<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage -->
  <url>
    <loc>https://coverloom.com/</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core pages -->
  <url>
    <loc>https://coverloom.com/privacy-policy/</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://coverloom.com/terms/</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://coverloom.com/about/</loc>
    <lastmod>2026-03-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!--
  ============================================
  ADD CITY PAGES AS YOU BUILD THEM
  Copy this template for each new city page:

  <url>
    <loc>https://coverloom.com/states/tennessee/nashville/</loc>
    <lastmod>2026-04-XX</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  ============================================
  -->

  <!-- Tennessee city pages (Phase 1) -->
  <!--
  <url>
    <loc>https://coverloom.com/states/tennessee/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://coverloom.com/states/tennessee/nashville/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://coverloom.com/states/tennessee/johnson-city/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://coverloom.com/states/tennessee/knoxville/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://coverloom.com/states/tennessee/memphis/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://coverloom.com/states/tennessee/chattanooga/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  -->

  <!-- Guide pages (Phase 1) -->
  <!--
  <url>
    <loc>https://coverloom.com/guides/how-much-life-insurance/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://coverloom.com/guides/term-vs-whole-life/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://coverloom.com/guides/no-exam-life-insurance/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  -->

</urlset>
