Terms of Service
Last updated: April 27, 2026
Agreement to Terms
By accessing or using HomeCoveragePro ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site. These terms apply to all visitors, users, and others who access or use the Site.
Not an Insurance Provider
HomeCoveragePro is not an insurance company, insurance agent, or insurance broker. We are an online referral platform that connects consumers seeking home insurance quotes with licensed third-party insurance providers and agents. We do not provide insurance coverage, make coverage decisions, or guarantee any specific rate or outcome.
Any quotes, rates, or coverage information provided through our partner network are subject to the terms and conditions of those individual providers.
Eligibility
You must be 18 years of age or older to use this Site. By using the Site, you represent and warrant that you meet this requirement and that all information you provide is accurate and truthful.
SMS Consent
By providing your phone number and submitting a quote request, you consent to receive up to 9 SMS/text messages per week from HomeCoveragePro and our insurance carrier partners. Standard message and data rates may apply. Reply STOP at any time to opt out, or HELP for assistance.
TCPA Consent
By submitting the quote form, you provide your prior express written consent under the Telephone Consumer Protection Act (TCPA) for HomeCoveragePro and its marketing partners to contact you using automated or pre-recorded telephone calls, texts, or emails at the number and address provided, even if it is on a Do-Not-Call registry. This consent is not a condition of purchase.
Intellectual Property
All content on this Site ā including text, graphics, logos, and code ā is the property of HomeCoveragePro or its licensors and is protected by applicable intellectual property laws. You may view and copy content solely for the purpose of submitting a home insurance quote request.
Disclaimer of Warranties
The Site and its content are provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, express or implied. HomeCoveragePro does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
Limitation of Liability
To the fullest extent permitted by law, HomeCoveragePro and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or any insurance product obtained through our referral network.
Mandatory Arbitration & Class Action Waiver
Please read carefully: Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved exclusively through final and binding individual arbitration, and not through court proceedings or class actions. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.
Modifications
We reserve the right to modify these Terms at any time. Changes are effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.
Affiliate Disclosure
This website contains affiliate marketing links and referral arrangements, which means HomeCoveragePro may receive compensation when you submit a quote request or purchase an insurance policy through our partner network.
Contact
Questions about these Terms? Email us at info@home-coveragepro.com.