These Terms of Use constitute a legally binding agreement between you and Home Insurance Compare, powered by JC Prime Insurance ("Company," "we," "us," or "our") governing your access to and use of the Site and services provided through our platform. These Terms are effective as of the date you first access the Site or submit a quote request.
We reserve the right to update these Terms at any time. Continued use of the Site after any modification constitutes acceptance of the revised Terms. We will notify you of material changes by updating the effective date and, where appropriate, providing additional notice.
Home Insurance Compare is a licensed insurance agency powered by JC Prime Insurance. Our services include:
By submitting your information, you are requesting that Home Insurance Compare and its licensed agents contact you regarding home insurance options. We do not guarantee that any specific coverage, rate, or policy will be available to you.
All insurance products are subject to the terms, conditions, exclusions, and limitations of the applicable policy as issued by the insurance carrier. Coverage is not bound or effective until confirmed in writing by the carrier.
By using this Site, you represent and warrant that:
We reserve the right to refuse service to anyone for any lawful reason, including suspected fraudulent activity or misrepresentation.
4.1 Permitted Use
You may use this Site solely for lawful, personal, non-commercial purposes related to obtaining home insurance information and quotes for yourself or your immediate household.
4.2 Prohibited Conduct
You agree not to:
5.1 No Guarantee of Rates or Coverage
Any quotes, rates, or estimates provided through our Site are preliminary indications based on the information you provide. They are not binding offers or guarantees of coverage, final premiums, or policy terms. Final rates and coverage availability are subject to full underwriting review by the insurance carrier, which may include a credit check (where permitted by law) and other verification.
5.2 Accuracy of Your Information
You are responsible for ensuring that all information you provide is accurate and complete. Providing inaccurate information — including misrepresentations about your property, claims history, or household — may result in policy cancellation, denial of claims, or legal consequences. Home Insurance Compare is not liable for any adverse outcomes resulting from inaccurate information you provide.
5.3 No Professional Advice
The content on this Site is provided for general informational purposes only and does not constitute professional insurance, legal, financial, or tax advice. Always consult with a licensed insurance professional before making coverage decisions.
By submitting your information through this Site, you expressly consent to be contacted by Home Insurance Compare and its licensed agents regarding home insurance. This consent includes:
You understand that: (a) your consent is not a condition of purchase; (b) standard message and data rates may apply to text messages; (c) you may revoke your consent at any time by contacting us at (844) 939-0552 or by replying STOP to any text message.
TCPA Notice
By providing your phone number and submitting a form on this Site, you agree to receive autodialed and/or prerecorded calls and text messages from Home Insurance Compare at the number provided, even if your number is on a national or state do-not-call registry. This consent is not required to purchase goods or services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out.
All content on this Site — including text, graphics, logos, images, icons, software, data, and the overall "look and feel" — is the property of Home Insurance Compare / JC Prime Insurance or its licensors and is protected by U.S. and international intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site solely for the purposes described in these Terms. You may not copy, reproduce, distribute, create derivative works, or use our trademarks without prior written consent.
Our Site may contain links to third-party websites. These links are provided for convenience only. Home Insurance Compare does not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party sites. Your interactions with third-party sites are governed by their respective terms and privacy policies.
THE SITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HOME INSURANCE COMPARE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HOME INSURANCE COMPARE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL.
IN NO EVENT SHALL OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00), REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM.
You agree to indemnify, defend, and hold harmless Home Insurance Compare, JC Prime Insurance, and their officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or our services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any inaccurate or false information you provide.
12.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles.
12.2 Dispute Resolution
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall first be addressed by contacting us at (844) 939-0552. We will attempt to resolve disputes informally within 30 days.
12.3 Arbitration
If informal resolution fails, any dispute shall be resolved exclusively through binding individual arbitration under the rules of the American Arbitration Association (AAA). You waive your right to participate in a class action lawsuit or class-wide arbitration. The arbitrator's decision shall be final and binding.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Material changes will be communicated via notice on our homepage at least 15 days before taking effect. Continued use of the Site after the effective date of any changes constitutes acceptance of the revised Terms.
If you have questions or concerns about these Terms of Use, please contact us:
