Terms of Service
Effective Date: January 2026
1. Acceptance of Terms
By accessing and using HomeInsuranceQuotes360.com, you accept and agree to be bound by these Terms of Service.
2. Description of Service
HomeInsuranceQuotes360 provides free educational calculators and informational content about home insurance. We do NOT:
- Sell insurance policies
- Provide actual insurance quotes
- Act as an insurance broker or agent
- Guarantee the accuracy of estimates
3. Use of Calculators
Our calculators provide estimates for educational purposes only. Results are based on industry averages and general assumptions. Actual insurance costs will vary. You should not rely solely on our estimates when making insurance decisions.
4. No Warranty
Our website and tools are provided "as is" without warranties of any kind. We do not guarantee:
- Accuracy of estimates
- Uninterrupted service
- Error-free operation
- Fitness for a particular purpose
5. Limitation of Liability
HomeInsuranceQuotes360 shall not be liable for any damages arising from use of our website or reliance on our estimates, including but not limited to direct, indirect, incidental, or consequential damages.
6. User Conduct
You agree not to:
- Use our website for illegal purposes
- Attempt to hack or disrupt our services
- Scrape or copy our content without permission
- Misrepresent our estimates as actual quotes
7. Intellectual Property
All content on this website, including text, graphics, logos, and software, is owned by HomeInsuranceQuotes360 and protected by copyright laws.
8. External Links
Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of external sites.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Continued use of the website after changes constitutes acceptance of new Terms.
10. Governing Law
These Terms are governed by the laws of the United States.
11. Contact
Questions about these Terms? Contact: legal@homeinsurancequotes360.com