The terms that apply to browsing this site, opening an account and requesting home insurance quotes. Last updated July 2026.
Browsing this site, submitting a form or opening an account means these terms apply in full. Anyone who does not accept them should stop using the site and its forms. Use is limited to adults aged 18 or older who reside in the United States.
Where a separate policy document is issued by an insurance carrier, that document governs the coverage itself. These terms govern the use of this website and the services offered through it.
This site provides home insurance information, quote preparation and support with policy questions and claims. It does not provide legal, tax or financial advice, and nothing published here should be treated as a substitute for professional guidance in those areas.
Availability of specific coverage depends on the property, its location and the carriers willing to write the risk. A quote is an offer of terms, not a guarantee that a policy will be issued.
Details submitted through a signup or quote form must be accurate and complete. Rebuild figures, contents limits and premiums are calculated from what is supplied, so an incorrect entry can produce a quote that will not hold at the time of a claim.
Figures shown during a quote reflect the information available at that moment and the rates filed by the carrier at that time. Rates, limits and eligibility can change before a policy is bound, and a formal inspection or underwriting review may adjust the final terms.
Descriptions of coverage on this site are written in plain language for clarity. Where a description and the issued policy wording differ, the policy wording controls.
The site and its forms are provided for genuine home insurance enquiries. The following activities are not permitted.
Where consent is given during signup, text messages may be sent covering quote confirmations, coverage updates, policy reminders, follow ups and promotional home protection offers. Consent for marketing messages is never a condition of purchase.
Replying STOP ends further messages to that number and replying HELP returns support information. Standard message and data rates may apply, and frequency may vary. Full detail on message handling sits in the Privacy Policy.
Some pages may point to carrier portals, payment processors or other outside resources. Those destinations run under their own terms and privacy practices, and their content is outside the control of this site.
Visiting a linked destination is done at the discretion of the visitor, and reviewing the terms published there before submitting anything is recommended.
The layout, written content, graphics and brand marks on this site are protected property and may not be reproduced, distributed or adapted without written permission. Short quotations with clear attribution and a working link back are the only exception.
This site is provided on an as available basis. Reasonable effort goes into keeping published information current and correct, but no promise is made that every page will be free of error or that the site will run without interruption.
Coverage decisions, claim outcomes and premium amounts rest with the insurance carrier issuing the policy and are governed by the terms of that policy.
To the fullest extent permitted by law, liability is excluded for indirect, incidental or consequential loss arising from use of this site, including lost profits, lost data or loss caused by an interruption in service.
Nothing in these terms limits any right that cannot be limited under applicable law, and nothing here alters the obligations set out in an issued insurance policy.
These terms may be revised as services change or as a legal requirement makes an update necessary. The revised version takes effect on the date shown at the top of this page, and continued use of the site after that date signals acceptance of the current version.
Questions about these terms can be sent using any of the details below.
