Terms of Service

By using this website you agree to these terms. If you do not agree, please do not use the site.

We are an insurance agency offering property & casualty insurance products through the carriers we represent. Information on this website is for general purposes only and does not constitute an offer of coverage, a binder, or a contract of insurance. Coverage cannot be bound, changed, or cancelled through this website — no coverage is in effect until confirmed in writing by our office or the carrier.

Content on this site (including articles, tools, and FAQs) is informational only. It is not legal, tax, or financial advice, and descriptions of coverage are general summaries. All coverage is subject to the actual policy's terms, conditions, and exclusions. Consult a qualified professional for advice on your specific situation.

Estimates produced by online tools or preliminary quotes are non-binding and based on the information you provide. Actual premiums, eligibility, and coverage are determined by carrier underwriting, rate filings, and state regulations, and may differ from any estimate.

All content on this site is owned by Demo Agency or used under license. Carrier names and logos belong to their respective owners. You may not reproduce, distribute, or create derivative works without our written permission.

To the maximum extent permitted by law, Demo Agency is not liable for indirect, incidental, or consequential damages arising from your use of this website. Our total liability for any direct claim arising from website use is limited to $100. Nothing in this section limits obligations under an insurance policy issued by a carrier.

Claims are filed with and decided by your insurance carrier under the terms of your policy. Reporting a claim to our office or through this website does not by itself constitute notice to the carrier — we will help you get your claim filed properly and promptly.

These terms are governed by the laws of the state in which our principal office is located, without regard to conflict-of-law principles.