Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") form a binding agreement between you and Stronger Coverage ("we," "us," or "our") governing your access to and use of this website and the personalized insurance review service offered through it (together, the "Services"). By accessing the website or submitting a review request, you accept these Terms and our Privacy Policy. If you do not agree, please do not use the Services.

2. Eligibility

You must be at least 18 years old and legally able to enter into a binding contract to use the Services. By using the Services, you represent that you meet these requirements and that the information you provide is accurate, current, and complete.

3. Nature of the Service

The Services provide informational content and connect you with a licensed insurance advisor who compares coverage options from multiple top-rated insurance companies. Nothing on this website constitutes an offer to sell insurance, a binder of coverage, or a guarantee that any specific policy will be issued. Insurance is only bound when it is issued by an insurance company and confirmed in writing.

Insurance solutions are available in eligible states, subject to licensing and carrier availability. Rates, coverage, terms, and availability are determined by the insurance companies and are subject to underwriting and change without notice.

4. No Professional Advice

Content on this website is provided for general informational purposes and is not intended as legal, financial, tax, or professional advice. You should not rely on the content of this website as a substitute for advice from a qualified professional familiar with your specific circumstances.

5. Review Request Submissions

When you submit a review request, you agree to provide accurate information and authorize a licensed insurance advisor to contact you by phone, email, or text to discuss your coverage. Requests may be declined at our discretion. See our Privacy Policy for details on how your information is handled.

6. Acceptable Use

You agree not to:

• Use the Services in violation of any law or regulation
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to the website or its underlying systems
• Interfere with, disrupt, or overload the website or its servers
• Use automated tools (bots, scrapers, crawlers) to access or copy any portion of the website
• Reverse engineer, decompile, or attempt to derive the source code of any part of the Services

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is owned by Stronger Coverage or its licensors and is protected by intellectual property laws. You may view and print pages for your personal, non-commercial use, but you may not reproduce, distribute, or create derivative works without our prior written consent. All trademarks referenced on this website belong to their respective owners.

8. Third-Party Links and Content

The website may include links to third-party websites, including insurance carrier websites. We do not control and are not responsible for the content, privacy practices, or availability of third-party sites. Links are provided for convenience only and do not imply endorsement.

9. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation. We do not warrant that any specific coverage, price, or carrier will be available to you.

10. Limitation of Liability

To the fullest extent permitted by law, Stronger Coverage and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or use, arising out of or related to your use of the Services, even if advised of the possibility of such damages. Our total liability for any claim relating to the Services will not exceed one hundred U.S. dollars ($100). Some jurisdictions do not allow these limitations, so they may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless Stronger Coverage and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any rights of another party.

12. Modifications to the Services

We may modify, suspend, or discontinue any part of the Services at any time without notice. We are not liable to you or any third party for any such change.

13. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page will reflect the effective date of any changes. Your continued use of the Services after the changes become effective constitutes your acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of the United States and the state in which our licensed insurance advisors operate, without regard to conflict-of-laws principles. You agree to the exclusive jurisdiction of the state and federal courts located in that state for any dispute arising out of or relating to these Terms or the Services, except where prohibited by applicable law.

15. Severability and Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stronger Coverage regarding the Services.

16. Contact

Questions about these Terms can be sent through our review request form — note "Legal" in the comments field.