Terms and Conditions

1. Acceptance of these terms

These Terms and Conditions ("Terms") govern your access to and use of familycoverinsurance.com (the "Website") and any services, forms and content made available through it. By accessing the Website, submitting a form or requesting a quotation you confirm that you have read, understood and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Website.

We may update these Terms at any time. The version published on this page at the time you use the Website is the version that applies to that use.

2. Who we are and what we do

Family Cover Insurance is an independent insurance advisory and brokerage business. We compare insurance products from multiple carriers and advise clients on home, health, auto, life, pet, business and travel cover. We are not an insurer: we do not underwrite risk, we do not pay claims from our own funds, and we cannot vary the terms of any policy. Insurance is provided solely by the licensed carrier that issues your policy.

Information on the Website is general in nature. It is not legal, tax, medical or financial advice, and it does not take into account your personal circumstances until we have spoken with you and issued a written recommendation.

3. Use of the website

You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use of the Website by, anyone else. In particular you agree not to:

• submit false, misleading or fraudulent information through any form;
• use the Website to transmit spam, viruses, malware or any other harmful code;
• attempt to gain unauthorised access to any part of the Website, its servers or connected systems;
• scrape, data-mine, harvest or systematically copy content, prices or contact details;
• interfere with or disrupt the integrity or performance of the Website;
• impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• use the Website in connection with any illegal activity, including insurance fraud.

We may suspend or terminate your access without notice if we reasonably believe you have breached these Terms.

4. Quotes, estimates and pricing

All prices, premiums and figures shown on the Website — including indicative monthly costs on service pages and comparison tables — are illustrative estimates only. They are based on typical profiles and are not offers, quotations or guarantees of price.

Actual premiums depend on many factors including your age, location, ZIP code, property characteristics, rebuild cost, vehicle details, driving record, claims history, credit-based insurance score (where permitted), health information, occupation, business class codes, payroll, revenue, cover limits, deductibles and the carrier's current underwriting appetite. A binding quotation can only be given after we have collected and verified your information and received the carrier's response.

Quotations are generally valid for 30 days from issue unless stated otherwise. Premiums may change at renewal and carriers may re-rate, non-renew or withdraw products at any time.

5. No insurance contract is created here

Submitting a form on this Website, receiving an estimate, or exchanging emails with us does not create an insurance contract, bind cover, or provide any protection. Cover only begins when a carrier issues a policy or a binder, the required premium has been received, and the effective date stated in those documents has arrived. Until then you remain responsible for maintaining any existing cover. If you need immediate protection, call us on +1 612-338-7845 rather than relying on a web form.

6. Eligibility and accuracy of information

You must be at least 18 years old (or the age of majority in your state) and legally able to enter into contracts to request insurance through us. You confirm that all information you provide is true, complete and accurate, and that you will tell us promptly of any change. Insurance applications are made under penalty of perjury in many states: misrepresentation, omission or concealment of material facts can void cover, result in denial of a claim, cancellation of a policy and, in serious cases, criminal prosecution for insurance fraud.

7. Premiums, payments and cancellation

Premiums are payable to the carrier or to us as its agent, in the manner and by the due date stated on your invoice. Failure to pay can result in cancellation of cover, often with only statutory notice. Cancellation and refund terms are set by the policy and by state law, not by this Website. If you cancel mid-term you may be entitled to a pro-rata or short-rate refund of unearned premium, less any fees, earned commission or minimum premium specified by the carrier. To cancel a policy you must contact us directly — cancelling a payment method or unsubscribing from emails does not cancel cover.

8. Claims

All claims are handled under the terms of the policy issued by the carrier. You must report losses promptly, cooperate with the investigation, provide documents requested and mitigate further damage where it is safe to do so. Where we placed your policy we provide claims advocacy — helping you report, document, follow up and negotiate — at no additional charge. Advocacy does not mean we decide, guarantee or pay any claim, and it does not replace your obligations under the policy wording. Time limits for reporting and filing suit are set by the policy and by state law; missing them can bar recovery entirely.

