Table of Contents
- 1. Acceptance of Terms
- 2. Description of Services
- 3. Eligibility and Registration
- 4. User Responsibilities
- 5. Quotes and Estimates
- 6. Insurance Policies
- 7. Fees and Payments
- 8. Privacy and Data Protection
- 9. Prohibited Uses
- 10. Intellectual Property
- 11. Disclaimers
- 12. Limitation of Liability
- 13. Indemnification
- 14. Termination
- 15. Dispute Resolution
- 16. Governing Law
- 17. Changes to Terms
- 18. Contact Information
1. Acceptance of Terms
Welcome to GetHomeIns.com ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website, services, and any related applications or platforms (collectively, the "Services").
These Terms constitute a legally binding agreement between you and HomeProtect Insurance. Please read them carefully before using our Services.
2. Description of Services
2.1 Our Services Include:
- Quote Generation: Providing home insurance quotes from multiple carriers
- Comparison Tools: Helping you compare coverage options and prices
- Agent Matching: Connecting you with licensed insurance agents
- Educational Resources: Providing information about home insurance
- Customer Support: Assisting with questions and concerns
2.2 Service Limitations
Our Services are:
- Available only in states where we are licensed to operate
- Subject to underwriting guidelines of insurance carriers
- Dependent on information you provide
- Not guaranteed to result in coverage approval
3. Eligibility and Registration
3.1 Eligibility Requirements
To use our Services, you must:
- Be at least 18 years of age
- Have legal capacity to enter into contracts
- Reside in a state where we provide services
- Provide accurate and complete information
- Own or have insurable interest in the property
3.2 Account Information
You agree to:
- Provide accurate, current, and complete information
- Update information promptly when it changes
- Maintain the confidentiality of any account credentials
- Notify us immediately of unauthorized use
4. User Responsibilities
4.1 Information Accuracy
You are responsible for:
- Providing truthful and accurate information
- Updating information when circumstances change
- Reviewing quotes and policy details carefully
- Understanding coverage terms and limitations
4.2 Communication
By using our Services, you consent to:
- Receive communications via phone, email, text, or mail
- Contact from our agents and insurance partners
- Marketing communications (with opt-out options)
- Service-related notifications and updates
4.3 Compliance
You agree to:
- Comply with all applicable laws and regulations
- Use our Services only for lawful purposes
- Respect the rights of other users
- Follow our usage guidelines and policies
5. Quotes and Estimates
5.1 Quote Accuracy
Quotes are based on:
- Information you provide at the time of request
- General underwriting guidelines
- Available rating factors
- Current market conditions
5.2 Quote Limitations
Please understand that:
- Actual premiums may differ from quoted amounts
- Quotes are subject to underwriting approval
- Additional information may be required
- Quotes may expire after a specified period
- Coverage is not effective until a policy is issued and paid
5.3 No Guarantee of Coverage
Receiving a quote does not guarantee:
- Approval for coverage
- The quoted premium amount
- Availability of specific coverage options
- Acceptance by the insurance company
6. Insurance Policies
6.1 Policy Issuance
Insurance policies are:
- Issued directly by licensed insurance companies
- Subject to the terms and conditions of the insurer
- Governed by the policy contract, not these Terms
- Effective only upon payment and acceptance by the insurer
6.2 Our Role
HomeProtect Insurance acts as:
- An intermediary between you and insurance companies
- A facilitator of the quote and application process
- A source of information and guidance
We do not:
- Underwrite or issue insurance policies
- Make coverage decisions
- Handle claims directly
- Guarantee policy terms or conditions
6.3 Policy Questions and Claims
For policy-related matters, including claims, you should contact:
- Your insurance company directly
- Your assigned agent or broker
- The customer service department of your insurer
7. Fees and Payments
7.1 Our Services
Our quote and comparison services are provided at no cost to you. We may receive compensation from insurance companies when you purchase a policy through our platform.
7.2 Insurance Premiums
Insurance premiums and fees are:
- Set by the insurance company
- Paid directly to the insurer or their authorized agent
- Subject to the payment terms of your policy
- Not collected or processed by HomeProtect Insurance
7.3 Third-Party Fees
You may be responsible for:
- Inspection fees required by insurers
- Credit report fees (where applicable)
- Government fees and taxes
- Other charges imposed by third parties
8. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
8.1 Information Sharing
By using our Services, you consent to our sharing of your information with:
- Licensed insurance companies for quote generation
- Insurance agents and brokers
- Service providers who assist with our operations
- Third parties as described in our Privacy Policy
8.2 Data Security
We implement reasonable security measures to protect your information, but cannot guarantee absolute security of data transmitted over the internet.
9. Prohibited Uses
You may not use our Services to:
9.1 Illegal Activities
- Violate any applicable laws or regulations
- Engage in fraudulent activities
- Provide false or misleading information
- Impersonate another person or entity
9.2 System Abuse
- Attempt to gain unauthorized access to our systems
- Interfere with the proper functioning of our Services
- Use automated systems to access our Services
- Reverse engineer or attempt to extract source code
9.3 Misuse of Information
- Use our Services for competitive intelligence
- Collect information about other users
- Use information for unauthorized marketing
- Share login credentials with others
10. Intellectual Property
10.1 Our Property
All content, features, and functionality of our Services, including but not limited to:
- Text, graphics, logos, and images
- Software and source code
- Trademarks and service marks
- Design and layout
Are owned by HomeProtect Insurance or our licensors and are protected by copyright, trademark, and other intellectual property laws.
10.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our Services for personal, non-commercial purposes in accordance with these Terms.
10.3 Restrictions
You may not:
- Copy, modify, or distribute our content
- Use our trademarks without permission
- Create derivative works based on our Services
- Remove copyright or proprietary notices
11. Disclaimers
11.1 Service Availability
Our Services are provided "as is" and "as available." We do not warrant that:
- Services will be uninterrupted or error-free
- Defects will be corrected
- Services are free of viruses or harmful components
- Information is accurate, complete, or current
11.2 Insurance Disclaimers
We disclaim all warranties regarding:
- Accuracy of quotes or estimates
- Availability of coverage
- Terms and conditions of insurance policies
- Actions or decisions of insurance companies
11.3 Third-Party Content
We are not responsible for:
- Content provided by insurance companies
- Third-party websites or services
- Actions of insurance agents or brokers
- Accuracy of external information sources
11.4 No Professional Advice
Our Services do not constitute:
- Legal advice
- Financial planning advice
- Professional insurance counseling
- Recommendations for specific coverage amounts
12. Limitation of Liability
12.1 Exclusion of Damages
We shall not be liable for:
- Indirect, incidental, or consequential damages
- Loss of profits, revenue, or business opportunities
- Loss of data or information
- Punitive or exemplary damages
12.2 Maximum Liability
Our total liability for any claim shall not exceed the lesser of:
- $100 (one hundred dollars)
- The amount you paid us for services (if any)
12.3 Time Limitation
Any claim against us must be brought within one (1) year of the date the claim arose.
12.4 State Law Variations
Some states do not allow certain limitations of liability. In such states, our liability is limited to the maximum extent permitted by law.
13. Indemnification
You agree to indemnify, defend, and hold harmless HomeProtect Insurance, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or relating to:
- Your use of our Services
- Your violation of these Terms
- Your violation of any applicable laws
- Information you provide to us
- Your interactions with insurance companies or agents
14. Termination
14.1 Termination by You
You may stop using our Services at any time. To close your account (if applicable), contact us using the information provided below.
14.2 Termination by Us
We may terminate or suspend your access to our Services:
- Immediately, without notice, for violation of these Terms
- For suspected fraudulent or illegal activity
- If required by law or regulation
- At our discretion, with or without cause
14.3 Effect of Termination
Upon termination:
- Your right to use our Services ends immediately
- We may delete your account and information
- Existing insurance policies are not affected
- These Terms continue to apply to past use
15. Dispute Resolution
15.1 Informal Resolution
Before filing any formal dispute, please contact us to attempt to resolve the matter informally. We are committed to working with you to resolve any concerns.
15.2 Binding Arbitration
Any dispute arising from these Terms or our Services shall be resolved through binding arbitration rather than in court, except for:
- Small claims court matters
- Intellectual property disputes
- Injunctive relief requests
15.3 Arbitration Rules
Arbitration shall be conducted under the rules of the American Arbitration Association (AAA) and shall take place in [Your State/City].
15.4 Class Action Waiver
You agree that disputes will be resolved on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.
16. Governing Law
These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of [Your State], without regard to conflict of law principles.
Any legal action or proceeding shall be brought exclusively in the state or federal courts located in [Your State/County], and you consent to the jurisdiction of such courts.
17. Changes to Terms
17.1 Right to Modify
We reserve the right to modify these Terms at any time. When we make changes, we will:
- Post the updated Terms on our website
- Update the "Last Modified" date
- Notify you of material changes via email or website notice
17.2 Acceptance of Changes
Your continued use of our Services after changes are posted constitutes acceptance of the new Terms. If you do not agree to the changes, you must stop using our Services.
17.3 Material Changes
For material changes that significantly affect your rights, we will provide at least 30 days' notice before the changes take effect.
18. Contact Information
Questions About These Terms
If you have questions about these Terms and Conditions, please contact us:
GetHomeIns.com
Legal Department
1968 S. Coast Hwy #3553
Laguna Beach, CA 92651
USA
Phone: (855) 785-4362
Email: legal@gethomeins.com
Business Hours: Monday - Friday, 8:00 AM - 6:00 PM EST
Important Final Notice
These Terms and Conditions constitute the entire agreement between you and HomeProtect Insurance regarding the use of our Services. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.