Effective Date: November 14, 2025
When you visit our website, request a quote, or purchase insurance from TerminusInsure, you're entering into an agreement with us. These terms govern your relationship with our company and your use of our services. They apply whether you're simply browsing our site or actively managing a policy with us.
We reserve the right to update these terms as our business grows and changes. When we make updates, we'll post the new version here and update the effective date above. Your continued use of our services after changes means you accept the updated terms. We encourage you to check this page occasionally to stay informed.
TerminusInsure provides home insurance services designed to protect your property and give you peace of mind. When you use our website, you agree to provide accurate and truthful information. This is crucial because insurance quotes and policies depend on the details you share with us. Providing false information could affect your coverage or claims.
You're responsible for keeping your account credentials secure. Don't share your password with anyone else, and notify us immediately if you suspect unauthorized access to your account. We're not responsible for losses resulting from someone else using your account with or without your knowledge.
The quotes we provide are estimates based on the information you give us. Your actual premium may vary once we verify details about your property and review your application fully. All insurance policies are subject to underwriting approval, and we reserve the right to decline coverage if your property doesn't meet our requirements.
Your policy documents contain the specific terms, conditions, exclusions, and limitations of your coverage. These documents form the complete agreement between you and TerminusInsure regarding your insurance. If there's any conflict between what's said elsewhere and what's in your policy, your policy documents take precedence.
When you purchase a policy from us, you agree to pay the premiums on time according to the payment schedule you selected. We offer various payment options to make this convenient for you. If a payment fails or is late, we'll notify you and give you a grace period to make it right. However, continued non-payment can result in policy cancellation.
All fees and premiums are outlined clearly before you commit to a policy. We don't like surprises any more than you do, so we're transparent about costs. Keep in mind that premiums may change at renewal based on factors like claims history, property changes, or market conditions.
If something happens to your home and you need to file a claim, notify us as soon as possible. Quick reporting helps us process your claim faster and more effectively. You'll need to provide documentation and cooperate with our investigation to receive benefits under your policy.
During the claims process, we may ask for photos, receipts, police reports, or other evidence depending on your situation. Being thorough and honest throughout this process ensures we can resolve your claim fairly and quickly. Remember that your policy documents specify what's covered and what's not, so claims are evaluated based on those terms.
You have the right to cancel your policy at any time. If you cancel, you may be eligible for a refund of unused premium, calculated according to our cancellation policy outlined in your policy documents. Some policies have minimum earned premiums or cancellation fees, which will be clearly stated.
We may also cancel your policy under certain circumstances, such as non-payment, fraud, or if your property no longer meets our underwriting guidelines. If we initiate cancellation, we'll provide you with notice as required by law and any applicable refund.
Everything you see on our website—including text, graphics, logos, images, and software—is owned by TerminusInsure or our partners and protected by intellectual property laws. You're welcome to view and use our website for its intended purpose, but you can't copy, reproduce, or distribute our content without permission.
Our name, logo, and other trademarks are valuable to us. Please don't use them in ways that could confuse people or suggest an affiliation with us that doesn't exist.
We work hard to keep our website running smoothly, but sometimes technical issues happen. We're not liable for problems accessing our website or temporary service interruptions. We also can't be held responsible for decisions you make based on information from our website if that information turns out to be incomplete or outdated.
Our liability to you is limited to the amount of premiums you've paid for your policy. We're not liable for indirect, incidental, or consequential damages arising from your use of our services or website. Some locations don't allow certain liability limitations, so parts of this section may not apply to you.
These terms are governed by the laws where our company is registered and where your property is located. Any disputes will be resolved through the appropriate legal channels in those jurisdictions. We always prefer to resolve issues amicably through communication, but this clause clarifies the framework if formal resolution becomes necessary.
By using TerminusInsure's services, you acknowledge that you've read, understood, and agree to be bound by these terms and conditions.
We're here to clarify anything that's unclear. Reach out anytime.
Email: [email protected]
Phone: +1 (213) 521-7818
Address: 785 Orchard Drive, Folsom CA 95360