Terms

Terms of use

Last reviewed: September 2026.

The nature of this site

Home Insurance Quote Line is an advertising service and a publisher. It is not an insurance company, an insurance agency, an insurance broker, or a licensed insurance producer in any state. Nothing on this site is an offer of insurance, a binder, a quote, or a promise that coverage is available to any particular household.

Not professional advice

The writing here is general explanation. It is not legal advice, not tax advice, and not advice about whether a particular policy suits your property. Insurance law, policy wording, notice periods and underwriting rules differ from state to state and change without notice. Before acting on anything you read here, confirm it against your own policy documents, a licensed producer, or your state insurance department.

Figures and sources

Statistics on this site come from named government and industry publications and are shown with the year of the data they describe. That year is frequently earlier than the year the document was published. No figure here is an estimate of what any reader will pay.

Where a source restricts republication, its findings are described rather than reproduced. Links to outside sources are provided for verification; this site does not control those sites and is not responsible for what they publish.

Calls

The telephone number published here connects to an independent third party. This site does not control that party, does not supervise the conversation, and is not a party to any agreement you reach with them. Any quote, coverage description, or policy is theirs and not this site’s.

Images

Photographs and illustrations on this site are generated or licensed images used to illustrate a subject. They do not depict a real customer, a real claim, a real property under a real policy, or a real contractor, and no caption asserts otherwise.

Limits

This site is published as it stands, without warranty of any kind as to accuracy, completeness or fitness for a particular purpose. To the fullest extent the law allows, the publisher is not liable for loss arising from reliance on anything published here.

Governing law

These terms are governed by the laws of the United States and of the state in which the publisher is established, without regard to conflict of law rules.