9. Website forms and submissions

When you submit a contact, quote, callback, subscribe or unsubscribe form you grant us permission to contact you by phone, email or text about that enquiry, and to store and process the information you provide in accordance with our Privacy Policy. You consent to being contacted by the carriers we approach on your behalf in relation to your quotation request. We operate rate limiting and spam controls, and we may refuse or delete submissions we consider abusive, fraudulent or automated.

10. Newsletter and marketing communications

Subscribing to the Family Cover Insider newsletter is free and requires your consent. You may unsubscribe at any time using the link in any email or the Unsubscribe page, and we will action the request immediately. Unsubscribing stops marketing emails only; it does not affect service communications about a policy you hold, which we may still lawfully send. We do not sell your contact details to third parties.

11. Intellectual property

All content on the Website — including text, graphics, logos, icons, photographs, illustrations, layout, design and software — is the property of Family Cover Insurance or its licensors and is protected by United States and international copyright, trademark and other intellectual property laws. "Family Cover Insurance" and the shield device are our trademarks. You may view, download and print pages for your own personal, non-commercial use, provided you keep all copyright and proprietary notices intact. You may not reproduce, republish, distribute, modify, create derivative works from, or use any content commercially without our prior written consent.

12. Third-party links and content

The Website may link to carrier websites, comparison tools, government resources, mapping services and social media platforms. These links are provided for convenience only. We do not control and are not responsible for the content, privacy practices or accuracy of third-party sites, and a link does not imply endorsement. Any transaction you enter into with a third party is between you and that third party.

13. Disclaimers

The Website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement and accuracy. We do not warrant that the Website will be uninterrupted, error-free or free of viruses, that defects will be corrected, or that any content, tool or calculation will be accurate or reliable. Cover summaries on service pages are simplified descriptions; the policy wording, declarations and endorsements issued by the carrier always prevail in the event of any inconsistency.

14. Limitation of liability

To the maximum extent permitted by law, Family Cover Insurance, its owners, employees and agents shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, revenue, savings, data, goodwill or anticipated cover, arising out of or in connection with your use of the Website or reliance on its content. Our total aggregate liability arising out of or relating to the Website shall not exceed one hundred US dollars ($100) or the amount you paid us directly for services in the twelve months preceding the event giving rise to the claim, whichever is greater. Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be limited.

15. Indemnity

You agree to indemnify and hold harmless Family Cover Insurance and its officers, employees and agents from and against any claim, liability, loss, damage, cost or expense (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Website, your submission of false or misleading information, or your violation of any applicable law or the rights of a third party.

16. Availability and changes to the website

We aim to keep the Website available continuously but do not guarantee it. Access may be suspended or withdrawn for maintenance, updates, security incidents or reasons beyond our control, without notice. We may modify, restructure or discontinue any part of the Website, its content or its services at any time.

17. Governing law and disputes

These Terms are governed by the laws of the State of Minnesota, United States, without regard to its conflict of laws principles. Any dispute arising out of or in connection with the Website or these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Hennepin County, Minnesota, and you consent to that jurisdiction and venue. Before commencing proceedings, both parties agree to attempt in good faith to resolve the dispute by direct discussion within 30 days of written notice. If you have a complaint about our services, please contact us first — we will acknowledge it promptly and aim to resolve it within ten business days. You may also contact the Minnesota Department of Commerce or your state's department of insurance.

18. General provisions

• Entire agreement — these Terms, together with the Privacy Policy, form the entire agreement between you and us regarding use of the Website.
• Severability — if any provision is held unenforceable, the remainder continues in full force and the unenforceable provision shall be modified to the minimum extent necessary to make it enforceable.
• Waiver — our failure to enforce any right or provision is not a waiver of it; a waiver must be in writing.
• Assignment — you may not assign or transfer these Terms; we may assign them in connection with a merger, sale of assets or reorganisation.
• No agency or partnership — these Terms do not create a joint venture, partnership or employment relationship between us.
• Headings — headings are for convenience only and do not affect interpretation.

19. Contact details

Questions about these Terms and Conditions should be sent to:

• Family Cover Insurance
  2425 14th Ave S, Minneapolis, MN 55404, USA
• Phone: +1 612-338-7845
• Email: contact@familycoverinsurance.com
• Privacy requests: see our Privacy Policy, section 9