Terms of use.

Acceptance of terms

By using this website, you agree to these terms of use. If you don’t agree with them, please don’t use the site. We may update these terms as described in “Changes to these terms” below, and your continued use of the site after an update means you accept the revised terms.

Website purpose

This website exists to help you learn about common insurance coverage types relevant to Florida, start a quote request, use an educational coverage calculator, and get in touch with Florida State Insurance Group, Inc.. It is a marketing and informational resource, not an underwriting, binding, or claims-handling system.

Educational information only

Descriptions of coverage types, glossary terms, FAQs, blog articles, and similar content on this site are general educational information written to help you prepare for a conversation with a licensed agent. They are not a substitute for reviewing an actual policy, and they don’t reflect any single carrier’s exact contract language, which varies.

No binding of coverage through this website

Submitting a form on this site — including the contact form, the quote tool, or the coverage calculator — does not:

• ✓Create or bind an insurance policy
• ✓Modify or renew any existing policy
• ✓Guarantee that you’ll be offered a quote
• ✓Guarantee eligibility, acceptance, or a specific premium

Actual coverage is governed exclusively by the policy an insurer issues to you — including its declarations page, endorsements, exclusions, and conditions. If anything on this website ever appears to conflict with your issued policy, the policy controls.

No guarantee of a quote or eligibility

Starting a quote request through this site does not guarantee that a quote will be offered, that you’ll be eligible for coverage, or what any premium would be. Quotes, eligibility, and pricing are determined by the applicable insurance carrier through its own underwriting process.

Product availability and policy terms control

Not every coverage type described on this site is necessarily available in every situation, and product availability can change. Where this site’s general descriptions differ from the specific terms of a policy an insurer actually issues, the issued policy always controls.

Licensed-agent discussions

This site is designed to prepare you for — not replace — a conversation with a licensed insurance professional. Specific coverage recommendations, eligibility determinations, and binding of coverage happen through a licensed agent or carrier, not through this website.

Quote requests and accuracy of your information

When you start a quote or send a message through this site, you’re asking us for assistance or information — you are not submitting an insurance application. Please provide accurate information; inaccurate information may delay our ability to help you or could affect any coverage ultimately offered by a carrier. This website does not ask for Social Security numbers, payment information, or other sensitive underwriting data, and you should not send that information through the general contact form.

If a licensed insurer’s application process is integrated into this site in the future, that step will identify the insurer and the licensed agent involved before any application information is collected, consistent with applicable Florida insurance law.

Electronic communications

When you submit a form on this site or otherwise contact us electronically, you consent to receiving communications from us electronically — by email, phone, or text, depending on the contact details you provide. These communications may include a response to your inquiry, follow-up about a quote request, or other messages related to what you asked for. You can always let us know if you’d prefer to be contacted a different way.

Coverage calculator disclaimer

The coverage calculator on this site is an educational questionnaire, not an insurance quote or underwriting tool. It generates discussion topics based only on the answers you enter — it does not calculate a premium, determine a coverage amount, verify eligibility, or provide legal or financial advice. Your actual coverage needs depend on your full circumstances and the specific products available to you, which is exactly why the tool is designed to prepare you for a conversation with a licensed agent rather than replace one.

Third-party links and services

This site may link to outside destinations — such as an insurance carrier, a quote provider, a secure third-party service, a review platform, or a social media profile — once those are configured. We don’t control those external sites, and linking to them isn’t an endorsement of everything on them. Your use of any linked site is governed by that site’s own terms and privacy practices.

Intellectual property

The text, graphics, and design of this website belong to Florida State Insurance Group, Inc. or its licensors, except where otherwise noted. You may view and share pages of this site for personal, non-commercial purposes, but you may not republish, sell, or otherwise reuse this site’s content without our permission.

Prohibited use

You agree not to misuse this website — for example, by attempting to disrupt its normal operation, submitting a form for a purpose other than a genuine inquiry, attempting to bypass its security or rate-limiting measures, or using automated tools to scrape or flood the site.

Availability and changes to the website

We may change, suspend, or discontinue any part of this website at any time, including its content, tools, or features, without notice. We don’t guarantee that the site — including the quote tool or calculator — will be available at all times or free of interruption.

Disclaimer of warranties

This website and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We don’t warrant that the site will be error-free, uninterrupted, or that its content is complete or current.

Limitation of liability

To the fullest extent permitted by law, Florida State Insurance Group, Inc. will not be liable for indirect, incidental, or consequential damages arising from your use of, or inability to use, this website. This section is drafted cautiously as a general placeholder and should be reviewed and finalized by the agency’s legal counsel before this page is treated as final — the appropriate scope of a limitation-of-liability clause depends on legal advice we haven’t yet obtained on the agency’s behalf.

Governing law

This section is still under review by the agency’s legal counsel and will be finalized before it is treated as final. Given that Florida State Insurance Group, Inc. operates in Florida, Florida law will likely inform this section, but the final clause — including any arbitration or venue terms — should be set by counsel rather than assumed here.

Changes to these terms

We may revise these terms as the website’s functionality changes. We’ll display the effective date of the current version here once the agency finalizes its review process for these pages. Continuing to use the site after a revision means you accept the updated terms.

Contact

Questions about these terms can be directed to us using the details below.