Terms & Conditions

1. Acceptance of Terms

By accessing and using the TotalHouseInsure website, mobile application, and services (collectively, the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") constitute a legally binding agreement between you and TotalHouseInsure Insurance Company ("TotalHouseInsure," "we," "us," or "our") regarding your use of our services.

2. Services Description

TotalHouseInsure provides home insurance comparison, quote generation, and policy management services. Our services include but are not limited to:

• Online insurance quotes and comparisons
• Policy management and administration
• Claims processing and support
• Customer service and support
• Educational resources and tools

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Comply with all applicable laws and regulations
• Not be prohibited from receiving services under applicable law

4. Account Registration and Security

4.1 Account Creation

You may be required to create an account to access certain features of our Service. When creating your account, you must provide accurate, current, and complete information.

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your contact information remains current

5. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

Key privacy practices include:

• Secure encryption of personal and financial data
• Limited sharing with authorized insurance partners only
• No sale of personal information to third parties
• User control over communication preferences

6. Payment Terms

6.1 Premium Payments

Insurance premiums are determined by the underwriting insurance company based on your provided information and selected coverage options.

6.2 Payment Methods

We accept various payment methods including credit cards, debit cards, and electronic bank transfers. All payments are processed securely through encrypted payment systems.

6.3 Automatic Payments

By enrolling in automatic payments, you authorize us to charge your selected payment method for recurring premium payments according to your policy schedule.

7. Cancellation and Refund Policy

7.1 Policy Cancellation

You may cancel your insurance policy at any time by contacting our customer service team. Cancellation terms and any applicable refunds are governed by your specific policy terms and state regulations.

7.2 Refund Processing

Refunds, when applicable, will be processed within 5-10 business days and returned to your original payment method.

8. Limitation of Liability

To the maximum extent permitted by law, TotalHouseInsure shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

9. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of TotalHouseInsure and its licensors. The Service is protected by copyright, trademark, and other laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or service marks without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works based on our Service

10. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately. If you wish to terminate your account, you may contact our customer service team.

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms shall be interpreted and governed by the laws of the State of California, without regard to its conflict of law provisions.

11.2 Dispute Resolution

Any disputes arising from these Terms or your use of our Service will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.