damage-claims-guide</loc>
    <lastmod>2025-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://trustinsura.lovable.app/article/divorce-legal-insurance-coverage</loc>
    <lastmod>2025-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://trustinsura.lovable.app/article/errors-omissions-insurance-professionals</loc>
    <lastmod>2025-02-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- New Articles – Batch 10 (February 2025) -->
  <url>
    <loc>https://trustinsura.lovable.app/article/driving-record-insurance-rates</loc>
    <lastmod>2025-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/how-to-file-home-insurance-claim</loc>
    <lastmod>2025-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://trustinsura.lovable.app/article/small-business-legal-insurance-guide</loc>
    <lastmod>2025-02-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- New Articles – Batch 11 (February 2025) -->
  <url>
    <loc>https://trustinsura.lovable.app/article/renters-insurance-complete-guide</loc>
    <lastmod>2025-02-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://trustinsura.lovable.app/article/lower-homeowners-insurance-premium</loc>
    <lastmod>2025-02-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://trustinsura.lovable.app/article/how-to-complain-insurance-company</loc>
    <lastmod>2025-02-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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