1) Contract Summary (plain-English, non-binding aid)

Coverage and product availability vary by state and carrier, and no coverage is effective unless and until issued by a licensed carrier and you receive written confirmation from that carrier or the agent.

We use cookies and similar technologies. Where legally required, we honor opt-out preference signals such as Global Privacy Control and provide controls for targeted advertising or sharing.

We may use automated tools, including AI assistants or chatbots, for informational support. These tools are not licensed agents and their outputs may be inaccurate. They are not coverage or legal advice.

Disputes are resolved by binding arbitration on an individual basis with a small-claims court option.

By using the Site, you agree to these Terms and to our Privacy Notice, which is incorporated by reference. Submitting a quote request authorizes us and our partners to contact you by calls, texts, and emails. Message and data rates may apply. You can opt out of texts by replying STOP.

2) Acceptance of Terms

These Terms of Use are a binding agreement and any person or entity that accesses or uses homeinsurehelp.com and any related pages, tools, forms, chat features, emails, or texts we operate. If you do not agree, do not use the Site.

3) Who We Are and What We Do

The Site provides informational content and a platform for you to request that we connect you with specialists. We are not a government agency, FAIR Plan, insurer, managing general agent, or underwriting entity. We do not make coverage determinations or provide legal advice.

Content on the Site is for informational purposes only and is not an offer to sell insurance. Any premium indications are estimates provided by third parties and are subject to change. Coverage is not bound until confirmed in writing by an insurer or agent and may not be available in all states. The Site is directed to U.S. residents only.

4) Eligibility and Accounts

You must be at least 18 and capable of forming a binding contract to use the Site.

If you create an account, keep your credentials confidential and notify us promptly of any unauthorized use. You are responsible for activities that occur under your account prior to notifying us and our having a reasonable opportunity to act.

5) License and Personal Use

We grant you a limited, revocable, non-exclusive, non-transferable license to access the Site for your personal, non-commercial use consistent with these Terms. All rights not expressly granted are reserved.

6) Intellectual Property and Prohibited Uses

The Site and all text, graphics, logos, icons, images, videos, software, databases, and compilations are protected by copyright, trademark, and other laws. You may not copy, distribute, publicly display, or create derivative works of the Site or Content except as allowed by these Terms.

You may not frame, mirror, or scrape the Site. You may not use robots, spiders, crawlers, or similar tools to extract data except for standard search engine indexing. You may not reverse engineer any part of the Site, upload malware, or interfere with security or operations. You may not create any false or fraudulent account or inquiry, post unlawful or infringing content, disguise the origin of any inquiry, violate the rights of others, or take any action that imposes an unreasonable load on our systems.

7) User Submissions and Feedback

You may submit information to request referrals or quotes. You represent that your submission is accurate and that you have the right to provide it.

If you provide ideas or suggestions, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them without restriction.

8) Informational Nature and No Professional Advice

All Content, including outputs from any chatbot or AI tool, is general information. It is not legal, tax, financial, or coverage advice. Decisions about insurance should be made with a licensed agent and, where applicable, the carrier.

9) Third-Party Links and Services

The Site may reference third-party websites, tools, or services, including agents and insurers. We do not control or endorse third parties and are not responsible for their acts, omissions, or content. Your dealings with third parties are at your own risk and governed by their terms and policies.

10) Communications, Consent, and E-Sign

By submitting a form or otherwise providing your contact information, you consent to receive communications from us and our agents, including calls, text messages, emails, prerecorded or artificial-voice messages, and other methods, to the numbers and emails you provide, including via autodialer or automated technology, even if your number is on a state or federal Do-Not-Call list. Consent is not a condition of purchasing any product or service.

Text Messaging Program

Program name: HomeInsureHelp Alerts

Frequency: varies and may be recurring or event-based

Opt-out: reply STOP to cancel; reply HELP for help

Message and data rates may apply

Carriers are not liable for delayed or undelivered messages

Support: [info@homeinsurehelp.com] 

Electronic Records and Signatures

You agree to receive disclosures and communicate electronically. You can withdraw consent by contacting us. Withdrawing consent may impact our ability to provide the services.

11) Privacy, Cookies, and State Privacy Rights

Our Privacy Notice, incorporated by reference, explains what we collect, how we use and share it, and your choices. Some information we process may be nonpublic personal information under federal or state insurance privacy laws.

We use cookies, pixels, SDKs, and similar technologies for site operations, analytics, and marketing. Where required, we obtain consent and provide opt-out controls.

Where legally required, we honor opt-out preference signals such as Global Privacy Control for sale, sharing, or targeted advertising.

