Terms of Use

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, please do not use the site.

2. Educational Purpose

All content on this site is for informational and educational purposes only. It is not insurance, legal, or financial advice. We do not sell insurance, act as an agent or broker, or represent any insurer. Estimates and descriptions are illustrative and are not binding offers or quotes.

3. Accuracy of Information

We rely on publicly available sources and published data to produce our content. We do not guarantee the completeness, accuracy, or timeliness of any information on this site. You should verify any figures or requirements with licensed insurers, state agencies, or other authoritative sources before making decisions.

4. No Professional Relationship

Use of this site does not create an advisor-client, agent-insured, or any other professional relationship between you and us. We provide general information only.

5. Third-Party Links

We may link to external websites and resources for your convenience. We are not responsible for the content, privacy practices, or availability of those sites. Links do not imply endorsement.

6. Advertising

We may display advertisements on this site (e.g., through programs such as Google AdSense). We are not responsible for the content, claims, or conduct of advertisers. Your dealings with advertisers are solely between you and them.

7. Intellectual Property

All content on this site, including text, structure, and design, is owned by Insurance Cost Guide. You may not reproduce, distribute, or create derivative works without our prior written permission, except for personal, non-commercial use such as viewing or printing a single copy.

8. Limitation of Liability

To the fullest extent permitted by applicable law, we are not liable for any direct, indirect, incidental, or consequential losses arising from your use of or reliance on this site or its content. You use the site at your own risk.

9. Changes to Terms

We may update these Terms of Use from time to time. Continued use of the site after changes constitutes acceptance of the revised terms.

10. Contact

For questions about these terms, please use the contact information on our About page.