Terms of Service

Welcome to EverythingInsures. By using our website and services, you're entering into an agreement with us. These terms outline what you can expect from us and what we expect from you. We've written this in plain language to make sure everyone understands their rights and responsibilities. Please read through these terms carefully before using our services.

Effective Date: December 2025

Your Agreement with Us

When you visit our website, request an insurance quote, or use any of our services, you're agreeing to follow these terms. If you don't agree with any part of these terms, please don't use our services. We reserve the right to update these terms as our services evolve, and we'll notify you of any significant changes.

You must be at least eighteen years old to use our services, as insurance products require adult decision-making and legal capacity to enter into binding contracts. By using our services, you confirm that you meet this age requirement and have the authority to enter into this agreement.

What We Provide

EverythingInsures acts as a connection point between people seeking insurance coverage and insurance carriers offering policies. We help you compare options, understand coverage details, and find insurance that fits your needs and budget. Think of us as your guide through the insurance marketplace, making it easier to find the right protection.

We provide educational resources, quote comparison tools, and personalized assistance to help you make informed decisions about insurance coverage. While we work with trusted insurance carriers and provide accurate information to the best of our ability, we're not an insurance company ourselves. The actual insurance policies come from the carriers we work with.

Our role is to simplify the insurance shopping process. We gather your information, share it with relevant insurance carriers, and present you with options. However, the final decision about which policy to purchase rests with you, and the insurance contract exists between you and the carrier you choose.

What We Need from You

When requesting insurance quotes through our service, you agree to provide accurate and complete information. Insurance quotes depend on the details you share, so accuracy matters. Providing false or misleading information can result in incorrect quotes, denied claims, or canceled policies. We count on you to be honest and thorough when filling out quote requests and applications.

You're responsible for maintaining the security of any account you create with us. Choose a strong password, keep it confidential, and notify us immediately if you suspect unauthorized access to your account. Any activity that occurs through your account is your responsibility until you report a security breach to us.

You also agree to use our website and services for lawful purposes only. Don't attempt to interfere with our systems, access areas you're not authorized to view, or use our services in ways that could harm us, other users, or our insurance carrier partners.

Insurance Quotes and Accuracy

The insurance quotes we provide are estimates based on the information you supply and the current offerings from our carrier partners. Actual premiums may differ from initial quotes depending on underwriting review, additional information requests, or changes in your circumstances. A quote is not a guarantee of coverage or final pricing.

Insurance carriers make the final decisions about coverage approval and pricing. They may request additional information, medical exams, driving records, or other documentation before finalizing a policy. We do our best to provide accurate estimates, but the carriers have the final say in policy terms and pricing.

While we strive to present current and accurate information about insurance products, coverage details and availability can change. Always review your actual policy documents carefully before purchasing coverage, and contact the insurance carrier directly if you have questions about specific policy terms.

Website Content and Ownership

All content on our website, including text, images, logos, graphics, and software, belongs to EverythingInsures or our partners. You can view and use this content for personal, non-commercial purposes while using our services. However, you can't copy, modify, distribute, or reproduce our content without permission.

Our name, logo, and branding are protected trademarks. Using them without our written consent violates our rights. This protection helps us maintain our reputation and ensures customers can trust they're working with our legitimate service.

Our Limits and Your Understanding

We work hard to provide reliable service, but we can't guarantee our website will always be available or error-free. Technology has its limitations, and occasional interruptions or technical issues may occur. We're not responsible for damages resulting from service interruptions, technical problems, or your inability to access our website.

Since we connect you with insurance carriers but don't provide insurance directly, we're not liable for the actions or decisions of insurance companies. If you have a dispute with an insurance carrier about coverage, claims, or policy terms, you'll need to work directly with that carrier to resolve it.

We provide information and tools to help you make informed decisions, but we can't guarantee specific outcomes. Your experience with insurance coverage depends on many factors beyond our control, including the carrier you choose, the accuracy of your application, and how you use your coverage.

Working with Insurance Carriers

When you request a quote through our service, you authorize us to share your information with insurance carriers who may be able to provide coverage. These carriers are independent businesses with their own terms of service and privacy policies. Once you choose to work with a specific carrier, your relationship is directly with them.

We carefully select the insurance carriers we partner with, but we don't control their business practices or guarantee their services. If issues arise with an insurance carrier, we'll do our best to help, but ultimate responsibility rests with the carrier providing your coverage.

Ending Our Relationship

You can stop using our services at any time. If you have an account with us, you can request account closure by contacting our support team. We may also suspend or terminate your access to our services if you violate these terms or use our services in harmful or inappropriate ways.

Keep in mind that ending your relationship with us doesn't affect any insurance policies you've purchased through our service. Those policies are contracts between you and the insurance carrier, and they continue according to their own terms.

Resolving Disagreements

If you have a concern or dispute with our service, please contact us first so we can try to resolve it. Most issues can be sorted out through direct communication. We're committed to addressing problems fairly and finding solutions that work for everyone involved.

These terms are governed by the laws of the state of Arizona, where our business is headquartered. Any legal disputes that can't be resolved through discussion will be handled in the appropriate courts in Arizona.

Updates to These Terms

As our services grow and change, we may need to update these terms. When we make significant changes, we'll notify you through email or a notice on our website. The date at the top of this page shows when these terms were last updated.

Continuing to use our services after we post changes means you accept the updated terms. If you don't agree with the changes, you should stop using our services. We encourage you to review these terms periodically to stay informed about your rights and responsibilities.

Additional Important Information

If any part of these terms is found to be unenforceable, the rest of the terms remain in full effect. Our failure to enforce any part of these terms doesn't mean we're waiving our right to enforce them later.

These terms represent the complete agreement between you and EverythingInsures regarding your use of our services. They replace any previous agreements or understandings we may have had about our services.