The terms and conditions that govern your use of the [Local Agency Name] website and your request for a homeowners insurance coverage review.
Last updated: [DATE]
These Terms of Use ("Terms") govern your access to and use of the website operated by [Local Agency Name] ("we," "us," or "our"). By accessing the site or submitting a request, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the site.
This page is an advertisement and is not an insurance policy, binder, or offer of coverage.
[Local Agency Name] is a licensed insurance agency that helps homeowners review and compare coverage options. The site is intended to help you request a coverage review and connect with a licensed insurance representative or agency partner. Coverage availability varies by carrier and location, and not all applicants or properties will qualify for all options.
You must be at least 18 years old and a resident of the United States to use this site and request a coverage review. By using the site, you represent that you meet these requirements and that the information you provide is accurate and your own.
Content on this site is provided for general informational purposes only and does not constitute insurance, legal, or financial advice. Submitting a request does not bind coverage or guarantee that any quote, policy, rate, or carrier will be available to you. Any coverage is subject to the terms, conditions, underwriting, and approval of the applicable insurer.
When using the site, you agree not to:
When you submit a request or use a call button, you may be connected with a licensed insurance representative or agency partner who can discuss coverage options. By doing so, you consent to be contacted as described in our Privacy Policy, including by phone and text message. Consent is not a condition of purchasing any product or service.
The site and its content — including text, graphics, logos, and design — are owned by or licensed to [Local Agency Name] and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from the site without our prior written permission.
The site is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, secure, or free of harmful components, or that any information on it is accurate, complete, or current.
To the fullest extent permitted by law, [Local Agency Name] and its affiliates, partners, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or related to your use of the site, even if advised of the possibility of such damages. Our total liability for any claim relating to the site will not exceed one hundred U.S. dollars ($100).
You agree to indemnify and hold harmless [Local Agency Name] and its affiliates, partners, officers, and employees from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the site, your submissions, or your violation of these Terms.
The site may link to or connect you with third-party websites, carriers, or agency partners that we do not control. We are not responsible for their content, products, services, or privacy practices, and your dealings with them are solely between you and that third party.
These Terms are governed by the laws of the State of [STATE], without regard to its conflict-of-laws rules. You agree that any dispute relating to the site or these Terms will be brought exclusively in the state or federal courts located in [STATE/COUNTY], and you consent to their jurisdiction.
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the site after changes become effective constitutes acceptance of the updated Terms.
If you have questions about these Terms, contact us at:
[Local Agency Name]
[Mailing Address]
Phone: [PHONE_NUMBER]
Email: [EMAIL]