Terms of Use

1. About This Site

Homeowners Protection Center is owned and operated by Insurance Lead Company LLC. This website serves as both an independent educational resource and a marketing and lead generation platform that may connect homeowners with independent, licensed insurance agents or agencies. This site is not affiliated with any insurance carrier or government agency.

Homeowners Protection Center and Insurance Lead Company LLC are not insurance companies and do not sell, issue, or underwrite any insurance products. Any insurance products, guidance, or advice are provided solely by independently licensed insurance agents or carriers.

2. Educational Use Only

The content on this website is provided for general educational purposes only and does not constitute financial, legal, or insurance advice. Nothing on this site should be construed as a guarantee, offer, or solicitation related to any insurance product.

We make no representations or warranties regarding the accuracy, completeness, or suitability of the information provided. Insurance products, pricing, eligibility, and availability vary by state and individual circumstance.

3. No Insurance Relationship

Using this site does not create an insurance relationship, agent-client relationship, or any contractual obligation between you and Homeowners Protection Center. Any connection made to a licensed insurance professional is a separate relationship between you and that professional.

4. Third-Party Professionals & Communications

If you request to be connected with a licensed insurance professional through this site, that professional is an independent third party. Homeowners Protection Center and Insurance Lead Company LLC are not responsible for the advice, representations, products, or actions of any third-party insurance agent or carrier. Each independent agent or agency is responsible for its own communications, services, and data practices.

If you choose to submit your information, you may be contacted by third-party insurance professionals by phone, SMS, or email, consistent with our Privacy Policy. You are encouraged to verify the licensing and credentials of any professional you speak with through your state's insurance regulatory authority.

5. Permitted Use

You may use this site for personal, non-commercial purposes only. You agree not to:

• Copy, reproduce, or redistribute content from this site without permission
• Use this site for any unlawful purpose
• Attempt to gain unauthorized access to any part of this site or its systems
• Submit false or misleading information through any form on this site

6. Intellectual Property

All content on this site, including text, design, and layout, is the property of Homeowners Protection Center or its licensors and is protected by applicable intellectual property laws. Unauthorized use is prohibited.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Homeowners Protection Center and Insurance Lead Company LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this site or its content.

This includes, without limitation, any reliance on information provided on this site, any decisions made based on that information, or any interactions with third-party insurance professionals you are connected with through this site.

8. User Responsibilities

By using this site, you agree not to hold Homeowners Protection Center or Insurance Lead Company LLC liable for any misuse of the site, reliance on its content, or outcomes resulting from connecting with a third-party insurance professional. You use this site and any information provided at your own discretion and risk.

9. Governing Law

These Terms of Use are governed by the laws of the United States and, where applicable, the laws of the state in which Insurance Lead Company LLC operates. Any disputes arising from the use of this site will be resolved in accordance with those laws.

10. External Links

This site may contain links to third-party websites for reference purposes. We are not responsible for the content, accuracy, or practices of those external sites and encourage you to review their terms and privacy policies independently.

11. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will take effect upon posting to this page with an updated effective date. Continued use of this site after any update means you accept the revised terms.

12. Contact

If you have questions about these Terms of Use, please reach out at: [email protected]