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

  <!-- Production-approved pages only. Medicare pages intentionally excluded (TPMO-blocked). -->
  <!-- Activate by setting site.staging to false in src/_data/site.json. -->

  <url><loc>https://whitestoneinsurancellc.com/</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/about/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/contact/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/careers/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/get-a-quote/</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/privacy-policy/</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/disclosures/</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Insurance hub and coverage pages -->
  <url><loc>https://whitestoneinsurancellc.com/insurance/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/auto/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/homeowners/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/renters/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/landlord/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/business/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/workers-compensation/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/health/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/life/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/life/term-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/life/whole-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/life/indexed-universal-life/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/life/final-expense/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/life/business-life-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/annuities/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/disability-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/long-term-care/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/social-security-planning/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/dental-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/insurance/pet-insurance/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- Trucking pages -->
  <url><loc>https://whitestoneinsurancellc.com/trucking-insurance/</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/trucking/commercial-auto/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/trucking/cargo-insurance/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/trucking/physical-damage/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/trucking/bobtail-insurance/</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/trucking/dot-mc-setup/</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://whitestoneinsurancellc.com/trucking/get-a-quote/</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Excluded (TPMO-blocked, staging-only):
       /medicare/
       /medicare/advantage/
       /medicare/supplement/
       /medicare/part-d/
  -->

</urlset>
