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Terms of Service

Last updated: 5 August 2026

These Terms of Service ("Terms") govern your access to and use of homequotes.shop (the "Site") and the home insurance comparison service offered through it (the "Service"), operated by HomeQuotes ("we", "us" or "our"). By accessing the Site or submitting your ZIP code, you agree to these Terms. If you do not agree, do not use the Site.

We are not an insurer. HomeQuotes is a free comparison and advertising service. We do not sell insurance, underwrite policies, bind coverage, act as an agent or broker, or provide insurance, legal, tax or financial advice. All quotes, rates, coverage terms and eligibility decisions come from third-party insurance providers, not from us.

1. Eligibility

You must be at least 18 years old, a resident of the United States, and legally able to enter into a binding contract to use the Service. By using the Site you represent that you meet these requirements and that any information you provide is accurate, current and your own.

2. What The Service Does

The Service collects basic information — starting with your ZIP code — and connects you with third-party insurance providers, agencies and marketing partners who may be able to offer quotes in your area. Submitting information through the Site is a request for information. It is not an application for insurance and does not create, modify, bind or cancel any insurance policy.

3. Advertising Disclosure And Compensation

We are compensated by our advertising and marketing partners, including affiliate networks, when users are referred to them or complete certain actions. This compensation may influence which providers appear on the Site, how offers are presented and in what order. We do not present every insurer, product or offer available in the market, and the offers you see may not be the lowest-priced options available to you.

4. No Guarantee Of Rates, Savings Or Coverage

5. Your Consent To Be Contacted

By submitting your information you expressly consent to be contacted by us and our marketing partners about insurance and related products, including by autodialed and pre-recorded calls, SMS text messages and emails, at the contact details you provide — even if that number appears on a Do Not Call registry. Consent is not a condition of purchase. You may withdraw consent at any time as described in our Privacy Policy. Message and data rates may apply.

6. Acceptable Use

You agree not to:

We may suspend or terminate access to the Site at any time, without notice, for any reason including suspected breach of these Terms.

7. Third-Party Sites And Partners

The Site links to and redirects users to third-party websites operated by insurance providers, agencies and marketing partners. We do not control and are not responsible for their content, products, pricing, accuracy, availability, security or privacy practices. Any dealings you have with a third party — including any transaction, quote or policy — are solely between you and that third party.

8. Intellectual Property

The Site and its content, layout, graphics, logos and code are owned by us or our licensors and are protected by copyright, trademark and other laws. You may view and print pages for your personal, non-commercial use only. All other rights are reserved. Third-party names and marks that may appear are the property of their respective owners and their use does not imply endorsement or affiliation.

9. Disclaimer Of Warranties

THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY AND NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, secure or error-free, or that any information on it is complete, accurate or current.

10. Limitation Of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOMEQUOTES AND ITS OWNERS, OFFICERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL OR BUSINESS, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICE, WHETHER BASED IN CONTRACT, TORT, STATUTE OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SITE OR SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

11. Indemnification

You agree to indemnify, defend and hold harmless HomeQuotes and its owners, officers, employees and agents from any claims, damages, losses, liabilities, costs and expenses (including reasonable legal fees) arising out of your use of the Site, your violation of these Terms, or your violation of any law or third-party right.

12. Governing Law And Disputes

These Terms are governed by the laws of the State of [Your State], United States, without regard to its conflict-of-law rules. Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in [Your County, Your State], and you consent to that jurisdiction and venue. You and we each waive any right to a jury trial and to participate in a class or representative action.

13. Changes To These Terms

We may modify these Terms at any time. Changes take effect when posted to this page, and the "Last updated" date will change. Your continued use of the Site after a change constitutes acceptance of the revised Terms.

14. Severability And Entire Agreement

If any provision of these Terms is held unenforceable, that provision will be limited or removed to the minimum extent necessary and the remaining provisions will stay in full force. These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Site.

15. Contact

HomeQuotes
Email: support@homequotes.shop
Mailing address: [Your Business Name], [Street Address], [City, State ZIP], United States