Acceptance of Terms
By accessing or using our website and services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our services.
We may update these terms periodically. Continued use after changes constitutes acceptance of the modified terms. We encourage you to review this page regularly.
Eligibility Requirements
To use our services, you must:
- Be at least 18 years of age
- Be a legal U.S. resident
- Own or have insurable interest in the property
- Provide accurate and complete information
- Have legal capacity to enter into contracts
Quote and Application Accuracy
You agree to provide truthful and accurate information:
- All property details must be current and correct
- Previous claims history must be disclosed honestly
- Changes to property or circumstances must be reported promptly
- Inaccurate information may result in policy modification or cancellation
- Intentional misrepresentation may void coverage
Policy Binding and Effective Dates
Coverage terms and conditions:
- Quotes are estimates and subject to verification
- Coverage becomes effective on the date specified in your policy
- Binding coverage requires premium payment
- Policy documents will be provided in writing
- Review all documents carefully upon receipt
Premium Payments
Payment terms and obligations:
- Premiums are due on dates specified in your policy
- We accept various payment methods as indicated during enrollment
- Late payments may result in coverage lapse
- Grace periods may apply as specified in your policy
- Automatic payment options are available
Claims Process
Your responsibilities when filing a claim:
- Report claims promptly after discovering damage
- Provide accurate and complete claim information
- Cooperate with claims investigation
- Document damage with photographs when safe to do so
- Protect property from further damage when possible
- Submit required documentation within specified timeframes
Cancellation Policy
Terms for policy cancellation:
- You may cancel your policy at any time with written notice
- Refunds will be calculated on a pro-rata basis
- We may cancel with appropriate notice as permitted by law
- Non-payment may result in cancellation after grace period
- Reinstatement may be available under certain conditions
Policyholder Responsibilities
Your ongoing obligations:
- Maintain your property in reasonable condition
- Implement appropriate safety and security measures
- Report changes to property, occupancy, or usage
- Comply with local building codes and regulations
- Cooperate with property inspections when required
Limitation of Liability
Important limitations:
- Policy documents govern all coverage determinations
- We are not liable for delays beyond our control
- Dispute resolution provisions apply