Depending on your state, you may have rights to access, delete, correct, or opt out of certain processing. We will verify and process requests as required by applicable law.

The Site is not for children under 13 and we do not knowingly collect personal information from them.

12) AI and Automated Tools

We may use automated tools, including generative AI and chatbots, to help provide informational responses and to route or prioritize submissions. These tools are not licensed agents, may generate errors, and do not make binding eligibility, underwriting, or pricing decisions. Do not rely on AI outputs as coverage advice. Verify with a licensed agent.

13) Availability and Changes to the Site

We may change, suspend, or discontinue any feature or content at any time without notice or liability and may impose limits on certain features.

14) Security and Data Location

We use reasonable administrative, technical, and physical safeguards. No security is perfect and you use the Site at your own risk. We may store and process data in the United States and other countries, subject to applicable law.

15) Identity Verification and Unauthorized Use

Internet identity verification is difficult and we are not responsible for confirming any user’s identity. Until you notify us of suspected unauthorized access and we have a reasonable opportunity to act, we are not liable for resulting activity on your account.

16) Disclaimers

The Site and all content are provided AS IS and AS AVAILABLE. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including non-infringement, merchantability, fitness for a particular purpose, accuracy, and quiet enjoyment. We do not warrant that the Site will be error-free, secure, or uninterrupted.

17) Limitation of Liability

To the maximum extent permitted by law, in no event will we or our affiliates, officers, directors, employees, or agents be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, loss of goodwill, or business interruption, arising out of or related to the Site or these Terms, even if advised of the possibility. Our aggregate liability for all claims will not exceed 100 dollars or the amount you paid us, if any, in the 12 months preceding the claim, whichever is greater. Some jurisdictions do not allow certain limitations. Those limitations apply to the fullest extent permitted.

18) Release

If you have a dispute with another user, agent, or third party, you release the Company and its affiliates, officers, directors, employees, and agents from claims and damages arising out of or related to such disputes. If you are a California resident, you waive California Civil Code section 1542 and similar laws, acknowledging that this release extends to claims you do not know or suspect to exist.

19) Indemnification

You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any claims, damages, costs, liabilities, and expenses, including reasonable attorneys’ fees, arising from your use of the Site, your submissions, or your violation of these Terms or applicable law.

20) DMCA and Intellectual Property Complaints

If you believe content infringes your copyright, send a notice to our DMCA Agent at [DMCA Agent Name or Title], [Postal Address], [Email], with the elements required by 17 U.S.C. 512(c)(3). We may remove content and terminate repeat infringers.

21) Promotions and Beta Features

Promotions or sweepstakes may have additional rules. Beta or experimental features are provided as is, may change or end at any time, and may log activity to improve quality and safety.

22) Governing Law, Arbitration, and Class-Action Waiver

These Terms are governed by the laws of the State of Tennessee without regard to conflict-of-law rules and by applicable federal law including the Federal Arbitration Act.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Site will be resolved by binding arbitration administered by [AAA or JAMS] under its Consumer Arbitration Rules. The arbitrator may award individual relief permitted by law. No class or representative actions are allowed. You and we waive the right to a jury trial.

Either party may bring an individual action in small claims court in Shelby County, Tennessee if it qualifies. For court proceedings to compel arbitration or to enforce an arbitration award, venue lies exclusively in state or federal courts in Shelby County, Tennessee, and the parties consent to personal jurisdiction there.

You may opt out of this arbitration agreement by sending a written notice to [info@homeinsurehelp.com] within 30 days of the date you first accept these Terms. Include your name and contact details.

23) No Agency

Use of the Site does not create any agency, partnership, joint venture, employer-employee, or franchisor-franchisee relationship between you and us. Agents and carriers are independent third parties.

24) Modifications to Terms

We may update these Terms at any time. Changes take effect upon posting with the Last Updated date. Your continued use of the Site after changes post constitutes acceptance.

25) Termination

We may suspend or terminate your access at any time, including for suspected violations of these Terms or law. Sections intended to survive termination, including intellectual property, disclaimers, limitations, indemnity, and arbitration, survive termination.

26) International Use and Export

The Site targets U.S. residents. You may not use the Site in violation of U.S. export controls or sanctions laws.

27) Records, Notices, and Contact

We do not separately file agreements with users. Please print or save a copy of these Terms for your records.

We may provide notices via the Site, email, SMS, or mail to the contact information you provide.

[info@homeinsurehelp.com]

28) Miscellaneous

If any provision is unenforceable, it will be enforced to the maximum extent permissible and the remainder will remain in effect. Failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign them. Headings are for convenience only.