01Acceptance of Terms
These Terms & Conditions ("Terms") form an agreement between you and Home Insurance Assist ("we," "us," or "our"). By accessing our website, calling our advisors or submitting a form, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use our services.
02Our Service
Home Insurance Assist is an independent insurance advisory service. We help you compare home, renters, flood, earthquake, umbrella and home warranty options from participating carriers and providers.
We are not an insurance company and do not issue policies, set rates or pay claims. Coverage is provided solely by the carrier that issues your policy, under that policy's terms, conditions and exclusions.
03Quotes & Savings
Quotes are estimates based on the information you provide and the carriers' underwriting guidelines at that time. Final premiums, eligibility and coverage are determined by the carrier and may differ from any estimate.
Savings figures on our website, including average savings of up to 40%, reflect the experience of past clients who switched and are not a guarantee of any specific result. If we cannot find you a lower rate, we will tell you.
04Eligibility
You must be at least 18 years old and a resident of the United States to use our services. Availability of specific products varies by state and carrier.
05Accurate Information
You agree to provide true, current and complete information. Inaccurate or incomplete information can affect your quote, lead to a policy being cancelled, or result in a denied claim. You are responsible for reviewing your policy documents before purchase.
06Communications Consent
By submitting your contact details, you agree that Home Insurance Assist and its licensed advisors may contact you by phone, text message and email at the number and address you provide, including through automated technology or prerecorded messages, about insurance products. Consent is not required to make a purchase.
You may withdraw consent at any time by replying STOP to a text, asking your advisor, or calling 386-245-7515. Message and data rates may apply.
07Fees & Compensation
Our service is free to you. We may receive commissions or other compensation from carriers when you purchase a policy through us. This compensation does not increase your premium.
08Acceptable Use
When using our website, you agree not to:
- Submit false information or information about another person without their permission.
- Use the site for any unlawful, fraudulent or harmful purpose.
- Attempt to access, scrape, disrupt or interfere with our systems or data.
- Copy, reproduce or redistribute site content without our written consent.
09Intellectual Property
All content on this website, including text, graphics, logos and design, is owned by or licensed to Home Insurance Assist and is protected by US copyright and trademark laws.
10Third-Party Links
Our website may link to carrier or third-party websites. We do not control and are not responsible for their content, policies or practices. Your use of those sites is at your own risk.
11Disclaimers
Our website and general information are provided "as is" and for informational purposes only. They do not constitute legal, financial or tax advice, and do not replace the specific terms of any insurance policy. We make no warranties, express or implied, beyond those required by law.
12Limitation of Liability
To the fullest extent permitted by law, Home Insurance Assist is not liable for any indirect, incidental, consequential or punitive damages arising from your use of our website or services, including decisions made by any carrier regarding coverage, pricing or claims.
13Governing Law
These Terms are governed by the laws of the state in which Home Insurance Assist is organized, without regard to conflict-of-law principles, and by applicable federal law. Any dispute will be resolved in the state or federal courts of that state.
14Changes to These Terms
We may update these Terms from time to time. The "Last updated" date above shows the latest revision. Continued use of our services after changes are posted means you accept the updated Terms.