Terms & Conditions

EFFECTIVE DATE: 5/10/2023

This page states the Terms and Conditions under which you, the website visitor (“You” or “Your”) may use Safecoinsurance.com (the “Site”), which is operated by HomeInsurance.com, LLC (“HomeInsurance.com” or “We”), a licensed insurance agency (NPN: 8781838) and third-party partner of Safeco.

Please review the Privacy Policy. If You do not want to agree to the Privacy Policy, You must not access or use the Site.

Please read this page carefully. By using this Site, You agree to be bound by all of the Terms and Conditions set forth below. If You do not accept these Terms and Conditions, please do not use this Site. These Terms and Conditions supersede any other agreement You may have with HomeInsurance.com regarding this subject matter. We may, in our sole discretion, revise these Terms and Conditions at any time; therefore, You should visit this page periodically to review the Terms and Conditions.

This Site is offered and available to users who are 18 years of age or older and reside in the United States or any of its territories. By using this Website and/or contacting Homeinsurance.com via the Site, You represent and warrant that You are of legal age to form a binding contract with Homeinsurance.com and meet all of the eligibility requirements outlined herein. If You do not meet all of these requirements, You must not access or use the Site.

Use of Site Material

The contents of this Site, such as text, graphics, images and other content (the “Site Material”) are protected by copyright under both United States and foreign laws. These Terms and Conditions do not grant You any license whatsoever to the Site Material. We authorize You to view and download a single copy of the Site Material for Your non-commercial personal use. Unauthorized use of the Site Material violates copyright, trademark, and other laws. You agree to retain all copyright and other proprietary notices contained in the original Site Material on any copy of such material. Except as expressly provided herein, You may not sell or modify our Site Material or reproduce, display, distribute, or otherwise use the Site Material in any way for any public or commercial purpose. Use of the Site Material on any other web site or in a networked environment is prohibited. We retain all intellectual property rights in the Site Material.

Trademarks

We own or license the names, marks and logos appearing on the Site, unless otherwise noted. Your use of these marks, except as provided in these Terms and Conditions, is prohibited. From time to time, we make fair use in this Site of trademarks owned and used by third parties. We make no claim to ownership of those marks. Safeco Insurance is a registered trademark of Liberty Mutual Insurance.

Products and Services

The information on the Site is provided to You so that You can learn what products and services are generally available and request a quote for insurance. Improvements and/or changes in the products, services and/or programs described on the Site or in any app may be made at any time without notice. Insurance coverage statements on the Site are for general description purposes only and may not include all coverages available. The Site does not amend, modify or supplement any insurance policy. Consult Your actual policy or Your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to You. Your eligibility for particular products and/or services are subject to the final determination of underwriting qualifications and acceptance by the underwriting company providing such products and/or services. The Site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Insurance coverage provides financial protection. It does not provide protection from accidents, liability or physical protection for Your belongings. Insurance can cover the financial impact, not the event itself.

Unless otherwise specified, products and services are available in the United States only. Information on the Site or in any app may include references to products or services not offered in Your state or country or not available for purchase over the Internet in Your state or country. Variations in state law regarding the interpretation of insurance policies may exist, and any statements on this Site or in any app of coverage scope or intent are general in nature and are subject to such variations. Availability of coverage may be dependent upon state regulations.

Electronic Transactions

You may request a quote for insurance on Safecoinsurance.com electronically. By providing Your contact information and pressing Submit, You consent to receive a phone call at the phone number You provided, about insurance products from Safeco or a third-party partner, even if You’ve registered that number on a Do-Not-Call registry. You understand these calls may be generated using automated technology. You understand that data rates may apply, and that You do not have to agree to receive these types of calls as a condition of purchasing any goods or services and that You may revoke Your consent at any time.

Limitation of Liability

We do not warrant that the Site will operate error-free or that the Site and its server are free of computer viruses or other harmful material. If Your use of the Site or the Site Material results in any costs or expenses, including without limitation the need for servicing or replacing equipment or data, We shall not be responsible for those costs or expenses.

This Site and the Site Materials are provided on an “as is” and “at Your own risk” basis without any warranties of any kind. To the fullest extent permitted by law, We disclaim all warranties of any kind, including without limitation the warranty of merchantability, non-infringement of third parties rights, and fitness for particular purpose. Although We strive to provide thorough and accurate materials on the Site, We make no warranties about the accuracy, reliability, completeness, or timeliness of the Site materials, services, software, text, graphics, and links. The content may not necessarily be complete or up-to-date.

Disclaimer of Consequential Damages

In no event shall We, our respective affiliates, or any third parties mentioned on the Site be liable for any damages whatsoever (including, without limitation, incidental, indirect, consequential or punitive damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use Site Materials on or available through this Site or Sites linked to this Site, whether based on warranty, contract, tort, or any other legal theory, and whether or not We are advised of the possibility of such damages.

Links

This Site may contain links to web sites owned by third parties. These links are provided solely as a convenience to You and are not an endorsement of the contents on those other sites. We are not responsible for the content of any linked sites and make no representations regarding the content or accuracy of materials on such sites. If You decide to visit any third-party sites using links from this Site, You do so at Your own risk. Consult the Uniform Resources Locator (“URL”) address identified in Your browser to determine whether You have linked to a third-party Site.

Indemnity

By using this Site, You agree to defend, indemnify, and hold harmless us from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that We may become obligated to pay arising or resulting from Your use of the Site Material or Your breach of these Terms and Conditions. We reserve the right to assume or participate, at Your expense, in the investigation, settlement and defense of any such action or claim.

Insurance Related Notices

These insurance-related notices provide additional information relevant to the products provided via the Site. In the event and to the extent these notices conflict with any federal or state laws or regulations, the latter governs.

You represent and warrant that:

  1. You have the legal capacity to enter into a valid, binding and enforceable contract like an insurance policy;
  2. Your purchase of an insurance policy using the Site is voluntary;
  3. You have had the opportunity to review, consider and consult with others; and
  4. You have an insurable interest in the property insured under an insurance policy You purchase via the Site, in that you have a financial or legally sufficient emotional interest that will be adversely affected by the happening of a fortuitous event with respect to which policy is afforded under the terms and conditions of that insurance policy.

Miscellaneous

These Terms and Conditions are governed by the substantive laws of the State of North Carolina, without respect to its conflict of laws principles. You agree to submit to the jurisdiction of the courts situated in Mecklenburg County, North Carolina, with respect to any dispute, disagreement, or cause of action related to or involving this Site. If any provision is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided elsewhere in our Site, these Terms and Conditions constitute our entire agreement with You with respect to Your use of this Site and the other items discussed above.

To contact our webmaster, send an email to info@homeinsurance.com.