Terms & Conditions

General Information Only

Information provided on this website is intended for general informational purposes and should not be considered a guarantee of insurance coverage, benefits, premiums, eligibility, or policy terms.

No Insurance Coverage Is Created

Use of this website, submission of a contact form, request for a quote, email, text message, telephone conversation, or other communication with Hometown Coverage does not, by itself, create or bind insurance coverage.

Insurance coverage becomes effective only when properly issued or bound by an authorized insurance carrier or representative in accordance with the applicable policy and carrier requirements.

Do not use this website, email, text message, or other electronic communication to request, bind, change, or cancel insurance coverage when immediate action is required.

Receipt of an electronic communication by Hometown Coverage does not constitute confirmation that insurance coverage has been bound, changed, added, or cancelled.

Quotes and Policy Information

Insurance quotes are estimates based upon the information available at the time they are prepared. Rates, eligibility, coverage, deductibles, exclusions, limits, and other policy terms are determined by the applicable insurance carrier and are subject to underwriting requirements and change.

The actual insurance policy and endorsements issued by the insurance carrier govern coverage.

If information on this website conflicts with the terms of an insurance policy, the terms of the insurance policy control.

Accuracy of Information

Hometown Coverage makes reasonable efforts to provide accurate and current information but does not guarantee that all website information is complete, current, or error-free.

Insurance products, carrier availability, rates, and coverage options may change without notice.

Third-Party Websites

This website may contain links to insurance carriers and other third-party websites for convenience. Hometown Coverage does not control and is not responsible for the content, availability, security, or privacy practices of third-party websites.

Intellectual Property

Unless otherwise indicated, the text, graphics, logos, design elements, and other original content appearing on this website are owned by or licensed to Hometown Coverage and may not be reproduced or distributed without permission.

Limitation of Liability

To the extent permitted by applicable law, Hometown Coverage is not responsible for losses or damages resulting from reliance upon general information presented on this website, interruption of website availability, third-party websites, or electronic communications that are delayed, lost, or not received.

Nothing in these Terms & Conditions is intended to waive or limit any rights or obligations that cannot legally be waived or limited.

Privacy

Use of this website is also subject to our Privacy Policy.

Changes to These Terms

Hometown Coverage may revise these Terms & Conditions periodically. Updated terms will be posted on this page with the applicable revision date.

Contact Us

Questions regarding these Terms & Conditions may be directed to Hometown Coverage using the contact information provided on this website.